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Best places to exchange currency in Halifax

You've got a few options if you want to exchange currency in Halifax. Whether you’re buying travel money in cash, looking for secure ways to cut the costs of making ATM withdrawals abroad, or sending money to someone overseas, we’ve got options for you.

You might decide to pop into a physical currency exchange store in Halifax - but many customers will find it more convenient to pick up a low cost travel card instead, for on the go payments, cash withdrawals and easy to convert currencies with great exchange rates.

Wise travel card - A low cost alternative to exchange shops

Order and get your Wise travel card in Halifax for convenient spending and withdrawals during your trip.

Wise uses the mid-market exchange rate with no markup or margin when converting your money to any currency you need. This may work out cheaper than most currency exchange shops in Halifax.

1 best places to exchange money in Halifax

The best place to exchange currency in Halifax does depend a lot on where in the city you are, and which currencies you need. You'll need to do a bit of your own research - but to start you off, we've detailed 1 of the top rated exchange services in Halifax, according to Google.

TD Foreign Exchange Centre

• Phone : (902) 420-8040
• Website : https://www.td.com/ca/en/personal-banking/solutions/currency-exchange-services/?y_source=1_OTc0MzE3NS03MTUtbG9jYXRpb24ud2Vic2l0ZQ%3D%3D
• Address : 1785 Barrington St, Halifax, NS B3J 2P8, Canada

How we rated the currency exchange shops in Halifax

We've taken into account the Google ratings at the time of research, looking at exchange services in popular Halifax areas. As ratings are dynamic, and things change all the time, you’ll want to also do your own research before you head out to exchange your money.

How to exchange currency in Halifax

Depending on your needs and preferences, you may want to choose between banks, currency exchange shops and online platforms to exchange currency conveniently in Halifax. It’s worth noting that to keep customers safe, and to comply with the law, it’s common for exchange services to ask for ID when you buy foreign currency. Get ready by having your photo ID, such as a passport or driving license, with you when you arrange your exchange.

If you’re planning on exchanging currency with a bank, you’ll need to double check the travel money and exchange options available. Many banks only offer exchange to customers who already have an account - plus you might have to order online in advance, particularly if you’re looking for a more exotic currency. If your local bank offers currency exchange to people who aren’t customers, bear in mind that you’ll need to take an ID document along with you to collect your cash.

To exchange currency in Halifax using a bank:

• Check that the bank you've picked offers currency exchange
• Make sure the currency you need is available - you may need to order ahead
• Visit a branch with cash, or order online, depending on the bank's process
• Take your travel money instantly, or collect in branch later - remember your ID document if you're not a customer

As an alternative you could choose to visit a currency exchange service or travel money specialist which offers online or on the spot exchange. Currency specialists usually have a very good selection of foreign currencies available, although smaller branches may not hold everything in stock at one time. It’s also useful to know that the exchange rate you get for an on the spot exchange in a store may be different to the one you’ll get when ordering online for collection - usually online orders get a better rate.

To exchange currency in Halifax using a currency exchange service:

• Decide if you'll visit a currency exchange store in person to exchange, or order ahead
• Place your order online and pay by card or with BPAY, or visit a branch with cash
• Take your travel money instantly, or collect in branch later - you'll need to take along your ID document when you visit the branch to place a collect your order

Finally, you might choose to order your travel money online. There are a few ways to do this. Some providers will let you order online and either have the cash delivered to home, or you can collect at a branch or in the airport. Other options offer a travel money card which you can order online, top up, and then use for spending and withdrawals while you’re away. This can be an especially convenient option as it’s often possible to complete the whole process without needing to leave home.

To exchange currency in Halifax online:

• Choose an online currency exchange service which suits your needs
• Order your travel money or travel money card, following their specific process
• You'll normally need to upload an image of your photo ID document for verification
• Your money or card can be delivered to home or collected, depending on the provider you pick

Things to look at before exchanging money

Before you decide how to exchange money it’s worth shopping around to compare a few different available options. That can mean your money goes further. Here are a few more important tips:

Avoid airport currency exchanges

Airports often have currency exchange services - but they’re not usually good value. Services at the airport know that customers have few options left, which means they can crank up the costs. You may not see any fee displayed, but there are likely to be charges rolled into the exchange rate used to convert your dollars to the currency you need, which can be very high.

Check the mid-market rate

Not sure what a good rate looks like? Check the mid-market rate for your specific currency. The mid-market rate is the one used on global markets, and when banks buy and sell currencies. However, it’s not usually passed on to customers. Instead extra fees are added - a markup, margin, or spread. Compare the rate you’re being offered to the mid-market rate for your currency - which you can get from Google - to see this.

Beware of ATM rates

If an ATM in a foreign country asks if you’d prefer to pay in dollars, say no. If you agree, the ATM will manage the currency conversion for you - and that ATM will not give you as good a rate as the one your bank or card network offers. Pay at ATMs and with merchants using the local currency wherever you are, to avoid this.

Get a travel money card from Wise

Travel money cards can help you avoid costs and hassle when exchanging money. Order a card online, add a balance in dollars, and either convert to the currency you need in advance or at the point of payment. Providers like Wise support 40+ currencies for holding and exchange, and often use better exchange rates and lower fees compared to physical currency exchange stores.

Factors to consider when choosing an exchange provider in Halifax

Before you pick the right Halifax currency exchange option for your needs, do a little shopping around. Compare the available options, looking at the costs involved, how safe they are, and what customers say about them.

When considering costs make sure you check both the exchange rate and the fees charged. It's common for services to state there's no commission, when the costs have simply been added into the exchange rate being used.

Double check safety by picking a reputable and licensed provider. If you're exchanging money at a major bank you can rest assured it's licensed. If you're using physical currency exchange stores it's worth asking how they're regulated - and with online providers you can usually find everything you need in a footnote on the website, including licensing details.

Finally, ask around for personal recommendations from friends and family in Halifax, and use online resources like Google reviews and Trustpilot to make sure previous customers are positive about any service you might pick.

Best foreign currency exchange rates in Halifax

Exchange rates can be confusing. It can often seem like every bank, exchange store or online service has their own rate - and choosing can feel daunting.

The key to getting the best currency exchange rate in Halifax is to understand the mid-market exchange rate for your currency pair. The mid-market rate is the rate used when trading on global markets - the one banks and currency exchanges get when they buy or sell currencies themselves. However, providers usually don't pass on this rate to customers - they'll add a percentage markup or margin, which is a fee, to the rate offered to retail customers buying or selling relatively small amounts of currencies.

You can take the mid-market rate for your currency as a good benchmark when measuring up your options for currency exchange in Halifax. Find the mid-market rate on Google, and then look for a provider which offers this or as close as possible to it.

Another good bet is to pick a travel money card from a service like Wise which offers currency exchange which uses live mid-market rates, with the fees split out for clarity and transparency.

When is the best time to exchange currency

Exchange rates change a lot, based on the demand in global markets. That means that there's no best time for currency exchange, but tracking the market can certainly help you spot a good deal when one becomes available.

Keep an eye on the mid-market rate for your currency, using any of our handy tools, and watch how it's changing over time. It's also possible to set up rate alerts online which can help you learn when a rate hits the level you're looking for. If you're planning on converting cash - or if you have a travel money card - you can lock in the rate by buying your foreign currency at that point.

No matter how good a deal you think you're getting, be sure you're picking a safe and reputable provider for your exchange. If it sounds too good to be true it probably is.

Tips for finding the best currency exchange rates in Halifax

Here are a few final ideas on how to find the best exchange rates in Halifax, no matter which currency you need to buy:

• Compare the available rates across different providers close to you and online - and be sure to check for any additional fees or commissions which can push up costs significantly
• Use online currency converters or mobile apps to stay updated on the current exchange rates for your currency pair, and buy when the time's right
• Consider using an online alternative such as Wise or https://revolut.ngih.net/c/2840549/1765204/9626(https://revolut.ngih.net/c/2840549/1765204/9626?subid1=exiap-ca&subid2=guides&subid3=guides%2Fcurrency_exchanges_best_in_halifax_nova_scotia ) so you can instantly convert currencies using just your phone, wherever you're ready

Why buy foreign currency in Halifax?

Getting your foreign currency in Halifax may offer a better deal compared to buying it from the airport or in your destination country. Airport exchange services know they have a captive audience and can add in extra fees and exchange rate hikes, pushing up the price you pay. Exchanging money in your destination eats into your precious holiday time - plus you may be targeted by unscrupulous money changers with bad rates.

Here are a few good reasons to exchange your currency in Halifax:

• As you have time to shop around, you may find you can get better exchange rates
• Buying currency close to home (or even without leaving home) offers speed and convenience
• It's far easier to check the safety and reputation of a provider you know, rather than picking one at your destination
• You won't need to waste your holiday standing in line in a currency exchange store - you can get on with your trip instead

There are a few different ways you might want to currency in Halifax. You could head to a bank, choose a physical currency exchange service, or go for an online option.

There are also some great travel money cards from providers like Wise and Revolut which allow you to order a card online or in an app, top up remotely, and spend or make withdrawals overseas easily. Travel money cards are secure and often offer better exchange rates and lower overall costs compared to switching currency at the airport or in a physical location in your destination.

Use this guide to figure out which currency exchange in Halifax might be best for you, and don't forget to also take a look at travel money cards to see if popping one in your wallet can help you save.

FAQ - Best places to exchange currency in Halifax

There's not one single best place to exchange currency for travel, but converting your currency online before you head off can save time - and often money. One convenient option is to get a travel money card from a provider like Wise or Revolut, to add and exchange money with just your phone.

The cheapest way to get foreign currency in Halifax will depend on the currency you need and the value you want to exchange. This guide gives some good pointers to locations you may want to compare, but shopping around is still essential. Compare the exchange services in Halifax with online and digital services to get the best deal overall.

Exchanging cash on arrival is inconvenient and can leave you vulnerable to scams and unscrupulous money changing services in your destination. You can exchange money before you go conveniently - or get a travel money card which you can top up digitally and use for spending and withdrawals when you're away, often with great rates and low fees.

Yes. If you get a bad exchange rate - or high commission costs - you'll end up with less money in the end for your trip. Before you exchange money, shop around and compare both on and offline options to make sure you get a good deal without excessive fees.

Banks and currency exchange stores can exchange your foreign currency back to Canadian Dollar - but the rate is unlikely to be as good as it was when you converted in the first place, which means you get less back than you spent. Instead, consider a travel money card like the Wise card which lets you leave your money in dollars and convert on the spot when you make a payment or withdrawal overseas.

More places to exchange currency in Canada

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Order Travel Money

Get next-day delivery on travel money before your next trip.

Log in to order travel money

You can do this online

• Order online by 3pm for free next working day delivery at home or collection  from a branch .
• Get a wide range of currencies, including popular ones like U.S. dollars and euros.
• No hidden fees and preferential rates with a Platinum , Vantage or Silver account.

You need a Bank of Scotland current or savings account, and Internet Banking access.

View delivery timescales and cut-off times

How to do it

We'll take it step by step.

Mobile Banking app guide expandable section

Internet banking guide expandable section.

• Log in and go to the  Other services  menu on the left. Select  Travel money .
• Select the currency you'd like to buy. Then enter the amount you want.
• Review your quote. If you're happy, select delivery type.
• Choose your delivery option. We can send your order to your home address. Or you can collect it from a branch of your choice.
• Select your payment option on the payment details page.
• Confirm you’ve read the terms and conditions. Then select  Confirm order .
• Once completed, you'll see a success message. Your order will then be ready for you, as  explained here . 
• Log in, select the More menu followed by Travel . Then choose Order travel money .
• Review your quote. If you're happy, choose  Select delivery .
• Select your delivery option. We can send your order to your home address. Or you can collect it from a branch of your choice.
• Choose your payment option on the payment details page.
• Once completed, you'll see a success message with your order reference number. Your order will then be ready for you, as  explained here . 

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If you don't bank online expandable section

You can visit your  nearest branch  to buy travel money. If you need travel money fast, you can get euros and U.S. dollars instantly over the counter.

At the moment, you can't order travel money by phone. 

A look at the details

How much you can order expandable section.

The minimum amount you can order is £200 and the maximum is £3,000. You can make multiple orders, up to the value of £7500 in a single day.

We'll provide your order in whatever denominations are available. For example, if you order $500 you may receive this in any combination of notes.

Where we deliver to expandable section

We can deliver your travel money to your home address. This must be in the British mainland or Northern Ireland.

We use Royal Mail First Class signed for delivery. The delivery needs a signature.

You can also have your order delivered to your local branch and collect it from there.

You can't collect travel money or sell it back at a counter-free branch.

Delivery timescales expandable section

For home delivery.

Place your order by 3pm on a working day for next-day delivery. Home delivery will take place before 1pm on the next working day. The delivery needs a signature.

If you place an order after this time, delivery will take place on the second working day. For example, if you order on a Saturday, delivery takes place on Tuesday.

To collect from a branch

Place your order by 3pm on a working day for next-day collection. You can collect your order from your chosen branch after 1pm on the next working day. 

If you place an order after this time, you can collect it on the second working day. For example, if you order on a Saturday, the money will be available on Tuesday.

Cut-off times and working days

Next-day delivery cut-off times apply to working days. Working days are Monday to Friday. Saturday, Sunday, bank and public holidays are not working days.  If Monday is a bank holiday, delivery will take place on the next working day.

If you live in Scotland, Northern Ireland, or a remote area, delivery may take longer.

Please note – once you’ve confirmed your order, we can’t change your delivery address or day.

Fees and commission expandable section

No, we don’t charge commission and there are no fees. Deliveries to your home address or a Bank of Scotland branch are completely free of charge.

What to do with unused travel money expandable section

You can take leftover travel money to one of our branches with a counter service . We’ll buy them back from you based on the exchange rate on that day. This rate may have changed since you bought your travel money. If the amount is too low, we won't be able to buy it back. We may not be able to buy back some currencies or Travellers' Cheques.

If you change your mind expandable section

You can’t cancel your order once you’ve confirmed it. You can exchange your money back to Pounds Sterling (GBP) at one of our branches with a counter service once you’ve received it.

Orders sent to a branch are kept there for 10 working days after the delivery date. After that date we'll cancel your order and return it to the processing centre.

We refund cancelled and returned orders at the buy-back exchange rate of the day we process them.

Important information about travel money

We send home delivery orders using Royal Mail Special Delivery . Royal Mail’s Special Delivery conditions apply. Copies of these are available from Royal Mail on request.

Different timescales may apply to Scotland and Northern Ireland. We may not be able to guarantee deliveries to certain remote areas within the United Kingdom. We can only deliver to the British mainland and Northern Ireland and it must be to the cardholder’s billing address.

Orders sent to a branch are kept there for 10 working days from the delivery date you chose. After that date we'll cancel your order and return it to the processing centre.

We refund cancelled and returned orders at the buy-back exchange rate of the day we process them. This means you'll usually receive back less than you originally paid. Refunds can take up to two weeks to reach your account. If you would like an immediate refund please visit a branch.

We may stop buying back certain foreign currency bank notes and travellers cheques at any time and without notice.

The Internet Banking service is generally available 24 hours a day, 365 days a year. There may be periods when it isn’t available because of routine maintenance .

Make sure you're set before you go abroad.

Other travel services

Halifax Foreign Currency Exchange Rates in 2024

Jarrod Suda

A writer and editor at Monito, Jarrod is passionate about helping people apply today’s powerful finance technologies to their lives. He brings his background in international affairs and his experiences living in Japan to provide readers with comprehensive information that also acknowledges the local context.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Halifax is a well-known British retailer that offers foreign currency exchange for travel money, which you can pick up at their stores or have it delivered to you.

Understanding Halifax exchange rates is important for anyone who is planning to travel abroad because they do not often offer the best rates. In this article, you'll see how to find the Halifax exchange rate and how to calculate the hidden fees.

We also provide a list of some of the best Halifax alternatives, such as Starling Bank , Revolut and Wise , that exist in 2023.

Our highlights for the best travel money exchange rates:

• Revolut : Get a starling and euro account, plus hold and exchange over 30 foreign currencies with no fees for the first £1,000 per month exchange during the week. | Read our Revolut review .
• Starling Bank : Get a free GBP and EUR bank account and access both currencies with the Starling debit card, which waives all foreign transaction fees and charges no ATM fees. | Read our Starling Bank review .

Everything You Need to Know About Halifax Exchange Rates

• 01. What is the Halifax exchange rate today? scroll down
• 02. Comparison table of Halifax exchange rates scroll down
• 03. Halifax travel money limits and fees scroll down
• 04. Factors that affect Halifax exchange rates scroll down
• 05. Get the best Halifax alternatives scroll down

What is the Halifax Exchange Rate in 2023?

The most important thing to note as a Halifax customer is that their exchange rates are always weaker than the real mid-market rate . This is also known as the spread. Exchange rate margins are used by Halifax to cover their costs and make a profit.

We recorded the Halifax exchange rate on their website from the British Pound to the Euro at 9:25 on 14 September 2023 . For example, if you had exchanged £1,000 at the mid-market rate, you would have gotten around €1,162. With Halifax, you get only €1,121.

• Real Mid-Market Exchange Rate: £1 = 1.162 EUR
• Halifax Exchange Rate: £1 = 1.1213 EUR

Due to the hidden exchange rate margin fee in this example, you would lose £41 to Halifax if you exchanged £1,000 for Euros:

• Hidden Exchange Rate Margin Fee: £41

While mid-market exchange rates are subject to fluctuate constantly from second to second, be aware that the Halifax exchange rate will fluctuate along with it at a weaker rate.

Compare the Halifax Exchange Rate in 2023

In the graph below, we compare several travel money exchangers across the UK. See how Halifax's rates compare against other providers.

You'll notice that many providers advertise themselves as commission-free. However, commissions are not the only important factor to take into account when finding the best deal. The hidden exchange rate margin, card surcharges, and cash delivery fees will all affect how much currency you'll receive at the end of the transaction.

The hidden exchange rate margin fee that we recorded below is not guaranteed. However, we calculated the margin and by recording both the real mid-market exchange rate and the provider's exchange rates at the same time, at 9:25 CEST on September 14th, 2023. In this comparison test, we requested a £1,000 conversion into Euros at each provider:

Halifax vs Other UK Bureau de Change Euro Rates

Check out this table to compare Halifax's euro rate margins, commission, and other fees to those of other UK travel money bureau de change.

Data quoted: 14 September 2023 *Calculated on 9:25 CEST on September 14th, 2023 for a £1,000 conversion into Euros (margin may vary depending on the foreign currency)

Halifax Travel Money Limits and Fees

In addition to hidden exchange rate margins and commission fees, bureau de change in the UK may impose some transaction limits, cash delivery fees, and surcharges when paying by debit or credit card.

Halifax Travel Money for In-Store Pick-Up

Halifax sets £200 minimums and £3,000 maximums for travel money bought in-store.

• Minimum order amount: £200
• Maximum order amount: £3,000
• Surcharge for payment by debit card: None
• Surcharge for payment by credit card: None

Halifax Travel Money for Home Cash Delivery

For online travel money orders, the minimum order amount is £200 and the maximum is £3,000. Halifax does not charge fees for sending money to your home or to your closest branch for pick-up. Your home address must be in the UK or Northern Ireland.

• Maximum order amount:  £3,000
• Minimum order amount for free delivery:  No Minimum
• Delivery charge for orders under free delivery amount:  None
• Surcharge for payment by debit card:  None
• Surcharge for payment by credit card:  None

Factors That Affect Halifax Exchange Rates

Exchange rates are influenced by a variety of complex factors, including inflation, interest rates, international trade flows, government intervention, and much more. The unpredictability of exchange rate fluctuations is due in large part to the combined influence that all of these factors have at once on the value of a given currency.

In regards to foreign exchange for travel money, customers should take heed on one crucial fact: bureau de change and providers like Halifax will often automate their exchange rates so that they fluctuates in sync with the market, but at a weaker rate.

Before you exchange your British pounds for Euros, US Dollars, or any other currency for your travels, make sure to compare Halifax's exchange rate to the real mid-market rate.

Get the Best Exchange Rates with Halifax Alternatives

With the introduction of travel debit cards and the development of multi-currency accounts , there are now limited benefits to getting travel currency in the UK through a travel money provider (such as those found on platforms like MoneySuperMarket).

Traditionally, getting physical bills of foreign cash from a travel money exchange in the UK served as a convenient option before your journey. Nevertheless, it has become significantly more cost-effective to simply withdraw cash at an ATM during your overseas trip. Additionally, the majority of retailers and merchants abroad now readily accept card payments. Moreover, there are travel cards available that exempt you from foreign transaction fees . Their virtual cards also reduce the risks associated with carrying substantial amounts of cash while traveling.

In the following list, we will compare three companies for getting travel currency while in the UK . Let's explore these options:

Revolut  is our top choice for travel money in the UK because it charges zero fees for first £1,000 per month that you exchange (only on weekdays, since weekend surcharges apply). The platform works entirely by desktop or smartphone, and they send you a debit card to access your travel money. After the fair usage limit, Revolut charges 1% of the total for Standard plan customers.

What's just as impressive is Revolut's exchange rate fees. While markups vary by currency and increase on the weekends, the average margin is a minuscule 0.2%. For euros (€), the most popular currency used for travel money in the UK, Revolut sometimes applies an exchange rate that is actually stronger than the European Central Bank's mid-market rate. While not guaranteed, this means you can gain when you exchange your GBP to EUR for your next holiday in the Eurozone.

You can use Revolut's debit card to use at ATMs for local cash. As a Standard customer, you'd get £200 per month of fee-free withdrawals, though third-party ATM withdrawal fees may still apply.

Learn more: Read our in-depth  Revolut review  or  visit their website .

• Trust & Credibility 8.9
• Service & Quality 7.9
• Fees & Exchange Rates 8.3
• Customer Satisfaction 9.4

Starling Bank

Starling Bank  stands out as one of the premier debit cards for international travel for customers in the UK, thanks to its absence of foreign transaction fees. If you solely have their GBP account, your Starling Bank card will apply the live exchange rate used by MasterCard, which closely aligns with the mid-market exchange rate.

Starling Bank also provides EUR accounts for no additional cost, making it an ideal choice for traveling to countries that accept euros. In such instances, your Starling Bank debit card will access these account balances, allowing it to be recognised as a local Eurozone card.

One of the most compelling features of Starling Bank is its complete exemption from ATM fees, both domestically and internationally. Irrespective of the amount of cash withdrawn or the frequency of withdrawals, Starling Bank never imposes any fees for ATM transactions. While third-party fees may still apply, as determined by the ATM owner, this travel benefit solidifies Starling Bank's position as the top debit card for international travel for UK residents and citizens.

More info: Read our in-depth  Starling Bank review  or  visit their website .

• Trust & Credibility 9.3
• Service & Quality 8.5
• Fees & Exchange Rates 10
• Customer Satisfaction 9.3

Wise Account

The power of the  Wise  multi-currency account comes from never charging hidden exchange rate margin fees . No matter which foreign currency you want, Wise will always apply the real mid-market exchange rate to your British pounds. Instead, it charges a transparent service fee that ranges from 0.3% to around 2% depending on the currency.

The Wise account lets you exchange, hold, and spend over 50 foreign currencies with its debit card. It even comes with checking account details for 10 countries, including a UK sort code, US account number, EU IBAN, and more. This means you can receive money locally from those countries with direct debits, SEPA payments, and other methods.

For holiday cash, you can use the Wise debit card for 2 free ATM withdrawals for a total of £200 per month.

Learn more: Read our in-depth  Wise review  or  visit their website .

• Service & Quality 8.9
• Fees & Exchange Rates 7.6
• Customer Satisfaction 9.6

References Used In This Guide

Convert GBP to EUR. XE.com . Accessed 14 September 2023. Currency Conversion. John Lewis Finance . Accessed 14 September 2023. Travel Money. Tesco Bank . Accessed 14 September 2023. Buy Euro Travel Money. Marks and Spencer Bank . Accessed 14 September 2023. Travel Money. Halifax.co.uk . Accessed 14 September 2023. Foreign Currency Conversion Terms & Conditions. UK Post Office . Accessed 14 September 2023. Post Office Travel Money. Wise.com . Accessed 14 September 2023. Travel Money Help. Travel FX . Accessed 14 September 2023. Travel Money FAQ. Sainsbury's Bank . Accessed 14 September 2023. Travelex FAQs. Travelex . Accessed 14 September 2023. Travel Money. Thomas Cook . Accessed 14 September 2023. Send Money. Wise . Accessed 14 September 2023. Send Money to Europe. Starling Bank . Accessed 14 September 2023. Currency Converter. Revolut . Accessed 14 September 2023.

From the United Kingdom? Revolut is not licensed as a bank in the UK. The content found on this page relating to its products and services is not intended exclusively for a UK readership and may therefore contain inaccuracies from the perspective of UK customers.

Travel Money Comparisons of Halifax Exchange Rates

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Halifax travel money exchange rates compared

We logged into Halifax to compare their travel money exchange rates against the competition

Updated: 30 May 2022

Most currency suppliers publish their travel money exchange rates online for all to see, but some high street banks such as The Halifax only make their exchange rates available to customers who are logged into their online account. Naughty Halifax!

I'm not a fan of companies hiding their exchange rates; it makes it difficult to know how competitive their currency deals are, and in my experience if a company chooses not to publish their exchange rates it's usually because their rates are pretty awful.

So, in the interests of science, I've done the work for you and compared Halifax's exchange rates for some of the most popular currencies ordered in the UK.

This isn't as good as getting real, live exchange rates from The Halifax, but it gives you a rough idea of where they stand against the competition. The rates below are a snapshot of how competitive Halifax's travel money deals were compared to the best and the worst rates available online at the time.

Data compiled at 19:55 on 30 May 2022. Best online rates were those available on CompareHolidayMoney.com at the time of writing.

Halifax rates are 7.2% lower on average

The results show that on average The Halifax exchange rates were 7.2% worse than the best rates available online at the time. The difference was smaller for euros and US dollars and larger for the more exotic currencies like Croatian kuna and Turkish lira.

In real terms, if you were buying £1000 worth of euros, you'd get €41 more by going with the best online rate compared to if you had ordered with The Halifax.

You might think it's a bit unfair to compare The Halifax's exchange rates with those available online at the time but it doesn't make a difference - you can order travel money online through Halifax (if you're a Halifax account holder) and you'll get exactly the same rate that you would have if you ordered over the counter in a Halifax branch.

As an aside, the worst online exchange rates were all from other UK high street banks; notably Barclays and Santander (who do publish their exchange rates online).

The obvious conclusion from this is banks offer some of the worst exchange rates in the UK so if you can buy your currency literally anywhere else, you'll probably get a better deal.

Where to get the best exchange rates

Unsurprisingly, the best exchange rates can always be found online. For high street currency providers including supermarkets and the Post Office, you'll usually get a better deal if you order online via their website instead of walking in off the street.

To find the very best currency deals available in the UK right now, use our free comparison tool to see who is offering today's best exchange rates .

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The benefits of exchanging your holiday money with M&S Bank

Wide range of foreign currencies.

We offer a wide range of foreign currencies in our Bureaux, with more available to order online. It is easy to compare travel money with M&S Bank. See footnote * *

As well as the euro and US dollar , our range includes currencies such as the UAE dirham, Bulgarian lev , Turkish lira , Thai baht and Mexican peso .

Travel money sale now on!

Click & Collect sale on euro and US dollar available until 11 April 2023.

£150 minimum order. Exchange rates will still fluctuate daily during the sale period, but you’ll receive the best rate applicable on the date your order is placed. Rates shown when placing your order are sale rates. Offer subject to availability, buy back not included. Cancellation fee and full T&Cs apply.

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• Order between £150 and £2,500
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• Order and collect euro , US dollars , Turkish lira , New Zealand dollar , Australian dollar , Thai baht , Canadian dollar , South African rand and UAE dirham, from our Bureau the same day

Find my nearest Click and Collect store

Click & Collect † See footnote †

• A wide range of currencies available to collect from our in store Bureaux See footnote * *
• Order and collect from the next day

Our best rates on euro and US dollar when you Click & Collect

To get an even better exchange rate on euro and US dollar , use our Click & Collect service. Pay now and lock in today's rate, then collect from a store at a time convenient for you.

CHANGE4CHANGE

If you would like to donate your unused foreign currency to charity we have Change4Change collection boxes in our Bureaux, with all the money we collect going to Breast Cancer Now. Since 2007, we have raised over £630,000 for the charity via your Change4Change donations.

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Travel money buy-back service

When your holiday is over, we'll buy back your leftover holiday money at the buy-back rate on the day you return it to the Bureau de Change. That's all unused notes in any denomination we sell.

Find out more about M&S Travel Money Buy Back service

If you would like to donate your unused foreign currency to charity we have Change4Change collection boxes in our Bureau stores, with all the money we collect going to Breast Cancer Now. Since 2007, we have raised over £630,000 for the charity via your Change4Change donations.

Find a bureau

When your holiday is over, we'll buy back your leftover holiday money at the buy-back rate on the day you return it to the bureau de change. That's all unused notes in any denomination we sell. Proof of purchase may be required so please retain your receipt, just in case.

Up to 55 days' interest-free credit when purchasing with an M&S Credit Card See footnote ** **

Representative example: based on an assumed credit limit of £1,200, our 24.9% rate per annum (variable) for purchases gives a representative rate of 24.9% APR (variable). Credit is subject to status.

No cash advance fee when M&S Travel Money is purchased using an M&S Credit Card.

What you'll need to bring

To collect foreign currency you've purchased online, you will need:

• A valid UK photographic driving licence, passport or EU national identity card (Romanian & Greek National ID Cards are not accepted)
• Your card you used to place your order - both ID and payment card must have the same name
• Your order number (this can be found on your confirmation email)

To purchase foreign currency in one of our Bureaux, you will need:

• A valid UK photographic driving licence, passport or EU national identity card - both ID and payment card must have the same name

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Frequently asked questions

Can i use a credit card to purchase travel money.

Yes, you can use a credit card to purchase travel money. However, please check with your card provider as they may apply fees or charges e.g. cash advance fees or other fees.

Our Bureaux accept the majority of UK issued major credit cards.

How much cash can I travel with?

You can learn more about taking cash in and out of Great Britain and declaring cash by visiting gov.uk .

Should I get foreign currency before I travel?

Buying your travel money before you travel can be an important part of pre-holiday preparation. You can use our Currency Converter to get the latest exchange rates across worldwide holiday destinations.

Where can I collect M&S Travel Money from?

You can collect M&S Travel Money from over 100 bureaux de change or from over 350 stores nationwide. You can find your nearest M&S Bureau de Change using our Bureau Finder .

Where can I get the best exchange rate?

Exchange rates change on a regular basis and vary depending on the currency you order. At M&S Bank, we offer our best rates for euro and US dollar via the Click & Collect service, where you can order your currency and collect from the next day in an M&S location local to you. If you order online before 4pm, you can collect the same day. For all other currencies, check our website for more information.

How much travel money can I order?

For orders placed via Click & Collect, there is a minimum £150 order and maximum of £2,500. For Bureau de Change walk-ups, there is no minimum order.

How do I confirm my Travel Money purchase using my M&S Credit Card?

There are three ways to verify your payments - you can use our M&S Banking App, a one-time passcode via text message or by using a card reader to verify your payment. Use our how-to videos or step-by-step guides to find out more.

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Useful information

View exchange rates

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Important documents

M&S Travel Money Terms and Conditions

M&S Travel Money Click & Collect Sale Terms and Conditions

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* Subject to availability

** With the M&S Credit Card, you'll receive up to 55 days' interest-free credit when you pay your balance in full and on time each month.

† Next Day collection is subject to availability. Please confirm your collection date and location at the checkout.

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Using your debit card abroad

Order Travel Money

Next-day delivery gives you one less thing to sort out before you travel.

You can do this online

• Order online by 3pm for free next working day delivery at home or collection from a branch .
• Get a wide range of currencies, including popular ones like U.S. dollars and euros.
• No hidden fees and preferential rates with a Club Lloyds , Platinum or Silver account.

You need a Lloyds Bank current or savings account, and Internet Banking access.

View delivery timescales and cut-off times

Steps to take

We’ll guide you through it.

Mobile Banking app guide expandable section

Internet banking guide expandable section.

1. Log on and go to the Other services  menu on the left. Select Travel money .

2. Select the currency you'd like to buy. Then enter the amount you want.

3. Review your quote. If you're happy, select delivery type.

4. Choose your delivery option. We can send your order to your home address. Or you can collect it from a branch of your choice.

5. Select your payment option on the payment details page.

6. Confirm you’ve read the terms and conditions. Then select Confirm order .

7. Once completed, you'll see a success message. Your order will then be ready for you, as  explained here .

1. Log on, select the More menu followed by Travel . Then choose Order travel money .

3. Review your quote. If you're happy, choose Select delivery .

4. Select your delivery option. We can send your order to your home address. Or you can collect it from a branch of your choice.

5. Choose your payment option on the payment details page.

7. Once completed, you'll see a success message with your order reference number. Your order will then be ready for you, as  explained here .

Getting started online

Join our 8 million app users.

• Simple and secure log on.
• Stay up to date with notification.
• Chat to our Virtual Assistant.

More about our app

Log on to view or manage your accounts on our website.  

• Chat to our Virtual Assistant.”

Download app

Log on to view or manage your accounts on our website.

If you don't bank online expandable section

You can visit your nearest branch to buy travel money. If you need travel money fast, you can get euros and U.S. dollars instantly over the counter.

At the moment, you can't order travel money by phone. 

Let’s look at the details

How much you can order expandable section.

The minimum amount you can order is £200 and the maximum is £3,000. You can make multiple orders, up to the value of £7500 in a single day.

We'll provide your order in whatever denominations are available. For example, if you order $500 you may receive this in any combination of notes.

Where we deliver to expandable section

We can deliver your travel money to your home address. This must be in the British mainland or Northern Ireland and the cardholder's billing address.

We use Royal Mail First Class signed for delivery. The delivery needs a signature.

You can also have your order delivered to your local branch and collect it from there.

You can't collect travel money or sell it back at a counter-free branch.

Delivery timescales expandable section

For home delivery.

Place your order by 3pm on a working day for next-day delivery. Home delivery will take place before 1pm on the next working day. The delivery needs a signature.

If you place an order after this time, delivery will take place on the second working day. For example, if you order on a Saturday, delivery takes place on Tuesday.

To collect from a branch

Place your order by 3pm on a working day for next-day collection. You can collect your order from your chosen branch after 1pm on the next working day. 

If you place an order after this time, you can collect it on the second working day. For example, if you order on a Saturday, the money will be available on Tuesday.

Cut-off times and working days

Next-day delivery cut-off times apply to working days. Working days are Monday to Friday. Saturday, Sunday, bank and public holidays are not working days.  If Monday is a bank holiday, delivery will take place on the next working day.

Please note – once you’ve confirmed your order, we can’t change your delivery address or day.

We send home delivery orders using  Royal Mail Special Delivery . Royal Mail’s Special Delivery conditions apply. Copies of these are available from Royal Mail on request.

Different timescales may apply to Scotland and Northern Ireland. We may not be able to guarantee deliveries to certain remote areas within the United Kingdom. 

Fees and commission expandable section

No, we don’t charge commission and there are no fees. Deliveries to your home address or a Lloyds Bank branch are completely free of charge.

What to do with unused travel money expandable section

You can take leftover travel money to one of our branches with a counter service . We’ll buy them back from you based on the exchange rate on that day. This rate may have changed since you bought your travel money. If the amount is too low, we won't be able to buy it back. We may not be able to buy back some currencies or Travellers' Cheques.

We may stop buying back certain foreign currency bank notes and travellers cheques at any time and without notice.

If you change your mind expandable section

You can’t cancel your order once you’ve confirmed it. You can exchange your money back to Pounds Sterling (GBP) at one of our branches with a counter service once you’ve received it.

Orders sent to a branch are kept there for 10 working days from the delivery date you chose. After that date we'll cancel your order and return it to the processing centre.

We refund cancelled and returned orders at the buy-back exchange rate of the day we process them. This means you'll usually receive back less than you originally paid. Refunds can take up to two weeks to reach your account. If you would like an immediate refund, please visit a branch.

Important information about travel money

We send home delivery orders using Royal Mail Special Delivery . Royal Mail’s Special Delivery conditions apply. Copies of these are available from Royal Mail on request.

Different timescales may apply to Scotland and Northern Ireland. We may not be able to guarantee deliveries to certain remote areas within the United Kingdom. We can only deliver to the British mainland and Northern Ireland and it must be to the cardholder’s billing address.

We refund cancelled and returned orders at the buy-back exchange rate of the day we process them. This means you'll usually receive back less than you originally paid. Refunds can take up to two weeks to reach your account. If you would like an immediate refund please visit a branch.

The Internet Banking service is generally available 24 hours a day, 365 days a year. There may be periods when it isn’t available because of routine maintenance .

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Upgrade your bank account.

Upgrade to a Platinum account and for a monthly maintaining the account fee you’ll get benefits including:

• worldwide, multi-trip family travel insurance
• mobile phone insurance.

Benefits are provided by third party providers.

More about our Platinum Account

Looking for other travel services?

Costs for using cards abroad

See all travel services

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Sending money outside the UK or in a foreign currency

Make sure you're set before you go abroad.

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Traffic woes: Halifax plans to re-evaluate roadways and flow amidst population spike

If you get Global News from Instagram or Facebook - that will be changing. Find out how you can still connect with us .

A major collision involving the driver of a truck careening off an overpass in Halifax and onto a highway is highlighting the municipality’s weak spots when it comes to traffic and roadways.

There were no major injuries in Thursday afternoon’s crash. But it did leave parts of Highway 102 and 101 closed for hours near Lower Sackville.

“I think it shows where all the pinch points are and the fact that a major corridor or a major highway like the 102, if that is shut down, then all of the side roads are going to take that traffic,” said District 14 Coun. Lisa Blackburn, who represents the area. “And those are side roads that are not built to take that level of traffic.”

Blackburn herself was caught up in Thursday’s gridlock. She says, however, that collisions aren’t the only reason for congestion.

Summer construction is now in full effect. In addition, Halifax Regional Municipality’s population continues to grow, which means more vehicles on the road.

“We definitely realize that there’s going to be an infrastructure crunch. We can’t have this many people settling in our city and not have to adjust our infrastructure accordingly,” said Blackburn. “But that’s going to take all levels of government, all orders of government to do that, because HRM alone does not have the money to build connector roads or build new highways.”

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And that’s where the provinces comes in. Megan Couture with the Joint Regional Transportation Agency — a provincial organization — says changes have to be made because government has set “some pretty aggressive population growth targets.”

“We are going to need additional infrastructure to do that to support the transportation system as we grow,” said Couture.

The agency exists to address the transportation issue in HRM by developing a regional transportation plan, which is expected to be complete in November.

“There are constraints, right? There are certain pinch points — getting on and off the peninsula especially is a real consideration,” said Courure. “We also see kind of a limited resiliency in the system. So when there is poor weather or there are accidents, there’s sort of this inability to recover quickly from that because there’s truly nowhere else for the traffic to go.”

While Couture says there is “no one solution” to fixing the congestion, increasing accessibility and appeal towards other modes of transportation can reduce dependency on single-occupancy vehicles.

“We want to set expectations realistically, but we can manage it.”

— with a file from Global News’ Rebecca Lau 

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You can do this online

• Use this service if your card is damaged or not working.
• When ordered, you'll receive a new card within five working days.
• You can use our app to view your new card details while you're waiting.

To use our online service your registered address needs to be within the UK.

How to do it

Let us show you step by step.

Mobile Banking app guide expandable section

Online banking guide expandable section.

• Sign in and select Help & Support then Order a replacement card or PIN .
• Scroll down and select replace card .
• Check your address. If this matches what is on your statements, scroll down and select continue.
• All done, your replacement card will arrive within the next five working days.
• Sign in and select manage card in the bottom navigation bar then Replace card & PIN .
• Scroll down and select Replace card .
• Check your address. If this matches what is on your statements, scroll down and select continue .

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More about our app

Online Banking

Sign in to view or manage your accounts on our website.  

Sign in now

Join our 7 million app users.

Download app

Sign in to view or manage your accounts on our website.

If you don’t bank online expandable section

You can also visit us in branch , or if you’d prefer to speak with someone on the phone, call us .

Let’s take a closer look

Order a replacement card to another address expandable section.

To send your replacement card to a different address to what is on your account statements, visit us in branch .

View your new card details expandable section

Debit card customers can view their card details in our app the following day.

Credit card customers can continue to view existing card details in the app and use them to make purchases online or over the phone.

Will I get a contactless card? expandable section

We send contactless cards to all eligible accounts unless you have opted out of contactless in the past.

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