Can we change the time Monzo adds 50p extra to your charges.
Currently it is midnight, majority of people get paid between midnight and 1am meaning 50p extra gets added for the sake of a few minutes.
I know it’s 50p but 50p better in my bank 
It’s 1am in the summer before the clocks go back
Wait, I thought when you enter your overdraft you have until the end of the day to get your account back into credit before you’re charged 50p.
Using that logic, when you’re paid at 1am you don’t pay an overdraft charge for that day.
It seems to me that you’re seeing 50p added in the hour or so before you’re paid, as a charge for being in your overdraft in the preceding day.
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Exactly
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