Hi @JoshuaT sorry for noticing this so late! Fingers crossed we get our banking licence 
called a ‘licence with restriction’ which allows us to enter a phase called ‘mobilsation’ (check out How to get a banking licence). We are not allowed provide overdrafts during ‘mobilisation’, although we will be able to do that when we get our restriction lifted, which will be a few months after we get our licence.
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