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@Greenbank
Having the banking apps on my phone mean I get a ping whenever any of my cards are used (usually within a few seconds), and I get those pings on my watch too.
One unknown transaction and I could freeze them within a few seconds. I was just lucky I'd spotted the card missing last night (even in my mildly pissed state) and froze it before someone tried to start using it.
It does mean though that losing wallet AND phone would be pretty disastrous. No way to get notifications, no way to quickly freeze things, have to faff around to get numbers to ring up to put blocks on each of them (3 different card providers).