This weekend I spent two nights at an expensive hotel near London. On checking in an immediate charge of £415 was made for accommodation and a £50/night contingency.
On checking out I was told my actual bill was £318, and thus I expected a refund of £97. But this did not happen. Instead, 30 hours later I was warned by Monzo that the hotel had made a further charge of £318…the actual bill together with a warning that I was overdrawn and not to use the card again until I had sufficient funds.
This is the first time I have been overdrawn on any account for over 25 years and had I have been relying on the card for additional purchases I could have faced embarrassment.
It seems to me that this was not a pre-authorisation. This was pre-charging.
It also made me feel that the 4 star hotel was really saying “Welcome to our hotel, but we don’t trust you an inch”. Particularly when this is not the first time I have stayed there.
I love Monzo, and I particularly loved the speed with which the issue was sorted via the Monzo app, but I am now very wary that this could happen again.
Should I not use Monzo for hotels, or for that matter car hire?