🇺🇸 Monzo in the USA [Discussion]

[GalaxyMergirl (Allie)]

@Angieb

I will say using my monzo was easy and it did work on the MTA to get a metro card etc.

What did you use for a ZIP code?

@Angieb

Get used to signing for pretty much all of your transactions even the big ones.

Really? That’s shocking, in Montana almost everywhere has chip. A fair number have PIN support disabled on their terminals (mostly restaurants), but in those cases they usually ask for nothing, not a signature.

@Angieb

Contactless was very hit and miss in the shops and even if the contactless would work on my card they would still require a signature. Although there seemed to be no limit to the amount that could be authorised for a contactless transaction.

The United States has no contactless-specific CVM waiver, so unlike here where no cardholder verification can be used under £30, in the US it follows the CVM processing rules always. Now, most US shops do not support online PIN, so it’ll go to signature. Also, worth noting, contactless magstripe mode (which will always go to signature) is very common. There are signature waivers available for small (depends on merchant category, but sub-$25 to $100) purchases, but many merchants don’t take advantage of them.

@Angieb

Hopefully these updates help.

Definitely, but it’d be helpful to have a list of places contactless failed at.