Monzo has lots of features to make spending abroad just like spending at home (but sunnier). Pay in any currency fee-free, settle group costs, track your budget, and freeze cards from anywhere.
Why spending abroad feels better with Monzo
Calculating exchange rates, juggling cash, spotting hidden costs, and staying on budget can make spending overseas a bit of a puzzle. Monzo does the maths for you, so you can have a break from money talk. No surprise fees, no awkward debates over bills, and no worries if your card goes missing.
UK residents only. Ts&Cs apply.
Pay abroad fee-free
Monzo passes Mastercard’s exchange rate directly on to you without extra charges, so you can say goodbye, adios, au revoir, and arrivederci to sneaky fees and extra charges.
Split and track running costs for group trips
Track how much everyone owes and settle up in seconds with Monzo Split. They'll even send the awkward reminders, so you won't end up paying for your pal's lobster and champagne when you only had chips.
See exchange rates in the app
Understand exactly what you're spending with real-time exchange rates in the app. No surprises when you check your bank balance, and no confusion about that coffee costing 400 rupees.
Free cash withdrawals
If Monzo's your main bank account, you can make unlimited fee-free withdrawals in the European Economic Area (EEA) and up to £200 every 30 days everywhere else. EEAsy as that.
Protect your money on the fly
Freeze your Monzo card from anywhere in a few taps if it goes missing, or unfreeze it if it turns up in the hotel safe. You can speak to Monzo 24/7 in-app if you're worried about security or have any questions.
Set money aside for your next trip
Put your holiday money into a Pot and keep it apart from your main balance. You can even hide or lock it so you don't spend it on takeaways before you leave.
Planning your next trip? Watch your Monzo Pot grow with automatic roundups, putting your spare change to work every time you spend. From morning coffees to Friday night takeaways, every little spend gets you closer to your next getaway — without even thinking about it.
