Monzo in the USA - 2

I have just returned from a 3 week trip to America and thought I would let you all know how the monzo card worked as it’s a popular destination.

I used the card on numerous occasions in restaurants, bars, shops and had no issues at all. contactless/swipe/chip and pin. America are catching up and a lot of places now have chip and pin, or “the chip” as they call it.

It was maybe used one too many times at Dunkin donuts :speak_no_evil:There was no problems with my card not having a name on it.

As promised by the monzo team I received the MasterCard exchange rate each time. It’s a shame the rate wasn’t great but that can’t be helped.

Nyc subway -

the card will not work in the machines, believe it’s a mag stripe issue. They do however take the fee from your card (quickly resolved by in app support) :+1:t2:and the grumpy guy at the station counter wouldn’t take a card payment so had to use cash.

Restaurants -

As I think has been mentioned before using a card in the USA is a bit different. They charge your card for the bill and then after you add the tip it’s run again for the total value. The original transaction is then refunded a few days later. In order to keep my mondo balance at it’s best I paid tips in cash which avoided the 2 charges.


I tried the majority of the big banks for cash withdrawals. Citibank, td, Bank of America, Wells Fargo etc etc. All wish to charge a withdrawal fee of between $3 and $5. Nothing mondo can do about this and all Americans pay this fee unless they withdraw from their own bank or have an upgraded account.

petrol stations.

I used the card at a brand called Stewart’s which accepted the card for pay at the pump. Another couple i tried didn’t, it’s no problem I just went in and paid with the card and they authorise the pump for that amount. They then run a 2nd payment with the actual amount if less and refund the original in a day or so. A bit like the restaurant.

All in all the card worked great, not one complaint. Even left it in a restaurant one night :flushed::flushed: simple solution I froze the card till I picked it up the next day.

Hope this is of some help to you all.

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See original ‘Monzo in the US’ post for comments about Travel in America and post further comments there to avoid two separate threads on USA


Thanks for letting us know, I’m off to the US soon and imagined the mag stripe issue would be a concern, it’s nice to know they are going “chip”!


Mag strip is fine in the shops etc it’s only the ATMs and ticket machines that seem to be a problem :+1:t2::+1:t2: