I think this could be the golden bullet for this kind of thing. That way, no fancy logic is needed, the exact right amount always comes straight from the pot.
There has been a lot of virtual card stuff on the teardowns recently, hopefully virtual cards linked to a pot is something Monzo has considered 
And what if the pot is empty? The Bills Pot cycles money through the main account specifically to avoid this problem. I guess you have to bounce the payment even if there is a million in the main account.
I guess the best way is just moving it after the payment like the IFTTT stuff. Don’t see it as a huge issue personally. Only problem is you’ll need to really have an overdraft.
Or you could deduct it from the main account as a back up if the pot is empty or doesn’t have enough in it. It’s all about how monzo have the pot set up to interact with the main account.
We know why it currently doesn’t work and what the frustrations are when trying to make it work, but we don’t have to dwell on them or see them as unfixable.
And if there’s nothing in the main account?
I don’t know that there’s the processing time to check this stuff before the card payment goes out so if they allow it without guaranteeing the funds they’re back into overdraft territory.
There is no nice answer.
As an aside, I personally don’t believe we’re going to see transactions out of pots directly as I’ve said elsewhere.
Then it’ll be dealt in the same way direct debits and standing orders are when there’s not enough money in either the bills pot or main account.
There being no immediate nice answer or the fact it would be hard to implement isn’t an reason not to explore the idea.
Never said it was. You’re the one who keeps on about it!
It all comes back to the timing and whether any of that can be done in the thread of transaction approval. Without that question answered, the rest is pretty pointless in the sense that the actual payment calculation is fairly simple. I’ve already said that I doubt it but it’s clearly not my area.
Fair enough but saying the rest is pointless without knowing one aspect does come across like an unwillingness to explore it further. Maybe I’m just reading it wrong, if so I apologise.
Timing is an issue but like in one suggestion (if virtual cards were linked to a pot) then timing wouldn’t be an issue at all. Sure if the money isn’t there in the pot the payment might fail but the same could be said for the current setup, if the money isn’t available in the main account the payment will fail.
It’s clearly not my area either but in the spirit of the topic I think it’s good to discuss the solutions rather than the current limitations each time an idea is put forward.
Bunq lets you have two accounts on one card, with a different PIN for each. You can assign one account as a backup if the account you use does not have enough funds. Lots of things are possible with outside the box thinking.
With my engineering brain, I can’t discuss solutions unless I can see the constraints they have to work within. Hence the ‘pointless’ feeling I suppose. We can come up with whatever we want but if it can’t be done in the time available…
Different people, different thought process is all it comes down to.
True enough but without at least an understanding of the box how do you know when you’ve reached a viable solution?
As a software engineer myself, I prefer to work the other way. Think up solutions, and then try to understand why the solution is/is not viable within the confines of our system, and by extension whether our system is correct in having these constraints, or if it should be updated to facilitate the solution, if that in itself is viable.
But as you say, it’s just different processes for different people 
The Business Analyst in me is quietly crying… 
Well, I appreciate everyones in put here. And I value your thoughts In helping me understand more… however, I’m not a Business Analyst, Software Engineer or a crowd funder… I’m a customer.
So from what I’ve read in this feed, “subscriptions coming from bills pots“ has been mentioned, suggested and explored a number of times. I assume by all walks of Monzo users? So if it keeps coming up, then its clearly a “want”. Albeit not as much as other wants or needs… but its still a want… so perhaps if the engineering isn’t currently available, build something that will make it available? Reinvent the process. If not totally, just make it work for monzo… meet the customer needs.
If only life were that simple. I think ‘work around the process’ is as close as we can get since the process belongs to Mastercard and not Monzo.