Maybe I missed where its written clearly in black and white on the international payments, and the fees involved. It vaguely says, Monzo will add some extra charges on top of Wise, but no mention of exact figures or percentages etc.
You canât use something that doesnât exist so thatâs a pretty straightforward lesson!
To summarise:
You can use Wise directly, Wise through the Monzo app or someone else entirely. If you chose either of the first two youâre best off asking Wise about how they manage things, what numbers they report and what banks they use since itâs their system and not Monzoâs.
On the reception of funds, Monzo donât support international transfers so youâll need to look elsewhere.
I think thereâs not much more that can be said here so maybe @AlanDoe might want to close this as itâs run itâs course.
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There are some potential for innovation and improvements. So asking.
The fee quoted in app when you send a transfer includes the Monzo fee
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But for that, I will need to transfer money into Monzo first and then see if I like the fees. If I donât transfer money back to old bank account. Thatâs not the best way of working. Ideally the fees should be known upfront.
Slightly harsh. No ones making judgements of the services offered, just telling you whatâs available since thatâs what you asked.
Edit. Whoops! Crossed over with another comment.
Nice. I didnât know you could do that. Btw, how much does Monzo add on top of Wise?
@phineas maybe you do have ÂŁ100m, else no wonder you have so much free time for chit chat 
As far as I know, and provided that you compare the transfer types on a like for like basis (ie: the same service), there is no extra, Monzoâs fees comes out of Wiseâs (although Iâll stand corrected if thatâs wrong)
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The exact reason why I donât have ÂŁ100m is because I spend so much time with chit chat
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I donât mind paying little extra to Monzo, however for me source traceability is important.
As it has been suggested, and at the risk of beating a dead horse, your best shout to find that out would be to contact Monzo (or Wise), directly.
I must admit, I have not seen any bank making available the âroutingâ banks of international transfers though, it seems to be (in my somewhat limited experience with Wise, Lloyds and Barclays), a fairly opaque process.
Opaque to the naked eye, anyway, Iâve never enquired about it, I must admit.
Edit: as far as GBP USD, Wise is usually instantaneous, and if I recall correctly, they donât technically send your money through intermediaries, but instead âmatch itâ with a similar payment in the other direction. They used to do that anyway, maybe things have changed with the scale of Wise itself though.
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For inbound international transfers we have no way of knowing which banks it will pass through, it depends on so many different factors that itâs impossible to predict.
We donât support inbound international transfers, we havenât since launch and although weâve always wanted to I donât believe that itâs work weâre currently prioritising.
If itâs a transfer in the the SEPA area then it should work, but we donât guarantee it and we canât provide support if the transfer doesnât work.
We recommend all customers use Wise to both send and receive payments internationally.
You canât make an outbound international payment directly with Monzo, and if you want to know about specific routing details with Wise then youâd have to ask them. Iâm not sure whether thatâs something that they can, or would, provide.
There are other banks out there that provide a better international transfer experience. If youâre going to regularly be making and receiving international payments then Iâd recommend using those. As mentioned above Wise offer an account which gives you your own account details, and is competitively priced.
Starling also, AFAIK, offer international transfer support but I have no idea what the fees are.
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