Can't Top up with Debit card - no option to do so

(DC) #1

in the ‘add money’ section I dont have the option to top up via debit card;all I see is ‘Bank Transfer’ ,‘Salary’ and ‘Cheques’ . I am missing the ‘card’ icon in the top right corner of the screen; what is going on? How Do i top up with a debit card?


(Will flag Danny for cake) #2

This function is not available to new users, how long have you had the account? Think it’s hidden for those who’ve had it from prepaid days

(DC) #3

I just got my card yesterday. But i registered long ago when they were in BETA. So how do i unlock this feature? If I can’t im closing my account

(I'll flag any comment for 50p) #4

You can’t add it as it is no longer available, you will have to transfer via bank transfer.

(DC) #5

WTF!!! feel so cheated. Gonna close my account now; shame , my friends who have it can top up . thanks all for the answers

(Will flag Danny for cake) #6

Is there any reason you can’t use bank transfer?

(I'll flag any comment for 50p) #7

Ok well you can always try Starling, they love top ups by card :slight_smile:


and Monese, they also allow card top ups.

(Andy) #9

Topping up by card costs Monzo a lot of money. It’s much better to transfer money by faster payment.


Love the debit card topup option. Imo, Monzo is making a bit of a mistake chopping and changing key features, like overseas charges, debt card topups…

(I'll flag any comment for 50p) #11

Well it all costs money hence it going.

Bank transfer is free and easier or better still have your wages paid in to your account

Debit card abroad is free and easier if not use a travel card like Starling bank


I can see why these things are going. Just from a tactical point of view, it was probably a mistake to have them in the first place. Removing features is always bad press, no?


Does anyone know how much it costs them? Maybe it is worth to keep the top up option to keep some people in. After all, they will spend with their cards so will make money for Monzo, some will get overdrawn, some might use the transfer option, marketplace and so on. Telling them to go away sounds a bit reckless :face_with_raised_eyebrow:


No per topup figures though


Not cheap but it might make sense to keep it for some users to keep those users in :wink:


Compare Monese charges

Incoming EEA Consumer Debit Card transfer 0.35% of load
Incoming International Debit Card transfer 2.5% of load


Monese is way too expensive for my taste! I wonder who gets accounts with them in the UK? It must be people without credit history.:pensive:

It is kind of similar to some American prepaid cards that charge you a fortune for everything :exploding_head:


Starling bank is NOT a travel card it is a debit card just like Monzo. If you looking specifically for a card just for travel rather than a full current account you could look at WeSwap.


I would say travel with proper credit card with no fees. You will avoid the lack of acceptance drama in most places, if things go bad you can refer to S75 to argue for reimbursement.


You may say it is a fortune but to pay 0.35% for a card top up is better than not being able to!