The Dutch fintech bank bunq offer an Emergency Cash advance with their Debit card.
They issue a Mastercard Debit card (they don’t offer Credit cards) and it comes with an Emergency Cash Advance, maybe this is something Monzo could consider?
“MasterCard offers a great service for when you’re in the awkward situation of losing your card: the Emergency Cash Advance service. You can contact this service 24/7 via a free phone number in order to get emergency cash, which you can pick up at the nearest cash station (often Western Union). To reach MasterCard Assistance Center, please call: 1-636-722-7111”