Then you need to go back and raise a complaint about it, they do it a month in advance now.
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You can only have a 24 hour window to send the funds up to your requested limit IE 00:01 until 23:59 that same day.
You canāt have a full month of sending up to your required limit. Only a 24 hour window to send it.
Hope that clears up any confusion.
To add. You can plan that payment date up to a month in advance as Daveās comment above.
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When I spoke to complains the only option they gave me is to not use the given forms but contact them via chant instead. As if I want to spend an hour looking over my phoneā¦ I also cannot plan ahead because it is raining and I have to pay whenever they invoice me.
Very unhappy with all this. If I knew I had to go through this I would have used a different bank.
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Move to a different bank then, nothing stopping you
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This is why you need another bank account to cater for these larger payments. Plus also withdrawing and paying in cash if required and paying in cheques either at the post office or via cheque imaging.
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It was for me the first couple of times. Iāve done it so often now, though, that itās pretty much second nature!
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Actually it will take me forever if I have to move 10k a time 
ā¦ lol not forever but right now it will be an even bigger pain in the b****
Get the limit raised high enough once and move it all.
Current account transfer service will do it all, you just fill out the switching request and sit back whilst it takes place
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This is not true. They ask me why I want to move the money, they want me to upload an invoice, a video and a selfie holding my passport. Sit back and white 10 hours whilst it take place, if you are lucky and they donāt deny it.
He means when you move banks - current account switching - not sending money to another account.
Your builder needs to tell you in advance when they want paying so you can plan.
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You donāt need an invoice to move your money to a different account. I know because Iāve done it.
There have been so many scams where people pretend to be your bank and ask you to move your money to a āsafe accountā which is why I assume Monzo ask to see an invoice. Itās too protect you, even though i can see how itās frustrating.
What I will say is that Monzo will raise your limit to any amount, unlike some other banks (hi Marcus), where you can never go beyond 25k.
Move to a different bank and good luck with your building work. I donāt think thereās much more to add here.
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Gregorian?
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Just waiting for someone to get back to me having had my limit increase request rejected. Workflow gives me the option of increasing the limit for Personal or Business account. Those are the only two options.
Selected Personal. I added some detail to the request saying that funds are incoming to joint account from a Monzo savings pot by 5pm today. Asked for limit increase tomorrow so that I could send funds from joint account to another bank tomorrow.
Request rejected because I asked for a limit increase on my personal account and not my joint account.
Monzo limits for personal account apply across personal and joint account.
Sighā¦
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Donāt you have to have the funds available first?
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No, not anymore, itās been confirmed above in another post, Iām too lazy to scroll up to find it though.
Edit - I scrolled up, itās not in this post so it must be in another one elsewhere, or Iāve just made up the answer 
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Doesnāt say so in the request flow. But the funds are visible as clearing before 5pm today and I was requesting the limit increase for tomorrow.
Reason given (in chat) for declining the request was that if asked for the limit to be increased on the wrong account.
Request flow message just said āWe canāt increase your limitā.
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Are you currently in the joint account? Not your personal?
As messages can come from the account your app is currently sat in, the brain cells donāt work out the box sometimes with some staff 
Yes I was in the joint when I went to the flow.
But the flow refers only to Personal and Business. As limits on a personal account are applied across both the individual and joint accounts, raising the limits on one would raise the limits on the other. As the help states, āyour limits are based on you, not the number of accounts you haveā. (Obviously the business account is separate because the money belongs to the business, not to me).
I could probably put the request through again and not mention where I want to make the payment from, but it seems thereās a training issue here.
Edit: Also, if they only look at the current account they wonāt see the funds (which have now cleared). And I canāt move the money to my personal account because 1) Iād need to raise my limits to do so and 2) the receiving bank expect the funds to come from the linked account I have specified, which is my joint account as the savings account I want to fund is also in joint names.
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Just complain to them. Such a poor show.
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