yes, we can say upfront we will not have punishing charges.Monzo model is all about giving the control to the customer by creating features like pulse graph, budget tools, real-time notification etc. We are currently looking to meet our customers ( look out for a possible invite ) and evolve a model where the customer pays for the services S/he gets while remaining in complete control of the what they use and pay. The worst thing is to find the charges creeping up in a surprising ( rather a nightmarish ) way.