To be honest, I think this poll needs more than those 3 options.
Like why didn’t you ask for ideas and then put the ideas for vote? Because I unless a new poll is started all the ideas will be useless.
If there was an option 4, my option would be a simple one:
For those who use the Current Account like a proper account, ie Salary in and use it day to day in the UK. they get the perks of Monzo which include the free ATM withdrawals aboard for travel.
To ensure no abuse, there must be a salary threshold (say £1,000) a month at least in the UK before the perk is available, and it’s limited up to a number of transactions (say 10 Withdrawals a year MAX or something). Once threshold for usage is hit, charge them the costs like normal. For those who don’t hit the salary threshold also just charge them base costs.
Rest assured I know there may be some use cases where people can’t hit a Salary of £1,000 a month, and they properly wouldnt be going aboard with that level of income UNLESS they are students in which case just allow a valid Student Card to automatically qualify them (ie Student Account for X years).
This whole conversation and poll seems to be founded on the fact that a lot of people took out a Monzo card with the sole purpose to use it for Travel and not as a Bank Account. Those users aren’t playing fairly and they know it and reading some of the comments where they threaten to leave if the charges come in, all I say is good - please do move on. The problem you now have is there was a nice Perk for us Monzo users to use when on holiday which is effectively getting taken away because a select group of people abused the system while not actually intending to be banking customers.
There’s no such thing as a free lunch. People need to realise this. Monzo is NOT in the business of money travel cards but to be a bank account.
I wish there was a way you could keep the service for those who play fair, are legit banking customers and only use it occasionally.