I’m aware of that, I’m questioning why that has to be the case and why Apay has to be linked to hard physical cards and not the account itself. Probably not an issue with other legacy banks but when you are given more control about the state of your card (freeze) that change across the board doesn’t feel right.
If Google rules dictate that android pay must be linked to a card, could issuing a virtual card in the Monzo app exclusively for Android pay be a solution?