@rcoley If you have salary paid in via BACS Credits these are processed at 1AM on the specified day, whereas Debits are processed after at 2AM
This insures that if they both land on the same day there aren’t any issues in theory.
See post below from Monzo staff about this:
Retries if a payment fails may be added in the future.
Standing Orders & FPS are not processed by monzo at any particular time. This is down to the sending bank, we apply them as soon as they arrive.