This is kind of help but it is more a question about something in particular. I guess I am just being exposed to this now I am on Monzo so wondering how it works and why it happens like this here and not elsewhere.
Last night I placed an order on Amazon, shortly after the order was placed the app jingled* and said I had spent £1.00 (I always knew that Amazon charged a £1 holding transaction to the card as I don’t think they charge the card fully until the item has been dispatched).
About 20 minutes after that initial £1 jingle my phone jingled again and the amount for the product I had purchased showed up, £29.99 it was. So I now have £29.99 and £1.00 in my Monzo summary.
When I use my HSBC debit card I would never see the £1.00 in online banking, why is it that on Monzo the £1.00 appears in my summary?
I am more curious as to what is going on behind the scenes than raising this as an issue.
Also the £1.00 is still showing as pending while the £29.99 is not (the item has been dispatched)
*Jingled being the noise of coins when you place an order.