Yep, cracking work from @Rika
What I thought was fantastic about this, is that The Monzo team both here and on chat went above and beyond to sort this out for me, and the team in chat the other day were so apologetic that it had taken so long, and apologised that it had taken so long to get a definitive answer.
That is where Monzo shines, I’ve had much worse experiences with legacy banks and never got so much as a simple apology from them. At least Monzo apologied that it had taken so long! The difference with Monzo and legacy banks, is that here Monzo actually want you as a customer. Legacy banks don’t care about you or the financially excluded. They only care about if you’re making them money in overdraft fees, unpaid transaction fees etc or trying to push credit cards and loans onto you.