Just about to go on a night out… only want to spend £50… as its all I have in my main account…
However I have an overdraft but I dont want to go into it… so would be good to have a toggle to pause OD’s so basically tonight once I spend £50 it get declined and doesnt go into my OD
Then tomorrow, I can toggle it back off again?!
Anyone else find this useful?
Dan
I think you can reduce your limit and increase it on the fly.
You have a shadow limit that doesn’t change which is the max they’ll lend you, but you can change your actual limit as frequently as you like.
Interesting… anyone form Monzo confirm?
As long as it doesn’t keep doing credit checks then I will do that!
Yeah that mirrors my understanding of it as well. You can change it whenever you like
If I was drunk I’d just toggle it back on and wouldn’t think twice 
Tenner bet he wakes up and see two bottles of Dom Perignon on his Monzos summary.
A much better solution, in my experience, is to get another card, like Monese or Loot etc. Then only top up the amount you want to spend - leave your coral at home!
Ive been burned by the ease of toggling the OD on the night out. I would welcome a time limited pause that cant be overridden for say 24 hours
Apple pay still available
I was assuming you’d leave your phone at home and take a burner with you 
Then that presents problems if you need an overdraft quickly.
Sometimes you just gotta take some personal responsibility. Or take cash.
I third this, would it be possible to alter your overdraft each month without directly affecting your credit rating etc and the opportunity to go back up. This could be a feature.