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Get the best euro exchange rate

Compare the latest euro exchange rates from the UK's top currency providers

How to get the best euro exchange rate

If you're travelling to Europe, it's important to shop around and compare currency suppliers to maximise your chances of getting a good deal. We can help you to find the best euro exchange rate by comparing a wide range of UK travel money suppliers who have euros in stock and ready to order online now. Our comparisons automatically factor in all costs and commission, so all you need to do is tell us how much you want to spend and we'll show you the top suppliers who fit the bill.

Are you looking to get the best euro exchange rate for your next trip abroad? At Compare Holiday Money, we compare the euro rates from dozens of top UK foreign exchange providers to help you find the most competitive currency deals online and on the high street.

We continuously scan and track the latest euro rates from a wide range of currency providers to help you find the companies offering the best deals. Our clever currency comparisons automatically factor in all costs and charges like delivery fees and commission, so all you need to do is tell us how much you want to spend and we'll show you the best euro rates available to buy online right now.

Compare deals

Some of the best travel money deals are only available when you buy online. By using a comparison site, you're more likely to see the full range of deals on offer and get the best rate.

Some of the best travel money deals are only available from specialist online currency providers who offer better euro rates than high street bureaux de change.

Always place your order online, even if you plan to collect your currency in person. Most supermarkets and high street currency suppliers offer better exchange rates if you order online beforehand.

Most supermarkets and currency suppliers offer better rates if you buy or reserve your currency online. If you're planning to buy euros in store, place your order online beforehand to guarantee the online rate.

Combine orders

If you're travelling with others, consider placing one large currency order instead of buying individually. Many currency suppliers offer enhanced rates that improve as you order more.

You'll often get better rates the more you order. If you're travelling with a group, consider placing one large currency order instead of everyone buying euros individually.

Remember, exchange rates aren't the only important factor when finding the best euro deal. Delivery costs, commission and payment surcharges can all affect the amount of money you'll receive. See our comprehensive euro travel money comparisons to find the absolute best deal with all costs and charges factored in.

Online foreign exchange providers who specialise in travel money usually offer the best euro exchange rates, and you'll get the best deals when you buy online for home delivery. If waiting isn't an option, or if you'd rather buy your euros in person, supermarkets typically offer the best euro rates on the high street - but don't just walk in off the street unannounced. Reserve your euros online (ideally the day before you want to collect them) as most supermarkets offer enhanced exchange rates on their website compared to the rates they advertise in store. By ordering online you'll lock-in the better online rate and can collect your euros in person at a time that's convenient for you.

Euro rate trend

Over the past 30 days, the Euro rate is up 0.98% from 1.1551 on 4 May to 1.1664 today. This means one pound will buy more Euros today than it would have a month ago. Right now, £750 is worth approximately €874.80 which is €8.48 more than you'd have got on 4 May.

These are the average Euro rates taken from our panel of UK travel money providers at the end of each day. You can explore this further on our British pound to Euro currency chart .

We found 17 foreign exchange providers offering euros today. The table below shows the results ordered by best euro rate, assuming you wanted to buy £750 worth of euros for home delivery.

Remember, exchange rates aren't the only important factor when it comes to getting a good currency deal. Delivery fees, payment surcharges and other hidden costs can all affect the amount of money you'll receive. See our euro travel money comparisons to help you find the best euro rate today.

Timing is key if you want to maximise your euros, but the best time to buy will depend on the current market conditions and your personal travel plans.

If you have a fixed travel date, you should start to monitor the euro rates as soon as possible in the period leading up to your departure so that you've got time to buy when the rate is looking favourable. For example, if the euro rate has been steadily increasing over several weeks or months, it could be a good time to buy while the rate is high.

Some people prefer to buy half of their euros as soon as they've booked their holiday, and the remaining half just before they depart. This can be a good way of maximising your holiday money if the exchange rate continues to rise after you've bought, but will also help to minimise your losses if the rate drops.

You could also consider signing up to our newsletter and we'll email the latest rates to you each month.

If you need your euros sooner and don't have time to wait for the rates to improve, you can still save money by comparing rates from a range of different providers before you buy. Online travel money suppliers usually have better euro rates than high street exchanges, but supermarkets are a good compromise if you want to collect your currency in person and still get a decent rate. Just remember to buy or reserve your euros first before you collect them from the store so you benefit from the supplier's better online rate.

Euro banknotes and coins

Over 340 million people use the euro every day according to the European Central Bank, making it the second most-traded currency in the world after US dollars. Twenty out of 27 EU Member States have adopted the euro as their official currency, and euros are used officially and unofficially in many non-EU countries and territories throughout Europe such as Monaco, San Marino, and Vatican City.

Euros are governed and issued by the European Central Bank which is based in Frankfurt, but the actual production of euro banknotes and coins is handled by various national banks throughout the Eurozone. Spain and Greece are responsible for printing €5 and €10 banknotes, Germany prints €100 notes, and the other EU member states are responsible for printing €20 and €50 notes.

One euro (€) can be subdivided into 100 cents (c). There are seven denominations of euro banknotes in circulation: €5, €10, €20, €50 and €100 which are frequently used, plus €200 and €500 notes which are no longer printed but are still in circulation and remain legal tender. The designs printed on each banknote are intended to be symbolic of the European Union's identity and unity, as well as highlighting the diversity and richness of different European cultures. The front of each banknote features architectural styles from different periods in Europe's history, including Classical, Gothic, Renaissance and modern, while the reverse side features bridges that represent communication and cooperation between the different countries within the European Union.

Euro coins are available in eight denominations: 1c, 2c, 5c, 10c, 20c, 50c, €1 and €2. Each EU member state is responsible for minting its own coins, and can choose their own design for the 'tails' side. For example, German coins feature the 'Bundesadler' or Federal Eagle which has been the German coat of arms since 1950, while French coins depict Marianne; an important symbol of French national identity. Next time you've got a handful of euro coins, take a look at the tails side and see if you can guess which EU country they came from!

There's no evidence to suggest that you'll get a better deal if you buy your euros in Europe. While there may be better exchange rates available in some locations, your options for shopping around may be limited once you arrive, and there's no guarantee the exchange rates will be any better than they are in the UK.

Exchange rates aside, here are some other reasons to avoid buying your euros in Europe:

• You may have to pay commission or other hidden fees to a currency exchange that you wouldn't have paid in the UK
• Your bank may charge you a foreign transaction fee if you use it to buy euros when you're abroad
• It can be harder to spot scammers and fraudulent currency exchanges in Europe

Lastly, it can be handy to have some cash on you when you arrive at your destination so you can pay for any immediate expenses like food, transport and tips. You don't want to be searching for the nearest currency exchange when you've just landed and you're desperate for a cup of tea - or a cocktail!

Twenty out of 27 EU member states have adopted the euro as their official currency. These are: Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia and Spain.

The following European countries and territories who are not part of the EU also use the euro as their official currency: Andorra, Kosovo, Monaco, Montenegro, San Marino and Vatican City, French Guiana and Martinique, the Azores, Canary Islands, and Madeira.

Tips for saving money while visiting Europe

The most budget-friendly destinations in Europe are generally those located in the east such as Latvia, Lithuania and Estonia. In contrast: Luxembourg, Ireland and France usually top the list as some of the most expensive holiday destinations. Regardless of where you're planning to visit, you can save money during your trip by following some simple tips:

• Research your accommodation: Hotels can be expensive, so one way of saving money is to look for more budget-friendly accommodation such as hostels, holiday rentals, or even campsites. AirBnB can be an affordable option too, especially if you rent a room instead of an entire apartment; and you'll get to experience what it's like to live like a local. Salud!
• Use public transport: Make the most of any metro systems, buses, or trams to get around instead of relying on private taxis or rental cars. Many European countries also offer national and regional travel passes for public transport which can work out significantly cheaper than buying individual tickets.
• Eat like a local: Opt for local restaurants or street food vendors that offer authentic cuisine at lower prices. Avoid dining at expensive tourist restaurants, and try cooking your own meals if your accommodation has a kitchen. Not only is this a great way to save money, but it can also be a fun cultural experience to shop around in European supermarkets and cook with local ingredients.
• Plan your itinerary: Look out for free attractions such as museums, parks, churches and historical sites, and plan your itinerary around these. Many cities in Europe also offer free walking tours which can be a great way to get an overview of a new location while learning about its culture and history.
• Find discount vouchers: Many tourist attractions and activities offer discount vouchers and codes that can save you money on entry fees and other perks. Look for vouchers online; sign up to newsletters and follow the social media accounts of places you're planning to visit.
• Take cash: Using cash will help you to stick to a budget more easily than paying by card, and you'll also avoid foreign transaction fees. If you do take a card with you, look out for ATMs that are affiliated with your UK bank to avoid ATM fees, and if you're asked whether you want to pay in pounds or euros - always choose euros. If you pay in pounds the merchant can set their own exchange rate which won't be in your favour.

Choosing the right payment method

Sending money to a company you might not have heard of before can be unsettling. We routinely check all the companies that feature in our comparisons to make sure they meet our strict listing criteria, but it's still worth knowing how your money is protected in the unlikely event a company goes bust and you don't receive your order.

Bank transfer

Your money is not protected if you pay by bank transfer. If the company goes bust and you've paid by bank transfer, it's unlikely you'll get your money back. For this reason, we recommend you pay by debit or credit card wherever possible because they offer more financial protection.

Debit cards are the most popular payment method and they offer some financial protection. If you pay by debit card and the company goes bust, you can instruct your bank to make a chargeback request to recover your money from the company's bank. This isn't a legal right, and a refund isn't guaranteed, but if you make a chargeback request your bank is obliged to try and recover your money.

Credit card

Credit cards offer full financial protection, and your money is protected by law under Section 75 of the Consumer Credit Act. Section 75 states that your card issuer must refund you in full if you don't receive your order. Be aware that many credit cards charge a cash advance fee (typically around 3%) for buying currency, so you may have to weigh up the benefits of full financial protection with the extra cost of using a credit card.

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Travel Money Comparison

Get the best exchange rates when you buy or sell foreign currency online

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What Currency do you want to buy?

How much do you want to spend, what currency do you want to sell, how much do you want to sell, buy currency, sell currency, why use a travel money comparison site.

Have you ever started researching the best rates between different travel money providers?

We know it can be overwhelming: the different suppliers, their different offers and of course, the ever-changing currency exchange rates. It's a lot of information to process and compile!

Our comparison site takes the stress out of researching and does it all for you. FInd the travel money supplier that will get you the best rate today.

• ✓ Compare Travel Cash is a non-biased travel money comparison site.
• ✓ To ensure our independence, we always use transparent, objective and verifiable criteria in our comparisons.
• ✓ Our mission is to show you the best rates so you can save when buying your travel money.
• ✓ We constantly update our exchange rates as they change for each money exchange supplier, and whilst we try to do this in almost real-time, there will be times when our data is slightly out of date (in normal circumstances, not more than 5 minute). Our travel money comparison site is designed to save you money by showing you the latest rates.
• ✓ We check out all the companies we list, ensuring they are reputable suppliers and pass our standards before we list them.
• ✓ We value your privacy.  We do not sell your data - you don't even need to give us your information to use our site.  Even if you choose to, it is safe with us, we will never pass it on to third parties.
• ✓ You won't get cheaper rates if you go directly to the supplier, at times, we may have discounts and incentives that you would not get by going direct!
• ✓ We do sometimes make money - but we don't make it from you.  We will never add fees or commissions to the travel money rates on the site.

Frequently asked questions

It's a great idea to buy your currency online to ensure you get the best exchange rate. You can often get much better deals online compared to what you can find on the high street or the airport. In fact ccording to recent surveys, 9 out of 10 tourists find that exchanging money at airports is the most expensive option.

The best thing about buying your travel money online through a comparison site is seeing all currency prices in one place, so whether you are buying euros , buying dollars or other currencies you get the best rate for your travel money and more importantly save time!

The quickest way to get the best currency exchange rate is by using our comparison tool . We compare the latest information from all the best travel money providers in the market to show you the best currency exchange rates.

Keep an eye out for the following when searching for the best currency exchange deals so you can choose the best option for buying your holiday money:

• High exchange rate - The higher the exchange rate number, the more holiday money you will get to the pound
• Delivery Charges - different currency providers charge different amounts for delivering your holiday money to your door
• Special offer - We will let you know if the providers are offering travel money deals

Commission is the fee that travel money providers charge for the service to exchange your money into foreign currency . The charge is usually included in the exchange rate they advertise. You will see that many foreign exchange companies advertise 0% commission, they are still charging you by including the charge in the rates.

All the travel money prices we quote include any fees and commissions, including delivery!

The simple answer is yes! Usually, the minimum order amount for foreign currency is £100, and the maximum is usually £7,500, although some providers allow you to exchange more.

Travel money is normally sent via special delivery service with Royal Mail. Travel cash orders worth more than £2,500 will be sent via a courier or multiple Royal Mail packages. This is for insurance reasons, making sure your travel money is safe.

This depends on the currency provider. Some providers offer next-day delivery, sending your travel money using Royal Mail's Special Delivery Guaranteed by 1pm service. There will be an extra cost for this and you can see how much when you compare the holiday money prices.

Don't forget, many foreign currency providers also allow you to pre-order currency and you can collect it in store, this means you can avoid delivery charges.

Most do, any holiday money that you have leftover after your trip abroad can be sold using a buy-back service that will convert it back to pounds. Our comparison tool will show you the providers offering the best buy-back rates .

Every few of minutes we compare the exchange rates and latest currency deals from the best travel money providers in the UK. You can see instantly who is offering the best deals and choose a service that suits your needs best.

Also, if you've come home from a trip abroad and have leftover currency, we compare many foreign currency buy back companies, showing the best rates to convert your foreign currency back into pounds.

Hundreds of customers order travel money through our site daily and have a great experience. However, as with ordering anything online, the process is never completely risk-free and you should always take care when transfering money to any company.

We undertake comprehensive checks on all of our providers and monitor them to make sure they meet our high standards and continue to do so. Having said that, no company is guaranteed not to come into trouble and we cannot guarantee the solvency of any of the providers listed on our website. We always recommend that you conduct your own due diligence before placing an order with any company.

There are many destinations where taking some local currency is extremely useful to make sure you are covered in places where credit cards are not accepted. Many of the smaller retailers globally will not allow credit cards, so cash is the only option.

Read our blog post on taking cash on holiday .

The best time to buy any travel money is when the pound is performing strongly relative to the currency you are buying, this means it will have a higher exchange rate, so will give you more currency for your money. The amount you receive is calculated by multiplying the exchange rate by the amount of pounds you want to spend, so the higher the exchange rate, the more foreign currency you get.

Exchange rates are constantly changing but we show you the historical exchange rate performance for each of the currencies so you can have more of an idea of whether now is a good time to buy your travel money.

Exchange rates tend to be very similar wherever you are in the world to those offered in the UK, however waiting until you are away means you may be stuck with poor exchange rates, fewer options of places to offer competitive rates or even worse, you may have to pay big additional fees and commissions. By buying your travel money in the UK there are no hidden fees, charges or nasty surprises, you know exactly how much you are getting.

Once you have found the best rate, place an order on the currency suppliers’ site, and pay for your currency.Each currency supplier has different payment options, including bank transfer, debit card, with some suppliers offering payment by Apple pay and Android pay. Once your order has been confirmed your order will be prepared and your currency sent to you by registered delivery, some suppliers even offer next-day delivery.

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CompareTravelCash.co.uk is a travel money comparison service that's designed to help you save money – whilst we do our best to ensure the site is 100% up-to-date, we cannot guarantee this. We advise you to carry out your own due diligence before buying or selling travel money.

Today's best US dollars - Euro exchange rates

Compare usd-eur exchange rates and fees before your next money transfer, the usd to eur exchange rate: how much is $1 worth to a euro, conversion rates usd/eur, conversion rates eur/usd, key facts about usd and eur, about the us dollar, about the euro, where to get the best exchange rate for dollars to euros.

MoneyGram  and  Wise  have fought for the top spot as the cheapest money transfer providers from the US dollar to Euro from March 2021 to March 2022 on Monito.  Instarem  and  OFX  earned the third and fourth-best spots during this 12-month period.

Big banks can send your dollars to Europe, but they often apply  weak exchange rates  and charge high fees. International money transfer specialists almost always offer lower transfer fees and better exchange rates when sending money to Europe.

US dollars (USD) and euros (EUR) exchange rates with other main currencies

How to get the best usd to euro exchange rate online.

Exchange rates fluctuate at every moment of the day. The cheapest money transfer provider today may not be the cheapest tomorrow, which is why Monito's comparison engine helps you to instantly compare exchange rates and fees of the best international money transfer services.

To optimize your transfer from USD to Euros:

• Check the US dollar to Euro mid-market exchange rate (i.e. the rate you see on Google or xe.com);
• Find services that convert your dollars at or near this rate, and charge low commission fees;
• Sign up for the best service on their site or app;
• Confirm your transfer and recipient details.

Find the service with the best USD to Euro exchange rate

Faq about the best usd to eur exchange rates.

1. Check the USD mid-market exchange rate against the Euro. 2. Compare services with low fees and strong rates. 3. Sign up for the best service. 4. Confirm your transfer to the Eurozone.

This answer depends on your timeframe. The US dollar has gained value against the Euro throughout 2021, making now a good time to exchange dollars for euros. In 2020, however, the dollar dropped against the Euro. With that in mind, the dollar's value in March 2022 is fair but has not reached its previous peak.

$1 US = €0.96242

On December 21st, 2016, the US dollar reached its highest value against the Euro in the ten year period between 2012 and 2022.

If you are going on holiday in the Eurozone, then the best way to get Euros is to sign up for a multi-currency travel debit card, such as the Wise Multi-Currency Card . Spend like a local and make transactions at the real mid-market exchange rate .

Other options for exchanging US dollars in Europe include:

• Using an ATM with your foreign debit card;
• Signing up for a debit card or credit card that waives foreign transaction fees .

Never use a bureaux de change at the airport and avoid withdrawing cash with a credit card. Otherwise, your bank will charge you interest daily on those cash advances.

As a general rule, no. Despite commonly heard advice, credit unions and banks have become outdated money transfer providers. New companies are offering innovative ways to obtain foreign money cheaply and digitally.

We found that America First Credit Union was converting $1 USD into 0.85019 Euros even though the mid-market exchange rate was at $1 USD = 0.90201 Euros*.

Experts at Monito have reviewed several travel money cards that convert your currency at the true mid-market exchange rate , which you can access from your phone or a debit card. Services that offer these cards include Wise , Revolut , N26 , and Monese .

*Exchange rates recorded on 3 March 2022 11:27 CEST.

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Best Euros Exchange Rates

The £ powers to a 21 month high against the euro - a good time to buy!

Delivery Options

Established since 2010.  Home delivery is free above £700 with a postal charge of £5 for orders below £700. Payment for your currency can be made via Visa, Mastercard, Apple Pay or Google Pay but using these services incurs a 0.1% additional fee. There are no charges if you pay using the “pay by bank app” or for make a manual bank transfer.

Established in 1975. Home delivery free above £500 with postal charges of £5 for orders below £500. Has 192 “click and collect” outlets throughout the UK.

NM Travel Money

Established in 2018 and part of the NM Money Group which includes eurochange. Home delivery is free above £500 with postal charges of £5 for orders below £500. Has access to the 192 eurochange “click and collect” outlets

Currency Online Group

Established in 2006. Home delivery is free above £750 with a postal charge of £5 for orders below £750. “Click and collect” is available in 2 London locations.

Established in 1972. Home delivery is free above £700 with a postal charges of £6 for orders below £700. “Click and collect is available via their London W2 office.

First Choice

Provided by TUI Travel Money. Home delivery is free above £600 with postal charges of £4.99 for orders below £600. ‘Click & collect’ is available in a selected number of the 550 plus TUI stores throughout the UK. Check to see if this service is available at a store near you.

Part of the TUI Travel Agent Group. Home delivery is free above £600 with a postal charge of £4.99 for orders below £600. ‘Click & collect’ is available in a selected number of the 550 plus TUI stores throughout the UK. Check to see if this service is available at a store near you.

Established in 1976. Home delivery is free above £600 with postal charges applied on a tiered basis, ranging from £2.99 to £7.49 depending on the amount purchased. ‘Click & collect’ service available. Many of their outlets are at airports and transport hubs -check to see if there is a location convenient to you.

Part of the John Lewis partnership and provide travel money services via John Lewis Finance and First Rate Exchange Services. Home delivery is free above £500 with postal charges of £5.50 for orders below £500. Waitrose and John Lewis have over 350 stores and ‘click & collect’ is available at a selected number of these stores -check to see if there is one near you.

Provide travel money services via John Lewis Finance and First Rate Exchange Services. Home delivery is free above £500 with a postal charge of £5.50 for orders below £500. Waitrose and John Lewis have over 350 stores and “click & collect” is available at a selected number of stores -check to see if there is one near you.

The Currency Club

Established since 2010. Home delivery and payment via bank transfer is free. Payments via debit card incur a fee of 0.29%. There is no “click & collect” service available.

Travel money services offered in conjunction with Travelex. Home delivery is free above £500 with a postal charge of £3.95 for orders below £500. Asda has over 500 stores throughout the UK – check to see if the “click and collect” service is available at a store near you.

Sainsbury’s have offered a travel money service as part of their bank offering since the late nineties. Home delivery is free above £400 with a postal charge of £4.99 for orders below this amount. ‘Click & collect’ is available in Sainsbury’s stores throughout the UK. Check to see if this service is available at a store near you

Tesco provide travel money services in conjunction with Travelex. Home delivery is free above £500 with postal charges of £4.99 for orders below £149 and £3.95 for orders below £500. Tesco has over 2,500 stores throughout the UK. Check to see if ‘click & collect’ is available at a store near you.

Covent Garden FX

Established in 2001. Home delivery is free above £750 with a postal charge of £6 for orders below £750. “Click & collect” is available from their London store and they also deliver to offices in the City of London.

The Post Office

Post Office has provided travel money services in conjunction with First Rate Exchange Services since 1994. Home delivery is free above £500 with a postal charge of £4.99 for orders below £500. “Click and collect” is available at 100’s of Post Offices throughout the UK. Check to see if this service is available near you.

Rapid Travel Money

Powered by the Currency Club and part of the Sterling Consortium that was established in 1972.Home delivery is free over £1500 with a postal charges of £8.99 for orders below £1500. There is no ‘click & collect’ service available

ABTA Travel Money

ABTA – The Travel Association knows travel, having been a recognised and reassuring source of advice, guidance and support to travellers for over 70 years. ABTA is now bringing you one of the essentials when travelling abroad – a foreign exchange service, ABTA Travel Money.

With competitive rates on over 60 currencies. Order Online for Click & Collect in just 60 seconds later (depending on branch opening hours and stock availability) from over 190 locations or order before 2:30pm for next working day home delivery.

Currency Exchange Corp

• Established in 1999.
• Home delivery is Free above £800 but postal charges of £6.95 apply to orders below £800
• There is a ‘Click & Collect’ service available in some 16 stores in London & surrounding area but check this service is available at a store convenient to you.

No1 currency - Home Delivery

Established over 20 years ago and part of the Fexco Group. Home delivery is free above £800 with a postal charge of £6.95 for orders below £800. Has 180 “click and collect” outlets throughout the UK.

Established since 2007 and part of the Equals Money Group. Requires you to register for an account before ordering currency. Home delivery is free above £750 with postal charges of £7.50 for orders below £500 & £5 for orders between £500 & £750. “Click and collect” is available in a store in London.

Established since 2018. Home delivery is free above £750 with a postal charge of £7.50 for orders below £750. Available for “click and collect” from their office in Slough.

Thomas Exchange

Established in 1993. Home delivery is free above £800 with a postal charge of £6.95 for orders below £800. “Click and collect” is available in 9 outlets throughout London.

Linkfx Home Delivery

Linkfx Home Delivery was established in 1995. Home delivery is free above £750 with a postal charge of £5 for orders below £750. There is no ‘Click & Collect’ service available.

All orders must be paid for with a Barclays debit card or a Barclaycard. Travel money can be collected from Barclays branches or delivered free to your home address. Minimum order £50.

The travel money service is only available to HSBC, First Direct and Marks and Spencer Account holders. Offers free delivery by post or to HSBC branches

Currency Commentary

The Euro is the 2nd largest traded currency in the world behind the US dollar. There are 20 EU member countries that use the Euro with over 340m people using the Euro each day. These countries are as follows:

Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxemburg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain.

There are 6 Non-EU member countries that also use the Euro:

• Vatican City

It is also worth noting that French overseas territories use the Euro so it is worth taking Euros if you are visiting places such as Guadeloupe, French Guyana, Martinique and Saint-Martin in the Caribbean or Mayotte and Réunion in the Indian Ocean. Likewise, the Portuguese islands of Madeira and the Azores, and the Spanish Canary Islands, also use the Euro

How to get the best deals on your travel money

How do you get the best exchange rate for Euros?

To get the best exchange rate for Euros you should always use a travel money comparison website, they are easy to use and provide you with a simple way of finding the best price. You don’t have to choose the best rate, so for example if you would prefer a well-known brand which maybe costs more, you can do so but at least you understand the difference in cost. The difference in cost between the best and worst rate can be significant, up to £20 on a currency purchase of £750.

If you are happy to buy on-line then how do you get the best on-line exchange rate for Euros?

Firstly, to get the best on-line exchange rate for Euros always use a comparison website. You will be provided with a list of travel money suppliers usually in order of the best price first. If you want a larger number of Euros, say above £500 the best price will almost certainly be a small direct supplier with a less well known brand. You then have a choice as to whether you would prefer to have the money delivered to your home or to collect the money from a local store on the ‘High St’.

If you would like the money delivered to your home, then how do you get the best exchange rate for Euros for Home Delivery?

When you are choosing the provider make sure that you understand the postal delivery charges, particularly for amounts below £500 as any additional postal costs will effectively mean that you are receiving less Euros for the £sterling you pay. That is why at besttravelmoney.com we include postal charges for the specific amount of euros requested within the rate you are shown. So, what you see is the cost to you.

There are some practical considerations when choosing home delivery, like making sure the travel money supplier you have chosen for Euros does deliver to where you live. Some of the smaller suppliers with the best rates will only deliver to a small geographical area. Also, remember this is ‘cash’ you are having delivered, so you need to be at home when your Euros arrive.

If you only require a small number of euros or would prefer the convenience of collecting your Euros from a local store how do you get the best exchange rate for Euros on the High St?

We would still recommend you use a travel money comparison website. Choose the travel money provider which you consider having the best combination of rate and convenience for you. Check the supplier you have chosen (whether for example it is Tesco, Sainsbury’s or Eurochange) really does have a collection point near you as not all stores will have the facility.

We still recommend that you order on-line going from the comparison website to your chosen provider website to ensure you get the best deal. You will almost certainly getter a better rate via ‘click & collect’ than just walking into a store and purchasing your Euros.

Keep in mind our FAQ's to make sure your holiday money goes further

Always understand the charges for debit and credit cards.

Many of the costs that you incur while abroad are driven by your UK bank account or credit card, so understanding the costs for your debit or credit cards abroad is important.

Whilst using your debit card in the UK is usually free, using your card abroad often incurs extra charges. Apart from most European holiday destinations the major banks charge a fixed fee every time you use your debit card. There is also a foreign exchange fee (typically 2.99%) on the amount you spend when using your debit card. The newer banks tend to offer better deals. Starling bank and Revolut  being two of the better examples.

We have put a table together of debit card charges for most UK banks within the Debit Card FAQ section .

Most credit cards don’t charge a fixed fee for using the card but still charge a percentage on any transaction that you make in a shop or restaurant. Also be careful using your credit card for cash from an ATM as it may be considered a cash advance and incur interest immediately. One of the better credit cards to use abroad is the Halifax Clarity card .

We have put a table together of credit card charges for the major UK card providers within the Credit Card FAQ section .

Always select the local currency in a shop or at an ATM

Something that is becoming more frequent when you go abroad is at an ATM or in shops and restaurants, you may be offered the option to pay in pounds sterling or local currency. Always choose the local currency otherwise you will get a very poor exchange rate and the cost to you can be surprisingly high.

This tiktok we saw explains it well for ATM transactions.

Check overseas ATM charges before pressing 'enter'

Understanding the differing charges applied by ATMs abroad is not easy. In theory ATMs are required to explain their charges before you press enter. Apart from any charges applied by your bank or credit card provider the local ATM owners may have differing exchange rates or local charges. Don’t be afraid to check out several local ATMs and see which offers the best deal.

Simpler options can be to take more local currency with you or use an ATM from a big local bank. ATMs from banks tend to charge less than independent local operators sited in stores or garages for example.

Our travel guides provide the names of the major banks in some different countries

Our travel money guide to countries that use the Euro that you may be interested in

Check out our blog posts on places we have been.

All you need to know about cash and cards on a Caribbean cruise

Holidaymakers miss out on over £150m a year by not shopping around for currency

All you need to know about cash and cards when travelling to New Zealand

3 Easy Ways to Boost your Holiday Spending Power

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Today’s best exchange rates

How do you get the best holiday money exchange rate, use our currency converter, high exchange rates, delivery charges, special offers, pros and cons, five golden rules of travel money, 1. know how much cash you'll need.

Carrying around a large amount of cash isn't the safest thing to do. At the same time, not having enough cash can cause a lot headaches too. It's a good idea to take a little more than you think you'll need.

But it's also good sense to have a backup prepaid , debit or travel credit card that you can rely on - assuming you're going to a destination that widely accepts card transactions.

2. Shop around

Not all currency exchange companies are created equal. Some may have good exchange rates, but higher fees. Others may have higher rates, but no fees. You have to make sure which one offers the best value to you.

This is why it’s worth comparing the deals on offer from several companies before ordering your travel money. Factor in the fees and the exchange rate and see where you end up better off. Often the amount of money you're exchanging can be a deciding factor.

3. Don't buy your travel money at the airport

Airport holiday money providers have notoriously high prices because they offer a last-chance solution for those who are just about to board a plane. By planning ahead you can save a small fortune.

4. Don't carry too many large notes

Notes of large denominations can be tricky, as small shops and taxi cabs, which are more likely to require cash, might not have enough change to accept a large note.

Some retailers are also often wary of accepting large notes. Smaller notes and change can also be handy when it comes to tipping or buying small everyday items.

5. Don't use your credit card to buy travel money

Avoid buying foreign currency with a credit card as credit card providers treat the transaction as a 'cash advance' . Not only will you be charged daily interest, you're also likely to be hit with a fee.

Budgeting for your holiday

How much travel money you need to take depends on your plans. You'll need to budget for your holiday to make sure you don't run out of money before the end.

Deciding how much money to take depends on were you're going, whether debit or credit card usage is prevalent, and if you want to have some local currency on hand for emergencies.

Having some cash is extremely important, as there's always a possibility your cards could get declined or blocked for some reason, and it may take some time to resolve the issue.

Also, some countries still rely predominantly on cash transactions, so you should factor that into how much cash you decide to take.

What are the top alternatives to buying travel money?

Travel credit cards.

Travel credit cards - i.e. the ones with  no foreign transaction fees  - offer two key advantages over travel money:

Great exchange rates  - when you spend on a travel credit card you get the Mastercard or Visa exchange rate, which is about the best you can find as a regular consumer

Purchase protection  – for purchases costing between £100 and £30,000 you're covered by  Section 75 of the consumer credit act , meaning if something goes wrong you can make a claim with your card provider should the vendor fail to pay up

However, not everywhere accepts travel credit cards and using them at a cash machine abroad can come with hefty fees. It can also be easier to overspend on a credit card, leaving you with debts on which interest is charged.

Travel money cards

Currency cards and travel bank accounts let you spend overseas without being charged a foreign transaction fee. Their key strengths are:

Great exchange rates  - you card provider will pass on the Mastercard or Visa rate to you without adding extra charges

No charges for ATM use overseas  - if you need extra cash on holiday, you can withdraw it without being charged by your provider. Watch out for local ATM fees though, as these might still apply 

The downsides include that there can be limits on how much you can withdraw abroad using a travel money card, and that they're not accepted quite as widely as cash. Some travel current accounts also come with fees.

Prepaid travel cards

Prepaid travel cards  can be loaded with currency and used abroad without paying foreign exchange fees. You can load a prepaid card with a specific foreign currency or a variety of different currencies, depending on your travel plans. The key advantages are:

Low or no fees to use abroad  – prepaid travel card providers charge far less than traditional banks for overseas usage

Safer than carrying cash  - you can cancel or freeze the card if it's lost or stolen, protecting your balance

However, you’ll need to watch out for general usage fees, which often apply when you load the card with cash and may also be charged monthly.

Can you get commission-free travel currency?

Yes and no. It depends on how you define it. Commission refers to the service fee that a currency exchange broker charges for exchanging your money.

Many companies advertise 0% commission to exchange money online or on the high street, but, instead of charging commission, they offer a less competitive exchange rate. This is why you need to compare the whole deal rather than just opting for a zero-fee travel money deal.

Are there restrictions on getting currency delivered?

When you buy your currency online, it's normally sent via Royal Mail's Special Delivery service. This means you have to sign for the package. Cash orders that exceed £2,500 will be sent in batches because that's the maximum value that can be insured for each delivery.

Can you get next-day delivery for currency?

Some travel money providers do offer next-day delivery. These brokers send out currency using Royal Mail's Special Delivery Guaranteed by 1pm service.

Our comparison shows which operators offer this option and how much they charge for it. With some companies, you also have the option to pre-order your travel money for collection in person from a local branch, meaning you don't have to pay for delivery.

Will anyone buy my currency back?

If you've got leftover travel money from a trip abroad, you can use a  buy-back service  to convert it back into pounds.

The buy-back rate tells you how much sterling you'll get back.

Remember to factor in the rate and delivery costs, and compare exchange rates. You can check out the best euro-to-pound exchange rate by looking at our comparison table.

About our comparison

Who do we include in this comparison.

We include every company that gives you the option of buying euros online. Discover  how our website works .

How do we make money from our comparison?

We have commercial agreements with some of the companies in this comparison. We get paid commission if we help you take out one of their products or services.  Find out more here .

You do not pay any extra and the deal you get is not affected.

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Cheap Holiday Money At Your Fingertips

Best Pound to Euro Rates

Europe is the most popular travel destination for Brits. According to data from The Guardian, 9 of the top 10 travel destinations for both adults and families use the Euro as a currency. Therefore, the Pound to Euro is the most common pairing in the UK, especially nowadays where you can find many places to buy Pounds online.

Using our comparison below, travellers can find the cheapest companies and the best travel money exchange rates to exchange their GBP to EUR:

Best Pound to Euro Exchange Rates Provider:

Wise multi-currency card for travelers, using wise’s multi-currency card is better than cash..

• Excellent Rates: Get real-time exchange rates with no hidden fees.
• Convenient: Spend in multiple currencies and make free international ATM withdrawals.
• No Need for Cash: Use your Wise card worldwide, safer and easier than carrying cash.
• Great Exchange Rates : Get the  Wise exchange rates .

💳 Learn More & Apply Now

Compare additional providers gbp to euro:, buy euro for 1,000 pounds; travel money – additional providers.

Are these rates accurate? Yes, however …

Even though we have put our best efforts to compare the most accurate Pound to Euro exchange rates, please bear in mind we cannot promise these will necessarily be the rates or that the company ranked on top is indeed offering the best Pound to Euro exchange rates for the following reasons:

• The currency market is volatile and the mid-market exchange rates are constantly changing.
• We only get our rates on an hourly basis from a data feed.
• Some companies may be offering promotions that aren’t inputted into our data.
• We are only human and mistakes may occur.

Below you can find some of the most popular destinations to travel around Europe:

Travelling to Spain – Gov.UK’s Recommendation

Read the recommendation here: https://www.gov.uk/foreign-travel-advice/spain

UK embassy in Spain:

Consulado General Britanico, Madrid

• Address: Torre Espacio, 28046 Madrid, Spain
• Phone:  +34 917 14 63 00

Travelling to Spain – Cost Comparison

• A meal at an inexpensive restaurant would cost you around £10.34 (against £15 in the UK).
• A can of Coca-Cola would cost 2.4% less than you used to in the UK.
• A domestic beer would cost you 46.4% less than in the UK.
• If you are renting a car, keep in mind that gasoline is a bit cheaper, around 9.8% less expensive than in the UK.

In general, Spain is less expensive than the UK.

Data from Numbeo , and various travel sites.

Travelling to Spain – Popular Destinations

These are the most popular destinations in Spain:

• Barcelona –  a perfect mixture of Catalan culture, tremendous architecture, and a busy nightlife, make Barcelona a very attractive place for tourists.
• Majorca – a perfect Island to spend you Spring Break or a nice holiday with your family. With a variety of mountains, beaches, and historic structures, everyone can find his place on this Island.
• Tenerife – Tenerife is the ideal place to visit the wildlife that Spain has to offer. The Loro Park is famous for their diverse collection of birds. This, combined with the tropical beach destinations in Los Gigantes is a wonderful addition to anyone’s plans.
• Madrid – Madrid is Spain’s capitol city that is full of wonderful art museums such as the Prado and the Reina Sofía. For a nice stroll visit the Parque del Buen Retiro where there are several Roman ruins to explore in the park.
• Fuerteventura – Fuerteventura is a wonderful vacation spot that has golf clubs, beaches, and nightlife. These locales, mixed with a historical cathedrals makes Fuerteventura a great vacation place to explore.

Based on Trip Advisor

If you need to move significant amounts of money to Spain, you would not be able to carry 10,000 Euro or more without declaring it.

Travelling to France – Gov.UK’s Recommendation

Read the recommendation here:  https://www.gov.uk/foreign-travel-advice/france

UK embassy in France:

Consulat Britannique, Paris, France

• Address: 35 Rue du Faubourg Saint-Honoré
• Phone:  +33 1 44 51 31 00

Travelling to France – Cost Comparison

• A meal at an inexpensive restaurant would cost you around £12.86 (against £15 in the UK).
• A 0.33 liter of Coca-Cola would cost 37% more than you used to in the UK.
• A beer would cost you 14.3% more than in the UK.
• A pack of cigarettes would cost you 27.5% less than in the UK.

In general, France is slightlyless expensive than the UK.

Data from  Numbeo , and various travel sites.

Travelling to France – Popular Destinations

These are the most popular destinations in France:

• Paris –  Paris is one of the most romantic cities on the world that is full of famous monuments such as the Eiffel Tower and museums to include the Louvre. Additionally, Paris is close to famous palaces like Versailles and artists home’s including Claude Monet’s house in Giverny. All in all, tourists can have a wonderful, cultured, and culinary experience when travelling to Paris.
• Aix-en-Provence – Aix-en-Provence is a locale that is famous for Rose wines, sunflowers, and lavender fields. The city itself is constructed ontop of many Roman ruins, which makes each café and restaurant a wonderful experience for dining outside in the Summertime.
• Nice – Nice is one of the gems of the Mediterranean. Here, it is wise to enjoy the beach resorts and proximity to Monaco for some of the world’s best gambling.
• Corsica – Corsica is a fantastic place to vacation with views of the Mediterranean. Many famous movies such as the Count of Monte Cristo were filmed here due to the unique caves and teal waters. Corsica is a three-hour ferry ride from Marseille and absolutely worth a visit.
• Avignon – Avignon is home to where the Pope resided for nearly one-hundred years. There is a delightful castle as well that has a view of the famous Pont d’Avignon bridge that even has a song written about it. For a unique mixture of history and culture, it is absolutely worth a visit to Avignon.

Based on  Trip Advisor

Travelling to Germany – Gov.UK’s Recommendation

Read the recommendation here:  https://www.gov.uk/foreign-travel-advice/germany

UK embassy in Germany:

• Wilhelmstraße 70 – 71, 10117, Berlin, Germany
• Phone:  +34 917 14 63 00

Travelling to Germany – Cost Comparison

• A meal at an inexpensive restaurant would cost you around £11.19 (against £15 in the UK).
• A can of Coca-Cola would cost 32.7% more than you used to in the UK.
• A 0.5 liter of beer would cost you 23.4% less than in the UK.
• If you are renting a car, keep in mind that gasoline is a bit cheaper, around 2% less expensive than in the UK.

In general, Germany is less expensive than the UK.

Travelling to Germany – Popular Destinations

These are the most popular destinations in Germany:

• Berlin –  Berlin is a unique city due to its controversial history. Touring the musuems from WWII is a moving experience that allows visitors to learn a great deal about the war. Berlin is also famous for its street art, which is a great idea for visiting on a tour through Berlin’s residential and commercial buildings.
• Munich – Munich has preserved more of its older architecture, which makes landmarks such as the Glockenspiel sound at noon with a show worth seeing. There are many beer gardens in Munich to enjoy in the Summer and breweries that have been running since the 13 th century.
• Cologne – Cologne is a delightful, yet smaller German city to experience. There are many Roman and Gothic architectural structures for tourists to experience. The museum of Applied Art and Musuem Ludwig are both memorable museums to visit whilst in Cologne.
• Frankfurt – Frankfurt is a aiport hub, yet it also does have tourist sights to offer. The opera house is absolutely worth a visit along with the market in the central square.
• Leipzig – If you are fascinated with Classical Music, then it is wise to visit Leipzig. Here there are many music festivals and conservatories to visit. Additionally, the Leipzig Zoo is delightful for travellers who want to enjoy a day outdoors.

Travelling to Italy – Gov.UK’s Recommendation

Read the recommendation here:  https://www.gov.uk/foreign-travel-advice/italy

UK embassy in Italy:

• Address: Via Venti Settembre, 80/a, 00187 Roma, Italy
• Phone:  +39 06 4220 0001

Travelling to Italy – Cost Comparison

• A dinner at an inexpensive restaurant would cost you around £12.93 (against £15 in the UK).
• A can of Coca-Cola would cost 19.7% more than you used to in the UK.
• A domestic beer at a restaurant would cost you 4.3% less than in the UK.
• Gasoline costs a bit more, around 3.2% more expensive than in the UK. Remember this if you want to rent a car.

In general, Italy is more expensive than the UK.

Travelling to Italy – Popular Destinations

These are the most popular destinations in Italy:

• Rome –  Rome has some of the most significant ruins from the Roman Empire. The Colosseum and the Forum are absolutely worth visiting. Additionally, the Vatican is the centre of the Catholic Church and has years of preserved Art History to enjoy.
• Milan – Milan is known as the city of fashion. Many of Italy’s most famous designers are from there. If you are looking for gourmet food and shopping that is combined with divine architecture, Milan is a great place to visit.
• Venice –Venice is one of the most Romantic places to visit due to the narrow pathways with picturesque buildings. The gondolas with a view of the city from the canal and the sea in front are a signature experience of Venice.
• Florence – Florence is a famous city for the arts. One great place to visit is the Galleria dell’Accademia, which has works by Michelangelo. The Ponte Vecchio Bridge is one of the signature places to visit in the city with a view of the river with architecture from era’s past.
• Positano – Positano is one of the signature places to visit whilst travelling through the Amalfi Coast. The view from the slopes of the ocean below is divine. Here, travellers will find relaxation, hotels, art galleries, shopping, and flavourful cuisine.

Travelling to Belgium – Gov.UK’s Recommendation

Read the recommendation here:  https://www.gov.uk/foreign-travel-advice/belgium

UK embassy in Belgium:

British Embassy Brussels

• Address: Avenue d’Auderghem 10, 1040 Bruxelles, Belgium
• Phone:  +32 2 287 62 11

Travelling to Belgium – Cost Comparison

• An inexpensive meal at a restaurant would cost you around £15.51 (against £15 in the UK).
• A Coca-Cola in a restaurant would cost 27% more than you used to in the UK.
• A bottle of water (1.5 liter) would cost you 29.2% less than in the UK.

In general, Belgium is less expensive than the UK.

Travelling to Belgium – Popular Destinations

These are the most popular destinations in Belgium:

• Brussels –  Brussels is a very global city. It is home to some of the world’s most important international organizations. Additionally, it has a delightful culinary scene due to the high quality chocolate that Belgium produces. Take a chocolate walking tour through the Hotel de Ville and the Grand Place to enjoy the unique streets of Brussels.
• Antwerp – Antwerp is a smaller historic city, yet it has quite the beer culture that flocks many beer lovers to visit. There is a great historic walking tour to explore there along with aged cathedrals such as: Cathedral of Our Lady to enjoy.
• Bruges – Another very popular beer city is Bruges. The ideal areas to explore there are: the Historic Centre, Burg Square, and De Halve Maan Brewery for a sample after a long day of tourism.
• Ghent – Ghent is a great example of a small, yet quaint Belgian city. The city has a delightful river front that has architecture from several centuries ago. The best areas to visit are: St. Bavo’s Cathedral and Graslei and Korenlei for historic walking areas.
• Ostend – Ostend is a nice place to venture to for some time on the coast. There, you will find many interesting military museums, which will help you learn a great deal about the history of the city. Tourism, mixed with relaxation makes Ostend a nice find in Belgium.

Travelling to Netherlands – Gov.UK’s Recommendation

Read the recommendation here:  https://www.gov.uk/foreign-travel-advice/netherlands

UK embassy in the Netherlands:

Embassy of the United Kingdom – The Hague

• Address: Lange Voorhout 10, 2514 ED Den Haag, Netherlands
• Phone:  +31 70 427 0427

Travelling to Netherlands – Cost Comparison

• A meal at an inexpensive restaurant would cost you around £12.93 (against £15 in the UK).
• A can of Coca-Cola would cost 30.6% more than you used to in the UK.
• A domestic beer would cost you 4.2% less than in the UK.
• A pack of cigarettes would cost you almost 45.6% less than in the UK.

In general, the Netherlands is less expensive than the UK.

Travelling to Netherlands – Popular Destinations

These are the most popular destinations in Netherlands:

• Amsterdam –  Amsterdam has delightful canals that are ideal for dinner cruises. Amsterdam also has great museums such as the Van Gogh Museum and the Anne Frank Museum for travellers to experience.  Additionally, the night life is quite famous in Amsterdam, making the city popular for younger individuals from around the globe.
• The Hague – The Hague is famous for being the home to many different international organizations. Additionally, the Hague is close to famous palaces such as Paleis Het Loo where the royal family formally resided. For a smaller coastal city feel, Den Hague is a great place for tourism.
• Utrecht – Utrecht was formally one of the most significant cities in the Netherlands. The Rhine river flows through the city that is full of architecture that dates back to the 12 th and 13 th century. The city boasts a world-famous university called Utrecht University that is delightful to walk through and then stop by the river side cafes for a meal.
• Maastricht – Maastricht is an old, historic city that is known for the vendor markets that produce local crafts and antiques to locals and tourists alike. There are two town squares to enjoy with bars, restaurants, and cathedrals called Markt and the Vrijthof.
• Rotterdam – In the 13 th century, Rotterdam was a Medieval city; however, now, it is one of the industrial, yet modern centres of the Netherlands. For foodies, it is wise to visit the Markthal Rotterdam. The Central Station and Zoo are other ideal landmarks to enjoy whilst visiting Rotterdam.

Travelling to Portugal– Gov.UK’s Recommendation

Read the recommendation here:  https://www.gov.uk/foreign-travel-advice/portugal

UK embassy in Portugal:

Embaixada Britanica

• Address: R. de São Bernardo 33, 1200-667 Lisboa, Portugal
• Phone:  +351 21 392 4000

Travelling to Portugal – Cost Comparison

• A meal at an inexpensive restaurant would cost you just £8.58 (against £15 in the UK), which is 42.8% less than in the UK.
• A can of Coca-Cola would cost 23.1% less than you used to in the UK.
• If you choose to order a domestic beer in a restaurant, it would cost you 52.3% less than in the UK.
• If you like orange juice, you don’t have to worry. Oranges are 36.0% cheaper than in the UK.

In general, Portugal is less expensive than the UK.

Travelling to Portugal – Popular Destinations

These are the most popular destinations in Portugal:

• Lisbon –  Lisbon is a divine coastal city that is complete with Medieval castles, seafood, and ocean views. Architecture is a large trend in Lisbon, which is why sights such as the Santa Justa Lift are uniquely hidden in the city, but ideal for a visit. Plan to spend at least two or three days in Lisbon to encounter the hidden gems that the historic city and Portugal’s capitol has to offer.
• Porto – Porto is home to many of the best Port Wine Cellars in the world. An ideal day in Porto consists of walking down the hilled city to the port of Ribera, walking across the quaint bridge to the harbour where there are historic sail boats, and taking a boat along the harbour with the view of the Medieval architecture and Port Wine Cellars on either side. Porto is often forgotten; however, for foodies, it is a paradise boasting an incredible history to match.
• Faro – Faro is in Southern Portugal and is ideal for the golf/resort holiday. For those that enjoy diving, there are many hidden coves to explore whilst in Faro for your enjoyment. Close to Faro is the Albufeira, which is a famous fishing village from the 8 th century Moors and Estoi where Roman ruins are still present.
• Azores – The Azores are several islands that are one of Portugal’s ideal vacation spots. Here, many families own unique resort properties that allow for true isolation and relaxation. For any water sports and hiking, the Azores offer outdoor sports mixed with historic town centres. For a true island vacation in Portugal, the Azores are an ideal place to explore.
• Madiera –In comparison with the Azores, Madiera is often the archipelago that is forgotten when contemplating visiting Portugal. For tourists who are looking for beach resorts, hiking, and restaurants with divine views of the ocean, Madiera offers a great pace of life to enjoy whilst on holiday.

Exchanging Large Sums Via Bank

When dealing with large transactions, opting for an international wire transfer from the UK to European countries might be more advantageous. This method proves particularly beneficial for expenses such as hotel payments, which may involve substantial fees when paid through cards. Furthermore, certain service providers present the option of multi-currency accounts, enabling you to utilize the transferred funds seamlessly during your travels.

Euro Rate Comparison

We appreciate the time you spent reading our guide for travellers to the EU zone who are willing to find the best Pound to US Dollar exchange rates. Our first assignment is to provide to our readers the most accurate content by improving the site constantly. In the future, keep in mind that the best travel money provider now isn’t necessarily going to stay at the top forever. Be sure to compare holiday money exchange rates every time you want to buy Euros to find the best GBP to EUR exchange rates.

Enjoy your amazing trip to Europe!

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Today's Best British Pound / Euro exchange rate: 1 GBP = 1.1743 EUR

Latest gbp/eur exchange rate data, converter, calculator tools and fx history, currency menu.

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Personal Finance

5 best ways to exchange foreign currency.

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Cashless transactions are becoming more commonplace worldwide as consumers increasingly use debit and credit cards, mobile payment apps, and other types of digital payments for everyday spending. Still, you might want to exchange some U.S. dollars for foreign currency when traveling abroad—either because cash is still king at your destination or you prefer globetrotting with at least a little cash in your pocket.

There are multiple ways to exchange currency, but the goal is to get the best exchange rate with the lowest fees—something easier said than done. To help point you in the right direction, here are our tips for exchanging currency and finding the best deals.

5 ways to exchange foreign currency

1. get cash at your bank or credit union before and after your trip.

Many banks and credit unions sell foreign currencies without charging a fee beyond the exchange rate. You can order currency by phone, online, or in person at your local branch and arrange to pick it up or get it delivered.

Some currencies will be "in stock" and available to exchange immediately, while others may require a few days to process. Once you return from your trip, you can convert any unused currency back to dollars—or stash it somewhere safe for your next adventure.

2. Withdraw cash from your bank's in-network ATMs

Once you reach your destination, an Automatic Teller Machine (ATM) is the best way to get currency to spend locally. ATMs generally offer competitive exchange rates, and you can avoid (or at least limit) fees by using ATMs in your bank's network. You can save on fees by withdrawing larger amounts of cash once or twice rather than making frequent, smaller withdrawals. Check with your bank to find out your daily and per-transaction ATM limits, and request an increase if you plan to access more cash.

3. Use a money transfer app

Money transfer apps let you send money to friends, family, and merchants worldwide. Most transfers are completed within minutes. The apps are free to use (though you'll generally pay a fee if you use a credit card instead of a linked bank account to fund the transfer). You may also pay a fee if the cash needs to change currencies.

4. Online currency converters

Another option is to order cash through an online currency converter. However, you may get a poor exchange rate. Also, the pick-up and delivery fees could be higher than the amount your local bank charges, depending on how much currency you exchange.

5. Airport kiosks and currency exchange counters

Airport kiosks, hotels, and tourist centers are convenient ways to exchange currency. However, the high fees and poor exchange rates mean less cash in your pocket. If you can plan ahead, you'll get a better deal exchanging currency at your local bank or credit union.

More about foreign currency

How does currency exchange work.

Currency exchange lets you swap one currency for another, such as trading U.S. dollars (USD) for euros. Because currency values continuously fluctuate, the exchange rate you receive depends on what's happening in the global markets at any given moment. It's rarely a 1:1 ratio. Instead, one USD might buy, for example, 0.93 euros, 16.32 Mexican pesos, or 151.83 Japanese yen.

Banks that exchange foreign currency for free

Many banks let you exchange USD for foreign currencies (and vice versa) for free, but you may need to be a customer—or have a premium bank account plan. Still, remember that the exchange rate you receive may include the bank's profit, fees, costs, charges, or other markups in the spread—meaning you're still paying for the exchange. Check with your bank for details.

Where to get foreign currency internationally

ATMs are often your best bet for getting foreign currency while traveling internationally. ATMs generally offer competitive exchange rates, and if you use ATMs in your bank's network, you can limit fees. Remember that the ATM (or its affiliate bank) may also charge a fee of several dollars or more. ATMs in touristy areas sometimes have higher fees than those in non-touristy parts of town.

Places to avoid exchanging currency

You won't have to go out of your way to trade in your dollars at airport kiosks, hotels, or tourist centers, but they are some of the worst places to exchange currency; the high service fees and poor exchange rates mean you'll get less bang for your buck. (Of course, it's best to avoid currency exchange shops in remote or sketchy areas—not only because of excessive fees and unfavorable exchange rates but also because of the security risks.)

Still, you can try negotiating for a better rate or lower fees—but you'll need to know the current exchange rate going into the transaction. A quick Google search will display real-time exchange rates. For example, a "USD to EUR" search shows that $1 buys 0.93 euros (as of May 5, 2024). You can also use an online currency converter like Oanda or Xe to view live exchange rates.

Alternatives to exchanging currency

Credit and debit cards are simple alternatives to exchanging currency. Many credit cards—and some premium debit cards—offer travel rewards and protection benefits, making them an even more attractive option. Still, there are a few things to keep in mind when using your card internationally:

• Credit and debit cards aren't accepted everywhere.
• Some merchants don't accept certain credit card networks, even if they accept others. Of the four main U.S. payment networks (Visa, Mastercard, Discover, and American Express), Visa and Mastercard are the most widely accepted cards globally.
• Many card issuers impose a foreign transaction fee that can add about 3% to your total costs—or $30 on a $1,000 hotel bill, for example. If you're a frequent traveler, consider getting a travel credit card with zero foreign transaction fees.
• Your card issuer may temporarily freeze your card or contact you if they see overseas card activity. To avoid inconvenience, set up a travel notification.
• Merchants may offer the option to pay in USD or the local currency (called dynamic currency conversion). Paying in USD might seem the better choice; however, you'll almost always get a better rate by choosing the local currency (even if the merchant tells you otherwise).
• Credit card cash advances are an expensive way to get currency and should be considered a last resort.
• A banking app can help you monitor your account activity in real-time and alert you of unauthorized transactions.

TIME Stamp: Know your options before you travel

Before you travel internationally, find out if the areas you’ll be visiting accept credit cards. If so, you may not need any foreign currency (unless the idea of traveling without cash makes you uncomfortable). Consider charging larger purchases, like hotels and organized tours, and getting cash at an in-network ATM for everyday expenses like coffee, street vendors, and tips.

Frequently asked questions (FAQs)

Can i exchange foreign currency at a bank.

You can exchange many—but not all—foreign currencies at a bank. Stable currencies, like dollars, euros, and British pounds, are generally easily exchanged worldwide. However, illiquid or heavily regulated currencies may be difficult (or impossible) to exchange in many parts of the world.

How do I exchange foreign currency without a fee?

Currency exchange isn't free. You’ll pay for the service through a fee or a spread on the exchange rate (or both). Still, an ATM withdrawal can be a low-fee option when using an in-network ATM. (Check your bank's app to find an ATM near you.) Before your trip, consider asking your bank to increase your daily and per-transaction withdrawal limits. That way, you can make fewer trips to the ATM and save money on fees.

What is needed to exchange foreign currency?

One of the easiest ways to get foreign currency is via an ATM withdrawal; you only need your ATM card and PIN. If you exchange currency anywhere else, you'll need a valid government-issued ID, such as a driver's license or passport. Depending on the exchange service and the amount of currency you exchange, you may also need proof of your address or other documentation.

What is the procedure for foreign currency exchange?

Before your trip, you can order foreign currency from your bank or credit union to pick up at your local branch. (You may also be able to have it delivered, although there may be a delivery fee.)

Another option is an online currency converter that delivers cash to your home address, but the rate will likely be less favorable than your bank offers. Once out of the country, your best option is to use your bank's ATM network.

Whether heading out of the country or returning from a trip, it's generally best to avoid exchanging currency at airport kiosks, hotels, and tourist centers; skip the high fees and poor exchange rates and keep more money in your pocket for your next adventure.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

How to choose a card for European travel

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Key takeaways

• Make sure your credit card will be widely accepted at your destination, with capabilities for chip-and-PIN transactions.
• Save money by going with cards that don’t charge foreign transaction fees and offer travel insurance protection.
• Some cards also offer welcome bonuses that could offset your costs and credits for the Global Entry program that can expedite your entry into the U.S. when you return from your trip.

Europe continues to be a top travel destination for 2024, but even though inflation in the U.S. is slowing , it’s still a factor when it comes to European travel expenses . That’s why it’s all the more important to remember that your dollars (and points) can often go a lot further abroad.

Whether traveling during the high season or snagging off-peak discounts, you can enjoy all the best that Europe offers without breaking the bank. But why just lean on a strong dollar when you can tack on additional savings with your credit card? From covering airfare and hotels to protecting your biggest travel expenses, the right credit card can make your trip cheaper and more convenient.

But with so many card options, it’s easier said than done. Luckily, we have you covered with questions you should ask and the features you should look for as you choose a card for traveling to Europe.

How to choose the best credit card for European travel

The right travel credit card will save you money while making it easy to accumulate and redeem rewards. The following steps can help you narrow down your choices and find the best travel card to add to your wallet before you head to Europe:

1. Compare cards that are widely accepted

First, make sure any credit card you take to Europe is widely accepted. The Visa and Mastercard networks, for example, offer wider acceptance abroad than Discover and American Express.

While you can certainly bring your Amex and Discover cards, it’s best to pack a backup. That way, you won’t get stuck in a stressful situation where you can’t pay for something because your card isn’t accepted.

Does your card have chip-and-PIN capability?

If you use your credit card in Europe, you might be surprised when the cashier asks for a PIN. Chip-and-PIN credit cards are more common in Europe and considered more secure than the chip-and-signature cards we have in the U.S. But not to worry — lots of popular U.S. credit cards are equipped with this technology. They include the Chase Sapphire Preferred® Card , Citi Premier® Card (No longer available) and Bank of America® Premium Rewards® credit card .

To find out if your credit card is chip-and-PIN enabled, call your issuer and ask if you can set up a PIN. Many rewards credit cards allow you to set a PIN on activation. The last thing you want during your trip to Europe is for your card to be rejected because you don’t have PIN capability. Find out ahead of your trip and set it up, if possible.

2. Prioritize cards with substantial welcome bonuses

If you’re headed to Europe, consider picking up a new credit card offering a lucrative welcome bonus. Whether you want to cover some of your travel expenses or use your travel spending to meet credit card spending requirements , the timing could work out to your advantage.

A hotel credit card in particular can help you cover a few hotel nights. The Marriott Bonvoy Boundless® Credit Card * is an excellent pick, because it comes with an intro offer of up to 250,000 bonus points for five free night awards (valued at up to 50,000 points each night) after you spend $5,000 on purchases in your first three months from your account opening. The card’s $95 annual fee is reasonable, especially if you’re saving hundreds of dollars on hotel bookings.

An airline credit card welcome bonus can save you even more money by covering the cost of airfare to Europe. For example, the United℠ Explorer Card * offers 50,000 bonus miles after you spend $3,000 within the first three months of account opening. This bonus could cover one or more round-trip tickets to Europe depending on fare class and travel dates.

Transferable rewards earned with the Capital One Venture Rewards Credit Card and Citi Premier can provide even more flexibility, allowing you to transfer your points to frequent flyer programs with the issuer’s partners. According to Bankrate’s latest valuations , transferring points to high-value partners is one of the most lucrative ways to get the most out of your points.

The Citi Premier (No longer available) bonus is among the highest for transferable points, offering 60,000 points after you spend $4,000 within the first three months of account opening. You can use those points for flights to Europe through transfer partners like:

• Avianca for LifeMiles
• Air France/ KLM for Flying Blue miles
• Turkish Airlines for Miles&Smiles
• Virgin Atlantic Flying Club for Virgin Points

Virgin Atlantic has one of the cheapest award tickets to Europe, starting at just 10,000 miles each way in economy class.

3. Make sure the card’s rewards structure offers bonus points on travel and dining

Like most people who travel abroad for vacation, you might be tempted to splurge a little during your trip to Europe. You’ll want a credit card that will reward you generously for these purchases. Your biggest expenses will likely be travel and dining, which is why a card like the American Express® Gold Card would be ideal to bring along. The card earns 4X points on dining worldwide and 3X points on flights booked directly with airlines or through the Amex Travel portal.

If you’re looking for even higher rewards potential, the Capital One Venture X Rewards Credit Card offers 10X miles on hotel and rental car bookings through Capital One Travel. You’ll also earn 5X miles on flights booked through Capital One Travel and 2X miles on all other purchases. So whether you’re planning to shop till you drop or splurge on hotels, you’ll earn generous rewards with this card.

4. Avoid cards with foreign transaction fees

Earning lots of points during your Europe adventure should be a priority, but not if you have to pay 3 percent or more in foreign transaction fees . You can avoid these pesky fees by opting for a credit card with no foreign transaction fees .

Most travel rewards cards, like the popular Sapphire Preferred Card and the Venture Rewards Credit Card, waive these fees, allowing you to earn points and protect your purchases without an added cost.

But you don’t need to commit to a travel rewards card with a high annual fee to get this perk. Some of the best no-annual-fee cards — like the Capital One SavorOne Cash Rewards Credit Card — also offer no foreign transaction fees when you use your card abroad.

Most importantly, you’ll want to be aware of popular credit cards that don’t waive this fee, like the Citi Double Cash® Card and Chase Freedom Unlimited® *. Avoid the penalty for using your credit card abroad by skipping these cards in favor of ones that waive the fees.

5. Get a card that improves your travel experience

Your credit card should be helpful not just when you’re shopping in Europe, but also while you’re dealing with the hassles and headaches that come from navigating airports, public transportation and more. The following questions can help you prioritize a card that makes traveling less stressful :

What kind of travel protections does this card offer?

Many people who travel internationally, including to Europe, buy travel insurance to protect their trip. And it’s a good idea: If your trip is canceled or interrupted due to illness or other covered reasons, insurance will reimburse any non-refundable travel expenses. This layer of protection can save you thousands of dollars in an emergency.

But you don’t have to pay for this safety net if you have the right credit card in your wallet. Quite a few credit cards include travel protection such as trip interruption or cancellation coverage, trip delay reimbursement, travel accident insurance, lost luggage reimbursement and primary rental coverage.

The Chase Sapphire Reserve® offers some of the most comprehensive coverage available if you charge your travel expenses to the card, including:

• Emergency evacuation and transportation coverage of up to $100,000 per trip
• Primary auto rental collision damage waiver of up to $75,000 for theft or collision damage
• Trip cancellation/interruption insurance of up to $10,000 per person and $20,000 per trip
• Lost luggage reimbursement of up to $3,000 per person
• Trip delay reimbursement of up to $500 per ticket

By choosing a card with robust, built-in travel protections, you can at least have peace of mind that you’ll be covered if not everything goes smoothly during your trip.

Will you get a Global Entry fee credit from this card?

Having Global Entry can make your return home from Europe much more pleasant. This trusted traveler program gets you expedited entry into the U.S. While everyone else stands in a long line at passport control, you can skip to the Global Entry kiosk, scan your passport and get waved through in a matter of minutes. If you have Global Entry, you’ll also be enrolled in TSA PreCheck, which gets you into an expedited line for security screening in the U.S. where you keep your shoes and light jacket on.

The Global Entry application fee is a downright bargain at just $100 for five years. However, you can get this fee reimbursed with certain credit cards . They include the Capital One Venture, Chase Sapphire Reserve and United Explorer Card. The Global Entry application fee credit alone offsets the first year’s annual fee on a couple of these cards. While it’s not the only benefit you should consider when choosing a travel credit card for European sightseeing, enough credit cards offer it that it’s worth being mindful of.

Will this card make airport travel easier?

Navigating new airports is often one of the most stressful parts of vacationing abroad, especially if you’re visiting large hubs like those in Paris, Madrid, Istanbul and London. Many premium travel credit cards offer airport lounge access that can make it easier to relax at an airport while you’re waiting on your next flight. These airport lounges can include everything from free food and kids rooms to shower amenities and full-service bars.

The best cards for airport lounge access when it comes to European travel will typically include airline-specific lounge access or access to a broader program like Priority Pass . With Priority Pass Select, you’ll have access to over 1,300 airport lounges worldwide as opposed to those just tied to one airline.

The Platinum Card® from American Express is widely considered a top choice for luxury travel benefits, and its robust international airport lounge access is one of the main reasons why. With this card, you’ll get access to:

• The Centurion Network, which includes Amex Centurion Lounges and Escape Lounges
• Delta Sky Club lounges, when flying Delta
• Lufthansa lounges, when flying Lufthansa
• Priority Pass Select, which is the credit card-specific version of Priority Pass

Keep in mind that while the Amex Platinum beats out plenty of other cards when it comes to airport lounge access, it also comes with a hefty annual fee of $695. This fee likely won’t be worth it unless you plan on traveling frequently and have the annual spending to offset the fee.

The bottom line

Europe is becoming increasingly cashless, and traveling with a credit card is practically mandatory these days. While you can get by with any credit card, choosing the right one will make traveling much easier for you. You won’t have to worry about your card not being accepted, you’ll earn points as you spend and you won’t incur additional fees in the process. If you take it a step further, you can even improve your travel experience and offset the cost entirely. Best of all, you’ll have peace of mind and can focus on enjoying your trip.

Issuer-required disclosure statement *Information about the Marriott Bonvoy Boundless® Credit Card, United℠ Explorer Card has been collected independently by Bankrate. Card details have not been reviewed or approved by the card issuer.

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An ex-Wall Street banker who visited every European country picked 5 underrated ones he'd recommend over Spain, France, Italy, or Greece

• Travel blogger Lee Abbamonte has visited all 50 sovereign countries in Europe.
• As Americans gear up for summer travel, Abbamonte recommends avoiding certain travel hot spots.
• He said to check out Eastern Europe and Norway and avoid most of France, Italy, Spain, and Greece.

If you're an American planning to visit Europe this summer, you'll be one of millions of other US tourists heading across the pond.

With the start of summer around the corner, many have already booked trips to what travel blogger Lee Abbamonte dubs the Big Four — Spain, Italy, Greece, and France.

Abbamonte, 45, is about as well-traveled as it gets. He told Business Insider he was inspired to travel as much as he could after 9/11 , when many of his colleagues at a Wall Street firm owned by financial services giant Cantor Fitzgerald died during the collapse of the Twin Towers .

After 2001, Abbamonte went on to visit every country in the world, the North and South Poles, and every state in the US .

Abbamonte said his preferred method of travel — taking a road trip — has allowed him to visit enchanting parts of Europe that the typical American tourists may completely miss.

"You're on your own schedule," he said. "The roads are good, it's easy to drive, a rental car is relatively cheap, and you have ultimate freedom."

One of Abbamonte's favorite regions to explore by car is Eastern Europe, which is struggling to attract international tourists due to the ongoing war between Russia and Ukraine. In 2023, the European Travel Commission reported that after the outbreak of COVID-19 brought tourism to a halt, countries closest to Russia and Ukraine, particularly those in the Baltic region, have been the slowest to recover pre-pandemic tourism levels.

Nevertheless, here are five European countries that Abbamonte said offer fewer crowds and more perks, including yummy food, beautiful architecture, and stunning scenery.

Plus, if you've already booked your trip to Spain, Italy, Greece, and France, he highlighted some hidden gem spots off the beaten path.

There's more to Romania than meets the eye, according to Abbamonte.

Abbamonte recommends only a brief pit stop in Romania's capital, Bucharest, before driving through "awesome" regions like Transylvania, known for storied castles and medieval villages lined with cobblestone streets like Brasov.

"It's a great road trip country," he said.

Many people also don't realize Romania isn't landlocked, Abbamonte added, and actually has an epic coastline along the Black Sea with stunning port cities like Constanta.

Norway is beautiful in the winter, but it's a hiker's paradise in the summer, he said.

Norway in the winter may delight snowshoers and cross-country skiers. But Abbamonte, who isn't a fan of any kind of skiing, said the best time of the year to visit the Scandinavian country is in the summer.

"It has some of the best hiking in the world, especially in the summer," he said, name-checking the iconic boulder hike Kjeragbolten, the cliffside at Preikestolen, and the scenic lake views at Trolltunga in particular. "It's just awesome from top to bottom, and you just kind of get in a car and drive. It's amazing."

Another of his favorite Norwegian spots is the Lofoten Islands, an archipelago north of the Arctic Circle known for beaches, fishing, hikes, and mountain/rock climbing, and that travel experts previously told BI usually flies under the radar.

If you visit the Czech Republic, Abbamonte advised skipping Prague and making a beeline for smaller villages.

Though Abbamonte said Prague is one of his "favorite cities in the world," he said that to truly appreciate the Czech Republic — which most Czechs call Czechia — you have to get out of the capital.

"There's so much cool stuff outside Prague to see, and most people never leave the capital," he said.

Like Romania, Abbamonte added, the Czech Republic is an "awesome" place to take a road trip through many picturesque villages and small towns.

One of his go-to stops is Český Krumlov, known for its medieval architecture, river, and gardens.

Poland is beautiful and chock-full of 'life-altering' historic sites, he said.

In Abbamonte's experience, a lot of Americans sleep on Poland.

But the Eastern European country is worth visiting, he said, to explore urban areas like the river-side city Krakow and the port city Gdansk, as well as the capital, Warsaw, which was "rebuilt" after World War II.

Abbamonte also said one of the most valuable and emotional experiences people can have in Poland is touring concentration camps like Auschwitz-Birkenau .

"That's life-altering stuff, especially if you have relatives who were a part of it," he said. "I'm half Jewish, so it was really striking for me to be there knowing that some of my relatives' descendants fled to the United States."

Serbia is worth a trip for its capital, Belgrade, alone, Abbamonte feels.

Abbamonte is a fan of the entire Balkan region, which includes Bosnia, Montenegro, Slovenia, and others.

However, Serbia stands out to Abbamonte because he finds the capital city of Belgrade "to be the singular most underrated city in Europe."

His expectations of an Eastern European city that has experienced so much violence in recent history were not high, he said.

"But then you get there, and it's beautiful," he added. "It's right on the river, it has great restaurants, a great bohemian scene, and a lot of coffee shop, and bars."

But at night, the city truly comes alive, Abbamonte said.

"It turns into this raging nightlife place, and it's beautiful," he said.

Serbia also has "beautiful mountain towns," Abbamonte added, which offer more chances to meet friendly and insightful locals.

"I find the whole country to be fascinating and the people to be interesting because they have dealt with a lot," he said.

Abbamonte tells people to seek out hidden-gem spots within heavily touristy countries including Spain, Italy, Greece, and France.

Abbamonte also has plenty of off-the-beaten-path tips for the handful of countries he calls the Big Four: France, Spain, Greece, and Italy.

If you're booked to go to France this summer, he recommended visiting Biarritz, a coastal town close to the border with Spain.

"Really only French people go there," he said. "But that's why I like it — because it has a real local old-money, Grace Kelly kind of feel."

In Spain, one of Abbamonte's favorite places to visit is A Coruña, a port city in northwest Galicia.

"It's a beautiful coastal town that nobody goes to, and it's awesome," he said.

Abbamonte also suggested checking out the smaller Italian villages of San Gimignano and Montalcino. If you're looking for the Lake Como experience, he added, there are plenty of other lakes in the Dolomite Mountains that are just as beautiful.

In Greece, Abbamonte said Meteora in Thessaly is "otherworldly," with monasteries perched on rock cliffs, and US tourists sleep on a northern city called Thessaloniki.

"Most people have never been there or have ever heard of it or can spell it," he said. "It's a very cool city, pretty cheap, and interesting."

As for Greek islands, he recommended Hydra, which is quiet and car-free.

"It's just goats, donkeys, and walking," Abbamonte said. "It's a very cool place to go."

• Main content

Money blog: HSBC announces mortgage rate increases

HSBC has today announced wholesale rate hikes across its residential and buy-to-let mortgage product ranges. Read this and the rest of today's consumer and personal finance news below - and leave your thoughts in the comments box.

Monday 3 June 2024 19:45, UK

• Glitch that delayed 500,000 benefit payments 'fixed', HMRC says
• HSBC announces mortgage rate increases
• London could be set for second biggest listing in its history
• Virgin Atlantic launches new flight from Manchester to Las Vegas

Essential reads

• Your rights when deliveries or returns don't arrive - and why leaving instructions could jeopardise them
• What happens to our brains when we shop?
• Think twice before buying your holiday clothes from Zara
• Where is all the money going? Here's who is really responsible for concert tickets going crazy
• Would tourist tax put you off visiting Scotland?
• Best of the Money blog - an archive

Ask a question or make a comment

Royal Mail's incoming owner has refused to rule out stamp price hikes under his leadership. 

In fact, Czech billionaire Daniel Kretinsky seemed to suggest there might be more increases to come. 

"I can't make unconditional commitments," he told The Times when questioned on the topic. 

"[If] your circulation is 50% of what it was … you either need to go home, or you need to increase the unit price and hope that people will pay for it. Because if not, you are making losses.

"You can be loss-making for a year or two, but you can't be in a loss for 20 years. It's simple maths. There's no mystery to it." 

First class stamp prices have more than doubled since 2018 from 67p to £1.35. 

The businessman, nicknamed the Czech Sphinx, had his £3.6bn offer accepted by the postal service's parent company, International Distribution Services, last week. 

It said the agreement included a series of "contractual commitments" to protect public service aspects of the Royal Mail - such as its universal service obligation to "one-price-goes-anywhere" first-class post six days a week.

Many were shocked by the deal, with Royal Mail reporting losses of £1m a day in recent years. 

You can read more about the Czech Sphinx below...

A major error that meant 500,000 families did not receive their scheduled child benefit today has been "fixed", HMRC has said.

In a post on X, HMRC said affected families would get the money on Wednesday morning, two days after the payments were due...

Multiple readers have got in touch to say they had been affected by the problem, which meant almost a third of payments scheduled for today were not made.

Reader Susan1984 said: "When should we expect to receive the missing payment? This has left not just me but so many more families with kids completely stuck for food and fuel this morning."

Earlier, HMRC apologised and said it was working urgently to resolve the issue, which would not affected payments scheduled for tomorrow (see post at 14.41).

Child benefit is usually paid every four weeks on a Monday or a Tuesday at a rate of £25.60 for an eldest or only child and £16.95 for each additional child.

The bank has today announced wholesale rate hikes across its residential and buy-to-let mortgage product ranges. 

The new rates, which come into effect tomorrow, will be applied largely across its two, three and five-year fixed rates for purchase and remortgage. 

However, a number of rates available to existing HSBC customers looking to switch will also see increases. 

Brokers say more lenders could increase rates this week. 

This is thanks to an uptick in swap rates due to hopes fading for a cut to the base rate set by the Bank of England in June. 

Here is what some industry insiders told Newspage...

The dreaded 'higher for longer' scenario is no longer a mere notion: it's the harsh reality for many. It looks like these elevated rates are here to stay for the foreseeable future. Ranald Mitchell, director at Charwin Private Clients

We can now expect more awkward conversations with clients who have read that rates are coming down and inflation is under control. HSBC have been fairly competitive recently so the hope is that they just need to turn the tap off a little to catch up and this isn't an upward trend that will continue into the summer period. David Stirling, independent financial advisor at Mint Mortgages and Protection

HSBC is one of several lenders to already have announced changes this week. Even with the higher rates on offer, I would not suggest waiting in the hope of a drop any time soon. My advice to borrowers is take control of the situation and start the process of arranging a new deal as early as possible, secure a rate and, if a better one materialises, change to it. Simon Bridgland, broker/director at Release Freedom

Child benefit payments have not arrived on time for approximately half a million people.

Almost a third of payments scheduled for today were not made - and we've had multiple readers get in touch to say they've been impacted.

HM Revenue and Customs (HMRC) has apologised and said it is working urgently to resolve the issue.

"We're sorry that some customers' child benefit payments have not arrived as scheduled and we are working urgently to resolve the issue," said an HMRC spokesperson.

"The issues that caused payment problems today will not impact payments scheduled for tomorrow."

Child benefit is usually paid every four weeks on a Monday or a Tuesday at a rate of £25.60 for an eldest or only child and £16.95 per additional child.

Some people may receive the benefit weekly, for example if they are a single parent or receiving certain other benefits, such as universal credit.

HMRC added on X that there was "no need for customers to call us" and it will provide updates on the social media platform.

As of August 2023, 6.91 million families were in receipt of child benefit payments.

Reader Sam E said: "No warning, complete denial, no update, just endless worry for those who rely on the benefit. The denial in particular is an insult. How long will it be until it's sorted?"

Last week, the Scottish Parliament passed a bill meaning local authorities can set an additional charge for overnight accommodation. 

For tourists heading to Scotland, that means an extra fee for staying hotels, bed and breakfasts and holiday lets.

According to Visitor Levy (Scotland) Bill, the fee will be a percentage of the cost of a hotel or other room.

For instance, a 1% levy on a £200 booking means a visitor would pay £2 in tourist tax.

We asked our followers in LinkedIn if the tourist tax would put them off visiting the country. 

The majority of them (59%) said it wouldn't stop them from taking a trip there - but 41% would think twice.

Any charges or levies are not expected to come into effect until spring 2026, as councils need to consult local businesses before carrying out an 18-month implementation period.

Those receiving disability benefits will not pay any charges, with children and young people also exempt.

Manchester, Bournemouth, Christchurch and Poole already charge people to stay the night. 

Manchester's £1-a-night City Visitor Charge was introduced last April, and is estimated to have raised around £2.8m in its first year.

European hotspots like Barcelona and Venice also have tourist taxes, with the Spanish city charging visitors €3.25 if they're staying in official accommodation.

Your comments on LinkedIn :

"We love Scotland (I'm a Scot) but live close enough to drive up and do some shopping and stay over for a meal etc and we do so perhaps every six weeks or so. So I'm now classed as a 'tourist' even though I spend about £200 on a room - perhaps another £200 quid on a meal and drinks etc etc - not to mention the money we spend in the shops. And they want to charge us both £2.50 a night?" Paul Mclean

Many countries apply tourist taxes, so why should Scotland be any different?The big questions, for me, are how will the money be spent? Will it be spent directly benefiting the city or just vanish into government coffers? The other is who counts as a tourist. A foreign national visiting from a country outside of the UK would seem a sensible definition, but to charge domestic visitors would probably be shootings themselves in the foot somewhat. Scott Taylor-Barr

From my experience, Edinburgh is already one of the most expensive cities to visit. Greig Cahill

Hopefully the contributions are put towards the development of tourism, and/or will be used in the right ways. From my experience working in France, French nationals are very accepting of the tourist tax and in France, I see the logic in it. Let's hope it works... 🤞🏻 Jennifer Wightman

Virgin Atlantic has launched the first flight of its new service from Manchester to Las Vegas today. 

It makes Manchester Airport the only place outside of London to offer direct flights to America's west coast. 

Virgin Atlantic already has a daily connection to Sin City from London Heathrow, but launched the new route to support strong customer demand in the North West. 

It marks the airline's fourth service from Manchester to the US, building on established services of Orlando, New York and Atlanta. 

"Few places sum up the glitz and glamour of international travel like Las Vegas. Giving passengers in the North the opportunity to fly there directly and experience everything it has to offer is a real game-changer," Chris Woodroofe, managing director at Manchester Airport said. 

The launch has been marked with showgirls joining the flight's cabin crew and welcoming flyers at the check-in desk. 

Flight VS85 on an A350-1000 departed Manchester Airport at 9.50am. 

Rolex has increased the price of some of its watches in the UK after the cost of gold surged. 

The leading luxury watch manufacturer has hiked some prices by as much as 4%. 

One of its most famous pieces, the Daytona chronograph, will now cost you £38,700 - up from £37,200. 

The price of a yellow golf GMT Master II has also increased from £34,000 to £35,400. 

That's according to information on its UK website, which is tracked by Bloomberg. 

Typically, Rolex raises prices for its watches annually in January.

It increased prices in the UK by about 4% for some models at that time but left US prices unchanged.

It comes after the price of gold reached record highs earlier this year, coming in at £1,932.44 per ounce in April. 

Increased prices isn't the only thing that makes buying a Rolex difficult, though. 

Despite high prices, waiting lists for them have been rising, according to Watches of Switzerland. 

Some waiting lists can be years long, which is part of the reason they are so exclusive.

So even if you have a spare £35,000, you might still find it difficult to actually get your hands on one. 

By Sarah Taaffe-Maguire , business reporter

Eyes were fixed on the London Stock Exchange today for detail on a company that isn't even listed. 

Chinese-founded fast fashion giant Shein is set to publicly list in London, according to Sky's Mark Kleinman , a move that would make it the most high-profile public flotation for more than a decade and the second biggest initial public offering (IPO) in the history of the London Stock Exchange.  

A company "floats" when it offers shares on a stock market - comes into public shareholder ownership from being private - with an IPO being the first time shares are publicly available for purchase. 

There was no update posted this morning, but an announcement could come later this week or month. 

Drugs company GSK is the worst performer of the morning with its share price down 9.4% following news it will face jury trials in claims by thousands of people with cancer who say a heartburn drug it developed, Zantac, caused their illness.

Sterling buys €1.1714, down from the 19-month high of last week. Another high could be reached as the European Central Bank will likely cut interest rates on Thursday. One pound equals $1.2732.

A barrel of Brent crude, the benchmark oil price, is $81.43, low by the standards of the past three months. 

GameStop shares have surged after a Reddit account that drove the 2021 meme stock mania shared its position in the video game retailer. 

The chain's shares were 90% higher at $46 each as of 9.11am after Keith Gill, who goes by DeepF------Value on Reddit and Roaring Kitty on YouTube and X, reappeared online on Sunday night. 

He posted a screenshot of what appeared to be his portfolio holding a significant amount of GameStop common shares and call options. 

Reminder: A call option is basically a contract which allows a buyer to purchase stock at a specific price until a certain date. 

The Reddit trading crowd's favourite trader holds five million shares of GameStop worth $115.7m as of Friday's closing price, according to the account screenshot. 

The account also showed a position of 120,000 call options in GameStop with a strike price of $20 that expire on 21 June that were purchased for about $5.68 each.

GameStop shares closed Friday at $23.14.

Mr Gill's first return to social media three weeks ago sparked an eye-popping rally in GameStop with shares more than doubling in May alone.

At the time, he simply posted a picture of a man in a chair leaning forward, but that was enough to trigger a buying frenzy among amateur traders.

The investor was a former marketer for Massachusetts Mutual Life Insurance.

In 2021, through YouTube videos and Reddit posts, he encouraged a band of retail traders to squeeze out short selling hedge funds in GameStop.

The action got so wild at one point that brokers had to restrict trading in the stock as it blew up their clearing house margin.

By Katie Williams , Money team

We've all learned how to be more conservative with our money amid an increase in the cost of living - but it's still important to treat ourselves now and again.

And there's some science behind that happy feeling you get when you make a new purchase, as  consumer psychologist Dr Cathrine Jansson-Boyd  explains in the first of four features on the psychology of shopping running this week.

What happens to our brains?

When we buy something, our brain releases endorphins and dopamine. Such a release can give us a sense of pleasure, albeit momentarily, Dr Jansson-Boyd says.

You might be more likely to continue buying things if you think that temporary feeling of pleasure is important, she adds, though she notes for some even just the experience of shopping can trigger the dopamine, without anything being bought.

Buying sale items increases dopamine

Dr Jansson-Boyd says purchasing items at a reduced price can increase your dopamine level.

When shoppers see a product they like with a price they perceive as "fair", they experience a level of satisfaction in the part of the brain associated with the anticipation of pleasure, she explains.

However, if the price is perceived as "unfair", the insula - a part of the brain that registers pain - is typically activated.

The negative impact of dopamine

It's also important to note dopamine can have negative influence on spending behaviours, Dr Jansson-Boyd says. 

For example, when buying chocolates, the release of dopamine generates what can be thought of as a reward-seeking loop. 

This means that a person experiences repeated craving of a dopamine rush and repeatedly buys chocolates to experience the dopamine rush. This can lead to unwanted spending. 

"As you can imagine, such 'craving' can also lead to fairly serious consequences if the spending is done on gambling or drugs," she adds.

So are there 'healthier' alternatives to get that release? 

As Dr Jansson-Boyd mentioned previously, window shopping can trigger a surge of dopamine without you needing to buy anything.

Other non-shopping activities such as eating healthily and listening to your favourite music can also trigger a similar release, she says.

Can you get out of chasing the dopamine rush? 

Being aware is a good start, says Dr Jansson-Boyd, as it may "put the brakes on the shopping".

But she notes that if the chasing of dopamine becomes an obsession, then seeking professional help is best as the consequences can be "serious".

"However, if it is not of a serious nature then training yourself to think pragmatically about the shopping helps. 

"For example, if you find that you are keen on 'special offers', then make sure you are equipped with information about whether you are getting a genuine bargain," she says.

She also recommends taking a step back, going for a cup of tea or visiting another shop every time you see something you want to buy.

Dr Jansson-Boyd says: "If you still want to go back to the item, perhaps you really do want it. However, in many cases you will find that you forget about it entirely or that you are not that fussed."

Coming up in this series:

• Tuesday: The five different types of shopping addiction
• Wednesday: 'I was an addict - I ended up in £40,000 of debt'
• Thursday: The techniques big brands use to get us buying more, more, more

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