Brilliant stuff congratulations 
A good question. While Monzo has some handy features it has also given me “card declined” a few dozen times, something no other bank card has ever done to me. I assume this is some software or correspondent bank issue but it’s annoying and a bit embarrassing. In Portugal on holiday recently these declines happened on a regular basis despite having a few K on the account. While I am happy to be one of the half million, my account currently has £3.56 on it and will stay like that until my next overseas trip.
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