Testing so far… Laos is of course a cash economy, cards are barely useable as day to day spending… Thats any cards not only Monzo. ATMs also seem temperamental and ‘iffy’ eg one machine asked for how much I wanted, said OK, spat the card back and sat there with no indication if money was coming or not !! Again this isnt a Monzo thing.
Each ATM I have used successfully has charged 20,000 kip.
My Hotel which is card enabled and bills in USD is adding 2.5% ‘credit card fee’ to the bill. I am going to try to speak to the french manager to see if that applies to ‘debit cards’ also but I doubt they see the difference.
I am burning through my monthly 1000 GBP and intend to pull cash for the hotel in a few days. So those cash limits are really small when travelling and needing cash. Not really useable for travel like that.