For those of us not the best at maths, could you explain as well as show the working? 
£320 with a limit of £230 would mean £90 over the threshold.
3% of 90 is £2.70
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Yeah will do.
Re: calculation, if the limit is £250 then indeed 3% of £70 would be £2.10
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It’s complicated.
The wording you see depends on the type of account you have, so the small text takes the most conservative limit (in my case £600), and then when you open the learn more bit you can see how this is split UK vs overseas.
It’s definitely not at clean as it could be, but at the moment it does show you the information that’s least likely to end up with you being charged a fee.
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Interested to know how given what the OP has stated so far, you would jump straight to a complaint?
A little heavy handed, no?
Personally, I’d just ask support what’s happened, and then go from there.
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Im confused where does it say £250?
It clearly says £200 as the threshold not £250
If they took out £320.
With £200 its £120 over.
With £250 its £70 over.
So thats either £3.60 or £2.10 at 3%
If its £230 then thats 90 and matches the £2.70 fee
So has the OP been done over by 60p, or has saved £1.50? Or the limit is weirdly £230 and the text description is wrong showing £200.
Hold up.
£5,500 - £5,160 = £340
£20 is already taken this last 30 days.
£320 this time around:
£230 fee free, as £20 already taken within past 30 days.
£90 - 3% = £2.70.
The fee is correct?
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Bear with, I haven’t worked frontline for a while so I’m drawing this up from the depths of my memory.
There’s a rolling 30 day fee free limit, so, if you’ve withdrawn from an ATM in the 30 days prior to this, then it’ll count towards your limit.
@Carlo1460 has explained it just as I was away to figure it out
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I just double checked, blimey.
Not sure where the £200 is from (if you could link me @phildawson I’ll raise it internally) but the website confirms £250
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Yeah that’s right. I thought I was going mad.
The fee is correct. 
It says £200 in the card limits section of the app.
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Cheers, I’ll figure out the best place to see that gets fixed!
Just checked the linked fees information from the app and it’s definitely £250 
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Yeah and @Carlo1460 investigation is correct in that they have actually taken £340 not £320 due to a previous £20.
£340-250=£90
£2.70 is 3% of £90
So its a case of nothing to see here.
Apart from the app should be showing £250 and Monzo need to make that more prominent imo
Above Daily it could have a line saying “Fee free” with it counting down from £250.
And then with it much clearer that 3% is charged above that over threshold within the 30 days
Maybe even a x days until it resets.
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It shows £200 because of this.
The limit is £200 outside the EEA, £250 in the EEA. The fee information confirms that. The text shows the most conservative limit.
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You guys spot you can tap UK & EEA ATM and it shows a bit more?
Also if you tap the top right folderish icon it goes the to fees bit which may list it.
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Oh holy fu*k why didn’t they just add those into the previous screen. Why hide that info away its the critical bit you want to know. Couldn’t it just look like this:
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Literally nobody would have clicked that icon unless out of curiosity clicking everything.
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Yeah, this is really confusing. I’ve just dug around in my limits and getting lots of different info.
Is it Unlimited, £400, or £200 (or £250)?
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All Monzo Customers have a daily withdrawal limit of £400, this is unrelated to fees and is a hard limit for how much you can withdraw in one day. These can be increased at request.
If you are a Plus or Premium Member or you qualify for our higher limits you benefit from unlimited fee free withdrawals in the UK see below:
You also get to benefit from a higher fee free withdrawal allowance outside the UK but not unlimited.
Hopefully this clears everything up?
I agree that the messages in those screenshots are misleading.
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