Thanks for the reply and appreciate your comments / the challenge. The ringfence idea probably wouldn’t work as you point out. That said, release payments early with a tap would still be a great feature so I hope the clever people at Monzo can come up with a way to do it. I still mentally track my pots as part of my balance
The scenario: You can see DDs and scheduled payments pending out your bank in the next few days.
You have enough in the account to cover it.
Shortly before the scheduled payment or DD goes out, something unexpected charges your card and then the auto payment fails.
The suggestion: Monzo already allows you to "get paid early"when it detects money pending to your account. Why not also allow to “send payment early” when something is pending out.
I would rather the “unexpected payment” fail than something that I can see queued on y upcoming list.
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(Another dupe)
Hey,
I really like that it shows you what payments are coming up. This helps manage finances better etc.
it would be good (and it’s probably just me) if there was an option to pay them early. Eg it says x amount for x company is coming out in 3 days (pay now button)
Some of them if just want to clear quicker 
Cheers
Tim
The merchant doesn’t want the payment a day early, it wants it on the day you agreed for them to take it.
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I don’t think the merchant would mind being paid early or Monzo cold hold it before sending, either solves the request.
Or people just wait until the money is collected. Monzo only show this as a courtesy, how did they cope pre monzo?
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The whole Direct Debit system is built around the principle that the company being paid requests the payment on the date they’ve set. There’s simply no facility for the customer’s bank to change that date and send the payment early. It would cause a lot of confusion if there was, and it could possibly also invalidate the Direct Debit guarantee.
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I feel OP needs is standing orders (setting up future repeated payments) instead.
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Use a Bills Pot to ringfence the money you need to pay the upcoming (expected) D/D’s.
Simples.
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They would also request to have them sent out early since there will be a weekend for them to enjoy when the standing order is due on a Monday.
OP needs financial discipline by the looks of it.
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Not with Monzo or other fintech, they leave on the day you set it.
Alternative is for Monzo to still hold the payment in the background to send it to the merchant when they expect the payment.
Monzo user sees " you paid your payment early", and the amount is deducted from your balance.
Merchant still only sees the money on the day they’re expecting it
But Monzo wouldn’t have paid it early, so that would be a lie. All Monzo would have done is to reserve the money for the payment, and stop the customer spending it before the actual payment date.
I can just see the complaints now: “I paid my gas bill early, and Monzo confirmed this, but British Gas say they haven’t got the payment yet, so where is my money?”
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I am going to the ombudsman
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The old classic. Like they think it’s a scare tactic cuz Martin Lewis said so 
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I find it so interesting reading this and how different peoples brains work so differently.
For me, I completely understand the logic of the request - monzo introduced “get paid early” - this is a logical request for the opposite function.
The “in 4 days, in 3 days etc” already shows up on the screen - I agree - it would be great to just click “pay now” and have them done and gone.
Difference in my thinking, and therefore why I don’t undertsand the arguements is when people start telling you to do work arounds etc. If monzo are going to be forward thinking and propose a solution one way, there is nothing wrong with suggesting they find a solution the opposite way.
I am all for the flexibility of this being introduced.
As for companies not wanting the money early - I call BS - any business recovering revenue will clamber to have the money in their banks sooner rather than later.
Or people just move the money to a Pot and stop being “I need it over and done with right now” stuff. Standing orders and manual solve their problem if they don’t want companies to demand payments on specific days and monzo obliges.
You can’t align paid early where Monzo loans you the money because they can see it inbound with no recall, opposed to a direct debit the company specifically asked for on a specific date agreed with their customer.
It could be breaking the direct debit terms if it’s paid earlier than set out in the guarantee. What if paying it early against the terms means the guarantee does not apply?
Speculation of course, but many complications on contractual and regulatory agreements vs Monzo giving you a loan because the money is 99.99% guaranteed to arrive the next working day.
Again, no company complains if you pay early. If you pay early - they just skip the dd. I pay my o2 bill manually every month because I want it paid on 1st and they don’t collect til 6th. They just skip my dd - but I keep the dd there in case I forget.
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