What’s the point? The whole thing can be summed up in a single question and answer:
Q: Should you use Monzo, if your security and privacy are more important to you than convenience?
A: Given that Monzo make it very difficult to revoke API access, don’t have pin protection for the app (on Android), show previous security questions and answers visible in the app (which is usually unprotected), and a number of other issues, it seems fair to conclude that Monzo generally prioritise usability and convenience over security and privacy. Thus, if you do not share this view you may consider alternative options instead.