The criteria seem to be mostly designed to ensure that people who aren't using it as their main account can't do things that cost Monzo lots of money. That said

The criteria seem to be mostly designed to ensure that people who aren't using it as their main account can't do things that cost Monzo lots of money. That said, if you want to deal mostly with cash then Monzo probably isn't for you, and I think they're ok with that.