I’d hazard a guess and this is probably a LINK ATM & Monzo aren’t part of the LINK network in the UK.
This is why crowdsourcing a map from past successful Monzo ATM transactions would be such a great way to use that data to help everyone. But I guess it costs Monzo every time you use an ATM, so they’d rather not encourage it.
You should of changed over your money before you left like most people do but I hope you get it sorted before the end of the day!
The problem is, that is still what so many people do. It’s the same with travel insurance, the number of people who travel abroad with no insurance is rather unsurprising, surprising.
The last time I went to Amsterdam, I took Euros and a pre-loaded amount on my WeSwap card and I got by fine. My recent visit to the USA, I took my Starling debit card which I used for almost every single purchase, but I still took dollars as back up and my AMEX credit card. Hindsight is a wonderful thing, but I absolutely agree, it really isn’t advisable to visit another country with just one means of payment.
There isn’t really any need to do this anymore if you use monzo. You get the MasterCard exchange rate when using chip and pin or contactless with no markup.
Safer than taking cash with you.
Fee-free cash abroad has been one of Monzo’s main selling points for ages.
I couldn’t agree more, but even I noticed the last time I was in the Netherlands, Maestro is more widely accepted. I admit, when I actually had a WeSwap card, which is a Mastercard, I had no issues using it at Schiphol McDonalds for instance, but I never used it in an ATM.
Yes I know that but what’s that got to do with what I said? If she would of taken cash with her as well as the card she wouldn’t have been in this problem.
Whilst I don’t disagree, this isn’t a perfect world and something has gone wrong here, hence why it’s always a good idea to have a back up.
Ultimately monzo allow up to £200 in withdrawals every 30 days while abroad, you are over this no so you can’t withdraw anymore on the card.
It may have been a mistake but that isn’t monzos fault it is yours as bad as that sounds they can’t be there to make sure you don’t mess up a transaction.
So ultimately you are over the £200 limit for being overseas that is set by monzo it will be 30 days until you can make more withdrawals overseas. This info is easily accessible in the app so monzo aren’t at fault. Mistakes happen yeah but they don’t have to fix your mistakes.
My advice would be.
- Carry back up cash in local currency.
- Carry a second card for withdrawals and emergencies.
- Pay extra attention using overseas ATMs and read them carefully, most have an English option and if not use Google translate or similar to help.
- Call monzo and see if they can help as it’s a genuine mistake, but don’t expect too much.
- Find a descent bureau de change and exchange the £200 into euro you may end up a bit out of pocket but at least you will have useable cash while your away.
- Learn from the mistake.
I hope you get sorted though one way or another. Be safe.
Either way its not really monzos fault. There is plenty of travel advice out there for money.
not entirely right , you can still withdraw money from an ATM above £200 , there will be a 3% charge for doing it though
Fair one it still ain’t monzos fault though that she was ill prepared to travel .
I agree , without wanting to blame the OP for the ATM simply spitting out £200 of its free will 
I agree , without being privy to the OP conversation with the Cop it is difficult to see why Monzo would now be blanking her @anon77734705 not sure if you’re working today or @simonb could maybe look into it ???
Yeah true but most people who have travelled know that when using foreign ATMs you need to read them very carefully and only accept the withdrawal once you are completely happy it’s right.
And always carry more than one payment method with you just in case.
Not saying that monzos customer service isn’t bad we all know that it is at the moment there is plenty said about that on here.
But she still should have been better prepared.
Probably the usual, they have staff who pick up tickets that come in, but from a previous post these people are temp day staff, pass anything complicated onto second line who we all know are completely backlogged.
The best option seems likely to be keep calling them until someone picks up and dont let them go.
Sure but that’s not the issue. Monzo has apparently blocked their card and are now ignoring them because they cant handle their support queue.
If anything this goes to show monzo need to take a serious look at customer services as at the moment it’s pretty terrible by all accounts.