@Swaledaledub Actually, I’d like to flip this question - what’s the point of prepaid? If debit cards are better (wider acceptance), why would you even want a prepaid card? Perceived ‘security’ of prepaid debit card is just something that people say, but I don’t think it’s even real. What is actually more dangerous about using debit card in comparison to prepaid card? I can’t think of any reason, really.
You won’t get overdrawn unless you specifically opt in for it. Debit cards have daily withdrawal limit, just like prepaid. You can keep as little money on Monzo debit card as you want. You can use it in exactly the same way as prepaid… but debit is more accepted than debit. ATMs are used in the same way. Monzo debit card can be your 5th backup card or your main one. It’s totally up for us how we use it, but I have yet to hear any decent arguments why someone would prefer prepaid card over debit card.
One thing maybe - opening current account shows up on credit score. Since rules of scores vary between credit score providers, which is then entangled in magical rules for mortage providers, it might temporarily decrease score, but the impact shouldn’t be make it or break it for a mortgage.