There’s been a bit of discussion about this here too -
https://community.monzo.com/t/cache-current-balance-when-offline/6881?u=alexs
On the iPhone, you can see that the app’s trying to retrieve the latest data because the spinner’s spinning, at the top of your screen.
Or if you have no connection, a warning banner also appears, “poor connection, so some features won’t work”.
Is there not something similar on Android phones?
Once you get into the habit of checking that, I’d have thought, you can rely on it (I do anyway) or does that not work for you?