Declined card withdrawal at Link ATM

(Hugh) #10

I really really hope their payment network is better than their website… #infosec


It probably runs on an old Windows 3.1 PC is some dusty cupboard :joy:

(Brexit Day Is Gonna Be Shamayzing.) #12

Windows 3.1 VM on a WIN10 box :eyes:


Yet to get the new Monzo CA and debit card, so interested in what access to cash points is like?

Reports on the Starling forum are that the card is not part of the Link Network (as I understand is also the case with Monzo) and people are experiencing a number of ATMs that won’t accept the card.

Is the Monzo debit card any different in this respect?


Good question as @Johnny as I am watching monzo whilst using Starling.

(Alex Sherwood) #15

Kieran’s just reminded me about this comment from Daniel -

LINK cards in the future?
(Hugh) #16

I mean…I used a supposedly “Link only” ATM yesterday and it all went through okay?

(Patrick) #17

Me too - I used a machine that appeared to be Link only with my Starling card a few weeks back and it all went through. (It also failed to charge me the £1.99 withdrawal fee!)

I assume the way the Monzo cards work with ATMs is pretty much the same so I think it’s relevant.

(Hugh) #18

Apparently, this mean’s Starling picked up the tab!
Whenever a machine says it will charge you £x, and you don’t get charged the bank (Starling, Monzo) is paying it for you!

(Spencer Luxford) #19

I was visiting the in laws this weekend in Bacton in Norfolk for a birthday party. Before hand I had to get some money out, the only cash machine in the village was in a shop. When I attempted to use it, my card was rejected as apparently my bank is not in the LINK network! Luckily my daughters boyfriend had a Lloyds account and his card was accepted otherwise it would have been a very dry party! I assume this is a known issue and been mentioned before, but trying to spot previous topics on my phone is hard work. What is the score with this? Is Monzo in or planning to join the LINK network, as it was a MAJOR inconvenience and was lucky to have another card at hand to save the day! Cheers.

(Allie) #20

MasterCard is a major global network. There are very few ATMs in the UK not connected to the major global networks (Visa and MasterCard at least, all Amex cards have the LINK AID so they don’t need to connect direct to Amex - I don’t know about D-PAS and UnionPay support tho).

It’s unfortunate you found one but I don’t think the rare times people will encounter this would be worth the cost of membership in LINK? I don’t know how much it costs but I sure imagine it isn’t free!!!

(Brexit Day Is Gonna Be Shamayzing.) #21

That reminds me, there is a pub near me that has an old janky machine and that never took my PP card nor did the cash machine on the corner, I will try the pub one later and see if it takes my CA card as I know the corner one does now.

(Allie) #22

Out of curiosity does anyone know if Metro Bank ATMs support the LINK network? My Metro Bank card has the LINK AID, but on the LINK website, they’re only listed as a card issuer and not as an ATM operator. I’d find this quite bizarre, indeed, if their cards support LINK but their ATMs don’t!

(Tom ) #23

I mean as excuses for a pint go, this is pretty good.

(Hugh) #24

This means they are a member of LINK so your card will work at any LINK ATM. Not all members are ATM operators but all members card’s will work on any LINK ATM :slight_smile:

(Allie) #25

But is that true? It seems really odd they would issue LINK cards (and they do, mine has the LINK AID), but not connect their own ATMs to LINK. In other words, do the part that costs them money but not the part that might make them some money…

(Hugh) #26

It may well cost them quite a lot of money if their ATMs are non-standard (software/hardware) or in some other way don’t meet LINK specifications :slight_smile:


Yes it is true. They are happy to pay for LINK to increase card acceptance for their customers but not happy to pay to connect their machines which would just benefit not their customers but customers of other banks

(Brexit Day Is Gonna Be Shamayzing.) #28

No no no this is for testing purposes only :eyes:

(Allie) #29

Thanks for the explanation. My understanding was that you got paid to connect your ATMs, but that you paid when cards were used. So it made no sense to connect cards but not ATMs.

Now it makes more sense, I failed to consider there might be development costs to adding the LINK kernel. I figured all ATMs sold in the UK would be very modular and already have all the development work for LINK done.