[Closi]

> In the UK, it's really hard to get a bank account where they'll do that.

I'm pretty sure all of them do, just ring up your bank and ask them to set your overdraft limit to 0

I've certainly done this with HSBC & Santander in the past, and when I got my Monzo account it was 0 by default (You had to sign up for an overdraft if you wanted one).

[rlpb]

An overdraft limit of 0 just means that you end up in an unauthorised overdraft sooner.

Monzo might be an exception here.