I love the Monzo bank account and your mission. I’ve used the card a few times. Here’s some basic feedback on having to use a PIN number for transactions. Although this is more secure and common in the U.K. and beyond it’s not required in the US. This creates a change of behavior for the customer with them potentially forgetting this. I believe the reason why you require a PIN number is because the card is a debit not a credit card so doesn’t have the same protection from a risk point of view. Anyway like I said I love the card and using a PIN number isn’t a big deal for me because I’m from the U.K.