Can I use Monzo in Thailand?

Yes, you can use your Monzo card in Thailand for fee-free spending and good exchange rates, but always carry some Thai Baht cash as it's essential for markets/taxis, and be aware that Thai ATMs charge a significant local fee (around 220 baht) for withdrawals, even with Monzo's favourable rates.

Does Monzo charge in Thailand?

The good news is that Monzo does indeed work in Thailand! As part of its international capabilities, Monzo allows users to make purchases abroad without incurring hefty fees.

Is Monzo or Revolut better in Thailand?

Is Monzo or Revolut better for spending abroad? Monzo doesn't charge foreign transaction fees for spending abroad on your debit card. For Revolut customers, spending abroad is free up to a certain amount based on your plan, after which you will be charged 0.5%-1%. All currency exchanges on weekends incur a 1% fee.

Is Monzo a good travel card for Thailand?

We use Monzo on a daily basis, both as Chip & Pin and contactless - Mainly in Phuket and Bangkok, but also other cities. Restaurant, hotels, 7/11 etc. Smaller restaurant might add a 3% charge. Never had a problem.

What is the best card to use in Thailand?

Visa and Mastercard are definitely the most widely accepted debit card networks in Thailand. Travelers with these cards benefit from accessible and convenient payments and cash withdrawals. Before traveling to Thailand, check if your debit card is affiliated with one of these major networks.

How to Use Monzo Abroad (2026)

Is it better to have cash or card in Thailand?

You'll definitely want to carry cash with you. Here's why: Street food stalls, taxis, markets, and smaller shops are usually cash only. Some restaurants and bars accept cards but may add a 3% fee.

Can Thai people use Monzo?

If your Monzo card is a Visa or MasterCard branded debit or credit card, then yes it can be used in Thailand. But card acceptance is limited to bigger businesses (mid sized hotels, bigger restaurants, gas stations, big box stores, etc). Cash is still king with small businesses, bars, mom & pop cafes, etc.

Do I get charged if I use Monzo abroad?

You can use your Monzo card to pay anywhere in any currency, fee-free. We pass Mastercard's exchange rate directly on to you, without sneaky fees or extra charges. We won't block your card if we see you using it in a different country.

What is the best way to pay in Thailand?

Physical cash, the Baht, is still very common, especially at street markets and for transport. E-wallets like TrueMoney and Rabbit LINE Pay are also popular for convenience store payments, bill payments, and transportation.

What fees does Monzo charge for currency exchange?

But when you spend money abroad with Monzo, we use the Mastercard exchange rate with nothing on top. This means you can use Monzo to spend in any currency, without any extra fees or charges from us.

What is safer, Monzo or Revolut?

Monzo is a fully regulated bank, while Revolut is still transitioning to full banking status. Monzo offers FSCS protection up to £85,000, but Revolut e-money accounts are not covered. Revolut excels in multi-currency and global payments, while Monzo offers more traditional banking features.

Do I need to inform Monzo I'm going abroad?

Some banks ask you to let them know if you're going to spend abroad so they don't block your card for suspicious activity. You can usually do this online or via your banking app. Monzo's the bank made for travel, so you don't need to worry about telling us if you're overseas.

Is Monzo good for international travel?

Yes, Monzo is generally very good for using abroad due to fee-free spending in any currency (using Mastercard's rate) and free ATM withdrawals within a monthly allowance, making it great for travel, though users should know about cash limits and always choose the local currency for purchases to avoid merchant markups.

Is Monzo good for Thailand?

I use a Monzo account for travelling, it's perfect - had no issues with transferring money and using it abroad.

How much does Monzo charge to withdraw cash in Thailand?

Make free cash withdrawals abroad

If Monzo's your main bank account, make unlimited fee-free withdrawals in the European Economic Area (EEA), and up to £200 every 30 days anywhere else. After that, we'll charge 3%.

Does Thailand mostly use cash?

Cash is the preferred method of payment for most Thai people, so using an ATM to make withdrawals can be a convenient option for travellers. To help you find the most convenient ATMs close to where you're staying in Thailand, check out these online locators: Mastercard ATM locator.