When logging into a closed account for the first time on a new app install and then closing & reopening the app, it offers to set up Apple Pay even though it will fail later on because the account is closed.
Details to reproduce:
Uninstall the Monzo app (if any). Install it back, follow the login flow up to the home screen, then close and reopen the app (or just switch away from it but leave it running in the background). When reopening the app, it offers to set up Apple Pay even though the account is closed and Apple Pay provisioning will fail later on down the line if you actually attempt it.
OS: Latest iOS at the time of this writing.
Device: iPhone 8
App Version: Latest at the time of this writing.
Screenshots: Not relevant.