Issue: Unable to withdraw cash from cashpoint when the note denomination is not available
Details to reproduce:
Go to a cashpoint with no £10 available
Choose £10 (or multiple of £10) Expected result:
Cash machine gives me the message ‘Please choose multiples of £20’ Actual Result
Cash machine returns card with no explanation OS: NA Device: NA App Version: NA
(If there's the wrong end of a stick, you'll find me holding it.)
Is that a Monzo issue? I’d expect that the ATM operators have control over the messages which appear on their screens.
Just a guess, but that could explain the different messaging. Different card types may be treated differently. As others have said it’s very unlikely to be a Monzo issue as they have no control over ATMs.
It’s possible that this is the difference between accessing a cash machine with the LINK app (which will be on the Barclays card, but not on the Monzo one) versus accessing a cash machine with a Mastercard/Visa app. In the early days of Monzo there were significant messaging issues on ATMs because the Monzo card doesn’t support LINK:
They also often only offered much higher withdrawal amounts by default:
And forced you to get a receipt with your withdrawal:
All this is to say, that it very well might be a ‘Monzo’ issue in that Monzo cards don’t use LINK like the vast majority of bank cards in the UK. And this lack of a suitable message might be a remnant of the way Mastercard/Visa cards were treated by ATMs. Whatever software this one is running must not provide a suitable message for non-LINK cards.
The issue is more likely Not given the option to choose a different amount when note denomination is not available. I can see how problematic this would be, as when your card gets spat out, you have no way of knowing that it would work if you put it in and chose a different amount to withdraw.
I suspect this doesn’t apply to all ATMs. It would help if you could report who operates the ATM you tried to use. I wonder if @bamesjerry might be able to provide insight, as he dealt with the ATM messaging issues previously. Emailing firstname.lastname@example.org might also be worthwhile.
The EMV kernels for each card type (Visa debit and Mastercard debit) are different pieces of software, so maybe in an error state this particular machine produces a different error ie. none for Mastercard and a specific error for the Visa. Just a thought.