Generally guidance is that you are entitled to a refund from the bank only if you did not authorise a particular transaction.
It's just that credit cards must offer chargebacks by law.
The Moral of the Story: Money institutes may not cover you like you think they will.
I've learned my lesson.
Again, be -very- careful.
Not if you didn't read your debit card agreement, no. Nothing you've stated wouldn't be clearly spelled out in the agreements I've seen for debit cards. I mean, I can see how this happens: looks like a credit card, must have the same protections as what people online say about credit cards, right? Nope.
If I remember correctly, debit card protections don't exist below £100, so they literally can't do it for a few quid, but they can for larger sums of money.
This isn't an example of Monzo being terrible, this is an example of debit cards being terrible.
Banks have a vested interest to work with you for purchases made on credit because it's their money. Debit purchases have no such leverage and thus have lower protections.
If it costs more than £100, use a credit card in the UK as the CC company is jointly liable for any issues, even faulty goods.
Some providers are interestingly stubborn when it comes to charge backs and can hold on to the (fraudulent) vendors side even if you're clearly right.
Monzo in the UK is a prime example for that. An internet vendor charged me more than he should and refused to void the transaction (basically text-book fraud) and I filled for a charge back with monzo. I was extremely confident that it wouldn't take much however monzo customer service resisted to help.
The monetary value wasn't much however in the end I perfectly understood that this "protection" does not exist on the credit card issuer/bank side of things.
Be careful.