Went to Philippines in April and Monzo worked very well with BPI, where there are no charges, but, both me and my girlfriend had issues with RCBC. We tried getting PHP 10000 (£164.45) in different days, and different locations, and the RCBC machines gave us the card back, no money, but still debited the money from our accounts. In El Nido, because we really needed cash to pay for the hotel and there’s only 2 banks, RCBC and BPI, and BPI was out of cash at the time, I tried using my NatWest card and it worked fine (N.B. between fees and exchange rate I was charged almost £10 more than when using Monzo)
In the meantime we have obviously complaint to Monzo (great customer support btw), and had to fill in a form. We are now waiting to get an answer, and hopefully our money, back from RCBC (Max 45 days of waiting time).