# Card rejected at ATMs **URL:** \ **Category:** Help\ **Created:** [22 September 2019 15:49 UTC](https://community.monzo.com/t/card-rejected-at-atms/80516 "2019-09-22T15:49:46Z")\ **Posts on this page:** 12\ **Page:** 1
**Author:** ![anon30218644](https://avatars.discourse-cdn.com/v4/letter/a/8dc957/32.png) [@anon30218644](https://community.monzo.com/u/anon30218644)\ **Post date:** [22 September 2019 15:49 UTC](https://community.monzo.com/t/card-rejected-at-atms/80516/1 "2019-09-22T15:49:46Z")
My card keeps getting rejected when trying to withdraw cash at ATMs. I live very close to a Post Office and a Co-op both with ATMs and sometimes they accept my card, sometimes they don’t. Yesterday in my city centre I had to try four banks before I found a HSBC ATM that accepted my card. It seems to have gotten worse since Monzo’s recent ad campaigns and I’m wondering if it’s a concerted effort by the big banks to push back against the new players? If so, how can we counter this? ---
**Author:** ![anon99402360](https://avatars.discourse-cdn.com/v4/letter/a/5e9695/32.png) [@anon99402360](https://community.monzo.com/u/anon99402360)\ **Post date:** [22 September 2019 15:52 UTC](https://community.monzo.com/t/card-rejected-at-atms/80516/2 "2019-09-22T15:52:11Z")
ATMs have to support Mastercard otherwise they won’t work. Monzo also doesn’t support the Post Office. If neither of these are applicable to you it sounds like you need a new card. ---
**Author:** ![ijihuh](https://avatars.discourse-cdn.com/v4/letter/i/51bf81/32.png) [@ijihuh](https://community.monzo.com/u/ijihuh)\ **Post date:** [22 September 2019 16:25 UTC](https://community.monzo.com/t/card-rejected-at-atms/80516/3 "2019-09-22T16:25:44Z")
The reason you are getting declined may be tied to the reason that most High St Banks are connected to LINK (a UK ATM network) however Monzo isn’t connected to LINK and use Mastercard to process ATM transactions. A thing to remember is to look for a MasterCard logo (it’s the 2 rings on the front of your card at the bottom right) in front of an ATM, if said ATM has the logo then you can use it. ---
**Author:** ![ntaylor3](https://avatars.discourse-cdn.com/v4/letter/n/a6a055/32.png) [@ntaylor3](https://community.monzo.com/u/ntaylor3)\ **Post date:** [22 September 2019 16:29 UTC](https://community.monzo.com/t/card-rejected-at-atms/80516/4 "2019-09-22T16:29:55Z")
If it’s an intermittent issue as described, I can’t see it being the Link/Mastercard issue. A given machine should either always work or never work. And a bank ATM should always have Mastercard support. Definitely sounds like a card fault. ---
**Author:** ![Anarchist](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/anarchist/32/27895_2.png) [@Anarchist](https://community.monzo.com/u/Anarchist)\ **Post date:** [22 September 2019 19:43 UTC](https://community.monzo.com/t/card-rejected-at-atms/80516/5 "2019-09-22T19:43:51Z")
> [@ntaylor3](#): > > If it’s an intermittent issue as described, I can’t see it being the Link/Mastercard issue. I had intermittent card problems a while ago. The solution for me was a replacement card. ---
**Author:** ![Chapuys](https://avatars.discourse-cdn.com/v4/letter/c/e9a140/32.png) [@Chapuys](https://community.monzo.com/u/Chapuys)\ **Post date:** [22 September 2019 19:57 UTC](https://community.monzo.com/t/card-rejected-at-atms/80516/6 "2019-09-22T19:57:16Z")
Monzo are not part of LINK as described above. ATM’s from the Cooperative Bank (not from Coop Food) do not work with Monzo as they are LINK only and not linked to Mastercard. A few ATM’s in Manchester city centre (in and around the Arndale by the Coop Bank branch/HQ) refuse Monzo due to Coop Banks issue. Some private fee ATM’s are also LINK only like Coop Bank. The vast majority of ATM’s overall do allow MasterCard. Best to check MasterCards ATM locator and then report it as a card issue if a MasterCard allowed ATM doesn’t work. [https://www.mastercard.co.uk/en-gb/consumers/get-support/locate-an-atm.html](https://www.mastercard.co.uk/en-gb/consumers/get-support/locate-an-atm.html) ---
**Author:** ![Drew58](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/drew58/32/61892_2.png) [@Drew58](https://community.monzo.com/u/Drew58)\ **Post date:** [22 September 2019 22:54 UTC](https://community.monzo.com/t/card-rejected-at-atms/80516/7 "2019-09-22T22:54:47Z")
How strange as every Co-op ATM I have encountered in the North west has had a MasterCard symbol. ---
**Author:** ![anon30218644](https://avatars.discourse-cdn.com/v4/letter/a/8dc957/32.png) [@anon30218644](https://community.monzo.com/u/anon30218644)\ **Post date:** [23 September 2019 03:52 UTC](https://community.monzo.com/t/card-rejected-at-atms/80516/8 "2019-09-23T03:52:59Z")
Thanks for your replies ---
**Author:** ![Chapuys](https://avatars.discourse-cdn.com/v4/letter/c/e9a140/32.png) [@Chapuys](https://community.monzo.com/u/Chapuys)\ **Post date:** [23 September 2019 18:52 UTC](https://community.monzo.com/t/card-rejected-at-atms/80516/10 "2019-09-23T18:52:22Z")
The ones I see clearly only say LINK and Visa so if they are being updated I would be interested to see where they are. Are you sure you are not thinking of Coop Food whose ATM’s are not supplied by Coop Bank anymore but a private ATM provider? ![IMG_0509](https://global.discourse-cdn.com/monzo/original/3X/b/2/b2b93866bc937aed6e6aecb2ee34b1d06285a1fe.png) ---
**Author:** ![anon30218644](https://avatars.discourse-cdn.com/v4/letter/a/8dc957/32.png) [@anon30218644](https://community.monzo.com/u/anon30218644)\ **Post date:** [24 September 2019 08:21 UTC](https://community.monzo.com/t/card-rejected-at-atms/80516/11 "2019-09-24T08:21:25Z")
I’m not sure it’s outside my local coop shop and says coop on it. I’ve ordered a new card anyway let’s see if that helps. thanks ---
**Author:** ![Chapuys](https://avatars.discourse-cdn.com/v4/letter/c/e9a140/32.png) [@Chapuys](https://community.monzo.com/u/Chapuys)\ **Post date:** [24 September 2019 17:36 UTC](https://community.monzo.com/t/card-rejected-at-atms/80516/12 "2019-09-24T17:36:42Z")
As I said, shops owned by the Co-op Group (so Co-Op Food shops) do not use Co-op Bank for their ATM’s. They switched a few years ago to a private ATM provider when the Co-op Group lost control of the bank. Therefore MasterCard should work in Coop Food stores but not via the Coop bank ATMs. Let us know when you get your new card if it works! > **[Co-operative Group dispenses with bank's ATM contract six months early](https://www.thisismoney.co.uk/money/news/article-2845413/Co-operative-Group-dispenses-bank-s-ATM-contract-six-months-early.html)** > > The Co-op will pay off the Co-operative Bank to bring its current contract to an end before it expires at the end of next year. ---
**Author:** ![anon30218644](https://avatars.discourse-cdn.com/v4/letter/a/8dc957/32.png) [@anon30218644](https://community.monzo.com/u/anon30218644)\ **Post date:** [24 September 2019 20:51 UTC](https://community.monzo.com/t/card-rejected-at-atms/80516/13 "2019-09-24T20:51:10Z")
Oh right great that’s good to know. Thanks for your help