I reckon this factor was what swayed me to Revolut instead of Monzo.
Ok, well I've got some forrun currency on my card while GBP is strong - she can get some cash or something from the PO.
She can still withdraw £200 when she is there without any charges, then payments on her card are at the MasterCard rate with no additional monzo charge.
What I’m learning from this is I should have a monzo and a Revolut