Hi,
I had a monzo card in the UK and have now moved to Australia for the year.
If I put Australian dollars onto my monzo card, does this mean it is equivalent to using it in the UK and putting pounds on it? So, no charges using in shops, at ATMS or transferring money because the money has already been exchanged?
Thanks
You need to pay sterling in and it will be converted to local currency after. You might be better using an Australian neobank instead
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Monzo donât yet have a reliable way to pay non Sterling amounts into their Monzo account, but there will be no charge for you to spend using your card, or to transfer money to another U.K. bank account. You will have a ÂŁ200 per rolling 30 day fee free ATM limit, after which youâll pay an extra 3% fee for withdrawals.
As @Rat_au_van says, if you are receiving and spending in AUSD an Australian bank might be better for you.
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Keep an eye out on alt or xinja 
they are both Monzo equivalents in OZ
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Thank you so much for your help.
What if I transfer AUSD from my Australian bank account onto my Monzo?
I just like the way Monzo records spending.
Will that effectively be the same as using my Monzo card in the UK?
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Hi @anon29253675,
I donât believe you can do that.
If you have AUS, but want them in your Monzo account, youâd have to go through someone like Revolut or Transferwise.
In essence, youâd send the AUS to your Revolut AUS account, youâd then convert AUS to GBP in Revolut, finally youâd bank transfer the GBP from Revolut to Monzo.
It sounds more complicated than it is 
You can do this with Transferwise (at a small cost), and then spend from Monzo. The downside is that every time you buy something, the exchange rate will be different, which could make budgeting difficult. It could work in your favour over time, or not.
I still think itâs best to be paid locally into a local bank.
Good luck, anyway.
Hi, is it possible to create custom categories to put transactions under? For instance Iâd like to have one specifically for some transactions I spend at a particular site with a few shops and currently I have to use a random category that I donât use very often.
If not, is this something that is planned in the backlog at all?
Not yet. You can use tagging for this. Thereâs been a lot of debate around how to improve categorisation however I donât think any solutions or improvements have been fully fleshed out yet
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Ok, cheers for the info
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More info on tags https://monzo.com/blog/2018/04/12/transaction-tags/
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I have two questions! I often transfer euros to pounds and always do it outside monzo. Will it be possible to accept euro payments in monzo soon without fees?
The other question is about rewards. I currently do almost all of my spending with a credit card because I get air miles. I would much prefer to use my monzo card so I can track my spending more easily but I would miss out on too many miles that way. Do you have any plans to introduce any airline partnerships or a reward programme of some kind?
Thanks!!
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You currently can although Iâm not sure what they fees are as of yet⌠since inbound euro transfers are new they may bounce back to the sender but itâs worth a try if youâre willing:
There isnât anything in the pipeline that Iâm aware of unless Monzo know anymore, rewards tend to be a loss leader for many banks and thus itâs probably not economical for Monzo to offer them directly. A partnership could arise though their marketplace though, who knows 
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Thanks so much for the quick reply!
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We published this blog post on the 2nd July. I would say our prime objective has always been management of money, and making it work for you!
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Interestingly, we were just talking a bit about that over hereâŚ
I see Monzo as ultimately not wanting to be a bank - odd as that sounds. As banking services become commoditised, Monzo is, I think, seeking to own the relationship with the customer and become the platform - the thing that aggregates customer demand and mediates banking / financial service supply. A bit like your favourite App Store with a nicer interface and great ways of managing your money.
(Others will have different views!)
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As long ago itâs not racist, sexist or downright offensive. Youâre free to say what you want.
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Youâre on a community belonging to a bank, so free speech per se, doesnât apply in the normal terms that you are perhaps after?
For example, on the street you have the right to free speech. Itâs enshrined in law.
On a corporate website however, itâs unlikely youâd be afforded those same rights.
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what is banter?
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I think I need to work on mine 
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