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Monzo Exchange Rates
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Title_forceDarkMode__UjAB1 Title_primary__m7Tjj text-heading-1 Title_left___R_Ga Title_marginBottom__TiQqA HeroBanner_heroTitle__l9Owc" id="the-mastercard-exchange-rate">The Mastercard exchange rate</h1><div class="Markdown_Markdown__aEd_X Markdown_dark__2sqVQ" data-testid="markdown"><div class="Text_text__CSJ_O Text_lead___fdMb Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p>Spending abroad should be straightforward. We use Mastercard’s exchange rate with no added fees or charges.</p></div></div></div><div class="HeroBanner_buttonContainer__lO5NT"><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/help/overdrafts-loans" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Get help</span></a></div><div class="HeroBanner_legalTextContainer__MDph9"></div></div></div></div></div></div></div></section><div><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><img src="https://images.ctfassets.net/ro61k101ee59/6yu8U0sfeRR6soC7tydprv/686330539f39465182ac945d9e5f4215/travel-airplane-world.svg?w=800&q=75" alt="An airplane sat on a globe with clouds" width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="spending-abroad">Spending abroad</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>When you spend money abroad or online in a foreign currency, banks sometimes add a mark-up to the exchange rate they give you, so even though they might not charge a ‘fee’, you may not be getting the best possible rate.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>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.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Below are the rates you get when you spend in a foreign currency. Mastercard updates their rate every day at 2:05pm Central US time, which is 8:00pm UK time. So, if you buy something before then, you’ll get the rate from the day before.</p></div></div></div></div></div></div></div></div></div></section></div><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="ECBRates_content__lYDlf"><div>Loading...</div><div>Loading...</div></div></div></section><section class="Section_section__mRxGN Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE _prose_prose__aeteD"><div class="Block_contentContainer__CWeAy"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="a-quick-look-at-how-exchange-rates-work">A quick look at how exchange rates work</h3><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>In Europe, the European Central Bank (ECB) publishes reference exchange rates between currencies based on a daily average of european central banks, but individuals can’t get those rates directly.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>When you spend abroad, your bank or credit card issuer will be using a card scheme (the two biggest are Mastercard and Visa), and that scheme can set an exchange rate which could be above the ECB rate.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Your bank or credit card issuer can then either pass on that scheme rate directly to you, or add a mark-up or fees on top to make money.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>All banks are now required to show you the ECB rate and any fees or charges they add on top. So you can fairly compare rates between all providers, and see how good the deal you’re getting is. We've chosen to also show you the Mastercard rate, so you can see that we're passing it on directly with nothing added.</p></div></div></div></div></div></section></main><div class="Footer_footerContainer__c1N4v Footer_forceDarkMode__Oimpe"><footer class="Footer_Footer__MDr8W Footer_forceDarkMode__Oimpe" role="menu"><div class="Footer_logo__tSFSn"><a role="menuitem" class="Footer_logoLink__gs4rX" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_location=footer&link_text=Monzo Bank&link_type=navigation&url=/&currentUrl=/ecb-rates" href="/"><img class="Footer_logoImage__XvGRA" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/monzo-logo-on-dark.a1b99872.svg" alt="Monzo Bank"/></a></div><div class="Footer_links__y6OjA"><ul><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" 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We use Mastercard’s exchange rate with no added fees or charges.\n","pageTitle":"The Mastercard exchange rate"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionHero","linkType":"ContentType","type":"Link"}},"createdAt":"2023-10-17T16:18:33.857Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"pLUhtRd1bUCnd3mKvdfSQ","locale":"en","publishedVersion":8,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2023-10-18T09:50:39.601Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"backgroundColor":"Background: Secondary","containerColor":"Background: Transparent","desktopLayout":"Image On Right","header":"Spending abroad","image":{"fields":{"description":"An airplane sat on a globe with clouds","file":{"contentType":"image/svg+xml","details":{"image":{"height":182,"width":190},"size":12800},"fileName":"travel-airplane-world.svg","url":"//images.ctfassets.net/ro61k101ee59/6yu8U0sfeRR6soC7tydprv/686330539f39465182ac945d9e5f4215/travel-airplane-world.svg"},"title":"Travel airplane world"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-15T12:36:29.526Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"6yu8U0sfeRR6soC7tydprv","locale":"en","publishedVersion":15,"revision":4,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2022-11-17T13:18:07.551Z"}},"sectionName":"Spending Abroad","textCopy":"When you spend money abroad or online in a foreign currency, banks sometimes add a mark-up to the exchange rate they give you, so even though they might not charge a ‘fee’, you may not be getting the best possible rate.\n\nBut 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.\n\nBelow are the rates you get when you spend in a foreign currency. Mastercard updates their rate every day at 2:05pm Central US time, which is 8:00pm UK time. So, if you buy something before then, you’ll get the rate from the day before.\n"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionTextImage","linkType":"ContentType","type":"Link"}},"createdAt":"2023-10-18T09:54:26.220Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"ptChzXEKDvW7GtfWGwCS3","locale":"en","publishedVersion":23,"revision":6,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2025-03-07T10:01:42.429Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"bespokeComponentName":"European Central Bank Rates"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionBespoke","linkType":"ContentType","type":"Link"}},"createdAt":"2020-04-15T11:35:37.938Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"7zoAOTLO1KMYVxkyNX2iu7","locale":"en","publishedVersion":20,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2020-04-15T11:35:37.938Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"internalSectionName":"ECB Rates - A quick look at how exchange rates work","markdownContent":"### A quick look at how exchange rates work\n\nIn Europe, the European Central Bank (ECB) publishes reference exchange rates between currencies based on a daily average of european central banks, but individuals can’t get those rates directly.\n\nWhen you spend abroad, your bank or credit card issuer will be using a card scheme (the two biggest are Mastercard and Visa), and that scheme can set an exchange rate which could be above the ECB rate.\n\nYour bank or credit card issuer can then either pass on that scheme rate directly to you, or add a mark-up or fees on top to make money. \n\nAll banks are now required to show you the ECB rate and any fees or charges they add on top. So you can fairly compare rates between all providers, and see how good the deal you’re getting is. We've chosen to also show you the Mastercard rate, so you can see that we're passing it on directly with nothing added.\n"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionMarkdown","linkType":"ContentType","type":"Link"}},"createdAt":"2020-04-15T11:35:43.979Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"3YbImnNInl1fjHoYmehNdw","locale":"en","publishedVersion":39,"revision":5,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2023-10-17T16:25:31.649Z"}}},"nodeType":"embedded-entry-block"}],"componentProps":{},"designSystemEnabled":true,"featureGates":{"ca_daxenabled":true,"1p_saving_challenge_countdown":false,"ca_flex_build_navigation_link":true,"lunio_enabled":true,"isa_allowance_countdown":true},"experiments":[{"experimentID":"ca_homepage_navigation_cta_pairing","variant":"Control"},{"experimentID":"header_navigation_reorder","variant":"Test"},{"experimentID":"ca_homepage_navigation_cta_pairing","variant":"Control"},{"experimentID":"header_navigation_reorder","variant":"Test"}],"hasExperiments":true,"dynamicText":{"nav":"Sign up","cta":"Open an account for free"},"cookies":{}},"__N_SSP":true},"page":"/[...dynamic]","query":{"dynamic":["ecb-rates"]},"buildId":"nkkm2ZgbOFUC5Xzyo-Tw4","assetPrefix":"https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78","runtimeConfig":{"apiFqdn":"internal-api.monzo.com","publicApiFqdn":"api.monzo.com","publicClientId":"oauth2client_0000ATbSRBo8E4Es6Ss3k6","publicClientSecret":"mnzpub.eQUHgQ9y9tbER/x0k0LRW9KOoVkOnb4dMwCxLQxC8AoLPwGdDXlQ7EODWlgmgq+r9j+vCurgzX1Ya0m7uVCTMQ==","test_apiFqdn":"api.s101.nonprod-ffs.io","sentryProject":"monzo-com-web","sentryOrg":"monzo","sentryDSN":"https://06894583d63658ed47fe4e9943f497fa@o23827.ingest.sentry.io/4505743602483200","environment":"production","anonIDCookieDomain":".monzo.com","authRedirectOrigin":"https://auth.monzo.com/","bereavementsClientId":"oauth2client_0000AsQ35Ed3ZrjrRua8TS","bereavementsClientSecret":"mnzpub.jWYmnA+EW3xbjkkKLZX0N0SfHbes6IUyiDqglPBqVxGAmKCGf3I10PMDeNv9+/I8ZpC48VAnlu3fV8DkfDiCCA==","bereavementsRedirectUri":"https://monzo.com/bereavements/callback"},"isFallback":false,"isExperimentalCompile":false,"gssp":true,"appGip":true,"scriptLoader":[]}</script></body><script src="https://internal-api.monzo.com/static/util.js"></script></html></body></html>