Monzo’s ATM allowance depends on your plan and whether Monzo counts as your “main bank account.” As of September 2026, the free account gets £400 fee-free in the UK and EEA every rolling 30 days, then 3% applies. If Monzo is your main bank, or you’re on a paid plan (Extra, legacy Plus, Perks, Max, legacy Premium), UK/EEA withdrawals are unlimited and fee-free.
This page is part of the Monzo Bank UK complete guide, which covers all Monzo features, fees, limits, and account plans.
Monzo ATM Limits by Plan (September 2026)
| Allowance | Free (not main bank) | Free (main bank) | Extra / legacy Plus | Perks / Max / legacy Premium |
|---|---|---|---|---|
| UK & EEA — fee-free every 30 days | £400 | Unlimited | Unlimited | Unlimited |
| UK & EEA fee after allowance | 3% | £0 | £0 | £0 |
| Outside EEA — fee-free every 30 days | £200 | £200 | £400 | £600 |
| Outside EEA fee after allowance | 3% | 3% | 3% | 3% |
“Main bank account” broadly means at least £500 has been paid into your Monzo account and you have an active Direct Debit, both within a rolling 35-day period, or you receive a DWP/DfC benefit payment into the account. Confirm your own status and current allowances in the Monzo app under Fees and Allowances — Monzo can and does change these figures.
How the UK/EEA ATM Allowance Works (Free Account)
If you’re on the free account and Monzo isn’t your main bank, you get £400 fee-free in the UK and EEA every rolling 30 days (the 30-day window starts from your first withdrawal, not the calendar month). After that, each additional UK/EEA ATM withdrawal incurs a 3% fee.
Worked example: You withdraw £150 on 5 September (within your £400 allowance). On 20 September you withdraw £200 — still within the £400 allowance (£350 used). On 28 September you withdraw £100 — this takes you £50 over the £400 allowance, so 3% × £50 = £1.50 fee on that withdrawal.
If Monzo is your main bank account, or you upgrade to a paid plan, this allowance becomes unlimited. See Monzo Plus vs Premium — Is It Worth It? for a full breakdown of whether upgrading makes financial sense (note that Plus and Premium are now legacy, closed-to-new-customer plans — Extra, Perks and Max are the current sign-up options).
Daily and Per-Transaction Limits
Monzo does not publish one universal daily cash withdrawal figure or single-transaction maximum that applies to all customers — your personal limit is account-specific and shown in the app under Manage Account → Limits. Individual ATMs also impose their own dispense limits, commonly in the £300–£500 range per visit, regardless of which card you use.
To check or discuss your limit:
- Open the Monzo app
- Go to Account → Manage Account → Limits
- Your current ATM and spending limits are shown here
- Contact Monzo via in-app chat if you need this reviewed
Foreign ATM Withdrawals
Monzo’s foreign ATM allowance depends on whether you’re withdrawing inside or outside the EEA (the EEA covers EU countries plus Iceland, Liechtenstein and Norway) — this distinction has not been removed, contrary to some outdated claims:
| Plan | EEA fee-free allowance (30 days) | Outside-EEA fee-free allowance (30 days) | Fee after allowance |
|---|---|---|---|
| Free (not main bank) | £400 | £200 | 3% |
| Free (main bank) / Extra / legacy Plus | Unlimited | £200 (free) / £400 (Extra, Plus) | 3% |
| Perks / Max / legacy Premium | Unlimited | £600 | 3% |
The allowance resets on a rolling 30-day basis from your first withdrawal. Confirm your exact plan’s figures in the Monzo app before travelling, as Monzo has changed these allowances more than once in recent years.
Worked example (free account, non-main bank, travelling outside the EEA): You’re in Thailand for two weeks. You withdraw £120 and then £100 — total £220. The first £200 is free; you pay 3% on the remaining £20 = £0.60 fee.
Worked example (Max/Premium, outside EEA): You’re travelling for a month across Southeast Asia and withdraw £500 total from ATMs. This falls within the £600/30-day allowance — no fee.
For a full comparison of Monzo’s travel card features beyond ATM limits — including exchange rates, card fees, and holiday spending tips — see Monzo Travel Spending 2026.
Monzo vs Competitors on ATM Limits
| Bank | UK free ATM withdrawals | Foreign free allowance |
|---|---|---|
| Monzo (free, not main bank) | £400/30 days, then 3% | £200/30 days (outside EEA) |
| Monzo (main bank or paid plan) | Unlimited (UK/EEA) | £400–£600/30 days (outside EEA) |
| Chase UK | Unlimited free | Confirm current allowance on chase.co.uk |
| Starling | Unlimited free | Unlimited (fair use) |
| Barclays | Unlimited free | Confirm current fee structure on barclays.co.uk |
Starling continues to offer unlimited free UK and overseas ATM withdrawals (subject to fair use) — a clear advantage over standard Monzo if you’re not registered as Monzo’s main bank customer and don’t want to pay for a plan.
Tips for Managing Monzo ATM Use
- Check whether you already qualify as Monzo’s “main bank” customer — if so, your UK/EEA withdrawals are already unlimited and fee-free without needing a paid plan
- A paid plan breaks even quickly for frequent cash users — compare Extra, Perks or Max against your typical monthly ATM fees
- Abroad: plan around the rolling 30-day reset — track your allowance in the app rather than assuming a calendar-month reset
- Use Monzo Pots for cash budgeting — move your ATM budget into a Pot and withdraw from there to track spending