Using UK Monzo in USA


I’ve been able to use my Monzo card at shops and restaurants, but any online transactions get declined. Is there something I can do to let them know it’s me?


You shouldn’t have an issue trying to use your card online, have you tried contacting CS to see if they can investigate this, there may be an issue unrelated to you being in USA.

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It’s also possible that the American websites you are trying to use don’t process transactions through a Secure Customer Authentication (SCA) compliant version of 3D Secure, as U.K. and EU cards are required to use. This would mean that, because the retailer isn’t set up for it, your card gets declined instead of going through the 3D Secure process.