Requiring to use Chip & Pin for security

[Ordog]

Yep that was it. I found the post too which is in reply to why starling seems to have a higher limit.

Strong Customer Authentication: Using Chip and PIN more often when making contactless payments

The limit in legislation is 150 EUR Monzo have a £100 limit because our cards also support a small amount of offline usage, and this is to prevent you from going over the limit while offline (which we would be unable to see until the next day). We felt it was a much better trade-off to continue to support this case, and make sure you can’t exceed your contactless limit at the same time. Keep in mind that mobile wallets (Apple and Google Pay) are authenticated already, s…