Monzo in Cuba 🇨🇺 [Wiki]

Work in progress!

This is a wiki crowdsourced by the Monzo Community to help you travel with Monzo.

Just like Wikipedia, anyone can edit it to help out others. If you have any tips or feedback for visiting Indonesia with Monzo, please feel free to edit this guide. You can also add a comment or question below — someone will then incorporate your comment into the main text below and then delete your comment. To create your own “Monzo in …” guide if one doesn’t already exist, just copy and paste this info into a new post and edit away!

Safe travels! :wave: :airplane:



Cuba operates a dual currency system. Visitors usually use the Cuban Convertible Peso (CUC), whereas locals use the Cuban Peso (CUP). Some shops will only give change in CUP. One CUP is worth less than one CUC. US dollars aren’t accepted as legal tender; you’ll be charged 10% commission to exchange them. Scottish and Irish bank notes cannot be exchanged.

You should not take CUC out of the country. Allow plenty of time to change any remaining CUC at the airport. You will need to show your boarding pass to change CUC. There may be limited currency available at that time so you may not be able to change all CUC you have. You should exchange CUC before you pass through immigration. CUC is not accepted in duty free shops or cafes in the departure area after immigration. It is recommended to have Euros, US or Canadian dollars for cash payments there.

Don’t change money anywhere other than at Cadeca exchange houses, large hotels or banks, due to the prevalence of forged currency. Always check transactions carefully. Where possible ask for small denomination bills. Ignore individuals offering exchange facilities to avoid queues.

Monzo users pay the Mastercard exchange rate with no added fees.


Make sure you enable the magstripe in the app before trying to withdraw cash.

Monzo is accepted in Cuba, however ATMs can be sparse and are prone to running out of cash. Most ATMs will charge their own fee.

It’s advised to take as much cash as you think you’ll need where possible, and exchange that in banks rather than withdrawing cash from ATMs. Cuba is a cash-based economy so you may get better rates exchanging pounds/euros/dollars than you do withdrawing money from ATMs

We also recommend using the Mastercard ATM locator website as a useful way to find your nearest Mastercard ATMs.

Payment and withdrawal limits

All Monzo cards have some payment and withdrawal limits. To check yours before you leave, tap “Account” under the picture of your card and then “Spending and card limits”.

Crowdsourced merchant data

Data will most likely be scant so please try and contribute relevant feedback about transactions


To edit this guide, just tap the pencil icon below. Alternatively, add a reply with your comments and someone from the community will incorporate your suggestions into the guide and then delete your comment.