The Monzo card can also be used to withdraw upto £200 per month free, there are charges after that but still better than the bank rates. Prepaid cards offer a much more secure option than a bank card. The more you use a bank card to pay for goods and services the more likely your card is to be cloned, at least with a prepaid card you only lose whats on there and it's easy to top up via your phone. I only use my bank card now as a last resort, and only to draw out cash from a bank ATM. I always give the ATM keypad and card slot a good tug to make sure they aren't a cloning device stuck on.