I visited Romania recently for a week and had mixed success with Monzo.
None of the ATMs I tried in various cities/towns seemed to accept my Monzo card.
Every machine said the card was declined
I’d receive a notification on the Monzo app that it had been declined
Every pin/chip machine (POS machines in restaurants/bars) I tried did accept my Monzo card
I contacted support at the time and got the response that sometimes ATMs work off the magnetic stripe rather than the pin/chip so that could well be the reason? I’m not sure. Anywho, I thought I’d share this for anyone going to Romania soon!