# Since when did Monzo start charging for cash withdrawals in the UK?! **URL:** \ **Category:** Help\ **Created:** [26 May 2023 16:02 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100 "2023-05-26T16:02:37Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![danny\_felipe](https://avatars.discourse-cdn.com/v4/letter/d/258eb7/32.png) [@danny\_felipe](https://community.monzo.com/u/danny_felipe)\ **Post date:** [26 May 2023 16:02 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/1 "2023-05-26T16:02:37Z")
Took out some cash for a second hand item I purchased today. £320 incurred £2.70 of fees 😕 Was there a policy change recently that I missed? - this feels like the least “challenger bank” thing I’ve seen from Monzo so far… ---
**Author:** ![coffeemadman](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/coffeemadman/32/125134_2.png) [@coffeemadman](https://community.monzo.com/u/coffeemadman)\ **Post date:** [26 May 2023 16:03 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/2 "2023-05-26T16:03:48Z")
What ATM was it? Some do charge. ---
**Author:** ![RogerB](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/rogerb/32/24254_2.png) [@RogerB](https://community.monzo.com/u/RogerB)\ **Post date:** [26 May 2023 16:04 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/3 "2023-05-26T16:04:28Z")
Standard Monzo has a daily limit of £250. R- ---
**Author:** ![danny\_felipe](https://avatars.discourse-cdn.com/v4/letter/d/258eb7/32.png) [@danny\_felipe](https://community.monzo.com/u/danny_felipe)\ **Post date:** [26 May 2023 16:05 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/4 "2023-05-26T16:05:08Z")
It seems the fee is from Monzo rather than the cash machine. I checked in the app: > Withdraw up to £250 cash in the UK and EEA every 30 days ---
**Author:** ![tbutz](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/tbutz/32/95851_2.png) [@tbutz](https://community.monzo.com/u/tbutz)\ **Post date:** [26 May 2023 16:07 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/5 "2023-05-26T16:07:47Z")
If there’s a limit, it’s a limit, you wouldn’t get a fee for withdrawing more, you surely wouldn’t be able to withdraw that much. For that reason, I suspect the ATM is at fault. Is there any messaging on the cash withdrawal transaction that reveals more detail, OP? For reference, my cash withdrawal limit is £400. ---
**Author:** ![danny\_felipe](https://avatars.discourse-cdn.com/v4/letter/d/258eb7/32.png) [@danny\_felipe](https://community.monzo.com/u/danny_felipe)\ **Post date:** [26 May 2023 16:08 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/6 "2023-05-26T16:08:05Z")
Has this always been the case? - I’m sure I’ve withdrawn more before without a fee ☹ ---
**Author:** ![tbutz](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/tbutz/32/95851_2.png) [@tbutz](https://community.monzo.com/u/tbutz)\ **Post date:** [26 May 2023 16:09 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/7 "2023-05-26T16:09:38Z")
Scratch that, I clicked in and that’s my International ATM limit!! For UK there is no limit. ---
**Author:** ![danny\_felipe](https://avatars.discourse-cdn.com/v4/letter/d/258eb7/32.png) [@danny\_felipe](https://community.monzo.com/u/danny_felipe)\ **Post date:** [26 May 2023 16:09 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/8 "2023-05-26T16:09:47Z")
The message on the cash withdrawal transaction: > You were charged a fee of £2.70 because you’re over your free ATM withdrawal allowance ---
**Author:** ![HoldenCarver](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/holdencarver/32/32425_2.png) [@HoldenCarver](https://community.monzo.com/u/HoldenCarver)\ **Post date:** [26 May 2023 16:12 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/10 "2023-05-26T16:12:56Z")
> [@tbutz](#): > > you wouldn’t get a fee for withdrawing more Unless you don’t meet the conditions Monzo set down for your account being a main account, in which case they charge 3% for withdrawals over the limit. > **[We're adding two new fees, which only affect a minority of customers](https://monzo.com/blog/withdrawal-and-card-delivery-fees/)** > > For some cash withdrawals in the UK and EEA, and for delivering some replacement cards. October 2020, to answer the question in the topic. ---
**Author:** ![tbutz](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/tbutz/32/95851_2.png) [@tbutz](https://community.monzo.com/u/tbutz)\ **Post date:** [26 May 2023 16:13 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/11 "2023-05-26T16:13:36Z")
This is very confusing. I shouldn’t try and investigate limits whilst I’m trying to finish an email! Ignore my comments, I’m bowing out!! ---
**Author:** ![RogerB](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/rogerb/32/24254_2.png) [@RogerB](https://community.monzo.com/u/RogerB)\ **Post date:** [26 May 2023 16:14 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/12 "2023-05-26T16:14:06Z")
This is my allowances screen. R- ![IMG_0464](https://global.discourse-cdn.com/monzo/original/3X/6/5/65af3fef44de0c4db88f65c58d5b65a3fa8c5fb5.jpeg) ---
**Author:** ![danny\_felipe](https://avatars.discourse-cdn.com/v4/letter/d/258eb7/32.png) [@danny\_felipe](https://community.monzo.com/u/danny_felipe)\ **Post date:** [26 May 2023 16:14 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/13 "2023-05-26T16:14:51Z")
![IMG_0657](https://global.discourse-cdn.com/monzo/original/3X/5/e/5ed024e8ee196465489e146b263886dd1b8ce8e2.jpeg) ---
**Author:** ![RogerB](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/rogerb/32/24254_2.png) [@RogerB](https://community.monzo.com/u/RogerB)\ **Post date:** [26 May 2023 16:16 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/14 "2023-05-26T16:16:36Z")
Blimey. Must be a machine operator charge then. R- ---
**Author:** ![HoldenCarver](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/holdencarver/32/32425_2.png) [@HoldenCarver](https://community.monzo.com/u/HoldenCarver)\ **Post date:** [26 May 2023 16:18 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/16 "2023-05-26T16:18:11Z")
If you touch “Learn more” it breaks the allowances down further, and if it says “unlimited” next to UK, the fee was charged by the machine and not by Monzo. ---
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.monzo.com/u/phildawson)\ **Post date:** [26 May 2023 16:18 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/17 "2023-05-26T16:18:12Z")
So £120 over the £200 wouldnt that be £3.60 with 3%? 120/100\*3 Likely a maths fail on my part ---
**Author:** ![RichardL](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/richardl/32/96402_2.png) [@RichardL](https://community.monzo.com/u/RichardL)\ **Post date:** [26 May 2023 16:20 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/18 "2023-05-26T16:20:05Z")
The text at the bottom of their screenshot explains why they were charged. It was a Monzo fee. ---
**Author:** ![danny\_felipe](https://avatars.discourse-cdn.com/v4/letter/d/258eb7/32.png) [@danny\_felipe](https://community.monzo.com/u/danny_felipe)\ **Post date:** [26 May 2023 16:21 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/19 "2023-05-26T16:21:00Z")
Thanks - I had missed this. Hardly ever withdraw cash, probably the reason. Disappointing in any case. ---
**Author:** ![HoldenCarver](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/holdencarver/32/32425_2.png) [@HoldenCarver](https://community.monzo.com/u/HoldenCarver)\ **Post date:** [26 May 2023 16:22 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/20 "2023-05-26T16:22:48Z")
Just adding my own screenshots to show why I asked the question: ![Screenshot_20230526-172104](https://global.discourse-cdn.com/monzo/original/3X/f/9/f975f74efa1c3f5fad9060f525d2e01b7702b8a1.png) ![Screenshot_20230526-172130](https://global.discourse-cdn.com/monzo/original/3X/1/f/1fe827f77e00d5c9160df97707bc8e2796573f84.png) Second screenshot applies to me that I have unlimited allowance so would be no fees. But I never withdraw cash, never mind cash near the limit, so would never be in a position to test this. ETA subsequent replies would indicate that Monzo’s documentation is unclear and er, they know if 😬 > [@N26throwaway](#): > > Monzo’s explanations in app for this stuff are confusing and contradictory. It’s been complained about before, and they’re definitely aware of it, and did claim to be going away to fix it. ---
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.monzo.com/u/phildawson)\ **Post date:** [26 May 2023 16:25 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/23 "2023-05-26T16:25:17Z")
90÷100×3 = £2.70 Wouldn’t that be £230 limit? 320-230 = 90 ---
**Author:** ![RogerB](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/rogerb/32/24254_2.png) [@RogerB](https://community.monzo.com/u/RogerB)\ **Post date:** [26 May 2023 16:25 UTC](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100/24 "2023-05-26T16:25:56Z")
> [@N26throwaway](#): > > That wording is wrong. The limit is £250. Confudling ain’t it? R- [Next page](https://community.monzo.com/t/since-when-did-monzo-start-charging-for-cash-withdrawals-in-the-uk/148100.md?page=2)