Unable to pay for airline ticket with Monzo card

I had to buy a ticket with Swiss Air and it asked me to either pay with Credit card (Visa, Mastercard, etc) or with Debit card (Maestro, etc). I selected credit card because the Monzo card says Mastercard on it but it told me it was the wrong type of card. So I tried debit card with Maestro and it said it was not a Maestro card.

So I could not actually pay with my Monzo card :man_shrugging:

In the end I used a back-up credit card I have.

1 Like

MasterCard debit card rather than credit is the option to use


I’ve looked, that isn’t an option.

I think this is an acceptance issue of some kind, and can only be answered by someone from Monzo who can offer some insight of what’s going on on a technical level?

As for the OP, @RelaxWithDax - I think your best port of call might be to report this using the in app chat and see if they can investigate and get you an answer quicker that way.

1 Like

Looks like it’s been an issue for a few years:

1 Like

It’s probably safer to buy things like airline tickets on credit card because of the extra refund protection you get.

1 Like

I’ll flag this up with acceptance to take a look at! :slightly_smiling_face:


Sure, but I don’t have a local credit card yet and it costs me to use my overseas card.

1 Like

Cold comfort, but this looks like a problem with the retailer rather than Monzo, to be honest. If they don’t take MasterCard debit cards then they’re ruling out a lot of the market. Seems like a weird decision on their part…


Agreed. This isn’t Monzo. It would affect anyone with a Mastercard debit card.

It’s Swiss being… well, annoying.


I’m currently working in the Netherlands and have encountered a number of places that don’t accept MasterCard debit or credit. I’ve just been to a major supermarket and they won’t take MasterCard, Visa or Amex. They say Maestro don’t charge a transaction fee, so it’s all they’ll accept.

I don’t consider it a Monzo issue, but just a quirk of the country not liking MasterCard.

1 Like

I’m amazed by this. How can they get away with this in this day and age :joy::eyes:

Your probably used to thinking you can use card everywhere but the reality is different when you include the rest of the world.

Oh no, that wasn’t my trail of thought at all :open_mouth:. In my mind Netherlands and Switzerland are very much like the UK and are geographically in mainland Europe, I would have presumed they’d be very much similar to the UK when it comes to card acceptance. Maybe I thought wrong :eyes:

It varies widely. Germany for example as far as I’m aware basically did away with cheques but cheques are still widely used in places like the US, UK, and France. Chip and pin has all but taken over in the UK but not in the US. And the US dollar is for all intent the universal currency, not debit card or credit or anything else but good old USD.

We do tend to live in a little bit of a bubble , but most places do.

1 Like

I know this might not be of too much help, but as Swiss is a member of Star Alliance if you really wanted to use your Monzo Card you could purchase the ticket for the same flight via another star alliance partner like Lufthansa or Austrian.


As others have said, this isn’t a Monzo-specific issue. The same applies at Costco fuel stations - they accept Amex credit cards and Visa or Maestro debit cards (no debit Mastercard acceptance). Very annoying!


The ticket has to cost £100 or more for that to apply.


Because in some parts of Europe Maestro and VPay (Eurozone only I think) are the dominant electronic payment providers. They’re an order of magnitude cheaper than Mastercard or Visa for merchants so outside of tourist areas there’s no interest in supporting the Visa and Mastercard. Same reason many merchants in the UK don’t support Amex - the fees are higher than Visa and Mastercard.

1 Like

Costco fuel take any debit cards and amex, used my monzo card there plenty.


Really? I’ve definitely had a debit Mastercard refused and their signage specifically has Maestro rather than MasterCard. I’ll try again!

1 Like