How can I access my virtual card while I’m waiting on physical car? It won’t leave the page wanting physical cards numbers
Correct, you can’t.
If you have plus @fredrickbrock55 you can create a pot, create a virtual card and then spend from that while waiting for the real card to arrive.
You used to be able to do this, it’s possible that it has changed.
The possibility of fraud doesn’t stop at least one other bank providing a virtual card straight away upon opening: With Starling it is possible to open a bank account in the supermarket and pay using your virtual card at the checkout. If Monzo can’t overcome this it’s Monzo’s problem, no one else’s.