Short answer: No.
Slightly longer: In general Monzo’s mastercard should be as widely accepted as any other mastercard. However, Germany is generally much more cash based than the UK, so you may need some cash, although that’s getting better as this thread shows, particularly in big cities such as Berlin. Either way, there really shouldn’t be any difference between your Barclays and your Monzo card in this regard, although the former is most likely Visa, while Monzo is mastercard, but in Germany I have never encountered a shop that accepts the one but not the other.
It converts automatically. Nothing else for you to do.
- You do not pay any fees for purchases.
- You do not pay for cash withdrawals abroad up to £200 in any 30 day period.
- For any cash withdrawals above that you pay a 3% fee.
Do you think you’ll need more than £200 in cash during that time? Then consider Starling, as they have no fees at all.
There are no fees for contactless payments (just like there are no fees for contact payments). However, contactless payments aren’t really a thing in Germany, as far as I know (I don’t usually even try, so again that may have changed, but when my parents saw me pay for something contactless a couple of years ago in the UK they were like “What magic is this?!”).
One more thing: In Germany it’s still fairly common to hand your card to the cashier, so that they then insert the card into the machine. Freaks me out these days…
Finally ALWAYS insist on being billed to your card in Euros. Don’t let the ATM/card reader do the conversion for you. If the ATM/card reader do the conversion for you, you essentially pay a fee to them (not Monzo).