The Monzo Current Account Preview

[jzw95]

There’s a separate thread discussing the ATM language and fee messages when using the current account cards.

@jrmurray86

it might be because it doesn’t fully recognise the card number but I’m not 100% sure how it decides when to present the screen

@Rjevski

I think it’s just based on the card’s BIN (bank identification number - the first 4/6 digits of your card number) - ATM operators whitelist local BINs and anything not in there automatically gets the language prompt and extra fee warning

Neither of these are quite right. It is apparently because ATM operators assume a MasterCard is foreign or a credit card, since until now there have been no few UK-issued MasterCard debit cards.

ATM Language / Charge Message

A quick update based on my most recent report in-app about the cash advance fee message. Apparently have determined that the cash advance message commonly appears at ATMs because to date most MasterCards used at ATMs in the UK are from abroad. So I guess ATM operators just see a MasterCard and display the message, regardless of what the BIN is. Monzo are working to get this resolved. So might not be worth reporting every instance of this message in-app, as it is being addressed.

If anyone has any further info on this issue, it would be great to add it to that thread.