Monzo doesn't provide credit cards, only debit cards. Banks have a vested interest to work with you for purchases made on credit because it's their money. Debi

Monzo doesn't provide credit cards, only debit cards. Banks have a vested interest to work with you for purchases made on credit because it's their money. Debit purchases have no such leverage and thus have lower protections. If it costs more than £100, use a credit card in the UK as the CC company is jointly liable for any issues, even faulty goods.