Is anyone having issues with card readers scratching the coating on the Monzo Premium cards?
Heres an example of mine after 1 or 2 chip and pin inserts due to the app telling me I need to use my Pin
Iāve used mine in the machine twice and it still looks pristine!
Also is that a grey card, not a white one? Or is the lighting tricking me
Lighting probably tricked the camera and threw the white balance off.
I used mine in several Greek ATMās last week and not a single mark on the card so far.
This photo is after it was used in the second ATM:
I need to #getalife
For those of you paying for a metal card, what is an acceptable period of time after which you donāt mind if it gets marked?
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Iād say 6-12 months of ATM use for me.
If I accidentally drop/scratch it and marks result from such heinous acts, then thatās my issue.
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Hope you didnāt get cash out with that atm they give really bad rates
Can you please clarify how my posts were received as ārudeā (and which one of the 2, or maybe both)?
Maybe itās a tone thing, maybe itās me not quite getting it. Looking forward to a sincere clarification.
Quickly checking forum conduct document.
Ignore all that rubbish 
- possible interpretation issue recognised & resolved.
Perhaps they misunderstood the #getalife bit. Thatās the only thing I can see that someone might construe as rude. Else your posts seem fine to me. 
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Yeah, it was ā¬3.75 for the pleasure of using it. Not the worst ATM charge in the EU Iāve experienced though.
Ah, thanks. Iāll edit to clarify.
@Jays6 - does the post read OK now?
I thought it was the āmockingā about heinous
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I think this is why weāre not supposed to read into tone! 
I donāt see why heinous would be an issue though since it was used in the context of dropping the card, not putting it in a card machine! Though if it were me Iād squirm at the prospect of either, Iād want it to be pristine forever. It killed me a little the first time I dropped my N26 Metal card and scuffed the corner. 
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I was nervous shoving the card into the ATM the first time. But relieved with the lack-of-damage.
Less nervous the second time and proper-confident the third time.
But there is always one machine out there waiting to chew up a card - and even worse - eat it and not return it [cough] 50 quid [cough]
EDIT: [cough] 30 quid [cough]
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Good argument here for the ability to have a spare plastic card that can be used for the purposes of feeding ATMs.
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I believe Monzo have in their T&Cs if your card gets retained by an ATM they will replace for free
On one handā¦ ATM losses are covered, but not the āinternational card delivery feeā if you are overseas:
So what if you are overseas with a metal card chewed by an ATM (which isnāt Monzoās fault) then?:
Looks like it could be Ā£80 to replace in total?
Would the Premium Travel Insurance cover this?
Clarificaion needed.
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6months+
My brain is telling me 1-2Years but realistically I say 6 months average with atm uses or swiping
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Thatās interesting, I would take it that the Tās and Cās are the definitive rule here, and so the only chargeable events are āLosing your metal card, or it gets stolenā.
The Premium terms say that if thereās any contradiction in terms vs the Standard, the Premium terms apply. Soā¦
- They never charge for replacements when: card expires, is faulty, eaten by an ATM.
- They will charge Ā£50 for: Loss of card, it getting stolen.
Any scenario in between, I assume they wonāt charge for as it isnāt listed in the terms.
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