Move money out of pots automatically!

[duncang (Duncan)]

@theshillito

What a massive oversight. There’s a reason salaries go in at 1am and direct debits go out at 2; it’s so that payments going out on the same day you get paid don’t fail.

Here’s a guess. As per @glasgow’s comment above:

@glasgow

There’s normally a set time for these things:

1am for Bacs direct credits
2am for Bacs direct debits
3am for standing orders and transfers.

Standing orders and transfers (in Monzo nomenclature “scheduled payments”) - in a similar fashion to how you describe direct debits - need to go out after salaries go in (i.e. Bacs direct credits) so that there is money there to fund them. The developer who implemented taking money out of pots likely used all the same infrastructure - dispatching a job to the queue that runs at 3am. However, the developer likely forgot that a scheduled payment out of a pot operates more like a Bacs direct credit than it does a standing order - the user is being paid; it’s just that they are paying themselves.