The bank card
made for travel
🙌 Pay anywhere, in any currency, fee-free
💸 Split costs with pals in seconds
Your bank account for going abroad
Your bank account for going abroad
Spend abroad with no fees
Pay anywhere, in any currency, with no foreign transaction fees using your debit or credit card. We pass Mastercard's exchange rate directly onto you, without sneaky fees or extra charges.
Make fee-free cash withdrawals
If Monzo is your main bank account,make unlimited fee-free cash withdrawals abroad in the European Economic Area (EEA),and up to £200 every 30 days for free outside the EEA. After that, we’ll charge 3%.
Grow your holiday money
false Your interest is paid monthly and you can take out your money any time.
Split costs with pals in seconds
Track how much everyone owes and settle up whenever you like with a Shared Tab. You focus on the good times, we’ll do the maths.
Get more time to pay for travel with the Flex credit card
A credit card with some Monzo magic
Enjoy 0% time and time again when you pay in full or in 3 monthly payments, or 29% APR representative (variable) if you pay in 6 or 12 monthly payments.
You'll need to select a monthly payment plan within a day of making a purchase. If you choose not to, we'll set it to the minimum monthly payment at your personalised rate.
Spend abroad with no fees
Save money by paying anywhere in any currency with no foreign transaction fees. We pass Mastercard’s exchange rate directly onto you, without sneaky fees or extra charges.
Protect big purchases like flights and hotels
You could get your money back if things don’t go to plan, with Section 75 Protection on eligible purchases made with your Flex credit card.
No waiting around
If approved, you can start your holiday spending straight away with a limit up to £3,000.
Representative example: 29% APR representative (variable), with an assumed credit limit of £1,200 and an annual interest rate of 29% (variable).
Eligibility criteria and Ts&Cs apply. 18+ year olds only. Missed payments can negatively impact credit scores and you may lose the interest-free rate on existing plans.
Frequently asked questions
Are there any fees associated with using Monzo abroad?
You can pay anywhere in any currency using your Monzo card, fee-free. We pass Mastercard’s exchange rate directly onto you, without sneaky fees or extra charges. You can also make fee-free cash withdrawals up to a certain limit (see below).
What is the Monzo cash withdrawal limit when using my card abroad?
Depending on how you use Monzo, you can make fee-free cash withdrawals up to a certain limit. Any fees you may have to pay are partly based on whether you’re in the European Economic Area (EEA) or not. The EEA includes EU countries and also Iceland, Liechtenstein and Norway.
Here is a breakdown of any fees you might need to pay.
| European Economic Area (EEA) | Outside EEA | |
|---|---|---|
| Monzo is not my main bank | £400 fee-free every 30 days (3% afterwards) | £200 fee-free every 30 days (3% afterwards) |
| Monzo is my main bank | Unlimited fee-free | £200 fee-free every 30 days (3% afterwards) |
The 30-day period for allowances resets exactly 30 days after your first withdrawal, rather than at the start of a new month. Your allowances are shared across any accounts you have. So if you have a joint account, your allowance is split across that account and your personal account. For example, if you take out £150 on the 2nd of the month and £50 on the 5th, your allowance would reset on the 2nd and 5th day of the next month. If you made a third withdrawal before those dates, then we'd charge the withdrawal fee.
Just be aware that some ATMs will charge you a fee for taking out cash (which we don’t receive), so we recommend using a free machine whenever you can.
What is the European Economic Area?
The European Economic Area (EEA) includes EU countries and also Iceland, Liechtenstein and Norway.
How do I know if Monzo is my main bank?
If you have a free account and meet any of the below criteria, then we consider Monzo to be your main bank:
At least £500 was paid into a Monzo account in your name over the last rolling 35-day period, and you have at least one active Direct Debit on the same account in the same period.
You’ve received a Department for Work and Pensions or a Department for Communities payment into a Monzo account in your name over the last rolling 35-day period.
You’ve received a student loan payment into a Monzo account in your name over the last rolling 8-month period.
You’re sharing a Monzo Joint Account with someone who has done at least one of the above.
Remember that if you use Monzo as your main bank, you can enjoy unlimited fee-free cash withdrawals in the European Economic Area (EEA).
Do I need to let Monzo know when I’m travelling abroad?
You don’t need to tell us when you’re travelling. You can use your Monzo card abroad just like you would in the UK. We won’t block your card if we see you using it in a different country. Instead, we'll tell you the local exchange rate when you make your first payment in the local currency.
What should I do if my Monzo card is lost or stolen while I am travelling?
If your Monzo card is lost or stolen while travelling, immediately freeze your card and contact our customer support team for assistance (you can do both through the Monzo app).