🇧🇪 Monzo in Belgium [Discussion]

(Mark) #1

I’ve just signed up to Monzo & am driving to Bruges at the end of the month but don’t see a travelling topic for Belgium.

I assume there won’t be any issues using the card, but was curious about any fees or anything unexpected I should be aware of?

:belgium: Monzo in Belgium [Wiki]
(Jan Breens) #2

I go to Belgium at least once a month (Belgian, living in the UK). Never had a problem with my card there.


Just back from Brussels and Bruges and no issues (bar last Sunday’s outage). Most shops/bars seemed to have min spend limits so useful to carry a bit of cash

(Gus) #4

Hi, I’ve only just received my card (last Tuesday) and the following day rode my motorcycle to Belgium, looking forward to trying out Monzo.
The first petrol station in Belgium I tried - transaction refused
The second petrol station - transaction refused
Ok, no big deal, I had another card, but I was a bit perplexed
On arriving at my destination and booting up my tablet, I found Monzo had messaged me to explain why my card had been declined - apparently the auto payment machines in Belgium tried to pre-approve a charge of £110.30 - so, even though I only wanted to buy around 25 Euro of fuel, the transaction was over my spend limit.
Ho Hum !
Sadly I didn’t get another opportunity to use my Monzo card on this trip, but we’re going back in September - older and wiser

(Bob) #5

Pay at pumps is a known issue and applies to all prepay cards. If you have the option to pay at kiosk it should work with Chip & PIN, and also contactless if within the limit.

(Gus) #6

Cheers Bob, It’s not an issue I’d come across before, and there was no kiosk option available at the two places I tried.
At least the communication from Monzo via the App explained exactly what the problem was

(Nick Munton ) #7

I had no problem using an ATM to withdraw cash at a Belfius Bank, and I’ve used the card at a Carrefour supermarket and a chocolate shop in Bruges.


Card acceptance in Belgium is wide spread, and apart from the odd exception, all shops accept MasterCard (and Monzo). There will usually be a minimum spend, between 10-25EUROS for card use. So always good to have some cash for buying bread etc

I have not come across any ATM where Monzo is not accepted.


Seamless experience as usual whilst in Brussels this weekend just gone for the beer festival, contactless worked everywhere and didn’t encounter any minimum spend bother (lowest transaction was €3). Only took out €50 cash for :beer: tokens, before realising there was a much shorter queue for card payments :man_facepalming:t3: definitely recommend going though if you’re a fan of the Belgian tipples.

(Dan) #10

I was also in Brussels a few weeks ago and had exactly the same seamless experience. Paid mostly with contactless and also took out some Euros.
No problems anywhere with the card, even when making small transactions. Very satisfied traveller.

(Jill Hayes) #11

Went to Bruges for a long weekend via a P&O mini cruise. Had no problems anywhere, even on the ferry when were mid-North sea…even the contactless worked perfectly.


Corespondence from Mastercard Europe:

“As you note in other markets we have ensured the acceptance of Debit Mastercard along side that of Maestro, and this is the plan for The Netherlands (and Belgium) to bring consistency to the global acceptance of our cards. We are working with our partner banks who issue cards, and acquirers who enable retailers to accept payments, to make this change as quickly as possible. We thank you for your patience while we get there.”

Source: Monzo in the Netherlands thread