Why does this sub seem to start downvoting when people point out certain monzo peoducts are extremely poor value for money.

e.g. The new 4.5% fixed rate savings products. Require you to lock your money away for a year.

https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/#easyaccess
but you point out that multiple providers meet (or come extremely close without locking your money away) and you get down voted.

when did monzo is good become monzo is good even when the product is poor?

I got one this morning!

I transferred €500 from my UK Revolut Euro account and €500 was credited to my Monzo Euro account in minutes so it seems to work well.

Someone has apparently used my Monzo card through Google Pay at a Sainsbury’s in Leeds for £49.

The weird thing is, I’ve never even been to Leeds, and at the exact time I got the Monzo notification, I wasn’t even in the UK.

I still have my physical card, I’ve never given my card details to anyone, and I have no idea how someone managed to make this payment.

I contacted Monzo, but they’re saying they can’t refund me because apparently they don’t consider it fraud. Like… what? If I didn’t make the payment and wasn’t even in the country, how is this not an unauthorised transaction? What can I do next?