Charging someone for being overdrawn when they have an overall credit balance does not make sense to me.
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borrowing money when you have a ācredit balanceā makes no sense to me either , move it from your pot and donāt borrow - job done 
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Thatās because banking security has nothing to do with GDPR per se.
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Neither it does, had a work meeting on GDPR, must have been on my mind 
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At which point you should only get interest on the amount in the pot, minus the amount youāre overdrawn.
Then you have to consider what should happen if you go below the minimum allowed amount for a savings pot (Ā£500/Ā£1000), should the pot shut down and empty or should you lose all interest on the money in the pot? The minimum limit is from a third party, so at that point Monzo are loaning you the money to keep at the potās minimum limit.
Thereās also the consideration of which pot it should deduct from first. If you have Ā£1000 in one pot at 1% and Ā£500 in another at 1.2% and you go Ā£200 overdrawn, which pot should you get reduced interest on?
The end result of this would be a spiderweb of code, leading to a lack of future comprehension and bugs creeping in (not to mention more edge cases) and a massive lack of simplicity for the user. From a userās perspective theyāll randomly sometimes not get charged interest when they go overdrawn.
Thatās not to say Monzo shouldnāt come up with a long-term solution but itās clearly a bit more complicated than it initially seems. A starting point would be a notification when you go overdrawn if you have money in pots that is easily withdrawable.
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Surely a pot is only a portion of your account with Monzo / Starling? If you have an ISA or other type of savings account then these are separate accounts?
So any money in a pot is in your Monzo account and thus should be included in overdraft charges calculations.
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Had to call Startling today to reset my password since I havenāt used the account for over a year.
They asked for my name, email and postcode as well as when I opened my account and got a SMS with a temporary password to use.
Only took about 3 mins, the woman on the phone was polite enough but didnāt sound very happy or enthusiastic.
The issue is more that itās simpler to calculate and easier to understand if the Main account balance is used to determine how much overdraft is being used.
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Upon asking in live chat when I could resign up for an account if I ever decided to (was curious) I was asked what device I used at the time as a security questionā¦
I was at the time seeing if I liked iOS so I had no idea if it was the Android phone before, after or an iPhone? 
I just named them all. 
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Please can we keep this on topic.
Monzoās overdraft calculations regarding pots has been discussed in length. You can see @tomās comments in this thread 
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So because Tomās outlined what Monzo do we canāt discuss that Starling do it differently? Seems a bit stifling of a discussion point.
We all know what Monzo do, but it doesnāt really explain why Monzo do things and what other institutions do.
Frankly (this is me personally so donāt all jump angrily on me) I think Tomās response there was rude and almost aggressive.
āif you donāt like it, leaveā
How very Revolut of them
(Ok last part was slightly tongue in cheek there)
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That was the question I got asked when I called up second time. I listed every iPhone Iād had in the last few years. Still not passed.
Which is a technical impossibility given Iāve only ever had iPhonesā¦
Anything farmed out to another provider should not be counted as part of your balance. Pots that earn 0% aka pots v1.0 and just segregate cash in your current account should.
Agreed
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Thereās just more and more conceptual confusion between pots and accounts, which is only getting worse now incumbents have started calling their instant access savings accounts āpotsā as well.
An account is an account because the funds within it are subject to the same terms, treated as a single balance.
What Monzo has done by applying different terms to pots is create a sort of semi account. Itās subject to its own specific terms, but it doesnāt have its own account number and so on.
Personally, I think pots should simply have been a convenience feature for earmarking funds - more or less with the same effect as keeping a spreadsheet - and anything else should be set up as a separate account with its own terms.
So, the Starling approach is conceptually logical and therefore more attractive, as simpler to understand.
I do wish Starling would show a global account balance thoughā¦
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Not obvious by any means butā¦
Account Management ā Account Information ā Interest
This displays your current cleared account balance for the purposes of working out interest. It takes into account your main balance, Goals and and overdraft usage 
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Not quite what I would want either, as I can see a debit card payment yesterday mustnāt have cleared yet, so itās still a bit āout of dateā for a live balance.
No fees worldwide and can withdraw Ā£300 a DAY in foreign currency! No fees worldwide and can withdraw Ā£300 a DAY in foreign currency! App-based Starling Bank has a current account that charges no non-sterling transaction or cash withdrawal fees when you use its debit card worldwide. Why not just use a starling card additionally abroad instead of Monzo plus?
If you have a Starling account and need a lot of cash then it totally makes sense to use that
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Thatās a long title 
. Edit: The title has been shortened 
.
I have to agree with @Rat_au_van, if you need a lot of cash on holiday then Starling is the way to go for that. Use whats best for you, thats what matters 
.
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Coming across more as StarlingExpert 
If that works best for your case then no one begrudge you going their route
Starling will be subsidising you there and Monzo have made the choice not to
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