Great story and another win for Monzo user! @Stone9, please remember that Monzo is in beta, so it’s worth to carry a backup, but maybe consider rfid protection sleeve for spare card and avoid using it to remove human fraud from the equation?
It looks like we might reach a situation when thieves will make a sad panda face when they find that card is Monzo. 
“Nooo, pink card again!!!” reaction, with slackbot silently correcting “Hot coral”… 
If card was cloned, well, thief is less likely to see hot coral. You know how in animal kingdom certain animals/insects have dangerous colours meaning “don’t eat me for your own good”? That’s what Monzo’s colour is on fast track to be like.
I wonder what impact it will have on the fraud volumes. Monzo users are very quick on their feet, card gets frozen often within first three fraudulent transaction. I wonder what numbers are like (proportionally, not totals) between Monzo and some high street banks, for fraud transactions and money spent… 