One of the reasons I was so attracted to Monzo was that I’ve been going over my overdraft a lot recently due to contactless. I live in London and so use my old card for travel, however those payments wouldn’t show on my online banking in pending payments, and would be taken out suddenly at odd times. I love that Monzo shows contactless immediately, but I’m still unsure about the overdraft payment system. I know there will be overdraft charges, but are there any now? I’m not even sure if it’s possible to go over the amount currently held on my card. If someone could just clarify, can I spend more than is held on my card at the moment, and if so, the charges that occur, if not, when will they be put in place?