I'm a Monzo client and honestly, I'm surprised they even offer the option. They do everything on-line if they can: it's cheaper for them, and I find it more con

I'm a Monzo client and honestly, I'm surprised they even offer the option. They do everything on-line if they can: it's cheaper for them, and I find it more convenient, on top of all the reasons you listed. I suspect phone calls only happen at the very edge of rare branches, with elderly or handicapped clients, complex transactions, when ID checks fail, etc. They might not do it at all, and had added that feature in the rares of cases they might — but making it visible as “this changes color if we call you” makes a more compelling story than they previous “we never call you” if you are on the phone with a high-pressure scammer.