It has been activated and I have my PIN (which I know I need to change)
Do I need to do anything else before I can start using it? I think I saw something about having to do at least 1chip and pin initially before contactless would work?
I think you used to have to do the first transaction with a PIN number , but unsure whether you have to now , you could always take some cash out when you change your PIN then its done if needed. I would use a "proper " banks ATM though as some link machines etc don’t like Monzo
Or ask in app chat if you need to do first one with PIN ?