HelpTravelling with MonzoUsing your card abroad

Using your card abroad

You don't need to tell us if you're going away 🛫

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 arrive, and send you a spending summary of your trip when you get home.

Take a spare card 💳 
Your Monzo card should work anywhere that accepts Mastercard, but it might not work in some countries. Our Community Forum is the best place to ask questions about specific locations – and there are lots of travel tips there, too.

We don't charge any fees for paying by card 🙅‍♂️
We also don’t mark up the exchange rate, so you’re always getting the best possible deal. Some card machines ask if you want to pay in pounds instead, so make sure you pick the local currency for the best exchange rate.

You can take out up to £250 from ATMs on a rolling 30-day basis in the UK/EEA, and £200 for the rest of the world 💶

As of 31st October 2020, we've introduced an ATM withdrawal fee in the UK/EEA for some customers. Customers using Monzo as more of a bank have higher allowances, and won't have to pay any withdrawal fees. Customers that rely on Monzo less, and use us as more of a spending card will have a £250 fee-free buffer every 30 days, and will be charged a 3% fee thereafter.

For the rest of the world, after the first £200, we'll add a 3% charge to any money you take out. That's to cover our costs – we don't make a profit from it. The 30-day period resets exactly 30 days after your first withdrawal, rather than at the start of a new month. Your limits 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 limits 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.

To see what you're fees you'll be expected to pay, please visit the Fees & Allowances section in your app.

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.

You may need to activate your magstripe to use some foreign ATMs

If an ATM or card machine asks which account you'd like to use, we suggest picking 'credit', as it's usually the most reliable.

Was this article helpful?