This isn’t going to help you now but…
This is why the limit is set where it is -
And Monzo are working to get the limits increased -
As for
the limits have always been in the T’s & C’s & as you pointed out, they’re now in the iOS app too -
I try to avoid withdrawing money from my Monzo card, as it’s much more difficult to categorize my spending accurately & you lose the merchant, time / date etc. data. Having said that, I’m still at risk of hitting the annual limit so they do seem pretty low.
It’s not that long until the current accounts / debit card launches with the increased limits. I don’t think you have a lot of options in the meantime, although it’s worth seeing what the support team say.