🇳🇴 Monzo in Norway [Discussion]

Ill be travelling to Norway next week and taking my Monzo card, as will a colleague.
Norway is fast becoming a cashless society, and are a national of heavy card users. I’ve not taken cash with me for at least 5 years, and used cards to pay for everything including a single chocolate bar!
Will try to use Monzo in all sorts of circumstances and report back findings. :slight_smile:


Remember to take another card and some cash as s backup. Monzo is still a beta after all. Enjoy the trip though :wink:

Thanks Josh. Always bring other cards, but will try Monzo first. Not taken cash to Norway for last 5 years. They are truly moving towards being a cashless society! :slight_smile:

1 Like

Sounds like my sort of place. I hate cash and change. Much prefer using electronic payment. Quicker easier and safer.

1 Like

Well, the trip to Norway was pretty uneventful, in terms of any issues or challenges for Monzo… I used Monzo exclusively and it worked in:

  1. Flytoget airport train both directions - including adding as a card on the website for e-Receipt.
  2. Taxis in Bergen and Fornebu, Oslo
  3. Topping up internal Canteen paycard
  4. Bars, restaurants & hotels.
  5. Included was an initial top-up before I left UK, and an ~“in-situ” emergency top-up prior to paying for a colleague’s meal, who’s own CC had ironically been declined.

Alll my flights and hotels were pre-paid on other cards before leaving, so not chance for a really high value transaction - largest was about 550 NOK (£55ish).

Unfortunately Norway is not yet fully established with Contactless terminals, so very few, if any, contactless were performed.

What I forgot to do was try the contactless chocolate machine in the offices, and also try a purchase on any flights (meals & coffees were complimentary which is unusual in this day & age, even for budget flights!),

It was nice to see the authorisations appearing instantaneously and being marked as “to be cleared later” etc.

I think showing the PEM (contact, contactless) symbol on purchases would be nice.

As these are all work expenses - I still want to “Flag” them as an Expense, but keep the original category (food, transport etc.) for ease of reporting.

I tagged each with the receipts… Would be ideal to interface to the likes of Expesify and upload them straight off.


1 Like

Great feedback! I’m sure the extra detail will be really useful for other Monzo users.

If anyone wants to comment on this suggestion -

please carry on this conversation -

or this suggestion -

here -

& lastly, this suggestion

here -

Yep, agree with identifying contactless transactions, ePOS, etc with different icons or symbols


:facepalm: your vote for that feature is going to be lost in this thread, which is about travelling with Monzo in Norway, see my previous comment.

Already commented in the other thread :blush:

1 Like

I’m going to Norway in January for 3 months; I’ve just signed up for Monzo as it sounds like it’ll be useful with no exchange fees. Hoping my card will get here in time though. Thanks for this post :slight_smile:

if you don’t get your card top up invite within 2 weeks from sign up you need to be emailing help@Monzo.com or getting in touch with twitter account @monzo- It is usually about 2 days after paying your initial top up amount that you get your card - it does sometimes slip through the net though - so get in touch if you’re outside these rough timescales

I’ve just come back from a long weekend in Oslo and only used my Monzo card and a bit of cash that I took as a backup and didn’t want to bring home with me.

I used the card for pretty much anything - coffee :coffee:, supermarkets, airport, restaurants shops, even the Reuter app :bullettrain_front: to buy tickets for public transport all worked fine. The Reuter app seemed to take a long time to accept the payment, but that may have been the app. I used both contactless and chip&pin without any problems.

Funnily, my ‘mainstream’ bank card got blocked while I was over there because I tried paying a large amount of money through PayPal (unrelated to me being abroad).
Glad I had my :mondo: to rely on! :tada::tada::tada:


Just adding my two cents to update you all.

Three of us went to Norway this past June. All of us had Monzo. Were there for 10 days on a roadtrip. So we went everywhere from Bergen to the middle of absolutely nowhere! We used Monzo for the whole trip. Not once did weekend to take out cash or need coin.

Absolutely brilliant!


I’ve been back to Norway too - in June, and once again can report good usage of Monzo - and no cash required. :slight_smile:

Just come back from a trip to Norway and used the Monzo card without any problems. They do not use contactless but the chip and pin worked perfectly.

Also, got a good exchange rate!

1 Like

Many places use Contactless, but uptake is sluggish as the Visa/Mastercard equivalent charges for contactless.

1 Like

When buying Flytoget train tickets, would you have to enable the magswipe feature for Monzo to work if you buy a ticket by swiping at one of the ticket barriers?

I don’t recall doing anything special… Magstripe was read OK and flytoget charged to Monzo OK.
But not sure of there was an android feature to disable / enable magstripe usage in those days.
This is swiping at the flytoget barriers, not ticket purchase.
Oh, the magstripe option in Monzo is specifically magstripe ATMs so I guess magstripe initiated (not magstripe fallback from chip terminal) is ok for POS?

1 Like

A post was merged into an existing topic: The Debit Card

Sounds like they have ticket machines as well which is a standard chip and PIN terminal then. Thanks for the info (and raising the point that the magstripe switch in app is for ATMs, overlooked that!) :blush: