Monzo Card Not Working On First Bus

Is this why the Monzo fraud rate is lower than industry average? Seen a tweet saying this :joy:

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I’ve experienced similar issues with Yellow Bus and More Bus in Bournemouth.

Using my new Monzo Plus card with Apple Wallet (Apple Pay) transactions are instantly declined. Using the same card contactless works fine.

I’ve raised the issue with both Monzo and the bus companies and is being looked into by the Monzo product team.

I hope it gets resolved soon as it’s very annoying.

First bus in Bristol just declined my card using  Pay. Any ideas why?

Hi @Paulw I’m experiencing similar issues on buses in Bournemouth. Can I suggest you start a chat with Monzo and advise them of what’s happening. This is what I did - the more they know the better.

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Yellow Buses, More and First Group all use ticket machines from a company called Ticketer, so that could be the common factor here.


It didn’t work for me on a first bus in Norwich yesterday either. But worked fine everywhere else.

In Norwich I load my FirstBus app from my Monzo card and use it that way.

Hi @stevenje thank you. I will do that. I’ll post again with a response. Cheers

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I’ve also just contacted Monzo via chat about this in the hope that multiple reports will show there is an issue.


This is the reply:

Regarding the contactless terminals not working with Apple Pay, this is an issue that I have experienced personally too :disappointed:I’m afraid it is not likely to be resolved in the short term because it appears that their terminals don’t fully support Apple Pay for it to work.

I’ll have to try using my card, rather than phone to see if this is correct info.

Thanks for letting us know @Paulw - looks like I’ll be reverting back to Barclays for buses as I hardly every use my physical card, mostly Apple Pay these days.

Also, I have used my Monzo Card instead and it works - it’s just when you use it with Apple Pay there is a problem on the buses.

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I promise you it’s coming really soon. We’ve had the security installed for the new machines and we should be trialling them in the next month. The manufacturer is doing their final testing for us.

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