Had one issue using my monzo card in a nightclub in Miami. They said because my name wasn’t on it they couldn’t accept it. I’m sure this rule does apply to other vendors but they’ve just turned a blind eye. So got a bit lucky.
Also I can only use my card as a credit card which is frustrating because I can’t make use of the cheaper fuel options at gas stations which you get if you have a debit card.
Also can’t pay for things online on American websites e.g. subway, tickets for events.
Finally still confused about the added tipping process with the card. I’m worried my tips are not being added to my bills.
Overall though I get better rate than my mate using a caxton card, he is also limited to 6 transactions a day on that card and also has experienced other transaction issues. Monzo definitely way forward but a bit of work still required for perfection.