Seen a couple of questions about what happens when you hit ÂŁ0 in your Pot:
If you’re trying to make a new payment and you don’t have enough money in your Pot, we’ll decline it - there’s no drawing from your Current Account, it’s like they’re completely separate.
There’s one notable exception that I alluded to in an earlier post: there are payments that change in amount, such as TFL where you get charged e.g. £0.10 when you tap-in to the tube, but the next day that changes to the actual amount you paid (something like £2, say).
If that happens and you don’t have enough money in your Pot, we’ll draw the difference from your Current Account*, this means that there’s no concept of “unarranged overdraft” for Pots (which is a headache we don’t even want to start considering, let alone explaining to customers).
*Bonus: if you’ve archived the Pot in the time in between, we’ll also unarchive it so you find out that something’s changed