Using an Under 16s Monzo card abroad
You can use the card anywhere Mastercard is accepted, fee-free. We pass Mastercard’s exchange rate directly on to you, without hidden fees or mark-ups, and we won’t block the card if it’s used abroad.
Cash withdrawals abroad
Under-16s have the same allowance as adults — €300 fee-free every 30 days. A 2.5% fee applies once the allowance is used.
Things to remember
Spending limits stay the same abroad as in Ireland
ATMs may charge their own fees, which we don’t receive
Always choose to pay or withdraw in local currency to avoid ATM mark-ups
Only the parent or guardian can review or change these limits.To check or adjust them:
Open the Under-16s account in your Monzo app
Tap the three dots on your child’s card
Select Spending limits
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