tesco uttoxeter travel money

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Tesco Travel Money

Find out more about tesco travel money options with our useful guide..

In this guide

What travel money services does Tesco offer?

What currencies can i order through tesco, how much can i transfer with tesco, how soon can i get my money, how safe is my money, are there any fees i might have to pay, customer service information for tesco travel money.

Tesco offers two travel money services:

• Buy Online. Home delivery is free, when you spend £500 or more online
• Buy In Store. Open seven days a week, most of Tesco’s bureaux are open late on week nights.

Here’s a list of the countries available to order travel money for:

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

For your security as well as Tesco’s, there are some limits on how much you can order and collect.

You can order between £50 to £2,500 online.

Tesco will email you an order confirmation, and will confirm your exact delivery date. The table below shows the earliest time your money can be delivered.

Tesco Travel Money uses the same delivery service as Travelex, so they know what they’re doing. If, however, there is a problem with your order you can contact Tesco directly and they will deal with your issue.

When you spend £500 or more online, home delivery is free.

For online orders less than £500, you pay £3.95 for delivery.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use . When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

Charlie Barton

Charlie Barton was a publisher at Finder. He specialised in banking and investments products, including banking apps, current accounts, share-dealing platforms and stocks and shares ISAs. Charlie has a first-class degree from the London School of Economics, and in his spare time enjoys long walks on the beach.

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4 Responses

My son has a tesco travel money card and is in america. He has forgotten his pin number. What can he/we do to help him please?

Thanks for leaving a question on finder.

You can request a new PIN or a reminder if you forget your current PIN online or by phone.

Online: Log in to Online Banking, click on your account and then select Manage account in the top right hand corner. Select the account name, above the sort code and account number on the Account Overview, then choose Request PIN reminder from the menu.

Enter the last four digits of your card number and choose whether you want to get a new PIN or a reminder of your existing PIN. You’ll receive your PIN number within 2 – 3 working days by post.

By phone: Call them on 0345 678 5678* and they’ll send a new PIN to you. You’ll receive your PIN number within 2 -3 working days by post. It can not be sent overseas so you will have to give the pin to your son once you have it by mail.

Please send me a message if you need anything else. :)

Cheers, Joel

Can I swap over 50 euros into pounds at a tesco store

Thanks for getting in touch with finder. I hope all is well with you. :)

Yes, you may be able to swap over 50 Euros into Pounds at a Tesco Store. However, please note that for security reasons, there are some limits on how much you can order and collect.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!

Cheers, Joshua

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Tesco Bank Travel Money – How Does It Work?

Planning your dream vacation? Alongside your flight bookings and luggage preparations, it’s essential to ensure your travel money arrangements are in order.

If you prefer having cash in hand while abroad, one convenient option for acquiring foreign currency is through Tesco Bank Travel Money. But what exactly is it, and how does it work? Let’s delve into the details, covering the process of ordering, collection and delivery options, fees, exchange rates, and more.

Additionally, we’ll explore an alternative that not only streamlines your travel expenses but also potentially saves you money – the Wise card . It’s an international debit card designed for spending and cash withdrawals in over 150 countries, boasting favourable exchange rates and eliminating the need to carry cash around, leaving extra room in your luggage.

But first, let’s focus on understanding Tesco Bank Travel Money.

What is Tesco Bank Travel Money and How Does it Operate?

Tesco Travel Money is a service that allows you to purchase foreign currency, either online or at a physical Tesco store. This flexibility enables you to either pre-order your currency or buy it on the spot at your local Tesco supermarket, provided they have a travel money bureau in-store.

Tesco Bank boasts a wide range of readily available foreign currencies for purchase, including popular options like EUR and USD. However, if the currency you require isn’t in stock, they can place an order for you.

Here are the key features offered by this service:

• Price Match : If you come across a better exchange rate advertised within three miles of your local Tesco Travel Money Bureau on the same day, Tesco Bank will match it. This applies exclusively to in-store, like-for-like transactions and not to rates advertised online.
• Clubcard Prices : Tesco Clubcard holders can benefit from improved exchange rates by providing a valid Clubcard number. This perk is available only for online currency purchases.
• Buy Back Service : If you have any unused foreign currency remaining after your trip, you can exchange it back to Tesco Bank for pounds.
• 10% Discount on Tesco Bank Travel Insurance : When you purchase Tesco Travel Money, you can enjoy a 10% discount on Tesco Bank travel insurance.

It’s worth noting that Tesco Travel Money received the ‘Best Travel Money Provider’ award in the Personal Finance Awards 2022/23, a recognition bestowed by the public. This foreign currency exchange service is powered by Travelex.

Fees and Exchange Rates

Now, let’s explore the cost associated with using Tesco Bank Travel Money. The good news is that there’s no commission fee when ordering currency in a Tesco store or opting for Click and Collect services.

However, for certain orders requiring home delivery, there are delivery fees to consider. Here are the main charges you should be aware of:

• Online foreign currency orders between £75 and £149.99: £4.99 delivery fee.
• Online foreign currency orders between £150 and £499.99: £3.95 delivery fee.
• Online foreign currency orders over £500: Free.
• Late cancellation of Click & Collect order (less than 24 hours before the collection date): £10 late cancellation fee.

It’s essential to keep in mind that additional charges might apply if you use a credit card to pay for your Tesco Travel Money order. While Tesco Bank won’t charge you, your credit card provider is likely to impose fees for cash-related transactions, which often include foreign currency purchases.

Tesco Travel Money Exchange Rates

Tesco Bank Travel Money, like many other foreign currency providers, incorporates its margin into the mid-market exchange rate. Also known as the interbank rate, this is the rate used by banks for inter-currency transactions, considered one of the fairest exchange rates. However, it’s rarely available through most providers, except for a few like Wise.

By adding its margin to the rate, Tesco Bank generates revenue from the transaction. Unfortunately, this means you’ll receive slightly less foreign currency in exchange for your pounds. Nevertheless, Tesco Bank offers slightly improved rates for Tesco Clubcard holders when they order online.

The exchange rates provided by Tesco Bank are transparent and can be checked in real time on their website.

Do Tesco Clubcard Holders Get Better Exchange Rates?

If you’re a Tesco Clubcard holder considering using Tesco Bank Travel Money, you might be wondering if this loyalty program can help you secure more favourable exchange rates.

The Clubcard Price offered by Tesco Bank Travel Money is designed to provide you with better rates compared to the standard ones advertised online at the time of purchase . This exclusive perk is accessible when you make your currency purchases online. To benefit from the Clubcard Price, you’ll need to input a valid Clubcard number during the transaction.

It’s important to note that exchange rates can fluctuate depending on the method you choose for purchasing your foreign currency. Whether you opt to buy in-store, online, or by phone, these rates may vary.

How to Order Travel Money from Tesco – A 9-step Guide

If you’re interested in obtaining travel money from Tesco, here’s a step-by-step guide for placing an online order:

• Visit the Tesco Bank Travel Money website.
• Choose your desired currency from the dropdown menu on the right-hand side.
• Indicate whether you possess a Tesco Clubcard. If you do, you’ll benefit from enhanced exchange rates.
• Select the amount you wish to order, either by choosing from the predefined options or entering a specific amount.
• Review the exchange rate and the amount of currency you’ll receive in exchange for your pounds.
• Click on ‘Buy Currency Online’
• Follow the on-screen instructions to place your order, including entering your Clubcard number (if applicable) and payment details. Note that online orders are payable by card only.
• Select either Home Delivery or Click & Collect, making the required delivery fee payment if applicable.
• Await the arrival of your travel money through postal delivery or head to your local Tesco Bank bureau on your chosen collection date to pick up your order.

The Collection and Delivery Process

If you opt for Click & Collect, you can conveniently locate your nearest Tesco store with a foreign exchange bureau by entering your postcode. You’ll receive a specified collection date, and your money will be ready for collection after 3 PM on that date. Don’t forget to bring photo ID and the card used for placing the order to verify your identity.

For home delivery orders, here’s what you can expect in terms of delivery times:

• Orders placed before 1:30 PM from Monday to Thursday: Next day delivery.
• Orders placed before 1:30 PM on Friday: Delivery on Saturday or Monday.
• Orders placed after 1:30 PM from Monday to Friday, or anytime on Saturday or Sunday: Delivery within 2 working days.

Remember that someone must be present to sign for the delivery of travel money orders.

The Tesco Multi-currency Cash Passport

Tesco Bank offers an interesting alternative known as the Tesco Multi-currency Cash Passport. This prepaid travel money card allows you to load up to seven different currencies before your trip, enabling spending abroad just like you would with a regular debit card in the UK. The added benefit is the ability to lock in the exchange rate every time you load, reload, or switch between currencies.

However, there are a few considerations to keep in mind. The available currencies are limited to euros, US dollars, UK pounds, South African rands, Australian dollars, Canadian dollars, and New Zealand dollars. There are fees involved as well, including a £1.50 withdrawal fee at ATMs or a 2% commission on purchases made in UK Pounds.

The Wise Card – A Convenient Alternative to Currency Exchange

While Tesco Bank Travel Money provides a reliable option for obtaining foreign currency, it’s not the sole solution for managing your holiday expenses.

If you’re seeking more favourable exchange rates and a cashless approach, the Wise card is an attractive choice. This contactless international debit card can be used in over 150 countries, wherever Mastercard and Visa are accepted. This grants you the ability to make purchases in shops, restaurants, bars, and transport hubs worldwide.

When you use the Wise card, it automatically converts your pounds to the local currency at the mid-market exchange rate, with no additional margins or markups. There is only a modest currency conversion fee, or none at all if you already have the currency in your Wise account.

For cash needs, the Wise card allows you to withdraw up to £200 per month with no fees (up to two withdrawals). However, be mindful that overseas ATM operators may charge their own fees.

With the Wise card, you can enjoy the convenience of tapping and spending like a local, all while benefiting from a favourable exchange rate. Additionally, the Wise app allows you to manage your account, card, and expenses on the go.

By opening a Wise multi-currency account online, you can obtain a Wise card for a one-time cost of just £7, without any subscription fees. Be sure to review the Terms of Use for your region or check Wise fees and pricing for the most up-to-date information on costs and fees.

And there you have it – a comprehensive overview of Tesco Bank Travel Money and its operations, plus a cashless alternative for digital fans. If you prefer having foreign currency in hand before your trip, then Tesco Travel Money is certainly worth considering, particularly due to its lack of commission fees. Alternatively, you can conveniently visit your local Tesco store with a foreign exchange bureau to obtain your travel money instantly.

Remember, it’s advisable to conduct a quick comparison of exchange rates, as you may find more favourable options for obtaining foreign currency elsewhere but Tesco Travel Money solidifies its reputation with one of the more attractive offerings for travellers.

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Tesco Bank’s latest ‘little help’ is on the money for holidaymakers

13 August 2019

Tesco Bank has today launched its latest ‘little help’ that will mean its travel money customers are prepared for the custom of tipping as soon as they arrive on their holiday.

Travel Money Tip Packs, which contain 20 x $1 notes, are available to purchase in 360 Tesco travel money bureaus across the UK after an initial trial period found there to be strong customer demand. Coming in their own separate wallet from higher value notes, the packs are designed as a helpful addition for customers travelling to countries including the USA and the Caribbean where tipping is seen as a mandatory practice, as well as those who value the convenience of having smaller denominations of notes.

If the packs continue to be a hit with customers, the initiative could be rolled out for other currencies as well as being made available in various different denominations.

There will also be a ‘little help for little people’, with packs specifically designed for children being introduced to travel money bureaus from 26 August. ‘My holiday money’ wallets will be available in 20 x €1 packs but can also be created to an amount of the customer’s choosing. The wallets – which contain an educational quiz based on currencies of the world on its cover - are a practical way to get children understanding money at an early age.

Commenting on the launch, Mark Loch, Tesco Bank’s Group Payments and Money Services Director said:

“We’ve all been there - you just arrive on holiday and find you don’t have the right money to tip the taxi driver who picks you up at the airport. Our readymade tip packs are intended to give you that peace of mind as soon as you land.

“The packs really have gone down a storm with customers. Those going on all-inclusive holidays are finding them particularly helpful, and we’ve seen lots of people buying them as thoughtful gifts for friends and family. Also, our travel wallets for kids are an excellent way to get them interested in different currencies and to understand money from a young age.

\"We always aim to serve our customers in ways that make their lives a little easier and we think these handy packs will be extremely useful for travellers of all ages.”  

For more informationa and media enquiries please contact: 

Tesco Bank Press Office  +44 (0) 131 274 3630

Tesco Bank’s goal is to make banking and insurance easier and better value for people who shop at Tesco. We’ve been around since 1997 and today we help more than 5 million customers manage their money every day. Our 4,000 colleagues serve our customers seven days a week from our three main centres in Edinburgh, Glasgow and Newcastle, and we are also available through online and mobile banking 24/7. Tesco Bank participates in the Chartered Banker Professional Standards Board.Tesco Bank is a trading name of Tesco Personal Finance plc.

Registered in Scotland No. SC173199. Registered Office: 2 South Gyle Crescent, Edinburgh, EH12 9FQ

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Using credit and debit cards abroad

It's safe and easy to use your Tesco Bank cards overseas. There are just a few things to be aware of before you go, like fees, charges and security.

• There's no need to ring us to let us know you're going - your card will work automatically while you're abroad
• Remember, choosing the option to pay in local currency when using your card abroad is likely to be cheaper than paying in your own currency
• If you need to log on to Online Banking from a new device, make sure your mobile phone will be with you and capable of receiving text messages, as we will send you a one-time access code (network charges may apply)
• Check your account for any unfamiliar transactions, and give us a call immediately if you see anything suspicious
• Take a note of the overseas customer service number from the back of your card or from our 'Contact us' page

What are the costs of using my credit card abroad?

You can use your credit card to make purchases, withdraw cash and other cash transactions in both the UK and overseas. Cash transactions include gambling and purchasing non-sterling currency outside of Tesco. For a full list of transactions that qualify as cash, see your credit card terms and conditions.

• Making purchases: We'll charge you an additional 2.75% of the cost of your purchase on each transaction in a foreign currency. Clubcard Plus Credit Card holders will not be charged the additional 2.75% Foreign Exchange fee on any transactions.
• Withdrawing cash: In addition to any foreign exchange fees, we will charge you 3.99% of the value of the transaction (minimum £3 fee applies to cash withdrawals).

There is no interest-free period on cash withdrawals.

Gambling transactions are subject to a 3.99% handling fee, but there is no minimum charge. This is on top of the 2.75% foreign exchange fee.

We don't add a mark-up to the exchange rates applied by VISA and Mastercard. All fees are calculated based on the exchange rate on the day the transaction is posted to your account, which may be later than the date the transaction took place.

What are the costs of using my debit card abroad?

• Making purchases: We’ll charge you a Foreign Exchange Fee of an additional 2.75% of the cost of your purchase on each transaction in a foreign currency.
• Withdrawing cash (excluding Euros): We’ll charge you a fee of 1% of the amount you withdraw, along with the 2.75% Foreign Exchange Fee.

You can withdraw a maximum of £400 within a 24 hour period with your debit card.

We don't add a mark-up to the exchange rates applied by VISA. All fees are calculated based on the exchange rate on the day the transaction is posted to your account, which may be later than the date the transaction took place.

Compare the cost of using your debit card and credit card abroad

Making a purchase abroad.

VISA exchange rate on 6 June 2022 was €1 = 0.858618

Mastercard exchange rate on 6 June 2022 was €1 = 0.859118

The exchange rate is used for illustrative purposes only.

Withdrawing money abroad

VISA exchange rate on 6 June 2022 was €1 =0.858618

Use our calculator to find out the cost of using your card abroad

Feel right at home when you're away, more information on our products that can help you on your holiday, important information.

For impartial advice on using your card abroad, visit the Money Advice Service

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Money blog: Popular pub chain owner admits 'uncertainty' over future

The owner of Slug & Lettuce and Yates's bars has revealed concern over its future as it looks to refinance more than £2bn of debt. Read this and the rest of today's consumer and personal finance news in the Money blog, and listen to the latest Ian King Business Podcast as you scroll.

Tuesday 9 April 2024 19:48, UK

• Basically... Tax codes
• Popular pub chain owner admits 'uncertainty' over future
• Spain to scrap 'golden visa' scheme for non-EU citizens in blow to British emigrants
• Tories have stolen key Labour pledge - so how will they pay for promises now?
• Shell, the biggest company on the London Stock Exchange, looking at leaving for New York
• Money Problem : The monthly charge on my leasehold flat has gone up by more than £60 a month - what are my rights?
• Listen to the Ian King Business Podcast above and tap here to follow wherever you get your podcasts

Sky News is looking to speak with residents of shared ownership properties who have been impacted by rising service charges. 

Please reach out if you have been affected and are willing to tell us about your experience.  

Send us a message on WhatsApp or email [email protected] .

High mortgage costs have led a large chunk of UK homeowners to rent out their rooms in a bid to raise more cash.

More than one in 10 (12%) of people who own property in London have moved someone into their home to create additional income, according to a new report from Barclays.

The figure reveals the impact of the capital's soaring housing costs - across the UK as a whole, the proportion of people renting out rooms stands at 3%.

The Barclays report also reveals that 16% of people aren't confident they'll be able to meet their mortgage or rental payments.

Cost of living pressures and higher interest rates have taken a toll on borrowers in the past couple of years.

Last month we reported how there had been a jump in the number of properties falling behind with mortgage payments.

The owner of Slug & Lettuce and Yates's bars has revealed concern over its future as it looks to refinance more than £2bn in debts due next year, The Telegraph reports .

Stonegate - the UK's biggest pub operator with 4,500 venues - said in its interim report that a "material uncertainty exists" over whether it can continue as a going concern (a term meaning a business has financial stability).

If the company is unable to refinance its debts, it said it "may be unable to realise its assets and discharge its liabilities in the normal course of business".

Stonegate is owned by the private equity firm TDR Capital, which jointly owns Asda.

It also runs the Be At One and Popworld chains and the Craft Union pub brand.

At the end of the financial year, its debts were more than £3bn.

Some of this is linked to its buyout of rival pub chain Ei Group in 2019.

David McDowall, chief executive of Stonegate, struck a more upbeat note in comments to the Money blog, saying: "I am really pleased with the performance of the business in 2023, which included a sector-leading Christmas trading period. 

"We have delivered a rise in revenue and a significant increase in profitability. Our all-round performance exemplifies the strength and depth of the Stonegate estate, with our outstanding Craft Union and L&T divisions continuing to lead the way. This is testament to the hard work of our people and partners, but also to the success of our ongoing initiatives to increase profitability across our portfolio of brands and venue formats. 

"Our performance gives me real confidence in the future and excitement in seeing our strategy come to fruition. Notably our asset optimisation plan which makes sure we have the right pub in the right location, further profit improvement initiatives, and above all our efforts to continue to support the Great British pub. 

"With a summer of sport on the horizon, and the Euro's and T20 World Cup fast approaching, we are looking forward to building on this momentum in the months ahead. We have been very clear that we continue to work towards achieving our long-term balance sheet goals, with the successful refinancing of a portion of our estate in December marking a significant strategic step towards this."

A record number of council bosses are earning salaries of at least £150,000 , according to new data from a pressure group.

The Taxpayers' Alliance annual Town Hall Rich List says at least 3,106 people employed in local authorities in 2022-23 received at least £100,000 - an increase of 347 on the previous year.

Of them, at least 829 received more than £150,000, the highest number since the list began in 2007.

John O'Connell, chief executive of the TPA, said residents "can use these figures to ask whether precious funds are really going towards frontline services, or whether town hall bosses can get better value for money".

M&S is investing £1m to change the diet of its milk-producing herd of cows and reduce the amount of methane they create.

The supermarket chain said it would work with 40 M&S dairy farmers to remove a projected 11,000 tonnes of greenhouse gas emissions from the atmosphere annually.

The move will cut the carbon footprint of M&S's fresh milk products by 8.4%, the company said.

Britons are being urged to "stop and think" before dipping into their retirement pot early during "peak" withdrawals season over the next few months.

Investment platform AJ Bell said people typically access their funds at the start of the tax year when allowances are refreshed.

Its director of public policy, Tom Selby, said this can be a "perfectly sensible thing to do" if there is a "thought-through withdrawal plan" in place.

However, he warned Britons not to make a "rash decision".

"Taking money out of your retirement pot early or withdrawing too much, too soon could have disastrous consequences over the long term," he said.

AJ Bell has listed five reasons why people should "stop and think" before accessing their retirement pot early:

• Early access increases the risk of running out of money in retirement and being left to rely solely on the state pension. For example, a healthy 55-year-old with a £100,000 pension pot who withdraws £5,000 a year could run out of funds by age 80 if their withdrawals increase with inflation;
• Accessing retirement cash early could also see savers miss out on investment growth;
• It will trigger the money purchase annual allowance (MPAA), which significantly reduces the amount you can save tax-free from £60,000 to £10,000;
• Hiking withdrawals could impact sustainability. Persistent high inflation could impact those with a laid-out withdrawal plan and risk them running out of funds early;
• Savers can pass on leftover pensions tax free if they die before the age of 75. AJ Bell says for those who wants to leave assets to loved ones, it makes sense to leave as much of your pension untouched as possible in order to minimise your tax bill.

Basically, a tax code is a series of numbers and letters used by employers or pension providers to work out how much tax should be deducted from your pay or pension at source.

Anyone in employment or with a private pension will have one.

Making sense of the letters and numbers

The number shows the amount you can earn tax-free - although you need to add a zero to get the actual figure. 

For example - the number 1257 means you can earn £12,570 a year tax-free.

The letters (which follow your tax code number) relate to your situation and how it alters your personal allowance.

For example,  L  means you are entitled to the tax-free personal allowance we outlined above. Therefore a tax code of 1257L (the most common tax code) means you are entitled to a personal allowance of £12,570 before any income tax is paid.

Here are what the other letters mean: 

• T  is similar to  L  in that if it follows numbers, you are entitled to that tax-free personal allowance. However, it also means HMRC will be taking a closer look at your tax affairs - usually the case if they are complicated;
• BR  means you aren't entitled to any personal allowance (usually because it's a second job etc) and will pay a flat rate of 20% tax. This is the same for  D0   but the rate is 40%, and  D1  where the rate is 45%.  SD2  is similar but only applicable in Scotland, where the top rate is 46%;
• K  means your personal allowance has been eroded down to less than nothing, meaning the number after the K is actually a negative personal allowance;
• 0T  means no personal allowance but you'll fall under the tax bands;
• NT  simply means "no tax";
• M  means your spouse or civil partner has transferred some of their personal allowance to you;
• N  means you've transferred it to your spouse/civil partner;
• If you have an  S  or a  C  ahead of any of the other letters, that just means you're living in Scotland or Wales. 

What happens when they're wrong?

Millions of Britons could be paying too much tax due to tax code issues, new data from Canada Life shows. 

A survey by the financial services provider found that 31% of adults have been on the wrong tax code at some point - with the average overpayment worth £689.

Over two thirds of those surveyed didn't know how to claim back overpaid tax.

The survey also found one in six UK adults did not know if they were on the right tax code and 39% were not aware what any of the letters or numbers on their tax code mean.

However, an HMRC spokesperson said: "We don't recognise these figures. 

"Tax codes are based on information provided by employers or pension providers. 

"People can check their code quickly and easily online and update any details that may be affecting it."

Why would my tax code be wrong?

There are any number of reasons HMRC could have the wrong tax code for you, including:

• A change in job 
• Having more than one source of income
• Retirement or having more than one pension
• Receiving employee benefits
• Starting your first job

How do I check my tax code?

You can check your tax code on your personal tax account online, or by looking at any payslip or via the HMRC app.

If you think it's wrong, you need to contact HMRC to tell them.

You can either phone 0300 200 3300, use their chat function or send them a letter. 

Emergency codes

W1 ,  M1  or  X are usually found after a regular tax code (eg 12570L W1).

This usually only happens if there's a delay in HMRC receiving details about a change in your circumstances, for example if you've just started a new job. 

SportsDirect.com, owned by Mike Ashley, is bringing a claim today against Newcastle United - the club Mr Ashley used to own.

It concerns a deal Newcastle has with JD Sports to offer exclusive kit sale rights.

The Competition and Appeals Tribunal will hear the case today - though it's not clear when a decision will come. 

Reports suggest Mr Ashley is seeking £1.5m in damages.

His company claims the club is abusing its dominant market position by refusing to supply its replica kit for the 2024-25 season.

Businesses are allowed to strike exclusivity deals unless they are in a dominant market position - for example, companies like Amazon or Google clearly have that status.

This case could rest on whether the tribunal deems Newcastle to hold such a position in the market.

By  Sarah Taaffe-Maguire , business reporter

As we mentioned below, there's possible bad news ahead for the London Stock Exchange (LSE) with talk of the biggest company in the FTSE 100, Shell, moving to the New York Stock Exchange (NYSE).

There's been a run of bad news for the LSE over the past year or so. The world's largest building products manufacturer, CRH, moved to New York, while travel company Tui moved to Frankfurt. And despite the lobbying of numerous prime ministers, UK-based chip company Arm chose the NYSE.

It's been a good morning for Shell's fellow FTSE 100 constituent, the oil giant BP. It announced production higher in oil and slightly higher in gas and low carbon energy on Monday, which brought the share price to a five-month high.

Both companies are going to be boosted by the oil price, which is sticking around $90 as a barrel of the benchmark Brent crude is selling for $90.48.

On the currency market, one pound equals $1.2652 and €1.1652.

Shell is weighing up quitting the London Stock Exchange (LSE) for a move to New York over concerns its listing is currently "undervalued".

Chief executive Wael Sawan told Bloomberg that he was mulling "all options".

The British oil and gas giant is currently the largest company in the FTSE 100 index, and its departure from the LSE would be a significant blow to the UK stock market that is fighting to stay relevant.

Explaining the gap between Shell and its New York rivals Exxon Mobil Corp and and Chevron Corp, Mr Sawan told Bloomberg: "I have a location that clearly seems to be undervalued."

The oil boss said he was currently in the middle of a "sprint" of 10 quarters to cut costs.

He continued: "If we work through the sprint, and we are doing what we are doing, and we still don't see that the gap is closing, we have to look at all options."

The chancellor announced a scrapping of the non-dom status in his March budget, saying the decision would raise £2.7bn for a 2p cut in national insurance.

Labour have been committed to abolishing non-dom status for years - upon gaining power they planned to use the money to fund breakfast clubs for primary school children and additional appointments in the NHS.

The government has also adopted Labour's plans to extend the windfall tax on oil and gas companies

Facing questions about where funding would now come from for key policies, the party has today offered details for the first time.

Shadow chancellor Rachel Reeves is set to announce the party's plans to raise £5bn a year by the end of the next parliament...

• Labour has said it will raise £2.6bn by closing "loopholes" in the government's non-doms plan - after certain exemptions were kept in place by Jeremy Hunt;
• Labour said the "tax gap" - the difference between the amount of money HMRC is owed and the amount it receives - had widened to £36bn in 2021-22 - £5bn more than it had been the previous year;
• To close the gap, Labour said it would invest up to £555m a year in boosting the number of compliance officers at HMRC, increasing productivity and improving the organisation's "dire" customer service;
• It will also consider requiring more tax schemes to be registered with HMRC to ensure they are legitimate, and renew the focus on offshore tax compliance.

It is understood that only £2bn of the £5bn raised per year will fund breakfast clubs and NHS appointments, with the rest of the money being kept back for other uses.

Shadow chancellor Rachel Reeves is expected to say: "I have been clear that everything in our manifesto will be fully costed and fully funded. There will be no exceptions."

The government has responded by saying: "The Conservatives have introduced over 200 measures to clamp down on tax non-compliance and we are sticking to the plan to strengthen the economy so we can cut taxes, putting £900 in the pockets of the average worker and helping families to build a brighter future."

Ted Baker is to shut 15 of its stores across the UK within weeks, the retailer's administrators have announced.

Around 245 staff will be made redundant.

It comes after  Sky News revealed  that hundreds of jobs were at risk after the company behind the brand's UK shops, No Ordinary Designer Label Limited (NODL), collapsed last month.

In a statement, the administrators confirmed 11 UK stores will close by 19 April, resulting in the loss of about 120 roles.

A further four stores will also shut "in the coming weeks", resulting in 100 additional redundancies.

These shops had already been earmarked for closure prior to the firm's collapse, it has been revealed.

Around 25 head office jobs will also be axed as part of cost-cutting plans, administrators Teneo Financial Advisory said.

The 11 branches which will close as part of the administration process include:

• Birmingham Bullring • Bristol • Bromley • Cambridge • Exeter • Leeds • Liverpool One • London Bridge • Milton Keynes • Nottingham • Oxford

Administrators said the shops were "all currently loss-making" and had "no prospect of being returned to profitability, even with material rent reductions".

They added: "As such, their closure is believed to be a constructive and necessary step in ensuring the business can deliver a profitable trading performance in the future."

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From ready-meal lovers to at-home chefs: how Tesco is improving the nation’s nutrition

Whether it’s campaigns that promote hassle-free recipes, or initiatives that encourage shoppers to eat more veg, Tesco is taking action to make healthier diets accessible and affordable to all

Our health is so often measured in figures; whether it’s a number on the scales, a score on our blood pressure monitor or our body mass index. With such a focus on personal responsibility, these metrics often only succeed in making people feel bad about themselves.

Thankfully, the tide is turning, and more people are realising that an environment which encourages the over-consumption of unhealthy convenience foods is a major contributing factor to poor health. Overcoming this requires more support than the individualistic approach would have us believe.

As the UK’s largest food retailer, Tesco is very aware of this challenge, and has some positive numbers to share. Since 2018, Tesco has removed 71bn calories (pdf) from its own-brand ranges through reformulation, and 325 tonnes of sugar from its own-brand cereals.

But Laura Farrell, Tesco’s company nutritionist, says good health is about so much more than numbers and statistics. “My job is to consider what constitutes the foundations of a good diet, and how that can manifest in different products, information and initiatives,” she says. “A lot of that is forming insight into our Better Baskets campaign, the aim of which is to make it easier for shoppers to fill baskets with better choices for their health.”

Informed by the NHS’s Eatwell Guide , this makes it simple for customers to see the healthiest choices at a glance. “For example, in the cereal aisle, you will see the products that are higher in fibre and lower in sugar.”

As well as Better Baskets, there is the Fresh 5 initiative to encourage shoppers to try a variety of seasonal fruit and vegetables, with recipe inspiration in Tesco magazine and at realfood.tesco.com . Elsewhere, Tesco has partnered with Groundwork, a federation of independent charities, to create a £5.3m grant programme called Stronger Starts . The goal is to help 1 million children by funding healthy food and fitness activities to improve their physical health and mental wellbeing – from breakfast clubs and playground equipment, to football kits and gardening classes.

This is more important than ever as obesity, and obesity-related conditions, now cost the NHS around £6.5bn a year . And it’s starting younger than ever before; a shocking 36.6% of English children are an unhealthy weight according to the latest figures . Making it easier for busy parents to improve their children’s health has never been more crucial, and this is where Tesco’s reformulation of own-brand products comes into play.

“When it comes to reformulation, we’re reducing things like saturated fat, salt and sugar in our products,” says Farrell. “But also we’re looking for the opportunities to increase the good stuff that we should be getting more of, such as fibre, fruit and vegetables. By doing that, we’ll be getting more micronutrients and beneficial bioactive compounds in there as well.”

Tesco is signed up to the Food Foundation’s Peas Please pledge, which aims to make it easier for everyone in the UK to eat more vegetables, and as a result has committed to adding more portions of veg into its ready meals across the board. “Their manifesto has been really helpful to communicate with our suppliers, our technical teams and our development teams,” says Farrell. “It’s quite a straightforward one because, if somebody’s buying a ready meal, it’s a convenient solution where they get everything in one package. So making sure that we’re getting at least one portion of vegetables in there is a really positive thing.”

With only one-third of UK adults meeting the recommended five portions of fruit and veg a day, it’s no small feat that 52% of Tesco’s own-brand ready meals now contain at least one of your five-a-day.

Farrell says it’s a delicate balance between making the meal as healthy as possible, while ensuring it’s still delicious. “If we create a product that isn’t tasty, people won’t pick that product up,” she says. “They might instead choose a product that’s not as healthy. Then we’ve failed.”

Tesco caters to a very broad range of customers. There are those for whom healthy eating is not really on their radar, and at the other end are the shoppers who are better informed and have a clear focus on healthy living. Certain shopping trends in Tesco reflect this. Tesco has seen a huge surge in sales of kombucha, for instance, which is now part of its meal deal, and low/no-alcohol drinks in general. It’s one of many shifts that show how consumers are choosing healthier options where they can.

Then there are the customers who would love to be healthier, but time and money are barriers. “We do hear from customers that they perceive healthy food to be more costly,” says Farrell. “So for people who are reliant on ready meals, we’ve been working to ensure they are as healthy and affordable as possible. And for our customers who are scratch cooks, we’ve got our Aldi price match that includes lots of fruits, vegetables and healthy carbohydrates, so people can build up a healthy diet.”

As for the future, Tesco’s goal is to increase the proportion of sales from healthier products to 65% by 2025, and it’s on track to achieve it.

The brand has shown what can be possible when those who shape our food landscape take responsibility and progressive action to put healthy and affordable food on everyone’s plate. There is no excuse for other industry decision makers not to do the same.

Find out more about how Tesco is working to improve the health of the nation at tesco.com/better-baskets

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