Please explain a monzo card like im and idiot

[JacknDiane]

How do you use a monzo card abroad, i mean where does the money cone from? Do you need to put money into your monzo account, is it like a normal bank account you put money in from another account then you use monzo card like a debit card?

Yes i am dim. Please explain simply, thanks

Sometimes, as with all bank cards, it can occasionally want you to put the card in and use the pin.

But for them to say We don’t take Monzo is likely to be incorrect as what they are then saying is they don’t accept any back using Mastercard products. That would mean they don’t accept Lloyds, Santander, NatWest, Virgin.

A Monzo is Mastercard, as the other poster also pointed out.

The TUI issue is completely separate and nothing to do with what happened to you at bingo. That is all about their outdated offline payment systems that can’t verify the card as they, wrongly, recognise it as a prepaid card.

He doesn't need to transfer you his holiday money and you transfer back - Monzo's 'pot' functionality basically ringfences whatever cash you have in the pot so it's not in your main account (and therefore if someone nicks his card, can't be spent). He can transfer from his own pot to his main account and as when he needs it very easily in seconds on the app, you don't need to get involved.

Also, either your son is old enough and sensible enough to travel alone OR he needs his mum micromanaging his finances. It shouldn't be both. Let him work it out.

Someone else has explained this to you. It’s like saying I have a Santander visa, and someone saying “we don’t take Santander.”

Monzo is a Mastercard. No different from any other bank. One or two airlines maybe haven’t updated their software to recognise it, but anywhere else that takes Mastercard will take a Monzo card.

If your son is old enough to travel surely hes old enough to research all this himself? He doesnt need a parent overbearing and micromanaging in this way, especially one who doesnt seem to understand basics about how the world works. Let him crack on and figure out how to be an adult himself.

My DS has had Monzo as his only bank for the past 10 years. He has never had any trouble in the UK or abroad with either Monzo card or Apple
Pay. I don’t understand why other people are having problems.

It doesn’t need explaining to me. I understand. I’m just saying my experience 🤷‍♀️

I also have problems in some places with my Monzo card being declined (on a machine) even when funds in place. It shouldn’t be different to any other bank but it is (and frustrating)

This is what I do on holiday.

I put all my money in a pot and just transfer a small amount each day.

He would need to do this himself though.

I use Starling abroad. It has a slightly higher daily limit than Monzo, I just transfer my money across from my Lloyd's account at the start of the trip and that's it.

Sometimes Monzo works on a TUI flight, it's not supposed to be accepted though.

https://www.tui.co.uk/destinations/faq/airport-flights-and-luggage/onboard-your-flight/how-can-i-pay-for-things-that-i-buy-onboard-tui-flights

I have no idea why Monzo is segregated by TUI, as if it isn't a Mastercard debit like any other. But it seems that now they officially accept it 😄