discussed mid december - seems to be a problem that users don’t realise that without verification they won’t be able to withdraw cash from ATMs whilst on holiday - quite disappointing for them and the Monzo experience of good FX rates - do they then bin the card for being unreliable ? I must have seen 5 or 6 posters “complaining” that the card didn’t work in foreign ATMs either through mag strip issues or verification - mostly answered here in the community , but there must be so many of the 100,000 + users that don’t post / read the forum and just end up disappointed in the Monzo magical experience of a bank card that doesnt work without knowing why ;-(