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Marks & Spencer exchange rates

Today's latest M&S Bank travel money exchange rates, updated 2 minutes ago at 3:20pm

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

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Travel money order limits and fees

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M&S Bank travel money rates

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

Compare M&S Bank's exchange rates

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

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

Latest M&S Bank reviews

Our users have rated M&S Bank Average in 60 reviews. Read more on our M&S Bank reviews page.

I have handed over a total of £500 (10x£50 notes wrapped with an elastic band for the purchase Japanese yens ) to a lady at the desk in kingston branch , she put to one side on the desk £100 & inserted the rest in the machine reading £300 . [...]

Read the full review

Vasantha Jennings

Yesterday 26th Oct, I visited your bank to change 500 Aussie dollars for pounds! I handed over my 500 dollars, and to my surprise, I was just kept waiting and waiting while this staff too her own sweet time scanning the notes 1 by 1 under the UV scan [...]

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

The euro rate at Marks and Spencer right now is 1.1481. You'll need to buy or reserve your euros online to guarantee this rate; the euro rate offered in your local branch may be lower if you don't order online beforehand.

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

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

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

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

M&S Travel Money: Rates and Bureau de Change

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

M&S travel money rate

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

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

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

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

Marks and Spencer click and collect

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

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

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

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

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

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

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

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

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

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

Save with Wise when you spend in any currency

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

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

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

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

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

Marks and Spencer travel money products

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

Click & Collect

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

Same Day click & Collect

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

Foreign exchange bureaux

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

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

M&S currency buy back

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

M&S currency buy back rate

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

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

M&S travel money Bureau de Change

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

M&S foreign currency London

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

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

Does M&S offer a travel money card?

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

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

Return to the blog .

Free store collection | Free delivery when you spend €50 | Free returns for online orders

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Need more help? You’ll find all of our contact details below, simply click on the option that is most relevant to your query.

Cost will be no more than a local call from a landline, and for mobile packages these numbers will be included in your inclusive minutes or discount scheme.

To place an order, ask about delivery, query an existing order or for gift card and gift voucher queries

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You may find answers to your questions in our Frequently Asked Questions .

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How to identify unfamiliar transactions

Tips to help you identify the transaction and what to do next

Steps to take when you don’t recognise a transaction

1. check the retailer's name.

Try an internet search of the name that appears on your statement. Sometimes retailers trade under different descriptions.

Some common retailer names can be found on our Retailer reference table

2. Look at other transactions made around the same time

This might remind you where you were when the unrecognised transaction was made.

3. Did you make a purchase in another currency?

A transaction made in a foreign currency could appear as a different amount on your statement because of exchange rates.

4. Check for additional charges

Some companies like hotels, taxis, airlines or hire cars can add additional charges that show up separately on your statement.

5. Check your emails for receipts or purchase confirmations

There may be one that matches the amount of the unrecognised transaction. This could be received the same date or earlier and show a retailer name different to the one appearing on your statement.

6. Check with any additional cardholder

Someone that you share your account with may have made the transaction.

7. Consider if you've signed up to a free trial

A free trial may have expired and you're now paying for the goods or services. Check the free trial period and terms and conditions.

8. Check if it's a repeat payment or subscription

Does the same transaction appear on your statement from one month or one year ago? It could be a payment you set up in the past.

Retailer reference table

After these checks:.

I now recognise the transaction but would still like to dispute it

I still do not recognise the transaction

How to dispute if the transaction is still unrecognised

If you're already registered for Digital Banking, then a quick and easy way to get in touch with us for any account specific queries is to use our 'Chat with us' service. This can be found within our Mobile Banking App or within Internet Banking and is available 24 hours a day, 7 days a week .

For those more straightforward banking queries, MOBI, our virtual assistant , will try to help you first. If MOBI can't answer your query, MOBI will seamlessly transfer your chat to an agent, who'll get back to you with an answer as soon as they can. Learn more about MOBI

If you’re not registered for Digital Banking, you can chat with MOBI only on selected pages on our website.

You can 'Chat with us' via...

Mobile banking app.

You can 'Chat with us' on the M&S Banking App. Here's how:

• Sign in to the M&S Banking App
• Select 'Support'
• Then select 'Chat with us'

Here you can chat with MOBI & agents about your account.

You can 'Chat with us' within Internet Banking. Here's how:

• Sign into Internet Banking
• Click the 'Chat' icon from selected pages when signed in

Public website

You can ‘Chat’ with MOBI only on our website.

Find MOBI in the bottom right of your screen on selected web pages.

What else do I need to know...

Why use the 'chat with us' service.

'Chat with us' is here to help you no matter what time of day or night so you can contact us at a time that suits you, even when our phone lines are closed.

When you send us a message in chat, our virtual M&S Banking assistant, MOBI, can respond instantly and give you information on how to resolve your query. For account specific queries, if you’re signed in to Digital Banking, MOBI will seamlessly transfer your query to an agent who'll get back to you as soon as possible.

If you’re using our app and have push notifications enabled, we will send you a notification to let you know when we have responded to your query, so you can carry on with your day and read the response at a time that’s convenient for you.

How do I start a chat?

Chat with us' can be accessed via the  M&S Banking App   under the ‘Support’ tab or in  Internet Banking  using the ‘Chat’ tab in the bottom right side of your screen. As you’ve already signed in and verified your identity, all your chats are secure and protected.

When asking your question, try to ask only one question at a time using more than 5 words.

Here’s a couple of examples:

• How do I add my card to my Digital Wallet?
• When will I receive my Loyalty reward vouchers?
• Can you help me with an unrecognised transaction?

Keeping your query simple helps us to give you the most relevant answer to your question. If MOBI doesn’t understand your question you may be given some response options based on key words you have used. You can also try rephrasing the question or make it more concise. If MOBI is still unsure what the question is, you’ll be transferred to chat with an agent instead if you’re signed in securely.

If you're new to MOBI, our virtual assistant, or if you're unsure about how chat works, you can take our guided tour. Simply type "Get me started" in the chat, and MOBI will demonstrate how to ask questions and how they'll be answered, helping you become more comfortable using chat in the future.

What can I do via 'Chat with us'?

We’re here when you need us and can help via chat the same way we can over the phone with most *  queries.

MOBI is trained to give instant answers to your questions and can advise on a huge range of topics including:

• Setting up a Direct Debit
• How to view, unlock or change your PIN
• How to pay your card
• How to reset your digital banking password
• Disputed transactions
• Balance transfers

While our chat agents can help with account specific queries such as:

• Requesting a settlement figure on your loan
• Card declines
• Lost or stolen cards
• When your promotional offer ends
• Balance transfer queries
• Amending a Direct Debit
• Unrecognised transactions
• Credit Limit preferences

If you ever need to ask us something, using ‘Chat with us’ can be a more convenient way to connect with us.

*Some service limitations apply

How long can I view my chats for?

Your chat history will be stored securely in the banking app and Internet Banking and be visible for 13 months.

*Make sure you're using the latest version of our app to ensure that all of our support features are available to you.

How do I stay safe in the future?

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