Just returned from Thailand where every ATM imposes a 220 BHT (£5) for any withdrawal, no matter how small. The only reason I got the card was on the promise that ATM withdrawals would be charge-free, but it transpires that in fact you will be charged anywhere between 2.5% and 100% on each transaction depending on the amount. You are then coerced to make a single £200 withdrawal per month to minimise the damage.
Which begs the question - what n earth is the point of this card? Locking in pre-loaded currency in an interest-free account that you are then charged to withdraw from. Turns out every town in Thailand has banks and currency exchange offices that were happy to exchange sterling cash at as good a rate as Monzo offers but with no charge for the service.
In future will take enough sterling cash with me to cover costs. In any case, on what planet is £200 realistic amount for a month abroad?