I am writing with so much regret right now.i wish i had listened to my partner when he warned me against using Monzo,he said and i quote “They never protect their customers against fraud”I got frauded and I realised like immediately,I called Monzo for urgent help before it was too late and I was assured I was gonna get my money back as it was reported on time,only for the fraud team to chat me this morning that after their investigation they couldn’t help.despite all my urgent call..just few after the incident,I was hoping they would still hold the money for few before disbursing but it was otherwise.first,it was an unrecognised debit,no refund till today and now its a proper fraud incident.i guess Monzo encourages fraud more by doing nothing when it happens to their customers.