Annual fee
£0
Spending abroad
Free
No foreign transaction fees
Lounge access
Not included
No Monzo fee on foreign-currency card payments (Mastercard rate). Fee-free ATM withdrawals up to £400 in a rolling 30 days in the UK and EEA — unlimited if Monzo is your main bank account — then 3%. Outside the EEA the first £200 in a rolling 30 days is free, then 3%. ATM operators may still charge.
See today's live travel money ratesUK residents 18+.
The Monzo Debit Card is free to hold and earns no rewards on spending, so it is really about the overseas proposition. On that front it does well: we measured it at practically nothing off the real exchange rate via Mastercard, which matches the best cards we have seen. I like that ATM withdrawals are fee-free up to £400 in a rolling 30 days in the UK and EEA, though outside the EEA the free allowance drops to £200 before a 3% charge kicks in, which is the genuine catch for travellers heading further afield.
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