🇩🇪 Monzo in Germany [Wiki]


This is a wiki crowdsourced by the Monzo Community to help you travel with Monzo.

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Safe travels! :wave: :airplane:


Euro, €, EUR

Card usage

Many retail stores, especially restaurants, will not have card machines.

A very small number of stores might only accept “electronic cash” cards (https://en.wikipedia.org/wiki/Electronic_cash) but not MasterCard debit cards.

Frankfurt’s transport ticket machines do not seem to accept any kind of credit or debit card - only EC card

Transport ticket machines in Munich accept most foreign credit/ debit cards without issues- this applies to s-bahn (train), tram tickets etc.
Anywhere with a card machine will now probably accept the Monzo card. The card goes through fine at supermarkets (a change from 2017 when this was an issue)

Anywhere outside of the cities in small shops and restaurants it’s always good to keep cash on hand just in case.


Always remember to reject the rate the ATM offers you (DCC). No additional charges for ATMs.

Payment and withdrawal limits

Crowdsourced merchant data


As a travel tip, everywhere in Berlin wants you to pay in cash. It’s just a cultural thing.

Card acceptance is really good in Munich and Stuttgart but some restaurants only accept cash, even in touristy areas like the main street.

For drivers, ‘pay at pump’ is mostly non existent, take at least a little emergency cash for fuel.

Transport tickets purchased often have to be validated before travel and on the first journey you have to “punch in” the time you start at the machines on the tram/ platform.

To edit this guide, just tap the pencil icon below. Alternatively, add a reply with your comments and someone from the community will incorporate your suggestions into the guide and then delete your comment.

(James) #2

I have used my monzo debit card on Frankfurt transport system with no problem, however, the default card payment option is Visa Pay, you’ll need to choose the ‘other’ card option

(Matthew Davies) #3

Just used extensively in Munich including s-bahn ticket machines with no issues at all. Had both contactless and PIN number transactions.

(jonathanlking) #4

I tried to use my Monzo card for a contactless payment at a “PENNY” (appears to be a supermarket chain similar to Aldi) in Berlin. It got declined, but didn’t show up on my Monzo feed and when I showed a NatWest Visa debit card the cashier communicated that I needed to use cash. It was interesting to see everyone in front paying by cash as it’s rare to see people paying by cash at supermarkets in London.

(Allie) #5

They probably only take German cards, this used to be very common in Germany, though it’s been a few years since I was there.


I had a similar experience at a PENNY in Berlin (Alexanderplatz?)

Like most of the public transport ticket machines I encountered they only accept EC cards (which as I understand it is an internal German debit card system that doesn’t involve Visa/MasterCard).


This is, sadly, still very common. Mastercard and visa cards exist mostly as credit cards, in Germany, and are not widespread. Thus there is little incentive for shops to accept them. Although it is undoubtedly getting better!

(Allie) #8

It’s sad to see this huge problem for visitors to Germany is still unresolved :frowning:

(David cook) #9

Hi. I have been in Berlin for two days and have not found anywhere that did not accept my Monzo yet. Though I am on a current account. Bvg (the U trains) the wall museum and a couple of restaurants have all taken it without any difficulties.

(Simon Pooley) #10

Similarly the only place in Leipzig where my Monzo (and all other UK credit and debit cards) was refused was a PENNY store. Monzo card was happily accepted at Petrol stations, restaurants, fast-food outlets, Leipzig S-Bahn and tram ticket machines, tourist attractions and the supermarkets: REWE, Lidl and Kaufland

(Paul Sanders) #11

Hi All,

I have just got back from a weekend in Munich, and have to say the Monzo card was pretty much accepted everywhere I went!

Bars, pubs, clubs (I was on a stag do… hence the lack of culture haha).

Only issue I had was using some of the cash machines. When attempting to draw out some money from the odd ATM, I would get an error (in German) before it asked me any questions (or even my pin). Following advice from the Monzo team on twitter, enabling the Mag strip from within the app solved the problem.

I am off to Hamburg in a couple of weeks… so will see how that goes.

(Calum James) #12

Did most of those places support contactless/Apple Pay/Android Pay?

(Paul Sanders) #13

Everywhere I tried used contactless, without any issues.

I haven’t been able to get Android Pay and Monzo working in the UK yet… so didnt give it a go while over there.


If you haven’t (and I am sure you have) make sure you turn on the NFC on your phone. If you phone does not have NEC the Google Pay app won’t work. I have used Google Pay with Monzo so I know it works. Perhaps try uninstalling and reinstalling? Enjoy Hamburg, it is a great place.


My experience of using Visa and MasterCard in East Germany wasn’t great. Some places would only accept Maestro and nothing else. Not great. I don’t even remember when was the last time I saw Maestro card in the wild :thinking:

(Allie) #16

Wow how Germany has changed. Almost everywhere takes MasterCard now, I only had one shop - a small bakery - outright refuse and say local debit cards only. Even major electronics chains now take it (always seemed the odd ones to refuse major cards, but they did, cuz Germany).

The only bad experience I had was at Ritter Sport in Berlin where they refused to allow me to use Google Pay saying management told them to only accept ‘actual cards’.

(George B) #17

My experience with the train ticket machines is that sometimes the ones that ask you to insert your card for chip and pin don’t accept, but the ones that allow contactless always do. This might be the card readers being dodgy rather than a specific Monzo problem, though.

(Ian) #18

In Berlin, cards are accepted on public transport but not at independent traders such as food courts in the shopping malls

(Alex) #19

Just came back from a weekend in Berlin.

Overall point, absolutely shocking how few places took card. Bars, restaurants, shops - just seems farcical compared to London or anywhere else I’ve travelled to abroad recently (America excluded).

But echoing some of the stuff said above, I had a couple of places which just refused to take English cards. I wasn’t sure in the first one if the guy was refusing, or the card machine genuinely wasn’t set up to do so, but even encountered this in a DHL/Deutschepost shop.

Was very confusing as I thought if you signed up to visa or mastercard, you had to take all their cards. I take it this isn’t actually the case?