This is a wiki crowdsourced by the Monzo Community to help you travel with Monzo.
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Euro, €, EUR
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.
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