Wanted to add to this by asking if you have managed to use Revolut (the app and to pay) in China? I was in Shanghai in December and decided to take my Revolut card just as a supplement to Wechat pay (we have a Chinese bank account so that was no issue).
I couldn’t do anything on the app- it just appeared greyed out and would not load any transactions- I could not top up my card as well. Not sure if I was just particularly unlucky that trip as ExpressVPN was down during that week as well and I tried about 7-8 VPN apps to try getting on my work emails- no luck. Didn’t use Monzo there so no point of comparison.