🇺🇸 Monzo in the USA [Discussion]

I got a rejection today from the metro trying to top my metro card up.

One of the good things about the debit cards is they will work with contactless magstripe :boom:

You presumably have one of the ‘old’ current account debit cards (that look like the prepaid cards)?

As Alex says, this is one of the things that the chip in the new debit cards addresses. If you have a new card (with the new MasterCard logo :arrow_down: ), then it’s probably worth posting about this issue here, and reporting it as a bug to the CA in-app support.


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Sorry, no, when I said my debit card didn’t work I meant my regular bank
debit card, which made it fairly obvious that the problem was on the
retailer’s side rather than with my accounts. I don’t yet have a Monzo
card besides the prepaid.

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Had one issue using my monzo card in a nightclub in Miami. They said because my name wasn’t on it they couldn’t accept it. I’m sure this rule does apply to other vendors but they’ve just turned a blind eye. So got a bit lucky.

Also I can only use my card as a credit card which is frustrating because I can’t make use of the cheaper fuel options at gas stations which you get if you have a debit card.

Also can’t pay for things online on American websites e.g. subway, tickets for events.

Finally still confused about the added tipping process with the card. I’m worried my tips are not being added to my bills.

Overall though I get better rate than my mate using a caxton card, he is also limited to 6 transactions a day on that card and also has experienced other transaction issues. Monzo definitely way forward but a bit of work still required for perfection.

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Hello, I was wondering if any of you can help. I’m in the US trying to withdraw money with my monzo card, but the exchange rate is showing up as a lot lower then the master card exchange rate, theres no option to pay with GBP? What am I doing wrong, how can I withdraw using the master card exchange rate?
Thank you

The card works great, the only problem i have had is trying to use it on the monorail ticket machine, just comes up with an error on the screen, but every thing else has been fine

When you withdraw, there should be and option to be charged in dollars. It might be hidden, and you’ll probably be asked to confirm a couple of times (with confusing wording pushing you to opt for being charged in pounds). If the machine doesn’t offer an option to have your account debited in dollars, then use a different ATM. Most will have this option.


What sort of ATM was it? A major bank or a Corner store type one?

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@Godfather I just completed my guide about DCC, it’s what @jzw95 mentioned, just with more details:


Just an update. Card working very well but had two rejections in last two days.

One in cafe in Rockefeller.

One in dunkin donuts for a coffee.

Other than that… been good.

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I’ve just returned from New York. Only had one issue using my Monzo prepaid card and that was using the MTA self serve machines to try and buy an unlimited 7 day pass. I had to select ‘credit’ (not debit, an error message ‘you must select credit’ was displayed) and I did not enter a zip code when asked (I just pressed enter). It said ‘DECLINED invalid zip code’ and beeped. It didn’t print a ticket or a receipt so I tried again and same happened. Unfortunately for me it still charged me twice! I had to file a claim via the MTA website (make sure you record the machine number displayed on the front) and the amount of $66 was refunded a week later. I have since spoken to a colleague that the MTA machine DID work for him when he entered five zeros (00000) as the zip code.
Apart from that I had no other issues using my Monzo card in New York! Super happy and so much more convenient than carrying cash! I used a cash machine (Chase) and the fee was $3


When using ATM’s in the states there should be a clear instruction on the screen stating how much the transaction will cost.

Has anybody tried to use Santander machines in NYC or Boston ?

I didn’t get charged a transaction fee when using their machines previously using a Visa Debit Card.

As for DCC an airport tried to charge me 20% extra for withdrawing cash #ripoff

Hi, could you tell me if you load say pounds in the UK and then travel to the States, does your card just automatically convert to dollars when using it?


you will always (at present) load Sterling onto your Monzo card - when you are abroad and use the card you will get the MasterCard rate at the time of withdrawal / usage in POS terminal

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Anyone had any experience with the ATMs in Vegas casinos? Don’t want to get there and have a nightmare getting play money out!

In April, on a FairFX card I was withdrawing the max daily amount ($500) the casino cash machines were charging an $8.99 ($6.99 ATM fee and $2 FairFX fee) total fee for each of these transactions.

It all depends on how much you will be spending but make sure you take multiple cards, know your available limits before you go.

Unfortunately the Monzo card limits are £250 per day and no more than £1,000 in a rolling 30 day period. I will be using it as a backup card when I go in October.

Hey, the other day I had an awful time trying to buy groceries at Whole Foods (tried chip&pin and magnetic stripe). Only after maybe 5 or 6 times, the cashier made something different and it worked. Has anyone experienced something similar?

Also, at Trader’s Joe, when I insert my card it never actually asks for my pin. Is that normal?

Also, it shows on the app the figures in pounds and in dollars, and that’s pretty useful, you can always control how much you are spending.

At Trader Joes do you physically insert and withdraw your card? That is known by varying names such as ‘Chip and Dip’ and is a valid method where pin is Not required.