When Monzo is actually capable of replacing your present bank, i.e. it offers current accounts, this issue won't exist.

> current accounts should be held to the same standards as an average todo-list app?

If your present bank used the same card payments processor, it would be experiencing the same outage. That's my point, not that it doesn't require more stringent certification than Trello.

> So you are saying that my credit cards and

There's no credit cards and the company's stated no plans to ever offer any, preferring to instead ask What problem makes you seek a credit card, and rethink what a modern solution looks like.

> No offense ... ;)

Why would I take offence? I'm just a user, no skin off my back if you're not ;)