Thank you for your response Simon, May i respectfully suggest that you consider moderating this bug report forum in future as the aggressive and adversarial responses before yours to my attempt to help has left a bitter taste. Word of mouth is a powerful marketing tool and a switch to a competitor is a few taps away and others may be discouraged from seeking help or reporting bugs in future, I know I wont bother.
I am a developer who regularly uses bug trackers and this is a bit of a farce.
I am grateful for you cordial and constructive response however I can assure you that the BBC have nothing to do with concerns, only that when comparing with Bunq and Revolut, Monzo leaks the most personal information and uses the least amount of preventative security.
Cheers and best of luck in the future.