Monzo Cash Withdrawal Limit 2026: UK and Abroad Fees

Last Updated – 02-09-2026

Monzo personal accounts commonly have a £400 daily ATM withdrawal limit, although the exact limit displayed in the customer’s app is the one that applies. This daily cap is separate from Monzo’s fee-free cash withdrawal allowance.

Free-account customers who do not use Monzo as their main bank can withdraw £400 fee-free in the UK and European Economic Area every rolling 30 days.

Main-bank customers and holders of Extra, Plus, Premium, Perks or Max receive unlimited fee-free withdrawals in the UK and EEA, although their daily ATM limit still applies.

Outside the EEA, fee-free allowances range from £200 to £600 per rolling 30 days. Monzo normally charges 3% on withdrawals above the applicable allowance.

What Is the Monzo Cash Withdrawal Limit in 2026?

Customers need to understand the difference between the daily ATM limit and the fee-free withdrawal allowance.

The daily ATM limit controls how much cash can be withdrawn during one day. Monzo’s current personal-account information uses £400 as its example, but limits can be based on the individual customer. Therefore, the figure shown in the app should always be treated as authoritative.

The fee-free allowance controls how much cash can be withdrawn before Monzo applies its 3% fee. It depends on the account plan, whether Monzo qualifies as the customer’s main bank and where the ATM is located.

Unlimited fee-free withdrawals do not mean an unlimited amount can be taken from an ATM in one day. The daily account limit, available balance and any restrictions imposed by the ATM operator still apply.

What Are the Monzo ATM Allowances for Each Account?

The following withdrawal allowances apply to Monzo personal accounts as of September 2026:

Extra, Perks and Max are Monzo’s current paid personal plans. Plus and Premium are legacy plans that some existing customers continue to hold, so their allowances remain relevant.

The advertised prices of Perks, Max and Max Family increased for new customers on 13 August 2026. Customers who joined before that date move to the new price on their first regular billing date on or after 14 October 2026.

These figures are Monzo’s allowances. An individual cash machine may have a lower transaction limit or apply its own fee.

How Does Monzo Decide Whether It Is a Customer’s Main Bank?

Receiving a salary into Monzo is not the only way to qualify as a main-bank customer. At least one of Monzo’s qualifying conditions must be met.

Monzo currently treats a Free account as a main bank when:

• At least £500 has been paid into a Monzo account in the customer’s name during the previous rolling 35 days, with at least one active Direct Debit on the same account during that period.
• A Department for Work and Pensions or Department for Communities payment has been received during the previous rolling 35 days.
• A student loan payment has been received during the previous rolling eight months.
• The customer shares a Monzo Joint Account with someone who meets at least one of these conditions.

Qualifying main-bank customers receive unlimited fee-free withdrawals in the UK and EEA. However, the £200 allowance outside the EEA does not increase.

Main-bank status can be checked in the app by opening the appropriate account, tapping the three-dot menu and selecting Fees and allowances. The UK and EEA allowance should appear as “Unlimited” when the account qualifies.

What Is the Difference Between the Daily Limit and Fee-Free Allowance?

The daily ATM limit determines whether a withdrawal can go through. The fee-free allowance determines whether Monzo charges for it.

For example, a Free-account customer who does not use Monzo as their main bank may have a £400 daily ATM limit and a £400 fee-free UK allowance.

If that customer withdraws £400 on Monday, they may be unable to make another ATM withdrawal that day because the daily limit has been reached.

The following day, the daily limit may become available again, but the £400 rolling allowance remains used. A further UK withdrawal could therefore attract Monzo’s 3% fee.

An Extra customer, by comparison, receives unlimited fee-free UK and EEA withdrawals. However, that customer must still remain within the daily ATM limit shown in the app.

How Does the Rolling 30-Day Withdrawal Allowance Work?

Monzo uses a rolling 30-day period rather than a calendar month. The allowance does not automatically reset in full on the first day of each month.

Each cash withdrawal remains inside the calculation for 30 days. When that transaction leaves the rolling window, the corresponding amount becomes available again.

For example, suppose a Free-account customer withdraws £250 on 4 September and another £150 on 10 September. The customer has used the entire £400 allowance.

The £250 portion becomes available again 30 days after the first withdrawal. The remaining £150 becomes available 30 days after the second withdrawal. The allowance can therefore return in separate stages.

Customers should check the reset information in the Monzo app instead of assuming their allowance will renew on the first day of the next month.

Are Monzo Limits Shared Between Personal and Joint Accounts?

Monzo bases personal limits on the customer rather than the number of accounts held. A personal account and a joint account do not provide two separate ATM limits.

For example, if a customer has a £400 ATM limit and withdraws £250 from a personal account, only £150 remains available across that customer’s personal and joint accounts during the same limit period.

The customer cannot withdraw another £400 from the joint account simply because it is a separate account.

Fee-free allowances are also shared across the customer’s eligible accounts. This is particularly important when both a personal and joint account are regularly used for cash withdrawals.

The other joint-account holder has limits connected to their own customer profile. Both account holders should check their individual allowance information before making a large withdrawal.

How Can a Customer Check Their Monzo Withdrawal Limits?

Monzo separates fee-free withdrawal information from its wider account-limit controls.

To check the remaining fee-free ATM allowance:

1. Open the Monzo app.
2. Select the relevant account.
3. Tap the three dots beside or below the account.
4. Select Fees and allowances.
5. Review the UK and EEA allowance, overseas allowance, previous usage and reset information.

To check the daily ATM limit:

1. Open the Home section.
2. Select the appropriate account.
3. Tap the three-dot menu.
4. Choose Manage account or Manage.
5. Open Limits or Limits and allowances.

The precise wording may differ depending on the app version. Customers who cannot find the screen can search for “limits” or “fees and allowances” in Monzo’s in-app Help section.

How Can Cash Be Withdrawn Using a Monzo Card?

A Monzo card can be used at cash machines displaying the Mastercard symbol. The normal process is to insert or tap the card where supported, enter the PIN and choose the required amount.

Customers generally do not need to notify Monzo before travelling. However, three different charges may need to be considered when withdrawing cash overseas.

The first is Monzo’s 3% fee, which applies after the appropriate rolling 30-day allowance has been used.

The second is an ATM operator charge. This is set by the machine owner rather than Monzo and may apply even when the customer still has a fee-free Monzo allowance.

The third is dynamic currency conversion. An overseas ATM may offer to convert the withdrawal into pounds.

Choosing the local currency normally allows Mastercard and Monzo to handle the conversion, avoiding the potentially less favourable rate offered by the ATM operator.

Monzo does not normally charge customers for spending on their debit card in another currency. Paying by card can therefore be cheaper than using an overseas ATM that imposes an additional charge.

How Much Does Monzo Charge Outside the EEA?

Free and Extra customers can withdraw £200 fee-free outside the EEA during a rolling 30-day period. Existing Plus customers receive £400, while Premium, Perks, Max and Max Family customers receive £600.

A 3% fee applies after the relevant allowance has been used.

For example, suppose a Free customer has already withdrawn £170 outside the EEA. Only £30 of the £200 allowance remains.

If the customer withdraws another £100 before any earlier transactions leave the rolling window, £70 is above the remaining allowance. A 3% Monzo fee on £70 would be £2.10.

An additional fee may be imposed by the ATM operator. The total cost could therefore be higher than £2.10.

Can a Monzo ATM Limit Be Increased?

Monzo allows customers to request changes to eligible account limits, although approval is not guaranteed.

A limit-increase request can normally be made by opening the relevant account, selecting the three-dot menu, choosing Manage account, opening Limits and following the available increase instructions.

Monzo assesses each request separately. The outcome may depend on the customer, the amount requested, account activity, security checks and the reason for needing a higher limit.

Monzo currently states that it cannot increase the following limits:

• Cash deposits
• Monzo.me
• Cryptocurrency payments

ATM withdrawals are not included in Monzo’s published list of limits that cannot be increased. Customers should therefore check whether an increase option is available in their app.

Requests should be submitted before the cash is required because approval may not be immediate.

What Happens If a Monzo Withdrawal Limit Is Exceeded?

The result depends on which limit has been reached.

If a withdrawal is above the available daily ATM limit, the transaction will normally be declined. Attempting several smaller withdrawals will not bypass a customer-level limit because the transactions are added together.

If the withdrawal is within the daily ATM limit but exceeds the fee-free allowance, it may still be approved. Monzo will apply its 3% fee to the amount above the available allowance.

The withdrawal could also be declined because:

• There is not enough money to cover the cash withdrawal and applicable fee.
• The card has been frozen.
• The wrong PIN has been entered.
• Monzo has applied a security check.
• The ATM operator has imposed a lower limit.
• The cash machine cannot dispense the requested note combination.
• The ATM has temporarily run out of cash.

The Monzo app will normally display a notification explaining why a declined transaction did not go through.

How Can Monzo Cash Withdrawal Fees Be Avoided?

The most reliable way to avoid Monzo withdrawal fees is to check the Fees and allowances screen immediately before taking out cash.

Where possible, customers can pay directly by card instead of withdrawing cash, particularly outside the EEA. Using a free-to-use ATM can also prevent a separate operator charge.

When an overseas ATM offers a choice between pounds and the local currency, selecting the local currency can prevent the machine owner from applying its own conversion rate.

Customers who regularly need cash can also consider:

• Requesting an eligible ATM limit increase in advance.
• Transferring money to another bank account they own.
• Dividing a large withdrawal across different days.
• Using a bank with branch counter facilities.
• Upgrading to a Monzo plan with a higher overseas allowance.

Upgrading solely to obtain a larger fee-free allowance may not save money. The expected withdrawal fees should be compared with the monthly subscription cost and the value of the plan’s other benefits.

What Other Monzo Payment Limits Apply?

Monzo applies limits to card transactions, cash withdrawals, bank transfers, cash deposits, cryptocurrency payments and Monzo.me transactions.

Some limits are personalised, which means old fixed figures published online may not match the customer’s account.

The cryptocurrency allowance applies to payments made to cryptocurrency platforms. It does not mean cryptocurrency trading is available directly inside the Monzo current account.

Crypto transactions that would take a customer above the £5,000 rolling allowance will normally be declined.

How Much Cash Can Be Deposited Into a Monzo Account?

The current personal cash-deposit limit is £750 per month.

A customer can deposit up to £750 in one transaction at the Post Office. At PayPoint, the maximum amount per transaction is £300, although the overall £750 monthly limit still applies.

Free and Extra customers normally pay £1 for each cash deposit. Perks, Max and Max Family customers receive three fee-free cash deposits per calendar month, followed by a £1 charge for each additional deposit during the same month.

The cash-deposit limit cannot currently be increased.

This replaces the older £1,000 every 180 days figure that may still appear on outdated websites.

What Limits Apply to Monzo Business Accounts?

Business-account holders should not assume that the personal £400 ATM example applies to their account.

Monzo’s current business information tells customers to check their ATM limit under Home, the three-dot card menu, Manage account and Limits. It does not currently publish one universal business ATM figure on its main limits page.

The following initial business limits are published:

At the Post Office, a sole trader can deposit up to £3,000 in one transaction. A limited company can deposit up to £4,000 in one Post Office transaction.

PayPoint accepts up to £300 per business deposit. These individual transaction limits remain subject to the overall monthly deposit allowance.

Business customers can request eligible limit changes through the app. Monzo may ask for a short verification video and information about why the increase is needed. A decision can take up to 24 hours.

Business cash-deposit limits cannot currently be increased, even temporarily.

How Does Monzo Compare With Other UK Banks for ATM Limits?

Monzo’s commonly displayed £400 personal ATM limit is higher than the standard limits on some basic high-street accounts. However, several premium accounts provide significantly higher daily limits.

A higher daily withdrawal limit does not necessarily mean another bank is cheaper for overseas use. Foreign transaction charges, cash withdrawal fees and ATM-owner charges must also be considered.

People deciding between mobile banking providers may also compare Revolut, Monzo and Starling across their wider account features.

Is Monzo Suitable for Customers Who Regularly Need Cash?

Monzo is convenient for customers who mainly pay by card or bank transfer and only occasionally need physical cash.

Main-bank status and paid plans remove Monzo’s fee-free allowance in the UK and EEA. Premium, Perks, Max and Max Family provide the highest fee-free overseas allowance at £600 per rolling 30 days.

However, Monzo may be less suitable as the only bank account for someone who regularly requires large amounts of cash.

Monzo does not operate traditional branch counters where customers can arrange large over-the-counter withdrawals.

Even when the account includes unlimited fee-free withdrawals, the daily ATM limit remains in place. Cash machines can also impose lower transaction limits or separate fees.

The best option depends on how much cash the customer needs, where the withdrawals will take place and whether the additional benefits of a paid account justify the monthly cost.

Conclusion

The commonly displayed Monzo personal ATM limit is £400 per day, but the exact customer limit appears in the app. This must be distinguished from the fee-free allowance.

A Free account that is not used as the customer’s main bank includes £400 fee-free in the UK and EEA and £200 outside the EEA every rolling 30 days.

Main-bank customers and holders of Extra, Plus, Premium, Perks or Max receive unlimited fee-free UK and EEA withdrawals.

Outside the EEA, fee-free allowances range from £200 for Free and Extra customers to £600 for Premium, Perks and Max customers. A 3% Monzo fee normally applies after the relevant allowance has been used.

Before withdrawing cash, customers should check both Limits and Fees and allowances in the Monzo app.

These sections show the maximum amount available that day, the remaining fee-free allowance and when previous withdrawals will leave the rolling 30-day calculation.

FAQs

Does the Monzo Allowance Reset on the First of the Month?

No. Monzo uses a rolling 30-day period, so each withdrawal stops counting 30 days after it was made.

Does Monzo Extra Offer Unlimited Cash Withdrawals?

Extra provides unlimited fee-free withdrawals in the UK and EEA. Outside the EEA, the fee-free allowance is £200 per rolling 30 days.

What Is the Monzo Perks ATM Allowance?

Perks offers unlimited fee-free UK and EEA withdrawals and £600 fee-free outside the EEA every rolling 30 days.

What Is the Monzo Max Withdrawal Allowance?

Max offers unlimited fee-free withdrawals in the UK and EEA and £600 fee-free outside the EEA per rolling 30 days.

Can More Than £400 Be Withdrawn From Monzo in One Day?

Customers may be able to request a temporary limit increase through the Monzo app, but approval is not guaranteed.

Are Personal and Joint Account Limits Separate?

No. A customer’s limits and fee-free allowances are shared across their personal and joint Monzo accounts.

Why Has Monzo Charged a Withdrawal Fee in the UK?

A 3% fee may apply when a Free-account customer who does not use Monzo as their main bank exceeds the £400 rolling allowance.

Can a Monzo Card Be Used Abroad?

Yes. Monzo cards work at Mastercard ATMs, subject to the daily limit, overseas allowance and any fee charged by the ATM operator.

How Much Can a Monzo Customer Withdraw Outside the EEA?

Free and Extra customers receive £200, Plus customers £400, and Premium, Perks and Max customers £600 fee-free per rolling 30 days.

Can Monzo ATM Limits Be Increased?

Eligible ATM limit increases can be requested through the app, although Monzo assesses each request individually.