m&s travel money click and collect

Marks & Spencer Travel Money

Find out more about marks & spencer's travel money options with our useful guide..

In this guide

• What services does Marks & Spencer offer?
• What currencies can I order through Marks & Spencer?
• How much can I transfer with Marks & Spencer?

How soon can I get my money?

How safe is my money, are there any fees i might have to pay.

• Customer service information for M&S

As well as socks, pants, and sandwiches Marks & Spencer also buy and sell travel money. If you need some cash you can visit your nearest M&S Bureau de Change – available in over 120 M&S stores across the UK.

• Wide range of foreign currencies
• SameDay Click & Collect
• Order between £150 and £2,500

What services does Marks & Spencer offer?

M&S offers two services:

• Buy in store. You’re able to visit your nearest store to get hold of some travel money. Head to the M&S website to find your nearest store!
• Home delivery. If you have an M&S Credit Card or Chargecard, you can order between £100 and £2,500 of foreign currency online or over the phone. And if you order your travel money before 1pm, M&S will deliver it to your home address the next working day.

M&S also offer a buy-back service, so you can sell your leftover travel money at the buy-back rate on the same day you return it.

What currencies can I order through Marks & Spencer?

Here’s a list of some of the main currencies that are available with M&S:

• Argentine Peso (ARS)
• Australian Dollar (AUD)
• Bahraini Dinar (BHD)
• Brazilian Real (BRL)
• Brunei Dollar (BND)
• Bulgarian Lev (BGN)
• Canadian Dollar (CAD)
• Chilean Peso (CLP)
• Chinese Yuan Renmibi (CNY)
• Croatian Kuna (HRK)
• Czech Koruna (CZK)
• Fiji Dollar (FJD)
• Hong Kong Dollar (HKD)
• Hungarian Forint (HUF)
• Iceland Krona (ISK)
• Indonesaian Rupiah (IDR)
• New Israeli Sheqel (ILS)
• Jamaican Dollar (JMD)
• Japanese Yen (JPY)
• Jordanian Dinar (JOD)
• Kenyan Shilling (KES)
• Kuwaiti Dinar (KWD)
• Malaysian Ringgit (MYR)
• Mauritius Rupee (MUR)
• Mexican Peso (MXN)
• New Zealand Dollar (NZD)
• Norwegian Krone (NOK)
• Omani Rial (OMR)
• Peruvian Nuevo Sol (PEN)
• Philippine Peso (PHP)
• Polish Zloty (PLN)
• Qatari Rial (QAR)
• Romanian Leu (RON)
• Russian Ruble (RUB)
• Saudi Riyal (SAR)
• Singapore Dollar (SGD)
• South African Rand (ZAR)
• South Korean Won (KRW)
• Swedish Krona (SEK)
• Swiss Franc (CHF)
• New Taiwan Dollar (TWD)
• Thai Baht (THB)
• Trinidad and Tobago Dollar (TTD)
• Turkish Lira (TRY)
• UAE Dirham (AED)
• US Dollar (USD)
• Vietnamese Dong (VND)
• Aland Islands (ALA)
• Andorra (AND)
• Argentina (ARG)
• Australia (AUS)
• Austria (AUT)
• Bahrain (BHR)
• Belgium (BEL)
• Brazil (BRA)
• Brunei (BRN)
• Bulgaria (BGR)
• Canada (CAN)
• Chile (CHL)
• China (CHN)
• Croatia (HRV)
• Cyprus (CYP)
• Czech Republic (CZE)
• Estonia (EST)
• Finland (FIN)
• France (FRA)
• French Guiana (GUF)
• French Southern Territories (ATF)
• Germany (DEU)
• Greece (GRC)
• Guadeloupe (GLP)
• Hong Kong (HKG)
• Hungary (HUN)
• Iceland (ISL)
• Indonesia (IDN)
• Ireland (IRL)
• Israel (ISR)
• Italy (ITA)
• Jamaica (JAM)
• Japan (JPN)
• Jordan (JOR)
• Kenya (KEN)
• Kuwait (KWT)
• Latvia (LVA)
• Lithuania (LTU)
• Luxembourg (LUX)
• Malaysia (MYS)
• Malta (MLT)
• Martinique (MTQ)
• Mauritius (MUS)
• Mayotte (MYT)
• Mexico (MEX)
• Monaco (MCO)
• Montenegro (MNE)
• Netherlands (NLD)
• New Zealand (NZL)
• Norway (NOR)
• Philippines (PHL)
• Poland (POL)
• Portugal (PRT)
• Qatar (QAT)
• Reunion (REU)
• Romania (ROU)
• Russia (RUS)
• Saint Barthelemy (BLM)
• Saint Martin (MAF)
• Saint Pierre And Miquelon (SPM)
• San Marino (SMR)
• Saudi Arabia (SAU)
• Singapore (SGP)
• Slovakia (SVK)
• Slovenia (SVN)
• South Africa (ZAF)
• South Korea (KOR)
• Spain (ESP)
• Sweden (SWE)
• Switzerland (CHE)
• Taiwan (TWN)
• Thailand (THA)
• Trinidad And Tobago (TTO)
• Turkey (TUR)
• United Arab Emirates (ARE)
• United States (USA)
• Vietnam (VNM)

How much can I transfer with Marks & Spencer?

Orders are subject to a minimum value of £150 and a maximum value of £2,500.

Once you have ordered your card it can take up to ten working days for you to receive it. However, providing there are no delays with Royal Mail, you will typically receive your card within five working days . FairFX do not have a fast track service and you cannot collect our cards from any collection points.

Unlike cash, if you lose it or it’s stolen, FairFX have you covered. (See FairFX’s terms and conditions for further details). You’re also covered against shocks on your statement when you get home. It’s all there, in real time, upfront.

There is a £5 post and packaging charge for orders with a total value of less than £500. Orders of £500 or more are delivered free.

Customer service information for M&S

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2 Responses

I want to buy $100 & 100 euros at handforth dean

Hi Dr. Russ,

Thank you for reaching out to Finder.

If you want to purchase currency. M&S offers two services:

Buy in store. You’re able to visit your nearest store to get hold of some travel money. Head to the M&S website to find your nearest store! Home delivery. If you have an M&S Credit Card or Chargecard, you can order between £100 and £2,500 of foreign currency online or over the phone. And if you order your travel money before 1pm, M&S will deliver it to your home address the next working day.

Hope this helps!

Cheers, Reggie

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You are here: Home / Blog / M&S Travel Money: Rates and Bureau de Change

M&S Travel Money: Rates and Bureau de Change

This guide walks through all you need to know about Marks and Spencer (M&S) travel money, including rates, fees and availability. We’ll also cover how the Wise account can help you spend less on travel money, so you enjoy your trip more.

M&S travel money rate

It’s important to know the exchange rate you’ll get for your travel money - but rates can be confusing as they change all the time. Some providers, like M&S also offer different rates depending on the specific service you want. Here’s an example of the M&S euro exchange rate and the rate you’ll get if you’re buying US dollars:

Exchange rates correct at time of research (25th November 2020)

As you can see, you’ll get a better rate if you order in advance using the click & collect service, as long as you’re not looking to use the same day option .

However, you’ll still need to be wary about the rates on offer, and compare them to the mid-market exchange rate to check if they are the best available for your transaction. We’ll take a look at why that is - and a smart way to use Wise (formerly TransferWise) to get more convenient currency exchange for your trip - in just a moment.

Marks and Spencer click and collect

The M&S click and collect service allows you to order currency online and collect it in store at your convenience. You can order euros and US dollars for same day collection, although currencies may take up to 7 working days to be prepared for collection.

If you’re planning on using M&S click and collect it’s important to note :

• You must be aged over 18
• You must be a UK resident
• Only the person who placed the order can collect it - ID will be required
• You’ll need to provide the payment card used when ordering when you collect
• There’s a £10 fee for cancelling an order

Marks and Spencer states there is no fee for having your order prepared through the click and collect service. However, it’s worth noting that the exchange rate you’re offered for the same day service is poor, compared to the normal click and collect rate. In effect this is an additional fee for the convenience of getting your travel money more quickly.

What are the fees for buying travel money with Marks and Spencer

There’s no explicit fee for getting your travel money through M&S. However, that does not mean it’s free .

When you buy foreign currency you always need to look at both the upfront fees or commission charges, and the exchange rates being used. It’s common for banks and currency providers to use an enticing headline offer - such as zero fee exchange, or 0% commission - but include their costs in the exchange rates they use instead. This means you’re still paying a fee - it’s just more difficult to see .

Marks and Spencer offers a different exchange rate for the same day click and collect service, compared to the regular click and collect options. The rate you’ll get for the more convenient same day pick up is not as good as the normal click and collect rate. That’s because an extra charge has been rolled into the rate used to compensate M&S for the extra work of preparing your currency more quickly, and to boost their profits.

To see this in action, compare the different rates offered by M&S travel money against the live mid-market exchange rate for your currency. You may find that both rates vary from the mid-market exchange rate - even the regular click and collect rate. That’s likely to be because a markup has been added.

Exchange rate markups matter because they’re not transparent. If there’s a markup added to the rate used to convert your currency you may be losing out, and paying more fees than you think for your travel money.

Save with Wise when you spend in any currency

The smart way to avoid exchange rate markups is to use low cost currency specialist Wise .

Wise offers customers the real mid-market exchange rate every time, with low, clear and transparent fees.

If you’re planning on travelling abroad, you can get a free online Wise account with a linked Mastercard debit card .

Top up your account in pounds and you can then switch to whichever currency you need, using the mid-market exchange rate. Spend for free all over the world using your card, or withdraw local currency from ATMs wherever you are.

You’ll be able to withdraw up to the currency equivalent of £200 per month with no fee, and a small percentage charge after that. There’s no waiting around for your currency, and you can manage your money from your laptop or mobile device. Simple.

Marks and Spencer travel money products

Let’s take a look at the different options available through M&S travel money.

Click & Collect

You can order from £250 to £2,500 in foreign currency online for collection at a branch of your choosing. You’ll need to pay by card, and take along your payment card and a government issued ID when you collect your money. It’s worth noting that euros and US dollars are available quickly, but some other currencies may take up to 7 working days to prepare.

Same Day click & Collect

If you order before 4pm, you’ll be able to pick up euros or US dollars immediately at your local M&S store. However, the exchange rate you’ll get won’t be as favourable as the regular click and collect rate - it’s set the same as the walk-in exchange rate.

Foreign exchange bureaux

You can buy some foreign currency without needing to order in advance, by simply walking into a M&S store which has an exchange bureau. Over 40 currencies are available, although the amounts and currencies available may vary. For this reason it’s worth calling in advance if you’re looking to buy a lot of travel money or an unusual currency.

Not all Marks and Spencer branches have an exchange bureau, and not all exchange bureaux operate at all times. Look for more information about the branches near you, using the Marks and Spencer online branch finder .

M&S currency buy back

If you end up with extra foreign currency after your trip you can take it back to M&S using their buy back service. You’ll need to keep your original receipt to do this, and can only switch notes in denominations M&S sell. Coins won’t be accepted, although you can donate unwanted foreign coins to charity via the Marks and Spencer exchange bureaux.

M&S currency buy back rate

The exchange rate offered by M&S for currency buy back is not the same as the exchange rate you’ll get for buying currency in the first place. The rate used for buy back will be set by M&S at the time you’re switching your money back and may include markups.

Because the exchange rate will change day by day - and because there’s a chance of markups being added to the rates used for buy back - you may not get back as much as you expect when you convert your unwanted currency back after your holiday.

M&S travel money Bureau de Change

There are over 100 exchange bureaux in Marks and Spencer stores around the UK. However, not all are open all the time, and services available can vary. Check in advance if you’re planning on heading out to an M&S bureau de exchange.

M&S foreign currency London

Different M&S stores offer different travel money services. You’ll find you can collect your travel money from a broad range of stores - including some Simply Food outlets - if you order through click and collect. You’ll be able to choose the best store to collect from when you order, based on your location.

However if you want to walk into a bureau you’ll need to find a Marks and Spencer with an exchange service. At the time of writing, many of the exchange desks are closed due to concerns and restrictions related to the global pandemic. There’s an up to date listing of available services over on the M&S website. Call in advance if you want to check your local store is operating normally.

Does M&S offer a travel money card?

Marks and Spencer does not offer a travel money card at this point. If you want a simple way to top up and spend when you travel, check out the Wise account which comes with a linked debit card you can use just like a travel money card.

No matter where you decide to buy your travel money, make sure you compare the available exchange rates - as well as any upfront fees - against other services to make sure you’re getting the best available deal.

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Travel money, hays travel foreign exchange, 4 great ways to buy your holiday money, click & collect.

Great rates & currency expertise come as standard with our Click & collect service & with no minimum spend, your holiday money is just a few clicks away. 

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Guarantee Peace of mind when buying your currency from Hays Travel   

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^Please speak to one of our Hays Travel colleagues for the full Terms & Conditions of the Hays Travel Buy Back Guarantee. ^^In-branch rates will differ from our online rates. The rates displayed online are for currency banknotes pre-order only, and guaranteed if currency is collected before close of business on Sunday 18th August 2024.  ^^^Not all notes presented for buy back may be able to be exchanged, please ask our staff for more details. ^^^^Apple and the Apple logo are trademarks of Apple Inc. registered in the U.S. and other countries. App Store is a service of Apple Inc. registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC.  ^^^^^Hays Travel Prepaid Currency Card is issued by PrePay Technologies Limited pursuant to license by Mastercard International. PrePay Technologies Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900010) for the issuing of electronic money and payment instruments. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

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Marks and Spencer Latest Currency Exchange Rates

Marks & Spencer travel money is part of the well-established brand, so it’s no surprise that they are a popular currency exchange provider.

Our Review of Marks and Spencer Travel Money Service

Pros: what we like :.

✓ There are benefits for Marks & Spencer cardholders

✓ They offer same day click and collect on some currencies

Cons: What we like less:

✘ They do not offer home delivery on Travel Money

✘ They have fewer currencies readily available than many of our providers

✘ Generally not the most competitive exchange rates

Buy currency now with Marks and Spencer

Questions about marks and spencer.

Not usually! Many of the online travel money providers can offer better rates than in high street branches or bureau de changes. It pays to buy travel money online, even if you still prefer to collect your currency from a high street store.

You can see view our supermarket only search here Which supermarket has the best euro rate which we update virtually real-time.

This obviously will depend on the currency and exchange rates each of the travel money providers are offering. Our online comparison tool will show you all the latest travel money rates who is offering the best deals on your foreign currency.

You can order a minimum of £250 worth of travel money online

The maximum amount of travel money you can order online is £2,500.

You can pay for your travel money via bank transfer or debit or credit card or use your M&S Bank Credit Card

With Marks & Spencer Holiday Money Service you can order online and collect your travel money in-store in your local M&S Bureau de change.

Yes! Marks & Spencer currently advertise a buy-back service for unused currency. Our comparison tool will show you the providers offering the best buy-back rates .

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Marks & Spencer exchange rates

Today's latest M&S Bank travel money exchange rates, updated 4 minutes ago at 1:40pm

Marks and Spencer have 52 currencies in stock and ready to order now. Buy online and collect your order from one of over 450 M&S Bank Bureaux across the UK. Home delivery is not offered for travel money orders, but you can reserve your currency online and collect it from your nearest store on the same day if you order before 4pm. You must buy your currency online to guarantee these rates or you may be given a lower rate in-store.

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• View today's latest M&S Bank rates
• Compare M&S Bank's rates

Travel money order limits and fees

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M&S Bank travel money rates

These are the latest M&S Bank exchange rates available online right now.

Compare M&S Bank's exchange rates

We compare hundreds of exchange rates from dozens of currency suppliers across the UK. Select a currency below to see how M&S Bank's rates compare against other providers. Bear in mind that exchange rates aren't the only important factor when it comes to getting the best deal; commission, card surcharges and delivery costs can all affect the final amount of currency you'll receive. You can see the full range of currency deals on offer right now on our travel money comparisons .

M&S offer a collection service for travel money with no minimum or maximum order limits, and no commission. Home delivery is not available at this time.

Latest M&S Bank reviews

Our users have rated M&S Bank Average in 62 reviews. Read more on our M&S Bank reviews page.

Bought £500 of euros and was encouraged to pay using my m&s credit card in order to obtain the best rate all fine until my credit card statement arrived and me being charged £25 for a non sterling transaction...total rip off ...this was last year a [...]

Read the full review

Jim Ferguson

Very quick service. Nice pleasant lady called Helen in the Harrogate store. Good sense of humour and great customer service. An all round good experience.

Janet MacLeod

Disappointed in the rate given today at M&S, Inverness travel currency exchange. The rate given was 1.1428 when M&S are advertising a rate of 1.1624!!! They are even below the average rate which 1.1506. In future, I may go elsewhere after dealing [...]

The euro rate at Marks and Spencer right now is 1.1523. You'll need to buy or reserve your euros online to guarantee this rate; the euro rate offered in your local branch may be lower if you don't order online beforehand.

Marks and Spencer's exchange rates tend to be slightly better than those offered by other high street supermarkets including Sainsbury's and Tesco , but make sure you order your currency online beforehand or you may be given a lower rate in-store.

Unlike it's rivals, M&S does not offer currency for home delivery which means you'll need to collect your order in person from a nearby M&S travel money bureau.

If you want the absolute best exchange rate on the market, better currency deals are still available from other suppliers, especially if you order online. Check out our travel money comparisons to find the best currency deals available right now.

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Press Release

18 May 2023

M&S TRAVEL MONEY REVEALS THE ALTERNATIVE HOLIDAY DESTINATIONS THAT COULD SAVE FAMILIES £1000s THIS HALF-TERM

• A family of four could save an average of £788 on the cost of a half-term holiday by considering alternative destinations to popular family holiday locations, with the biggest saving coming in at more than £2,000.

Ahead of the upcoming half-term break, M&S Travel Money’s best value holiday destinations research shows that families could save as much as £2,147 by considering some budget-saving alternatve destinations.

While the Greek Islands of Crete and Corfu are both surrounded by azure blue seas and offer white sandy beaches, the M&S Travel Money research revealed that a break in the city of Corfu this half-term came in at over £500 less per person than Heraklion in Crete, saving as much as £2,147 for a family of four (£782 vs £1,319 per person).

Families looking to travel further afield, might consider a trip to family-friendly Florida, however by switching the pristine beaches and art-deco architecture of Miami for a fun-filled trip to Orlando, they could save more than £1,000 per family (£1194 vs £1449 per person).

With Florida having a flight time of more than nine hours, families looking for a shorter trip this half-term, could consider a trip to Mediterranean favourite, Spain. By opting for a holiday to the city of Barcelona – offering both a vibrant culture and sandy beaches – families could save nearly £300, compared to a trip to Palma, the capital of Spanish island, Mallorca (£926 vs £999 per person).

If considering a trip to Cyrpus, families could look at Larnaca over popular Paphos to save almost £280 (£279) for their family break over the course of the week (£1006 vs £1076 per person). Flights to Larnaca are £375 cheaper than Phaphos.

For those searching for a vacation just across the channel, it was another city break where the most savings could be made. By swapping out a beach holiday to Nice for a week rich in culture, history and fun, in the country’s capital, Paris, holidaymakers could not only save over £200 per family (£202), but also nearly halve their flight time (£891 vs £941 per person).

Nic Moran, from M&S Travel Money, said: “We understand how important it is that families make the most of their holiday budget this half-term and our research shows that by making some simple swaps, families could save thousands, while still enjoying the the culture and cuisine they are looking for, in the country they would like to visit.”

Nic’s top travel money tips:

• Consider alternative airports: Flights to airports slightly outside of the destination you’re planning to visit sometimes work out cheaper – but be sure to factor in the cost of travelling to and from the area
• Travel outside of peak hours: If you can travel at less in-demand times (such as early in the morning or late at night) you may be able to snap up a bargain
• Plan spending money early: Get your spending money organised ahead of time; order your currency online, or visit a high street bureau de change, to secure a rate in advance – and travel with both local currency and a credit card, to ensure you’re covered for all eventualities
• Don’t leave yourself short when it comes to currency: ensure you have enough cash for snacks, taxis and tipping, ATMs may not always be readily available

The M&S in-store travel money bureaux, alongside its euro and dollar Click & Collect travel money service, means an M&S currency service is available in more than 450 M&S stores. The service offers a Click & Collect facility, so customers can order using their Smartphone or tablet – whether at home or in store – and collect in as little as 15 minutes.

For more information about the research, please contact:

[email protected]

For more information about M&S Bank, please contact:

Louise Wheble on 079204 12086 / [email protected]

Nikki Backler on 079204 17652 / [email protected]

Note to editors:

All holiday costs are for four people (two adults, two children), for a six-night stay from 27 May to 3 June, and include six nights’ accommodation, round-trip flights to and from London, six evening meals at restaurants, and one walking tour. All flights/accommodation etc. are booked from 27 May to 3 June. All flights represent the cheapest direct flight cost (wherever possible), departing from any London airport.

Alex Grayson on 07384 793347 / [email protected]

About M&S Bank

M&S Bank (the trading name of Marks & Spencer Financial Services plc) launched in 2012 on the foundations of M&S Money, which was established in 1985 as the financial services division of Marks and Spencer plc. In November 2004, HSBC bought 100 per cent of the share capital of Marks and Spencer Retail Financial Services Holdings Limited.

Today, M&S Bank operates as a joint venture arrangement between HSBC and Marks & Spencer, however, M&S Bank has its own banking licence and its own Board.

M&S Bank offers a broad range of financial products, including the M&S Credit Card, and a range of loans, savings and general insurance products, while its travel money service offers one of the widest ranges of currencies available on the high street. 

HSBC UK serves around 15 million customers across the UK, supported by 26,000 colleagues. HSBC UK offers a complete range of retail banking and wealth management to personal and private banking customers, as well as commercial banking for small to medium businesses and large corporates.

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