[bruce_one]

> they get declined if your account is empty too AFAIK but haven't tested it ;P

Not always, at least some banks will allow you to go into overdraft and then charge a fee (e.g. $15 for Commbank) - so it's worth being cautious about running out.

I remember miscalculating and going into overdraft by a very small amount (e.g. a dollar or two) and then being slugged the overdraft fee - I would've much preferred the transaction to be declined, but that isn't/wasn't the default behaviour.

For example: https://www.commbank.com.au/support.banking.explain-account-... -> `CommBank may allow you to overdraw transaction accounts for the following payment types... Spend using your linked CommBank card`

(It used to be enabled by default with Commbank, not sure if that's still the case; but I'd kinda guess "yes"...)

[omniscient_oce]

Thanks for the info. I'll keep that in mind