Hey @jph 
Thanks for getting in touch! We think Monzo is an awesome card for travelling, but we also know there are more risks when using your card in some countries 
If you lose your card, you can freeze it in the app straight away, and if you speak to support we can help figure out how to get you going again quickly. If you lose your phone, your card will still work, but you should give us a call on +44 20 3322 4650 so that we can log you out of the Monzo app 
And since log in to the Monzo app happens through the magic link, no one can access your Monzo account without having access to your email
More generally, we always recommend that you have a secure passcode on your phone so that even if someone were to gain access to your phone they can’t access any of your data. And of course, never keep your PIN number written down with your phone or your card 
Have a great trip 
️