From my experience though, Monzo has been much more reliable when traveling. It works in much more places in Asia for example. I traveled around Asia for a while before with my TSB UK debit card and it was getting declined almost everywhere, even in big cities like Hong Kong or Taipei (and yes I called TSB and told them I will be traveling Asia for few months in case they have some restrictions on debit cards in place, didn't help at all).

It got to a point I had to open local bank accounts and do wire transfers from my UK bank account to local bank accounts and use the local debit card. I just couldn't get my TSB/Lloyds card to work anywhere except high end western shops like Apple Store.