Thanks for this - it certainly helps to zoom in on the possible causes of the fundamental crashing issue.
100 upvotes for you, if I could, this worked for me and I can pay my rent 
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This solves it for me too, thanks for sharing!
Just wanted to say thank you, had this issue last night and then found this thread this morning. This solved my problem.
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Why has this gone unfixed for 2 months?
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I’m curious about who could fix this?
It’s currently hardware/settings issue(s) across multiple platforms & OS’s. Yes - the response will be “but Monzo should detect the error and warn” but there are so many variables involved that the current software platform can’t trap every one at this stage. In the future, software will (hopefully) deal with these issues but in the meantime, if the pattern faults are found and made public then there’s a reference to fall back on. Like;
I don’t see an issue? Monzo should stop making the camera being enabled a requirement to open the app. If they need it for a specific instance, then ask for permission to enable it at that stage. That’ll stop people being unable to open their banking app for something as innocent as being on silent mode, which is plain ridiculous.
Until then, 2 posts above will help the majority of new users (who are unaware of the current issues/limitations/pitfalls) to get on-board at this stage if they experience issues.
If we’re all helpful while recognising what limits we’re currently working with, it’ll instil improvement as a side-effect.
Having just updated my (Razer) phone with the latest patches available, it looks like the issue is resolved. I’m not sure this is actually Monzo’s fault, I’d sooner point my finger at shoddy OS releases but I’m not an Android engineer 
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