There is a bug on payments to friends if the app is installed from backup and touch id authentication was enable.
In settings, touch id authentication shows that it was enabled but every time when you try to make a payment to a friend, app is asking for the pin code rather than touch id. I believe it’s a bug around iOS security when phone is loaded from backup, it resets all the touch id authorisations and probably Monzo app is doing the same. However settings still display as if it is activated.
The work around is disable and enable again, but it would be nice to get it fixed if possible as I believe it is not easy for everyone to find that out.