Should Pots balances be counted for overdraft fee calculations?

[anon44204028]

@iansilversides

so you get to keep your £500 in your goal earning 0.25% and Starling give you the facility to spend another £500 at no cost because you have £500 in a goal ???

but if you spend that £500 overdraft you are not getting 0.25 interest on the amount in your goal! the interest is on the account and by spending the £500 be it from inside a goal or outside from an overdraft it means you have reduced your balance by £500 so you can’t get interest on a £500 that is no longer there! You have spent it!