Just out of curiosity, does Monzo have any advice on chargeback especially related to cases like Ryanair’s? I have purchased some tickets for Ryanair. I paid some with HSBC CC and Monzo. I am giving time for Ryanair to give my £££ back till end of June (I am not in rush, yet) but on 1st of July if they are not going to do anything I am going to start chargeback on all tickets (over £1k in total).