Over draft

Just curious as to what makes you eligible for overdraft, as I pay all bills, good credit, however no overdraft still ?

Monzo are overly overly cautious with any lending and no one knows how Monzo makes decisions about it. All banks keep their full lending criteria secret.

Easiest way to get some feedback, although not sure how helpful it will be, is to contact Monzo themselves within the app and ask.

It isn’t always helpful as sometimes Monzo can be contradictory with what they say, for example Monzo can say it doesn’t know your income to make a decision even when you pay your wages into your Monzo account :man_shrugging: .

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