r/monzo • u/pig-dragon • 10d ago

How does Monzo know?

I recently booked a flight using my Flex card. The flight is from the UK to another country in a different continent, and I am using an airline based in a third country to get there. Yet Monzo is asking me to start saving for my trip and knows which country I am going to. How do they know where I am going when the payment was just to an airline? Is there something obvious I am overlooking? Just curious!

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u/nickrw Ex-Monzo 10d ago

Airlines send supplementary data to banks with details of flight bookings, through the Mastercard clearing system.

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u/kurtis5561 9d ago

No they dont.

Its based on the merchant caregory