where are you paying your main salary in to ?
and
do you have an arranged overdraft with Monzo ?
or a loan with Monzo
The advice from the FCA for regulated institutions is different depending on whether you are asking about a loan or an overdraft and whether you are using an overdraft from a provider that isn’t receiving your salary / wage every month / week
not sure why you are saying Monzo " Not making it public looks like nothing is being done. "