Yes, you absolutely can use your Monzo card when travelling abroad.
Using Your Monzo Card Internationally
Monzo is designed with travel in mind, making it a popular choice for many users venturing outside their home country. You can use your Monzo debit card to spend and withdraw money in most countries around the world.
According to Monzo, you can pay anywhere in any currency using your Monzo card, fee-free. This means you won't incur extra charges from Monzo when you use your card for purchases in foreign currencies.
When you make a payment or withdrawal abroad, Monzo uses the Mastercard exchange rate, which is widely considered a competitive rate. We pass Mastercard's exchange rate directly onto you, without sneaky fees or extra charges. This transparent approach ensures you get a fair exchange rate without hidden costs often associated with traditional banks.
Key Benefits of Using Monzo Abroad
- Fee-Free Payments: Spend in any currency worldwide without Monzo charging you fees for the transaction.
- Mastercard Exchange Rate: Benefit from competitive exchange rates provided by Mastercard, passed directly to you.
- Free Cash Withdrawals: You can also make free cash withdrawals up to a certain limit (limits apply depending on your account type and location, so it's worth checking the app for details).
Using your Monzo card abroad is typically straightforward – simply use it as you would at home, whether contactless, chip and PIN, or online.
