You’ve been doubly unlucky here!
You’ve used an ATM twice and been skimmed in one of those visits AND the one time you don’t take all your money out on payday, someone uses your card on that day.
edit
Actually, it’s triple unlucky as they have your physical card too!
They say bad luck comes in threes.
I use for online purchases only
While I do understand why banks are more cautious when a PIN has been used it’s fairly easy to get a PIN from an ATM using tools that most folk wouldn’t realise is there. It being a PIN purchase doesn’t prevent it being fraud in the slightest.
Off topic of course.
Hopefully this does get resolved though OP I am curious what exactly you don’t trust about banks? I’m always fascinated with people who have this thought, it seems so alien to me.
I try not to be nosey but this thread is out of control.
Why does your salary go into Monzo if you immediately transfer it out and only use it for online purchases?
Panic over. All sorted. Thanks everyone
You can’t end the conversation like this. What’s the detail! 
Was it Colonel Mustard with the lead pipe?
Was it legitimate, or did you get Monzo to refund you?
Placing bets on being someone they know.
This is unacceptable use of the forums! We need answers 
Monzo wouldn’t even have replied in this timeframe, let alone refunded.
I’m guessing the daughter pulled a sneaky weekly Tesco shop online and popped out to withdraw £200 - then forgot to tell you about both before the Tesco delivery arrived?
I’d be Impressed she’s 3 
Never said they’d refunded? But replied yes seen as though they have to within 24 hours
Why are you being so cryptic about it…?
So it wasn’t her then 
But it does prove that the more you consistently probe into the unknown, the more you discover.
Probably because it was household fraud and they find out who did it. My guess anyhow.
Or drunken stupor. Like that other case from a few years ago.
So if Monzo didn’t refund and it’s now sorted, I think it’s safe to assume you now know who made the transactions and are not continuing with the dispute.
Case closed 
If we never find out what it was, it is probably too embarrassing to share. Although given how many times we’ve had topics similar to this I doubt it’s the worst 
Nothing dodgy, nothing to be embarrassed about. It’s been refunded and resolved 
I don’t have time to sit on here all day replying to people that think am being dodgy or lieing
You’d possibly be surprised how much first party fraud happens as of late.
In form of saying it’s fraud, when actually the bank calls out the facts and it’s suddenly not fraud and they remember what happened.
Not saying this is the case here, but it’s common.
Then…
Which is it 