I imagine everyone already knows what this app is, essentially a pre-paid card that syncs every purchase instantly with your phone. Excellent exchange rates if you're planning on travelling.
Usually there's a waiting list that takes around a week. Simply go on the link and type in the email address you want to register. You can use an email address you already have on a waiting list to instantly move it up.
Sorry if this is already on here. I could only find the golden ticket referral scheme, which has expired.
for me, metro bank is a better option and you don't have to pay a £100 "fee" with them either.
and yes, I know you get it back ..
even a basic account with metro will give you a contactless debit card.
J1135 to HankHandsome
12 Aug 17#2
There is no "Fee" its the initial loading of £100 that you can either withdraw or spend wherever you want, stop scaremongering.
I'm more than happy with mine and I've used and abused it on holiday a fair amount. The app is great and gives a good break down of spending.
There were issues when I was on holiday and was unable to withdraw using the card, had to use a different one. When the issues were fixed I informed them of the exchange rate difference and foreign currency fee's I had incurred, all refunded without a question. So the customer service is there too :smile:
I'd happily recommend Monzo, not sure it should be a deal tho?
HankHandsome to J1135
12 Aug 17#4
.. which is why i acknowledged that with the word "fee" in quotes.
i know it's not a "fee" but many people who are interested in a second account might not necessarily have £100 to put in to it initially - I know I didn't and that's why i opened an account at metro.
danfr to HankHandsome
12 Aug 17#6
the hundred pounds can be spent straight away, or withdrawn from a cash point.
what is the metro card anyway, is it just a normal bank account with a contactless debit card?
I think you miss the point of the monzo card.
HankHandsome to danfr
12 Aug 17#7
I'm not missing anything.
If you're on a limited income, you might not have £100 just laying around to deposit into an account for a day or two, or for however long it takes for the card to be delivered to your house.
metro bank is just that - a bank. the account i opened was a normal basic bank account with a contactless debit card.
danfr to HankHandsome
12 Aug 17#15
This just proves again that you have missed the point.
Bragging about having a contactless card doesn't mean you get the point.
HankHandsome to danfr
12 Aug 17#16
ah whatever, i'm not "bragging" about anything but if it floats your boat then believe whatever you want to believe ..
saintscouple to HankHandsome
13 Aug 17#26
But the metro basic bank account doesn't let you use your contactless debit card abroad, and this thread is about a card to use abroad, which makes your post irrelevant to the subject in question. The virgin essential account from virgin money is also a basic bank account, with just an id check, again you get a contactless debit card, but they allow you to use it abroad - within the eu there are zero fees using the mastercard base rate (same as monzo) but there is a charge for atm withdrawals (unlike monzo which is free). I have both cards, using the virgin card is a backup. Fortunately i had no problems with the monzo card, and loved the way the app updates after each transaction and sent a notification to my gear fit 2. I would recommend monzo to anyone, it is really good.
J1135 to HankHandsome
12 Aug 17#12
The idea behind this isn't just a contactless debit card, it's the Exchange rate and fee Free transactions for travel spending.
I must add, loading to it is nigh on instant as well :smile: So not as if you need to leave a load of money on it. I was loading to card and taking cash from cashpoint abroad within minutes.
Good idea if you plan traveelign tho just stick a little cash on it every now and again for a nice boost to ya holiday spendings :smile:
dannystorm to HankHandsome
13 Aug 17#50
This is a holiday card it's clear to see from the comments. Maybe it's not a "deal" but a great, innovative company nonetheless.
P.S. When you're going on holiday, load your spending money onto here. And if you don't have £100 spending money for a holiday, don't go on holiday
Northerndave to J1135
13 Aug 17#56
If I mentioned at at present until a fully fledged current account is launched, the money on your card is not protected by the government’s official Financial Services Compensation Scheme would you class that as scaremongering too ?
Just so people are fully aware, that this is not risk proof
bobmccluckie to Northerndave
13 Aug 17#60
Neither is Revolut
f2k8 to HankHandsome
13 Aug 17#24
Hey, not trying to sound rude here, but does Metro let you freeze the card from your phone with ease? I've currently got a Monzo card and used it for a trip to Barcelona and it was fantastic, but if Monzo were to crash and burn I'd look for an alternative. One of the best things about the Monzo card was that I would leave it 'Frozen' on the app, and only un-freeze it when making a transaction, making losing the card no risk at all. Also, what's the update on transactions like? Is it instant like Monzo? This really helps in some of countries where they try to add an extra 0 on to a transaction due to the currency exchange hoping they'll get away with it, but Monzo will put a notification through as soon as you press 'Pay'..
whorlow
12 Aug 17#3
Currently in Indonesia, monzo completely changes the dynamics of money. It's also very easy to send your mates request for money when you pay for items too. Very easy to use
loopz
12 Aug 17#5
Congrats on your first post. Don't be put off by the neg-heads
S.c.0.TT.y
12 Aug 17#8
I used it on holiday recently and worked a treat.
Just need to initially load it with £100, which was not an issue.
Wouldn't go on holiday without it again!
bircher123
12 Aug 17#9
This is a great card which proved to be very good for Our recent Holliday. Had no problems with it and when I got back I just used the rest of the money left on the card like a normal Visa card. Would definitely recommend for anyone going away on holiday as good exchange rate and you don't get charged to then withdraw any cash left on the card when you get home. I got mine via the Martin Lewis website and it arrived within two days.
jackvdbuk
12 Aug 17#10
This is miles better than metro. Monzo is international free transactions and ATMs and the send money feature is awesome.
Metro is a hit on your credit report and only Europe! No where near the same level imo.
alien7 to jackvdbuk
13 Aug 17#19
Exactly. I had a Metro card and I was charged for a cash withdrawal from an ATM in one of the East European countries (not part of the EU)! Use Monzo (or Revolut) and you'll save a lot of £££ when you travel abroad. Voted HOT!!
Marky264
12 Aug 17#11
Great post, Welcome to the HUKD Don't take notice of the negative thread spoiling posts. I'm with Monzo & Love It. Can track in real time what I've spent & Is great for using abroad. They're also rolling out a Current Account as we speak for those that get Monzo & Will be Upgraded for free.
No Fee's at all here so don't be spoofed people.
bombproofduck
12 Aug 17#13
Is this the same as Revolut? Anyone know which is better?
So it really doesn't charge you anything when using it abroad? I got a post office travel card last time I went travelling but it charged me every time I used it so I just ended up using my bank card as the fees were the same.
AnkitTanna to bombproofduck
12 Aug 17#14
Yes, it is same as Revolut. I can't commnet which is better as I have used only Monzo.
Also, It does not charge any fee while using it abroad in any currency (swipe, cash withdrawal, online shopping). Exchange rate you get as mentioned on the MasterCard website.
I have been using Monzo for couple of months and I love it...
reabo101 to bombproofduck
13 Aug 17#46
Pretty much the same, I use both. But recently just stuck with RevoLUT. The rates are better as you get the interbank rate. Monzo you get the mastercard rate which is the same or worse than revoult.
Seems Monzo is more popular, but over all I feel Revolut is better. It holds more currency too. The card looks better and the app much feels better over all. I used it as my main card now, very good fo budgetting and seeing where you money goes!
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Opening post
Usually there's a waiting list that takes around a week. Simply go on the link and type in the email address you want to register. You can use an email address you already have on a waiting list to instantly move it up.
Sorry if this is already on here. I could only find the golden ticket referral scheme, which has expired.
monzo.com/mon…rt/
All comments (72)
and yes, I know you get it back ..
even a basic account with metro will give you a contactless debit card.
I'm more than happy with mine and I've used and abused it on holiday a fair amount. The app is great and gives a good break down of spending.
There were issues when I was on holiday and was unable to withdraw using the card, had to use a different one. When the issues were fixed I informed them of the exchange rate difference and foreign currency fee's I had incurred, all refunded without a question. So the customer service is there too :smile:
I'd happily recommend Monzo, not sure it should be a deal tho?
i know it's not a "fee" but many people who are interested in a second account might not necessarily have £100 to put in to it initially - I know I didn't and that's why i opened an account at metro.
what is the metro card anyway, is it just a normal bank account with a contactless debit card?
I think you miss the point of the monzo card.
If you're on a limited income, you might not have £100 just laying around to deposit into an account for a day or two, or for however long it takes for the card to be delivered to your house.
metro bank is just that - a bank. the account i opened was a normal basic bank account with a contactless debit card.
Bragging about having a contactless card doesn't mean you get the point.
The virgin essential account from virgin money is also a basic bank account, with just an id check, again you get a contactless debit card, but they allow you to use it abroad - within the eu there are zero fees using the mastercard base rate (same as monzo) but there is a charge for atm withdrawals (unlike monzo which is free).
I have both cards, using the virgin card is a backup.
Fortunately i had no problems with the monzo card, and loved the way the app updates after each transaction and sent a notification to my gear fit 2.
I would recommend monzo to anyone, it is really good.
I must add, loading to it is nigh on instant as well :smile: So not as if you need to leave a load of money on it.
I was loading to card and taking cash from cashpoint abroad within minutes.
Good idea if you plan traveelign tho just stick a little cash on it every now and again for a nice boost to ya holiday spendings :smile:
P.S. When you're going on holiday, load your spending money onto here. And if you don't have £100 spending money for a holiday, don't go on holiday
Just so people are fully aware, that this is not risk proof
I've currently got a Monzo card and used it for a trip to Barcelona and it was fantastic, but if Monzo were to crash and burn I'd look for an alternative. One of the best things about the Monzo card was that I would leave it 'Frozen' on the app, and only un-freeze it when making a transaction, making losing the card no risk at all. Also, what's the update on transactions like? Is it instant like Monzo? This really helps in some of countries where they try to add an extra 0 on to a transaction due to the currency exchange hoping they'll get away with it, but Monzo will put a notification through as soon as you press 'Pay'..
Just need to initially load it with £100, which was not an issue.
Wouldn't go on holiday without it again!
Our recent Holliday. Had no problems with it and when I got back I just used the rest of the money left on the card like a normal Visa card. Would definitely recommend for anyone going away on holiday as good exchange rate and you don't get charged to then withdraw any cash left on the card when you get home. I got mine via the Martin Lewis website and it arrived within two days.
Metro is a hit on your credit report and only Europe! No where near the same level imo.
Use Monzo (or Revolut) and you'll save a lot of £££ when you travel abroad.
Voted HOT!!
No Fee's at all here so don't be spoofed people.
So it really doesn't charge you anything when using it abroad? I got a post office travel card last time I went travelling but it charged me every time I used it so I just ended up using my bank card as the fees were the same.
Also, It does not charge any fee while using it abroad in any currency (swipe, cash withdrawal, online shopping). Exchange rate you get as mentioned on the MasterCard website.
I have been using Monzo for couple of months and I love it...
Seems Monzo is more popular, but over all I feel Revolut is better. It holds more currency too. The card looks better and the app much feels better over all. I used it as my main card now, very good fo budgetting and seeing where you money goes!