🇨🇭 Monzo in Switzerland [Wiki]

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 Switzerland 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 this template into a new post and write away!

Safe travels! :wave: :airplane:


Switzerland uses the Swiss franc (CHF)

Card usage

In most urban areas you should be perfectly fine using your Monzo card! It is unlikely you’ll need to use your magstripe because the terminals usually support EMV for chip and pin.


You should have no worries about using your card to withdraw cash from ATMs in Switzerland.

Payment and withdrawal limits

All Monzo cards have some payment and withdrawal limits. To check yours before you leave, go to your Profile section of the app and tap on Limits.

Crowdsourced merchant data

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


Some retailers may have issues with Monzo, please report them on this wiki page as appropriate.

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.


Hi, has anyone had problems booking both online and within SSB Swiss train App? Both just say card rejected without making contact with Monzo and I’ve tried with or without registering? Thanks

1 Like

This is fixed by enabling 3D Secure in Settings -> Monzo Labs :slight_smile:

1 Like

I managed to pay via Apple Pay. Many thanks :slight_smile:

I was in Zurich recently and paid for the trains at the terminals at the station both using Apple Pay and the card using contactless with no issues.
I did get declined using Monzo once in the stadium letzigrung paying for some drinks, having been accepted 30mins earlier (went to see Ed Sheeran :slightly_smiling_face:)
Monzo worked fine everywhere

1 Like

not tried online or in SSB app but used Monzo at Zurich airport rail booking office no problems in feb this year