Depends. Think there's a limit on Monzo for withdrawals now before they start charging per transaction. I have one and have used in Europe but also have Halifax Clarity credit card which was good in America but it's slower to show up on a statement. Think both tend to give you the previous day rate once transaction is 'official'.
Sorry if this is less than helpful, I'm in the pub.
Depends. Think there's a limit on Monzo for withdrawals now before they start charging per transaction. I have one and have used in Europe but also have Halifax Clarity credit card which was good in America but it's slower to show up on a statement. Think both tend to give you the previous day rate once transaction is 'official'.
Sorry if this is less than helpful, I'm in the pub.