How to get the best travel money rates

We explain where to find the best travel money rates so you can get the most bang for your buck when you’re on holiday

Woman buying handmade bags in the markets of Morocco
(Image credit: Getty Images)

Travel money may be the last thing on your mind when preparing for a much-needed holiday – there are other things like booking flights or finding the right travel insurance to keep you busy.

However, leaving it too late to swap your cash could mean you get stung by high bank or debit card fees.

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How to find the best travel money rates

1. Don’t exchange currency in the airport

The general rule when it comes to travel money is to avoid airport exchanges.

Airport bureaux de change have a captive audience, as once you’re in the airport, there isn’t much choice about where you get your cash. You will typically get poorer exchange rates at the airport, so sorting out your travel money and currency exchange before you reach the airport can therefore make your money go further.

2. Use the right travel money cards

It’s a good idea to use travel cards when heading abroad, as they can help you lock in competitive exchange rates and manage your money better on holiday.

Alastair Douglas, CEO of TotallyMoney, says: “Don’t get burnt by bank charges this summer and take a fee-free card with you. Otherwise, if you pack the wrong one, you could find yourself paying £8.15 for £5 of cash when abroad.”

Check the small print, though, as while most of these cards can be used in European or American destinations, it’s unlikely you’ll be able to use them in more far-flung places.

Another option for travel money is to use a prepaid travel card or a currency card that links with your current account from providers such as Currensea, FairFX, and Revolut. The Post Office also launched a Travel Money Card that carries up to 22 currencies.

3. Supermarket loyalty programmes

Most savvy shoppers are familiar with supermarket loyalty schemes that give you discounts on your grocery shopping. But registered customers could also get lower exchange rates on travel money.

For example, Sainsbury’s customers can get a euro exchange rate of €1.1322 for £1, which goes up to €1.1345 if you’re a Nectar member.

Tesco Clubcard members can also get special rates of €1.1344, which falls slightly to €1.1321 if you’re not a member.

This won’t make much difference if you’re taking out smaller amounts, but the savings start to add up the more you withdraw and could give you some extra spending money.

4. Shop around

Comparison websites such as Go.Compare and Travel Money Max make it easy to search and find the best deals in a couple of steps.

A lot will depend on what is available near you and if you want the convenience of being able to get your holiday cash with your frozen chips.

5. Find the best travel money providers

When converting pounds to other currencies, you can either go to your high street bank or order travel money online.

We’ve rounded up the best travel money providers to help you find the best deal. Note: this is based on withdrawals of £1,000.

Swipe to scroll horizontally

Travel money provider

Exchange rate

Amount

Notes

Eurochange

1.1401

€1140.1

Free next-day delivery over £600

Post Office

1.139

€1139

Spend between £400 - £2,500

TravelFX

1.139

€1139

No handling fee for orders over £750

John Lewis

1.138

€1138

Minimum £250 online order

Sterling FX

1.1375

€1137.5

Free delivery over £700

The Currency Club

1.1363

€1136.3

Free delivery over £700

M&S Bank

1.1345

€1134.5

Click and collect

Tesco Bank

1.1344

€1134.4

Clubcard price

Travelex

1.134

€1134

Free delivery over £500

Sainsbury’s Bank

1.1322

€1132.2

Nectar price

Rates on 28 August 2025.

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Oojal Dhanjal
Editorial Content Producer

Oojal has a background in consumer journalism and is interested in helping people make the most of their money.

Oojal has an MA in international journalism from Cardiff University, and before joining MoneyWeek, she worked for Look After My Bills, a personal finance website, where she covered guides on household bills and money-saving deals.

Her bylines can be found on Newsquest, Voice Wales, DIVA and Sony Music, and she has explored subjects ranging from politics and LGBTQIA+ issues to food and entertainment.

Outside of work, Oojal enjoys travelling, going to the movies and learning Spanish with a little green owl.

With contributions from