I agree that cancelling unused credit is probably good, however they should really give notice of their intention - it’s just nicer (except in the case of fraud obviously).
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My overdraft facility got withdrawn today to, never used it but my overdraft with starling and credit cards remain unaffected. Without this facility I don’t plan on making monzo my main account at any point.
Other than a credit increase recently on one of my cards which was offered to me reviewing my Noddle and checkmyfile account shows no CCJS, defaults, recent changes or recent searches. Not really sure what the reasoning for this is in all honesty.
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Just applied for a balance transfer credit card this week, waiting for the Monzo message…
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How are you notified? In app message? Do you feel comfortable sharing any of it?
This is quite worrying for me, if Monzo removed my overdraft they wouldn’t be my main account
Think they need to think about what they’re doing here
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No, the user never accepted the offer to apply for the overdraft.
It was in the format of a chat message that I could read but not respond to, see below:
Hi Kristopher,
This message is to let you know that from today you won’t have an overdraft with Monzo any more.
Part of our role as a responsible lender is to periodically review everyone’s eligibility, and our latest review showed us something on your credit history which would stop us from offering you an overdraft.
That’s something like a bankruptcy, some defaulted payments, or a County Court Judgement. With that new information, we’ve decided not to offer you credit through an overdraft any more.
Since you weren’t using your overdraft, there’s nothing you need to do, and you don’t owe us anything.
From now on, we’ll try to reject any transactions that would take your balance below £0. For payments where we can’t do that because they happen ‘offline’, you’ll still have a free buffer of £20.
If you’re having any financial trouble, or worried that this change might put you in financial trouble, please let us know and we’ll do what we can to help.
Personally I think it’s a bad move and bad practice, and I understand they have to be a responsible lender but with no further information provided and no other accounts affected I can’t really understand what the issue is.
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Is that the case? It seems clear that the people posting on there had an agreed overdraft which was then cancelled.
Or have I misunderstood something?
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How would that work? Are you suggesting that they send you a message before withdrawing the offer? In which case users would apply for credit that Monzo was no longer able to lend.
I think the user needs to apply for an overdraft if they need it - in which case, once they have it, Monzo will give notice before withdrawing it. And if they don’t, not rely on the overdraft being available.
They haven’t removed their overdraft, they’ve removed their offer of an overdraft.
One of us has 
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Just to clarify I never applied or asked for the overdraft, they offered me it when I opened my account.
They have removed the overdraft not the offer. I had 1k available for 3 months but not any more
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Did you accept the offer or not?
As annoying/bad/whatever this is, don’t forget an overdraft is subject to recall at anytime…
@alexs my understanding is they had overdraft for three months but didn’t go into it
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ahhh! well in that case, its kinda…fair enough…i think? I’m not sure…its not “unfair”? 
I did 3 months ago and it was available to spend by today.
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I did, it was listed under the account screen as available to spend. I just hadn’t used it.
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now im confused…i think we just need a Monzo answer on this one!
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The overdraft screen is offering me £1k however I’ve always clicked the “bounce payments” button. Given I’ve recently got a new BT credit card and moved my mortgage it’ll be interesting to see if they pull the overdraft offer when my credit file updates…
I am a tad confused though around whether its people that have access to the overdraft (accepted the offer) and/or people who were offered but not necessarily accepted.