post office travel card send money

Post Office Travel Card Review

Travelling is one of the most exciting and liberating experiences out there. Whether you’re jetting off to a far-off destination or just exploring your own country, having the right travel card can make the whole experience easier and more enjoyable.

Are you planning a trip? If so, you may be wondering if the Post Office Travel Money Card is a good option for you. In this article, we’ll take a close look at the Post Office Travel Money Card, how it works, and what you need to know before using it.

By the end of this guide, you’ll have all the information you need to make an informed decision about whether or not the Post Office Travel Money Card is right for your next trip.

Table of Contents

Benefits of Having a Travel Card

First and foremost, travel cards are an excellent way to earn miles and points. This can be incredibly valuable if you are a frequent traveller or want to visit somewhere far off where you’ll have to pay high airfare. Plus, you can use these miles and points to book travel, hotels, flights, vacation packages, and more.

Another major advantage of travel cards is their versatility. As you travel, you’ll have the ability to withdraw cash from ATMs using your card, pay for purchases using your card, and even get roadside assistance on select cards. You’ll also have access to excellent trip cancellation and travel insurance.

Plus, travel cards are typically easier to qualify for than other types of credit cards. This is because many companies view travel cards as a “safe” type of credit. However, having a travel card can also help to improve your credit score.

Post Office Travel Cards: What Are They?

The Post Office Travel card is a Mastercard prepaid card, which can be loaded with a choice of 23 currencies. ATMs are available in more than 200 countries where you can spend and withdraw money.

You can load your account with any currency before travelling and then use it abroad without having to convert your currency.

Post Office Travel offers a contactless card that can be accessed through its app.

Post Office Travel Cards Benefits and Features

Here’s a quick look at the Post Office Travel card’s main features and benefits:

Payments for low-value items can be made quickly and conveniently using contactless technology
Compatible with Apple Pay and Google Pay
With the Travel app, you can manage your card, top it up, transfer currencies, as well as freeze it.
You can choose from 23 different currencies and top it up whenever you need it
Accepted everywhere Mastercard is accepted
Call centre assistance is available 24/7
Whenever there is currency left over, it can be transferred into another currency by using the wallet-to-wallet feature
If you use a local currency supported by your card to spend abroad, there are no fees

Post Office Travel Card Costs

Travel money cards from the Post Office cost nothing to order and no fees apply when you pay for purchases using the currency you hold. Provided your available balance is in a currency accepted by the card, you can shop, dine, and drink without any charges.

When using your card in a country that doesn’t support the currency of your card, you will have to pay a 3% foreign transaction fee. Using your card in Brazil, for example, will result in a 3% foreign transaction fee since the Brazilian Real isn’t a supported currency.

Despite the card’s currency support, you’ll still have to pay ATM withdrawal fees. Each currency has a different ATM fee.

An example would be:

Euro – 2 Euros
Canadian Dollar – 3 Canadian Dollars
US Dollar – 2.5 United States Dollars
Swiss Franc – 2.5 Switzerland Francs
Australian Dollar – 3 Australian Dollars
Pound Sterling – 1.5 Pounds Sterling plus 1.5% commission

Regarding fees, one final note. There is a three-year validity period on all Post Office Travel cards. After your card expires, you will be charged a maintenance fee of £2 per month.

Exchange Rates

Exchange rates fluctuate based on the demand for currencies at the Post Office. Thus, you’ll receive a particular amount of travel money depending on the current exchange rate.

For travel money cards, you can get exchange rates at Post Office branches and on the website. Be sure to remember that rates may differ whether you are purchasing online, by phone, or in person.

In addition to the margin, the exchange rate at the Post Office will probably include a markup. When you search for the rate on Google or currency websites, you’ll most likely get an accurate one. Consequently, a margin will reduce the amount you receive when exchanging EUR, USD, or another currency.

A Post Office Travel Money company profits by offering its customers a better rate than the base rate. U.K. pounds are converted into U.S. dollars at a rate of 1.23 dollars per pound, for example.

If you exchange £400 through Post Office Travel Money, you can get 1.18 USD per pound. In this case, there is a difference of £16 or 4%. Exchange rates are better when you exchange large sums of money .

Exchange Rates for In-Branch Travel Money

According to the Post Office, in-branch exchange rates are determined by many factors, including branch location, competitor pricing, convenience, etc. The company will always strive to offer the best possible rate within these parameters. Online orders/distribution is the cheapest method for many retailers, as they can use centralised packing costs. Because of this, online exchange rates are always better than branch rates.

Comparing Post Office Travel Money Rates to Other Providers

There are several new services that it’s worth comparing directly to Post Office Travel Money.

Online-Only Banks

There have been several purely mobile banks launched in recent years both in the UK and across Europe. With services like Monzo, N26, Revolut, Monese, or Bunq, consumers can access a wide range of banking options.

Each of these modern financial institutions provides services such as money transfer agencies and international travel cards, and it makes sense to compare them with Post Office Travel Money.

For example, Monzo facilitates international money transfers through the popular exchange company Wise. For example, when sending a thousand pounds to a Swedish account using Monzo/Wise, the recipient receives 12,103 Swedish crowns versus 11,546 with Western Union, a difference of around 5%.

Other Currency Providers

It may also be possible to transfer money at a better rate in some countries. Using Xendpay, you could send 500 pounds to Saudi Arabia, and the beneficiary would receive 2,289 Saudi Riyals instead of 2,158 Saudi Riyals with Post Office Travel Money.

Supported Currencies

Prepaid travel cards from Post Office can be loaded with any of the following 23 currencies:

CAD – Canadian dollar
JPY – Japanese yen
USD – US dollar
AUD – Australian dollar
CHF – Swiss franc
AED – UAE dirham
CNY – Chinese yuan
DKK – Danish kroner
PLN – Polish zloty
CZK – Czech koruna
ZAR – South African rand
GBP – Pound sterling
TRY – Turkish lira
HKD – Hong Kong dollar
THB – Thai baht
HRK – Croatian kuna
SGD – Singapore dollar
HUF – Hungarian forint
SEK – Swedish kronor
SAR – Saudi riyal
NOK – Norwegian krone
NZD – New Zealand dollar

Sending Money With the UK Post Office

Many Post Office branches and their website offer Post Office Travel Money. They offer convenient and quick foreign exchange services. They are useful for local currency exchanges because they are so widely available. Post Office services like international money transfers and travel cards offer additional options for sending and spending overseas.

How to Get and Use a Post Office Travel Card?

Post Office travel cards are only available to UK residents over 18 years old.

Ordering Your Card

To order a Post Office Travel card, you can do one of three things:

You can order through the Post Office Travel app
Visit the Post Office website to apply online
Get your card at your local Post Office. It will be necessary to bring photo identification, like a passport or driver’s licence

Your card should be available immediately if you apply at a branch. Your card will be delivered within two to three days after you apply online or via the app.

Card Activation

It’s necessary to activate your travel card before you can use it. You’ll find detailed instructions in your welcome letter.

Using Your Card

ATMs and online sites that accept MasterCard accept Post Office travel cards, too. If you are buying something in person, you’ll need your PIN to verify your purchase and possibly your signature if the Chip and PIN system is not widely available in the country.

In some countries, contactless payments are also allowed for small amounts, although the rules and limitations vary.

According to its terms and conditions, you should not use your Post Office card in certain situations.

Some of them include:

Tolls on the road
Petrol pumps with self-service
Deposits for car rentals or hotels
Airline or cruise ship transactions

Adding Money to Your Card

With the Post Office Travel app, you can add money to your card easily. Additionally, you can add money at a local branch or on the Post Office website.

Buying Back Currencies

Having unused currency on your card gives you a few options. You may be able to withdraw cash at your local Post Office branch or ATM, but there may be a fee.

Wallet-to-wallet transfers are also available in the app. You can transfer unused balances from one currency to another. In preparation for your next trip to Europe, you can convert unused USD into EUR.

Each currency listed above can be topped up for between fifty pounds and five thousand pounds on your card. Your card can hold up to ten thousand pounds, as well as carry out transactions of up to thirty thousand pounds annually.

Different currencies have different limitations on cash withdrawals. For example, in a single transaction, you may withdraw up to 450 euros or 500 dollars.

App Overview

On Google Play and the App Store, you can download the Post Office Travel app for free. With the app, you can activate and order your card, check your balance, add money to it, and more.

In addition to transferring leftover currency between wallets, it’s possible to convert it to another currency you prefer by using the new wallet-to-wallet feature.

Furthermore, you can book airport parking, purchase travel insurance through the app, and use other features.

Contacting the Post Office

If you need assistance, you may reach the contact centre by dialling 0344 335 0109 in the United Kingdom or 0044 20 7937 0280 from abroad. Customer service is available each day of the week at any time of the day.

In addition, you can reach Customer Services at the Post Office in the following ways:

Postal mail at PO Box 3232, Cumbernauld, G67 1YU, Post Office Travel Card
Send an email to [email protected]

Post Office Travel Card: FAQs

Here are some common travel card problems you might encounter.

When I lose or damage a card, what do I do?

Post Office currency cards are easy to replace if lost or damaged. Your card will be blocked, and another one will be sent to you. App users can also freeze their cards.

How should I deal with a declined or blocked card?

The first thing you need to do is ensure that you have enough money in your account via the app. If you don’t have enough money in your account to purchase your item, call the customer care centre.

If I forget my PIN, what should I do?

Call the customer service centre if you cannot remember your travel money card PIN. If you need a new one, they can issue it for you.

My card is about to expire. What should I do?

A new card should automatically be sent to you. You can call the contact centre if it hasn’t arrived after the expiration date, and they’ll issue you another.

Post Office Prepaid Travel Card Summary

Travel cards from the Post Office are handy if you want to keep your money safe while you’re away from home. The convenience of not carrying cash around with you and not having to change money during your trip will make your trip much more enjoyable.

Because it’s a contactless card, you can pay in local currencies quickly and easily. This helps you budget because you can only spend what’s on it.

If you travel frequently or take multi-destination holidays, the card is convenient since you can store 23 currencies on it. A card that supports a variety of currencies might be more useful if you love exploring far-flung areas.

The exchange rate is a drawback to take into account. Post Office rates may be competitive (compared to airport exchange rates, for example), but they will likely include a margin or markup. ATMs also charge fees when you use your card.

Comparing other travel money cards could help you find a better deal, so make sure to shop around.

by Matt Woodley

Using the Post Office Travel Money Card: Pros and Cons

What is the post office travel money card, pros of the post office travel money card, cons of the post office travel money card, user experiences and reviews, how to get and use the card, best practices for cardholders, alternatives to the post office travel money card.

T he Post Office Travel Money Card is a convenient and secure way for UK residents to manage their finances while traveling abroad. This prepaid card allows travelers to load funds in multiple currencies, offering a practical alternative to carrying cash or using credit cards overseas. It’s particularly popular among those who seek a controlled and budget-friendly travel spending method.

The Post Office Travel Money Card is a prepaid, multi-currency card that can be loaded with up to 23 different currencies. It functions similarly to a debit card but is specifically designed for international travel. The card can be used to make purchases at millions of locations worldwide where MasterCard is accepted and to withdraw money from ATMs.

Convenience and Ease of Use : The card is straightforward to obtain and use. Travelers can easily load funds onto the card online or at a Post Office branch.
Security Features : The card is not linked to a bank account, reducing the risk of fraud. Additionally, if lost or stolen, it can be easily replaced.
Wide Acceptance : Being a MasterCard product, it’s accepted at a vast number of outlets and ATMs worldwide.
Currency Exchange Rates : Users benefit from competitive exchange rates compared to traditional currency exchange services.
Budget Control : The prepaid nature allows travelers to manage their spending effectively, avoiding the risk of debt.
Fees and Charges : Although the card offers free purchases, there are fees for certain transactions, such as ATM withdrawals and inactivity.
Limitations in Usage : Some countries and establishments may not accept the card, limiting its utility in certain situations.
Reloading Issues : Adding more funds to the card can be less straightforward, especially in remote areas or during non-business hours.
Customer Service Concerns : Some users have reported issues with customer service, particularly in resolving card-related problems quickly.
Comparison with Other Travel Money Options : While the card has many benefits, it may not always be the best option compared to other travel money products, like credit cards with no foreign transaction fees.

Feedback from users generally highlights the convenience and security of the card. However, some have noted the fees and reloading issues as drawbacks. It’s essential to consider both the positive and negative aspects to make an informed decision.

Obtaining the card is a simple process, either online or at a Post Office branch. Users need to load the card with the desired amount and can start using it immediately. For reloading, options include online transfers or visiting a Post Office.

To maximize the benefits of the card:

Keep track of spending and remaining balance.
Be aware of the fees for different transactions.
Have an alternative payment method as a backup.

Other options include other brands of travel money cards, credit cards with no foreign transaction fees, and traditional cash exchange. Each has its pros and cons, depending on individual travel needs and spending habits.

The Post Office Travel Money Card is a valuable tool for travelers seeking a secure and convenient way to manage their funds abroad. While it has several advantages, potential users should also be aware of its limitations and fees.

Q: How does the Post Office Travel Money Card work? A: It’s a prepaid card that you load with currency before traveling. You can use it for purchases and ATM withdrawals anywhere MasterCard is accepted.

Q: Are there any fees associated with the card? A: Yes, there are fees for certain transactions like ATM withdrawals, and there may be inactivity fees if the card is not used for a prolonged period.

Q: How do I load money onto the card? A: You can load money online or at any Post Office branch. The process is simple and can be done in multiple currencies.

Q: What should I do if my card is lost or stolen? A: Contact the Post Office immediately to report the lost or stolen card. They will arrange for a replacement and transfer the balance from the old card.

Q: Can I use the card in any country? A: The card is accepted in most countries worldwide. However, it’s always best to check the specific country’s acceptance before traveling.

Q: How does the card compare to using a regular debit or credit card abroad? A: Unlike regular cards, the Travel Money Card is prepaid, which helps in budget management. However, some regular cards might offer better exchange rates or lower fees, so it’s worth comparing options.

Q: Is the Post Office Travel Money Card a good option for all travelers? A: It depends on individual needs. The card is excellent for those who want a secure, budget-friendly way to carry money abroad. However, for those who travel frequently or to less common destinations, other options might be more suitable.

Expert Tips for Managing Hays Travel Money Effectively

Navigating TUI Travel Money for Better Holiday Finance

John Lewis Travel Money: Convenience and Value Combined

Marks & Spencer Travel Money : Maximizing Value with M&S Travel Money on Your Trips

create unique & memorable travel experiences with VOLodge

About volodge.

1325 Derry Rd E Suite 3, 2nd Floor, Mississauga, ON L5S 0A2, Canada

About Antique Wolrd
Antique News
Cards & Envelopes

The Post Office Travel Money Card Review: Key Features, Rates and Fees

If you’re heading overseas, a travel card could be a handy solution for covering your spending. They tend to be cheaper to use than your ordinary bank debit card, and can even offer better exchange rates compared to buying currency.

Holiday Cards
PSA Grading & BGS Grading: A Guide
I Love You Cards
Jumbo Greeting Cards
Lovepop Cards Review

There are lots of travel cards out there, but here we’re going to focus on the Post Office Travel card. We’ll run through what it is and how it works, along with fees, exchange rates, supported currencies and how to apply for one.

You are watching: The Post Office Travel Money Card Review: Key Features, Rates and Fees

And while you’re comparing spending options ahead of your trip, make sure to check out the Wise card. This international card can be used in 175 countries worldwide, automatically converting your pounds to the local currency at the mid-market rate. There’s only a small fee to pay for the conversion¹, or it’s free if you already have the currency in your Wise account.

But for now, let’s focus on the Post Office travel card.

¹ Please see Terms of Use for your region or visit Wise Fees & Pricing: Only Pay for What You Use for the most up-to-date pricing and fee information.

What is the Post Office travel card?

The Post Office Travel card is a prepaid Mastercard that you can load up with up to 23 currencies. You can use it for spending and ATM withdrawals in over 200 countries, in 36 million locations².

Simply top up with your chosen currency before you travel, then spend overseas without needing to convert currency.

The card is contactless and can be managed using the Post Office Travel app.

Key features and benefits

Here’s your quick at-a-glance guide to the main features and benefits of the Post Office Travel card ²:

Contactless for making fast and convenient low-value transactions
Available with Google Pay and Apple Pay
Manage, top up, transfer between currencies and freeze your card using the Travel app
Reload whenever you need to, with up to 23 currencies available
Can be used wherever Mastercard is accepted
24/7 call centre help is available if you need it
Wallet-to-wallet feature – where you can transfer any leftover currency to a new currency of your choice
No charges when you spend abroad using an available balance of a local currency supported by the card (although there are some fees to know about – we’ll look at those next).

Post Office travel card fees and charges

Post Office travel cards are free to order and there are no charges for paying retailers in the currencies held on your travel money card. So, you can spend in shops, bars and restaurants without any charge – as long as you’re paying with an available balance of a currency supported by the card².

If you do use your card in a country with a local currency that isn’t supported by the card, you’ll be charged a cross-border fee of 3%². For example, if you go to Brazil and use your card at a local restaurant, you’ll be charged the cross-border fee of 3% as Brazilian real isn’t supported by the card.

You’ll also be charged for withdrawing cash from any ATM, even in currencies supported by the card. These ATM fees vary depending on the currency used. For example ²:

Euro – 2 EUR
US Dollar – 2.5 USD
Australian Dollar – 3 AUD
Pound Sterling – 1.5 GBP + commission of 1.5%
Swiss Franc – 2.5 CHF
Canadian Dollar – 3 CAD.

One last thing to note on the subject of fees. All Post Office Travel cards are valid for up to 3 years. Exactly 12 months after your card expires, you’ll start to be charged a monthly maintenance fee of £2².

Here is also a list of the European countries that charge the highest ATM fees.

Exchange rates

The Post Office offers exchange rates that move up and down according to the demand for currencies. So, the exact amount of travel money you’ll receive on your travel card will depend on the rate at the time of your purchase.

You can check the Post Office exchange rates on its website, travel money card app and branches. Keep in mind though that rates may vary whether you’re buying online, via phone or in-store.

The Post Office exchange rate is also likely to include a margin or mark-up on the mid-market rate. This is the rate you’ll find on Google or currency sites like XE.com, and is generally considered to be a fair rate. A margin added on top of this makes the rate worse for you, so you’ll get less EUR, USD or whatever other currency you’re exchanging.

Read more : Download Hallmark Card Studio 2022

Wise only ever uses the mid-market exchange rate, with no mark-ups or margins. This means that your pounds go further, wherever you’re travelling to.

Currencies supported

You can load your Post Office prepaid travel card with funds in any of these 23 currencies²:

EUR – Euro
USD – US dollar
AUD – Australian dollar
AED – UAE dirham
CAD – Canadian dollar
CHF – Swiss franc
CNY – Chinese yuan
CZK – Czech koruna
DKK – Danish kroner
GBP – Pound sterling
HKD – Hong Kong dollar
HRK – Croatian kuna
HUF – Hungarian forint
JPY – Japanese yen
NOK – Norwegian krone
NZD – New Zealand dollar
PLN – Polish zloty
SAR – Saudi riyal
SEK – Swedish kronor
SGD – Singapore dollar
THB – Thai baht
TRY – Turkish lira
ZAR – South African rand

You can top up your card with between £50 and £5,000 in any of the currencies listed above. The maximum you can hold is £10,000, plus you can load and spend up to £30,000 on your card each year².

Cash withdrawal limits vary from currency to currency. For example, you can withdraw a maximum of €450 euros or $500 US dollars² in a single transaction.

App overview

The Post Office Travel app is free to download from the Google Play and Apple App stores. You can use it to order and activate your card, monitor your balance and top up with currencies. Using the new wallet-to-wallet feature, you can also transfer leftover currency to other currencies of your choice in just a few taps.

You can also buy Post Office travel insurance, book airport parking and access other features through the app.

How good is the Post Office prepaid travel card?

The Post Office travel card is handy to have if you’re travelling and want to keep your money safe. You won’t need to carry cash around with you, or have to take time out of your trip to change currency.

Paying in local currencies is quick and easy, especially as it’s a contactless card. Plus, you can only spend what’s on it, so this can help you to budget.

As you can store 23 currencies on it, the card is convenient if you travel regularly or are taking multi-destination holidays. If you love visiting far-flung places, however, you might need a card that supports more currencies.

One drawback to consider is the exchange rate. While rates may be competitive (compared to changing money at the airport, for example), the Post Office is likely to include a margin or mark-up on the mid-market rate. There are also charges for using your card at an ATM.

So, it’s important to shop around and compare other travel money cards, as some could offer you a better deal.

Take the Wise card, for example. With this contactless international card, you can spend in 175 countries and manage over 50 currencies in your Wise account. There are no ATM fees¹ for withdrawing up to £200 a month (2 or less withdrawals) and you’ll get the mid-market exchange rate on every transaction. Note, that Wise will not charge you for these withdrawals, but some additional charges may occur from independent ATM networks.

The Wise card will automatically convert your money to the local currency at the mid-market rate when you spend, for just a small conversion fee¹.

How to get and use a Post Office travel card

You can only get a travel card from the Post Office if you’re aged over 18 and a resident of the UK.

Ordering your card

There are three ways to order a Post Office Travel card:

Download the Post Office Travel app and place an order there.
Apply online at the Post Office website.
Pop into a local Post Office branch to apply for a card. You’ll need to take a form of photo ID with you, such as a passport or UK driving licence.

If you’re applying in a branch, you should be able to pick up your card there and then. For applications made online or in the app, you’ll need to wait 2-3 days for your card to be delivered.

Card activation

You’ll need to activate your travel card before you can use it.

Read more : PSA Grading & BGS Grading: A Guide

You’ll be given instructions on how to do this in the welcome letter delivered along with your new card.

Using your card

You can use your Post Office travel card anywhere that accepts MasterCard, online and at ATMs³.

If you’re buying something in person, you’ll need to enter your PIN. If you’re in a country where Chip & PIN isn’t as widely available (such as the USA), you may be asked to sign to verify your purchase instead.

You can also make contactless payments for small amounts, although different countries have different rules and limits for this.

The Post Office’s terms and conditions list a handful of situations in which you shouldn’t use your card. These include the following³:

Self-service petrol pumps
Car hire or hotel check-in deposits
Transactions on planes or cruise ships.

How to top up your card

The easiest way to top up your Post Office Travel card is using the app. If you prefer, you can also top up at the Post Office website or in a local branch³.

Buying back currencies

If you have unused currency on your card, there are a couple of options available. You may be able to withdraw it at a local Post Office branch or ATM, although fees may apply³.

Alternatively, you can use the new wallet-to-wallet feature in the app³. This lets you transfer unused balance in one currency over to another. For example, you can transfer unused USD to EUR, ready for your next trip to Europe.

How to contact the Post Office about your card

You can call the contact centre on 0344 335 0109 when you’re in the UK or +44 (0) 20 7937 0280 when you’re overseas³. Lines are open 24 hours a day, seven days a week.

You can also contact the Post Office Travel Card Customer Services department via the following methods³:

By post at Post Office Travel card, PO Box 3232, Cumbernauld, G67 1YU
By email at [email protected].

Post Office Travel Card: troubleshooting tips

Here’s how to deal with some common problems you might have with your travel card.

How do I report a lost or damaged card?

If you lose your Post Office currency card or discover that it’s damaged, just phone the contact centre. They’ll block it and send you another. You can also freeze your card using the app.

What should I do if my card is declined or blocked?

Firstly, check your account via the app to make sure you have enough money in it. If you have enough to pay for your item or have less than you should have in your account, call the contact centre.

What if I’ve forgotten my PIN?

If you can’t remember your travel money card PIN, phone the contact centre. They can issue you with a new one.

What happens when my card expires?

You should receive a new card automatically³. If it hasn’t arrived after the expiry date, call the contact centre and they’ll issue you with one.

And that’s pretty much it – everything you need to know about the Post Office Travel card. It’s handy if you don’t want to carry cash around or exchange currency while on holiday. And you can use it in multiple countries, as it supports 23 currencies. The app is another great feature, letting you top up and manage your money on the move.

But just remember to compare exchange rates and fees (especially for those all-important ATM withdrawals) before choosing a travel card for your trip – as you could be getting a better deal elsewhere.

Sources used:

Wise – terms and conditions & pricing
Post Office – Travel Money Card
Post Office Travel card – Terms and Conditions

Source: https://antiquewolrd.com Categories: Cards & Envelopes

Join Lenon Blur

I am a JOIN LENON BLUR - world-leading expert, and I am the admin of Antiqueworld with many years of experience researching antiques and postal publications. I hope to provide the audience with the most accurate and informative information.

Suggested companies

Post office.

Post Office Travel Money Card Reviews

Visit this website

Company activity See all

Write a review

Reviews 4.0.

Most relevant

No fees and easy to use

The Travel Money Card was so easy to use and having the physical card as well as the app meant my husband and I could pay for things from the same account when needed. There are no transaction fees as there are with most bank cards used overseas so would definitely recommend and use next time we go abroad.

Date of experience : March 02, 2024

Used first in 2023 and then raised my…

Used first in 2023 and then raised my concerns (cost of withdrawals and inadequate daily withdrawal limits) but apparently both outside of Post Office control - fair enough. Getting ready for 2024 travel, first found a newer App was required but it's not compatible with my not ancient tablet. Secondly getting verification after loading the new App on my mobile failed as no emails were received (yes I checked in Spam folder etc.) Finally only resolved by linking to an alternative email address. If I wasn't concerned about possibly running out of money abroad I'd have given up on this card by now and dread further problems if I do need to add credit whilst abroad and hope that it shows immediately and emergency withdrawal is possible.

Date of experience : April 09, 2024

Post Office money card account. Problem logging in.

Having activated my new account, my attempts to log in, using my smartphone, are persistently met by your pop-up message "Something went wrong. We're experiencing a systems error. Please try again later." Even your helpline phone receptionist couldn't resolve it (though she was very patient. We tried numerous attempts to uninstall & re-install the app). It still doesn't work. I cannot log in to my account.

Date of experience : April 05, 2024

Very to use and safe to use easy to…

Very to use and safe to use easy to convert money to the currency where your going to visit, you dont have the headache of finding a money exchange shop etc even if you lose your card u can block it etc i would defo recomend to use when going abroad

Date of experience : March 01, 2024

so far, so good

I am an older person and view apps and phone banking as necessary evils and with great distrust. However it is almost impossible to live without them and some products do help make life easier. This is the premise behind the PO Travel card which allows you to carry foreign currency in the equivalent of a use-abroad deposit account card. While it wasn't entirely pain-free to set up it was bearable with minimal faff, and it worked 100% the small handful of times I tried it in shops abroad. Assuming the remainder of the currency I put in that card does not vanish before I next go abroad I will continue to use it. I'm unsure of the exact advantage it gives over my UK bank account card and using that abroad, perhaps not getting fleeced by fluctuating exchange rates. I was told it is more efficient than just buying a wad of Euros at the Post Office.

Date of experience : April 01, 2024

Mixed experience once abroad

Mixed experience once abroad. In France there was no problem using the card for any transaction. In Netherlands however it was declined in 50% of transactions in tourist cafes, pubs and restaurants. Mastercard needed for back up.

Date of experience : April 06, 2024

Reply from Post Office Travel Money Card

Hi, I am sorry to hear that you experienced your Travel Money card declining in tourist cafe's, Pubs and restaurants in the Netherlands. Can you please call us on 0344 335 0109 and we will be happy to have a further look into this for you.

Straightforward to set up.

Straightforward to set up the Travel Card: user-friendly interface, easy to understand and easy to use when completed.

Travel Money cards - Easy to set-up and use

The Travel Money cards are very easy to set-up and use. It means that you do not have to use your own debit or credit cards when travelling, making it safer for you to pay for things abroad. The website was easy to use and the cards arrived very quickly.

Date of experience : March 27, 2024

Poor. Will be pursuing refund. Contactless not working in Singapore

Trying to use in Singapore for my son on MRT. The contactless doesn't work. Checked at the MRT customer services. If I try to login to the app, it says I can't because I might be using a VPN. I'm not. I'm just on Singtel 4G. What's the point in blocking the app from a foreign country?? So I cannot take a look or get support on the app. All in all, a poor experience and will pursue a full refund when I'm back.

Used my card for the first time in…

Used my card for the first time in Portugal and found it extremely easy and hassle free, it will be my method of payment when abroad from now on.

Date of experience : March 14, 2024

app won't send verification email

Not even worth a one star! App wants me to verify by sending an email but the email is never sent! Previous app worked perfectly

Excellent Service

The lady who dealt with my enquiry was very patient and informative all the way through and nothing was too much trouble for her.

Date of experience : March 30, 2024

This card is great

This card is great, no hidden charges when using abroad and easy to set up and use.

Date of experience : March 06, 2024

Lessons in travelling

I've found the Post Office travel money card very useful and easy to use on two European trips in the past four months. For a number of reasons my current trip, to Australia, has not been so smooth. I found it impossible to top up on either the app or the website, which proved to be my bank's fault - it declined the transaction, despite having allowed it in the past. The TMC app and website fell short by not explaining at all why things were not working out. And I fell short by switching off my UK phone SIM card to avoid international call rates, which meant that I couldn't receive messages from my bank which would have explained why I couldn't top up. So, faults with me, my bank and (really least of all) the TMC, all now resolved.

Date of experience : March 21, 2024

I wouldn't go on holiday without it!

I've had my Post Office Travel Money Card for years and carry all my holiday spending money on it. Its so easy to use and I've always been able to access cash if I've needed it, from an ATM. The App makes everything easy to manage and I can transfer from my bank whenever I need to because who sticks to budget when they're on holiday?! 😅

Date of experience : March 05, 2024

Thank you so much for your great review and feedback, it really helps us. It's really good to hear that you have been using your Travel Money card for so long with us, so thanks again and we hope that you continue to enjoy it for many more years!

Great customer service for Travel Money

Went in to my village Post Office to ask how many Euros I would get for £400, I was asked if I would be using any credit or bank cards whilst on holiday and I said yes, the very pleasant counter person gave me details about the Post Office Travel Money Card and explained the safety benefits of the card rather than taking all cash or using bank/credit cards, they also told me about their Travel APP which I can use to see transactions or top up the card with more currency in the future, I was also told that if I buy over £700 I would get a much better exchange rate. I decided to take the Travel Money Card, I got an exchange rate of just over 1.12 for £700 of Euros on the card rather than a rate of 1.05 had I taken just £400 in Euro notes. Thank you for the great advice and service.

Date of experience : March 04, 2024

Thank you so much for your great review, it really helps us and we hope that you get to enjoy using your Travel Money Card again soon!

Excellent service

spoke to a real person, within a few minutes of calling . Was very helpful and sorted the problem quickly.

Date of experience : March 25, 2024

TMC the best

Great travel money card and app to use on your phone and you benefit with the best exchange rates. You can have multiply currencies and switch between them. The card can be top up online, in branch or via your bank if linked even when on holiday.

Thanks so much for your great review, we're really pleased that you enjoy your Travel Money Card

Quick and easy way of preparing for…

Quick and easy way of preparing for holiday spending.

Date of experience : April 02, 2024

Very easy to use app

Very easy to use app. Modern look, information readily available. Great features eg balance check, spend, freeze/unfreeze card. Excellent app.

Thanks for the great review and feedback, it's really useful to us!

U.k. Post Office Travel Money & Money Transfer Review: What Are the Rates? How Does It Work? Is It the Best Deal?

François Briod

Co-Founder of Monito and money transfer expert, François has been helping Monito’s users navigate the jungle of money transfer fees, bad exchange rates and tricks for the last ten years.

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.

Is UK Post Office the best option for sending money abroad? Compare your options to make sure you get the best exchange rate and lowest fees for your transfer.

What Monito Likes About UK Post Office

Wide availability across the U.K.
Variety of services including online and local travel money, wire transfers and travel cards
Post Office Travel Money services are safe, secure and regulated

What Monito Dislikes About UK Post Office

Exchange rates are more expensive than the base exchange rate or exchange rates from other providers
Local bureau de change rates can be more expensive still and you can only get quotes on these rates when you visit or contact a Post Office Travel Money location

Compare UK Post Office to Cheaper Money Transfer Alternatives

Our independent review of post office travel money.

The UK Post office provides several convenient travel money services including foreign currency exchange, online ordering, a travel money card and international transfers to foreign bank accounts.

Post Office Travel Money provides services from more than 11,000 locations across the U.K. Post Office locations are often open for long hours, and around 3,000 branches are open every day. The Post Office offers money conversion services into 80 foreign currencies.

Local Bureau de Change Services From Post Office Travel Money

You can buy and sell travel money directly at a Post Office location using the exchange rate for that Post Office location. These local exchange rates will differ from the Post Office online exchange rates and can be more expensive than from a specialist online currency exchange provider. The Post Office does not provide local exchange rates online although you may be able to get a local exchange rate by calling a specific location. There is no minimum order amount when exchanging money in a Post Office branch.

Online Foreign Currency Services From Post Office Travel Money

You can order your foreign currency online and have it delivered to your home or pick it up from a Post Office location. If you order before 3 PM U.K. time, you will get your money on the next working day. You can get better online exchange rates if you convert larger amounts of money—there’s a minimum value of £400 and a maximum value of £2,500. If you order euros or U.S. dollars, the Post Office Click and Collect Express service means you can pick up your currency from a Post Office branch two hours after you place the order.

Bank Account Wire and Money Transfer Services From Post Office Travel Money

You can send money overseas directly to a foreign bank account by using the Post Office International Payments service. Their wire transfer services are provided by Western Union, which means the beneficiary can choose to pick up money at a Western Union agent location in their own country or have the money transferred into their bank account. Please see our Western Union review for examples of exchange rates, fees and other important information.

Post Office Travel Money Money Card

Post Office Travel Money provides a prepaid Mastercard travel card that you can use to spend money overseas. You can load up to 23 currencies onto the card and use it wherever you see the Mastercard logo. You can manage your travel card through the Post Office Travel mobile app and should activate your card before you leave the U.K. The card is Chip and PIN enabled and also allows contactless payments.

The travel card allows you to load money in the following currencies: Euro (EUR), US Dollar (USD), Australian Dollar (AUD), Canadian Dollar (CAD), Croatian Kuna (HRK), New Zealand Dollar (NZD), Polish Zloty (PLN), Pound Sterling (GBP), South African Rand (ZAR), Swiss Franc (CHF), Thai Baht (THB), Turkish Lira (TRY), UAE Dirham (AED), Czech Koruna (CZK), Japanese Yen (JPY), Hungarian Forint (HUF), Norwegian Krone (NOK), Danish Kroner (DKK), Swedish Kronor (SEK), Chinese Yuan (CNY), Hong Kong Dollar (HKD), Saudi Riyal (SAR) and Singapore Dollar (SGD).

UK Post OfficeFees & Exchange Rates

Post Office Travel Money does charge fees for some specific services, like certain activities on their travel card. In most cases, they make their money on the difference between the “base,” interbank* exchange rate and the exchange rate that they charge to you.

*The interbank rate is also known as the mid-market or standard exchange rate, which is the midpoint between the buying and the selling prices of the two currencies.

Post Office Travel Money Card Fees

Post Office Travel Money charges fees for some services offered through its prepaid money card. The fees we’ve shown below are for cards issued in the U.K. You can find fees for other countries on the Post Office Travel Money website.

There is a fee of two euros or equivalent to withdraw cash using the card through an ATM or at a physical location
If your card expires, Post Office Travel Money charges an inactivity fee of £2 per month after 12 months
A three percent additional charge applies if you use your card to pay in a different currency than the 23 available on the travel card
If you load U.K pounds onto the card there is a commission of 1.5 percent (min £3, max £50)

Post Office Travel Money Card Limits

Post Office Travel Money does have limits for its prepaid money card.

You can load between £50 and £5,000 onto the card after you have passed an address verification check
The maximum amount you can have on your card is £10,000 and you can’t load more than £30,000 in a 12-month period
The maximum amount you can withdraw in a single transaction is 450 euros or equivalent

Post Office Travel Money Online Fees

If you order online and arrange for the foreign currency to be delivered to your home, there is a delivery fee of £4.99 if you order less than £500, but there is no delivery fee if you order more than that.

The Post Office does state that additional charges may sometimes apply when ordering online, but they do not provide information on how much those charges may be. Here’s what they say on the website, “Any fees relating to commissions, card issuer, or delivery will be displayed during the order process. Please note that your credit card provider may charge a cash advance fee for buying Travel Money. When you place your order you will be given the option to select a preferred delivery date/time. Any additional charges that may be applicable, for example ordering for home delivery on a Saturday, or for home delivery orders under £500, the system will display the fee charged.”

Overseas Money Transfer via Western Union

Post Office Travel Money provides overseas transfers through a partnership with Western Union. Please see our Western Union review .

About Fees Levied by Banks

Certain fees may be levied by banks when you are transferring money to another account. These fees are outside the control of Post Office Travel Money. Circumstances, where banks may charge additional fees, include:

Wire transfers into or out of sender or beneficiary accounts
Transfers that are sent via SWIFT or certain other banking protocols
Beneficiary banks charging a fee to receive a transfer
Intermediary banks charging fees to process money in transit

These fees could mean that the beneficiary receives less money than stated by Post Office Travel Money due to circumstances beyond Post Office Travel Money’s control. If you want to understand what these extra fees are likely to be, please contact your bank and the beneficiary's bank.

Post Office Travel Money Exchange Rates for Online Travel Money

Post Office Travel Money offers online currency exchange services and makes money on the difference between the exchange rate they offer to customers and the base exchange rate. For example, the base rate to convert U.K pounds into U.S. dollars is 1.23 dollars per pound. Post Office Travel Money offers an exchange rate of 1.181 USD per pound if you’re exchanging £400. That’s a difference of four percent, or £16.

Note that the more money you exchange, the better the exchange rate. Here are some other examples:

Exchanging 400 U.K. Pounds Into Euros

Base exchange rate, 400 GBP converts to 449 EUR
Post Office Travel Money exchange rate, 400 GBP converts to 432 EUR
The Post Office Travel Money exchange rate is 3.8 percent more expensive, or around 15 GBP in exchange rate fees

Exchanging 900 U.K. Pounds Into South African Rands

Base exchange rate, 900 GBP converts to 16,922 ZAR
Post Office Travel Money exchange rate, 900 GBP converts to 16,189 ZAR
The Post Office Travel Money exchange rate is 4.3 percent more expensive, or around 39 GBP in exchange rate fees

Exchanging 1,400 U.K. Pounds Into Swedish Krona

Base exchange rate, 1,400 GBP converts to 17,003 SEK
Post Office Travel Money exchange rate, 1,400 GBP converts to 16,145 SEK
The Post Office Travel Money exchange rate is 5 percent more expensive, or around 70 GBP in exchange rate fees

Exchanging 2,000 U.K. Pounds Into Australian Dollars

Base exchange rate, 2,000 GBP converts to 3,669 AUD
Post Office Travel Money exchange rate, 2,000 GBP converts to 3,539 AUD
The Post Office Travel Money exchange rate is 3.5 percent more expensive, or around 70 GBP in exchange rate fees

Exchanging 2,500 U.K. Pounds Into U.S. Dollars

Base exchange rate, 2,500 GBP converts to 3,074 USD
Post Office Travel Money exchange rate, 2,500 GBP converts to 3,012 USD
The Post Office Travel Money exchange rate is 2 percent more expensive, or around 50 GBP in exchange rate fees

If you’re purchasing currency online or you want to transfer money to an overseas account, you can get better deals by comparing specialist currency exchange providers . Several money exchange services have overall fees of one percent or lower, even when taking into account differences in exchange rates.

All of the Post Office Travel Money exchange rates quoted in this section are based on their online rates for converting money for home delivery or store pickup. Local bureau de change rates may vary and are more expensive than what we quote here. All rates correct as of early October 2019.

Post Office Travel Money Exchange Rates for In-branch Travel Money

Here’s what the Post Office says about its in-branch exchange rates, “Branch exchange rates depend on several factors, eg., branch location, competition, cost of order, convenience, etc. We will always try and offer the best rate, subject to this criteria. As with many retailers, the cheapest order / distribution method is online, where centralised packing costs can be used. This is why online exchanges are invariably better than branch rates.”

Comparing Post Office Travel Money Rates To Other Providers

You can easily compare many money transfer services directly using our comparison tool . There are several new services that it’s worth comparing directly to Post Office Travel Money.

Modern, Mobile-Only Banks

There are several new, mobile-only banks that are becoming more widely available throughout the U.K. and Europe. Providers like N26 , Monese , Revolut , Monzo or Bunq provide a wide variety of financial services to the modern consumer. All of these modern banks provide international travel cards and international money transfer services, and it’s worth comparing them to Post Office Travel Money.

For example, Monzo provides international money transfers through TransferWise, a very popular and trusted currency exchange provider. If you compare sending 1,000 GBP to a Swedish bank account the recipient would get 12,103 SEK with Monzo / TransferWise compared to 11,546 with Western Union, a difference of around five percent or £50.

Specialist Currency Providers for Other Destinations

You may also be able to get a better deal for money transfers when you’re sending money to certain countries. For example, if you’re sending 500 GBP to Saudi Arabia, the beneficiary would get around 2,289 SAR with Xendpay , compared to 2,158 with Post Office Travel Money, a difference of around 5.3 percent or £26.

How Easy Is It To Send Money With UK Post Office

You can find Post Office Travel Money facilities at most Post Office branches and through their website. Their foreign exchange services are quick and convenient. Their wide availability makes them useful for local currency exchanges, although the fees can be high. International money transfers and travel card services from the Post Office provide a range of additional options if you want to send or spend overseas.

Credibility and Security

You can trust the Post Office to provide a safe and secure exchange of foreign currency. Post Office Travel Money offers currency exchange through First Rate Exchange Services Ltd. First Rate Exchange Services Ltd has a Money Service Business licence No.12133160.

Customer Satisfaction

Unfortunately, the Post Office does not score well for customer satisfaction on Trustpilot, achieving a score of just 1.5 out of 5* across 700 reviews. Ninety percent of the reviews said that they were “poor” or “bad” compared to nine percent of reviews that said they were “excellent” or “great.”

*The scores we show here are for the Post Office overall, not specifically for travel money.

There were not many positive reviews of the Post Office Travel Money service, however, some did praise the Travel Money card with reviews like this, “Really easy opening of the Travel money card at the counter, with great face to face friendly service. Next day activation of the card was smooth and excellent telephone customer care service was friendly and helpful. Giving their names and added extra attention by offering to help with 'anything else we can be of service.'”

Issues raised by reviewers that are specific to Post Office Travel Money include unreasonable conversion rates on the travel money card, poor top-up rates, differences between branch and online exchange rates and difficulties with customer service. Here’s a quote from a review about their in-branch exchange rates, “avoid their travel money service like the plague, purchased currency, then checked after only to find I've been levied over 8%, in the exchange rate, they have totally ripped me off, explained to counter clerk wasn't needing money for 2 weeks, but no mention of a better rate, they’ve ripped me off to the tune of 40 pounds more than I could have paid.”

Post Office Travel Money Mobile Applications

Post Office Travel Money provides a mobile app for both iOS and Android devices. The app allows you to:

Manage your account
Top up your travel money card
Check your balance
Move money between currencies
Freeze your card

How Post Office Travel Money Works

Post Office Travel Money services work in slightly different ways, depending on what you want to do.

To request currency online you will need to sign up for an account, provide some identification, let them know the currency you need and provide payment.

To request currency locally you will need to visit a Post Office Travel Money location.

To get a Post Office Travel Money card you can sign up online or visit a Post Office location bringing your passport or a U.K. driving license.

If you want to send money overseas to another bank account you will need to:

Setup an account through the Post Office partnership with Western Union—they will need your name, address, contact details, bank details, and proof of identification.
Decide the currencies that you want to exchange money between.
Book a rate through the website.
Provide details of the sender and receiver of the funds.
Pay for the transfer.
Western Union converts the money and deposits it in the beneficiary’s bank account or they may be able to pick it up at an agent location.

UK's best free online banks picked by Monito

Argentina
Australia
Deutschland
Magyarország
New Zealand
Singapore
United Kingdom
United States
繁體中文 (香港)

The 6 Best Travel Money Cards for Travelling Overseas 2024

If you’re planning on travelling overseas, getting a travel money card can help you cut the costs usually involved in spending foreign currencies.

Travel money cards can include travel debit, prepaid and credit cards, which each work slightly differently, but which all come with features optimised for reducing the costs of spending and withdrawing cash overseas. This guide covers everything there is to know about the different travel card categories, plus we’ll introduce 6 of our top travel card picks so you can see if any suit you.

Wise - our pick for travel debit card when travelling overseas

Wise accounts can hold and exchange 40+ currencies, and you can get a linked Wise card for a one time delivery fee. Top up your account in GBP and switch to the currency of your choice before you travel. All currency conversion uses the mid-market exchange rate, with low fees from 0.41%. Here are some of the pros and cons of the Wise travel money debit card, to help you decide if it’s right for you.

Hold and exchange 40+ currencies

No fee to spend any currency you hold, low conversion fees from 0.41%

Mid market exchange rate on all currency conversion

Some fee free ATM withdrawals every month

No ongoing fees and no interest to pay

7 GBP delivery fee

No option to earn points or rewards

Click here to read a full Wise review

What is a travel money card?

Travel money cards work much like any other credit or debit card you might have, but are designed to be easy to use when you’re overseas or spending in a foreign currency. You’ll be able to use a travel money card to spend and make ATM withdrawals while you’re travelling abroad, or when you shop online with foreign retailers. Most cards have contactless technology and can also be added to a wallet like Apple Pay for mobile spending, too.

The features you get with a travel money card can vary a lot, but you’ll often find you can hold a balance in multiple currencies, pay low or no foreign transaction fees, or earn cash back and rewards overseas.

What are different types of travel cards?

Travel cards can broadly be split into the following categories. We’ll walk through the features and benefits of each in a moment:

Travel debit cards

Travel prepaid cards

Travel credit cards

Quick summary: Best travel cards for travelling overseas

UK customers can pick from a good selection of different travel card types and providers. This guide includes an overview and in detail reviews of 2 of our favourites from each travel card category to help you choose. Here’s what we’ll be looking at:

Wise travel debit card : Hold 40+ currencies with no ongoing fees, and spend with the mid-market exchange rate with no foreign transaction fee and low conversion costs from 0.43%

Revolut travel debit card : Hold 25+ currencies in one of 4 different plan types, including some with no monthly fee, and some which come with ongoing costs but which unlock more benefits and no fee transactions

Post Office travel money card : Hold 22 currencies, with no fee to spend a currency you hold - 3% fee applies if you don’t have the currency required in your account

Monese travel money card : Hold a balance in GBP, then spend in foreign currencies with no fees, up to your plan’s limit. Different plans on offer, including Simple which has no ongoing fees to pay

Barclays Rewards Visa travel credit card: Spend with the Visa exchange rate, and earn 0.25% cash back, with no foreign transaction fee and no cash advance fee. Interest and penalties can apply

Halifax Clarity Mastercard travel credit card: No foreign transaction fee, no annual fee, and no cash advance fee if you withdraw money at an ATM. Variable interest and penalties can apply

Travel money cards for travelling overseas compared

Here’s a brief comparison of all the cards we’ve picked out - in a moment we’ll also look at each card in more detail.

The good news is that you’ve got lots of different travel cards available in the UK, from specialist providers, banks and card issuers. The right one for you will depend a lot on the way you like to manage your money - but by doing a bit of research you’ll be able to find a good match for your preferences, even travel cards with no foreign transaction fees .

Generally, travel debit cards can be cheap and flexible, but you’ll need to have your travel money saved in advance, so you can top up your account. Credit cards have the advantage that you can spend now and repay later - but are usually more expensive overall between interest and fees. This guide walks through some key points about each of these travel money card types, and proposes a couple of options you might want to check out and compare.

Travel Debit Cards for travelling overseas

Travel debit cards can be ordered online from specialist providers, and are usually linked to a digital multi-currency account. Add money to your account in GBP and then you can either convert to the currency you need in your destination if the card supports it, or just leave your money in pounds so the card’s autoconvert technology can do the conversion for you at the point of payment.

Travel debit cards are generally cheap, secure and reliable, but the exact range of supported currencies, and the way the card fee structure works, can vary a bit depending on the provider you select.

Travel debit card option 1: Wise

There’s no fee to open a personal Wise account , but you’ll pay a one time card order fee of 7 GBP. After that there’s no minimum balance and no monthly charge. Wise accounts can support 40+ currencies for holding and exchange, with low fees from 0.43% when you convert currencies, and transparent ATM fees when you exhaust the monthly free transactions available with your account. If the Wise card can’t support the currency you need to spend in your destination, you can just leave your money in pounds and the card will convert for you at the point of payment.

No fee to open a personal Wise account, no minimum balance requirement

7 GBP one time fee to get your Wise card

2 withdrawals, to 200 GBP value per month for free, then 0.5 GBP + 1.75%

Hold 40+ currencies, convert between them with the mid-market rate

Get local account details to receive GBP, NZD, EUR, USD and a selection of other major currencies conveniently

Travel debit card option 2: Revolut

Revolut has a selection of different account tiers for personal customers in the UK, from Standard plans with no monthly fee, to the top end Ultra plan which has a 45 GBP/month fee and comes with loads of perks including a fancy platinum plated card. You can hold around 25 currencies, and convert currencies with the mid-market rate to your plan’s allowance. The higher account tiers also come with extras like various different forms of complimentary insurance, discounts, cash back opportunities and travel benefits. If the currency you need can’t be held as a balance in your Revolut account you can still use your card to pay - just let the card do the conversion for you with the live rate at the time you transact, plus any applicable fair usage fee.

No monthly fee for a Standard Revolut account, or upgrade to one of 4 different account plans which have monthly fees running from 3.99 GBP/month to 45 GBP/month

All accounts have some no fee weekday currency conversion with fair usage fees after that which are 1% for Standard plan holders

Standard plan holders can withdraw 200 GBP overseas per month for free

Hold around 25 currencies

Pros and cons of using debit travel cards when travelling overseas

How much does a travel debit card cost.

Travel debit cards are usually free or cheap to order, and often offer low or no cost currency conversion.

To give an example - Wise has a one time fee to get your card, but then no monthly charges or minimum balance requirements. Currency conversion uses the mid-market exchange rate with low fees from 0.43%. Revolut has 4 different account plans, including one with no ongoing charges, or several different account options with a monthly fee in exchange for extra perks and benefits. Each account has some no-fee currency exchange, but fair usage fees of 0.5% - 1% apply if you exceed your allowance.

How to choose the best travel debit card for travelling overseas?

There’s no single best travel debit card for travelling overseas, the right one for you will depend a lot on the way you prefer to transact and manage your money.

The key things to consider include whether you’re happy to pay a monthly fee for a card or would prefer to have an option with no ongoing fees for occasional use. You’ll also want to look at the transaction costs you’ll need to pay, and what exchange rate is applied when converting currencies.

If you’re struggling to decide whether a travel debit card suits you, the Wise card and the Standard Revolut card both offer no ongoing costs, so are a fairly low risk and low commitment way to test out your options.

Is there a spending limit with a travel debit card when travelling overseas?

You’ll probably find there’s a spending limit for your travel debit card. However, this limit can vary quite significantly, depending on the provider you pick. You can also usually adjust your spending limits for security in the provider’s app which means you can set the limit you’re comfortable with.

For the providers mentioned above, Revolut UK travel debit card holders have some spending caps based on merchant and transaction type. This applies to things like sending money to others, buying travellers cheques or money orders, and betting. Wise caps monthly card spending at 30,000 GBP but you can also move your limit lower if you’d like to, for security reasons.

ATM withdrawals

ATM withdrawals with a travel debit card are also likely to be subject to limits. Revolut applies a 3,000 GBP limit based on any given 24 hour period. Wise ATM withdrawal limits are 4,000 GBP per month. Both providers allow you to make some no fee ATM withdrawals monthly, but the exact amount you can withdraw will depend on your account type.

Prepaid Travel Cards for travelling overseas

[Prepaid travel cards] ( https://exiap.co.uk/guides/best-prepaid-travel-cards ) work in a similar way to travel debit cards, but may have slightly different features and charging structures. The way prepaid travel cards work varies - for example, with the Post Office Travel Money Card, you can collect your card in person at a branch and add any of 22 currencies to it for spending and withdrawals.

The Monese Travel Money Card only lets you hold GBP, EUR and RON, but allows you to spend in foreign currencies with no fees up to a limit specified in your account plan. This range of different functionalities means you can pick the card that works best for your specific needs.

Prepaid travel card option 1: Post Office Travel Money Card

You can order a Post Office Travel Money Card online or pick one up in person at a branch as long as you have a valid ID on you. You’ll be able to top up and hold in 22 currencies, although bear in mind a fee applies if you add money in GBP. There’s no fee to add foreign currencies. The exchange rate used when you top up or convert may include a markup, but once you hold a currency balance in your account you can spend it with no further charges.

22 currencies are supported for holding and exchange

No fee to spend a currency you hold on your card

3% cross border fee if you spend in an unsupported currency

Small ATM withdrawal fee which varies by currency withdrawn, about the equivalent of 1.5 GBP per withdrawal

Manage your account and card from the Post Office travel money app

Prepaid travel card option 2: Monese Travel Money Card

Monese offers several different account plans which come with linked cards you can use while overseas. Depending on the plan you pick you’ll get some free international spending and some free ATM withdrawals. Simple account plans have no monthly fees, but are more limited in terms of no-fee transactions compared to the other account tiers.

Pick the account plan that suits your needs, including a Simple plan with no monthly costs and some plans which do have a fee to pay every month

Accounts offered in GBP, EUR and RON

Simple account plan holders can spend up to 2,000 GBP a month in foreign currencies with no fees - other account plans have unlimited overseas spending with no extra fees

All accounts have some fee free ATM withdrawals every month, with variable limits based on account plan

Virtual cards available

Pros and cons of using prepaid travel cards when travelling overseas

How much does a prepaid card cost.

A prepaid travel card could help you save money compared to using a bank debit or credit card when you travel abroad, but the chances are there will still be a few fees to pay. That could be ongoing monthly fees, currency conversion charges, or fees when you top up, particularly if you top up in cash. Weighing up a few different prepaid travel cards is the only way to decide which is the best value for your particular needs.

How to choose the best travel prepaid card for travelling overseas?

The best prepaid travel card for travelling overseas depends on your spending patterns. The Post Office Travel Money Card has the advantage that you can convert your money to the currency you need in your destination and see your budget instantly. However if you don’t do this, you might end up paying a 3% fee. Monese has different plan types, so has the flexibility to allow you to pick the one you want - but you can’t hold a foreign currency balance aside from RON and EUR.

Prepaid travel card spending limit

The Post Office travel card lets you top up to 5,000 GBP at a time, with the maximum balance at any given time set at 10,000 GBP, or 30,000 GBP annually. Monese accounts may have different limits based on the tier you pick - usually set at a maximum holding balance at any time of 40,000 GBP. You may be limited to spending up to 7,000 GBP a day, depending on your account type.

With the Post Office card, you can make up to the equivalent of 300 GBP maximum daily withdrawals and each withdrawal costs the equivalent of 1.5 GBP. Monese accounts may have a maximum ATM withdrawal of 300 GBP a day, depending on the specific account you pick, so it’s worth reading the fee schedule carefully to understand the details.

Travel Credit Cards for travelling overseas

Travel credit cards are like other credit cards in that you’ll be set a spending limit which you can not exceed on a monthly basis. At the end of the month you’ll have to pay back your bill in full to avoid interest and penalties. When you spend overseas your foreign currency transaction is converted back to GBP to add to your monthly charge - often with a foreign transaction fee added, which can be around 3%. Travel credit cards often waive this foreign transaction fee, which makes them better value for foreign currency spending compared to other credit cards. However, as with any other credit card, you might find you have fees to pay in the form of interest, particularly if you use your card in an ATM, making this a relatively expensive way of managing your money internationally.

Travel credit card option 1: Barclaycard Rewards Visa

The Barclaycard Rewards Visa credit card is a good, straightforward option for UK customers looking for a credit card which does not have foreign transaction fees, and which doesn’t have an annual fee. As with any credit card, some costs can apply including interest fees if you don’t clear your bill monthly, but you’ll be able to earn 0.25% cash back on all your card spending at home and abroad.

No annual fee, with 0.25% cash back on card spending

Currency exchange uses the network rate and no foreign transaction fee

No ATM withdrawal fee - but interest can still apply

28.9% representative APR, with penalty fees for late payments

Secure spending with extra protection on some purchases

Travel credit card option 2: Halifax Clarity Mastercard

The Halifax Clarity Mastercard has a variable interest rate which is based on your creditworthiness, but doesn’t use different rates for different transaction types as some cards do. There’s no foreign transaction fee when you spend or withdraw in foreign currencies, but bear in mind that an ATM operator might charge a fee, and interest accrues instantly for cash advance transactions.

No foreign transaction fee when spending or making a cash withdrawal overseas

Interest applies instantly when making cash withdrawals

Same interest rate applies on all purchase categories

Variable APR based on your credit score - you’ll need to check your eligibility online to see the APR you’d be offered

Spending is covered by the Consumer Credit act which means extra protections for purchases from 100 GBP to 30,000 GBP in value

Pros and cons of using credit cards when travelling overseas

How much does a travel credit card cost.

Credit cards are convenient and secure - but they’ll also often be the most expensive way to pay for things. That’s because you may end up paying an annual fee, interest costs, foreign transaction fees, cash advance charges, and penalties if you’re late to repay. The cards we’ve picked out above have the advantage that they have no annual fee, no foreign transaction fee and no cash advance fee - but if you use your card in an ATM you’ll start to accrue interest instantly, which does mean paying more in the end.

How to choose the best travel credit card for travelling overseas?

The best travel credit card for travelling overseas depends on your preferences and situation. Because there’s an eligibility screening process with credit cards, you may find you can’t get approved for some cards if you don’t have an established and strong credit history. It’s generally worth looking for a card with no annual fee, and the lowest available interest rate, just in case you can’t always repay your bill monthly.

Travel credit card spending limit

Your travel credit card spending limit will be set by the card provider, and will depend on your credit score. You’ll be shown details of your spending limit when you’re approved for a travel credit card.

The cards we’ve looked at earlier don’t charge a cash advance fee, but this is a common cost when using a credit card at an ATM, so worth looking out for when you select any credit card. It’s also worth noting that it’s very common for ATM withdrawals to start accruing interest instantly, so you’ll end up needing to repay some charges whenever you use your credit card in an ATM.

How much money do I need when travelling overseas?

Naturally, the costs of your trip can vary wildly depending on where you’re going, how long for, and what you’ll be up to during your holiday. Costs to consider when budgeting include:

Any visa fees, or travel health costs such as vaccinations, if required

Travel or medical insurance

Flights or other travel costs - don’t forget to buy baggage allowance in advance if you need it

Travel to and from the airport, or parking if you drive yourself

Local SIM or roaming data

Accommodation, plus any local tourist taxes

Food and drinks while you’re away

Activities and entry costs to tourist sites

Travel within the country - taxis or bus rides for example

Kennels or any other requirements to look after pets back home

Conclusion: Which travel money card is best for travelling overseas?

Travelling overseas is exciting but does need a bit of planning. In particular, working out how you’ll manage your money while you’re away is essential if you don’t want to get ripped off by poor exchange rates, pay high fees, or end up having a stressful time with money changers on arrival.

Travel cards can help you avoid all these potential pitfalls, manage your travel budget flexibly, and pay less for your trip in the end. Consider a Wise travel debit card for convenient, low cost spending and withdrawals with ways to pay and get paid in foreign currencies. Or as an alternative, check out a Monese travel prepaid card for free currency conversion to your specific plan limit, or a travel credit card like the Barclays Rewards Visa for cash back opportunities and ways to spread your costs over several months if you need to. No matter what type of travel card suits you best, there’s going to be an option for you - use this guide to figure out which is your perfect match, and your travel money could take you further in the end.

FAQ - Best travel cards for travelling overseas

Can you withdraw cash with a credit card when travelling overseas.

Yes. You can use your credit card to make an ATM withdrawal at any ATM where your card network is accepted when travelling overseas. However, bear in mind you’ll pay interest instantly when you use a credit card in an ATM. Choosing to withdraw with a low cost travel debit card from Wise or Revolut may bring down your overall fees.

Can I use a debit card when travelling overseas?

It’s unusual to find you can’t use a card to pay in tourist areas in more developed countries, towns and cities. However, card usage varies widely and in many places, cash is still king. Because of that, having multiple ways to pay is essential and carrying both a prepaid or travel debit card and some foreign currency in cash is a smart plan.

Are prepaid cards safe?

Yes. Prepaid cards are not linked to your normal UK bank account which means that they’re safe to use. Even if you were unlucky and someone stole your card while you're travelling overseas, they would not be able to access your main account - and you could freeze your prepaid card in the app easily if you needed to.

What is the best way to pay when travelling overseas?

Paying for things with a specialist travel debit, prepaid or credit card when travelling overseas is most convenient. However, having a few options for payment is a good plan, just in case your preferred payment method can’t be used for some reason. Consider getting a travel card from a provider like Wise or Revolut, which has some no fee ATM withdrawals so you can also conveniently get cash as a back up, and for when card payments aren’t offered.

English Use arrow key to access related widget.

Customer Service
My USPS ›
Español

Sending Money Orders

When sending money by mail, use money orders as a safe alternative to cash and personal checks. U.S. Postal Service ® money orders are affordable, widely accepted, and never expire. Your money order receipt will help you track your payment and show proof of value in case the money order gets lost, stolen, or damaged.

You can buy or cash postal money orders at any Post Office ™ location .

Send Money Orders Internationally

ALERT : Starting June 20, the Money Order Inquiry System will be temporarily unavailable as we upgrade to a new system. Read More ›

How to Send Domestic Money Orders

Decide on the money order amount. You can send up to $1,000 in a single order anywhere in the United States.
Go to any Post Office location .
Take cash, a debit card, or a traveler’s check. You cannot pay with a credit card.
Fill out the money order at the counter with a retail associate.
Pay the dollar value of the money order plus the issuing fee.
Keep your receipt to track the money order.

Money Order Standards and Guidelines (DMM 509.3)

Money Order Fees

Fees are based on the money order dollar amount.

Receiving Money Orders – How to Spot a Fake

Before accepting a money order, make sure it's real. There are several key things to look at to spot a counterfeit money order.

Examine the Paper

Real USPS money orders have specific marks and designs to prevent fraud. If you hold the money order up to the light you should see:

Watermarks of Ben Franklin on the left side repeat top to bottom (circle 1 on image).
On the right of the Franklin watermark, a vertical, multicolored thread with the letters “USPS” weaves in and out of the paper to (circle 2 on image).

Fake Money Order Image showing fake described in section How to Spot a Fake Money Order

Check the Dollar Amounts

If the dollar amount is discolored, it may have been erased, indicating fraud (circle 3 on image).
Make sure the dollar amount is imprinted twice (circle 4 on image).
See if the dollar value is too large.
Domestic money orders cannot be more than $1,000.
International money orders cannot be more than $700 ($500 for El Salvador or Guyana).

Suspect a Fake?

If you suspect fraud, call the U.S. Postal Inspection Service at 1-877-876-2455.
If you think you’ve been given a fake money order, call the Money Order Verification System at 1-866-459-7822.

How to Cash Domestic Money Orders

Domestic money orders never expire and they do not accrue interest. Money orders are cashed for the exact amount on the order.

You can cash a USPS money order at a Post Office for free. You can also cash them at most banks and some stores. Rural carriers may cash money orders if they have enough money on hand.

Cashing a Money Order at the Post Office

Do not sign the money order.
Take a primary photo ID with the money order to any Post Office location .
Sign the money order at the counter in front of a retail associate.

See additional requirements for money orders made out to organizations, more than one person, and minors.

Cashing Money Orders (DMM 509.3.3)

Check the Status of a Money Order

You can check the status of a money order you've purchased from the U.S. Postal Service at any time by visiting the Money Orders Application . Make sure you have the following information for the postal money order you want to check:

Serial number
Post Office number
Dollar amount

Replacing Lost, Stolen, or Damaged Money Orders

Lost or stolen money orders.

You cannot stop payment on postal money orders, but a lost or stolen money order can be replaced.

Money order loss or theft may take up to 30 days to confirm.
Investigating a money order's lost or stolen status may take up to 60 days.
There is a $18.00 processing fee to replace a lost or stolen money order.

Requesting a Refund

Take your money order receipt to any Post Office location .
Talk to a retail associate at the counter to start a Money Order Inquiry.
After starting the inquiry, you will be able to check the status of your money order and inquiry progress by visiting the Money Orders Application .
When your money order is confirmed lost or stolen, we’ll issue you a replacement money order.

Damaged Money Orders

We'll replace money orders that are defective or damaged. Take the damaged money order and your receipt to your local Post Office location to get a replacement.

Best no annual fee travel credit cards of April 2024

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Travel rewards cards are a lot like gyms. The best ones may come with tons of added benefits (saunas, yoga class, etc.) but they also cost a lot, usually with a big financial commitment upfront.

As a result, whether you’re considering a Chase Sapphire Preferred ® Card (with its $95 annual fee) or a CrossFit membership, you probably have the same question on your mind: will I really use it enough to justify paying for it?

While there aren’t any free gyms we know of, there thankfully are plenty of no-annual-fee travel rewards cards that require essentially zero commitment. And just like an ab roller or a Richard Simmons DVD, you can simply use them a few times, forget about them, and put them in a drawer until beach season. Or, you can stick with it and make them part of your daily routine—whatever works for you.

You’re also far more likely to see “instant results” with these cards, too. From 100,000-point welcome bonuses to rewards for paying rent, free travel insurance to 3X on gas, these cards offer way more than you’d expect for a fee of $0 per year.

The best no-annual-fee travel cards for April 2024

Best overall: bilt mastercard, best for hotel rewards: ihg one rewards traveler credit card, best for airline rewards: united gateway℠ card, best for travel earnings: wells fargo autograph℠ card, best for flat-rate earnings: capital one ventureone rewards credit card.

The Bilt Mastercard allows you to earn points from paying rent and transfer them 1:1 to well over a dozen different travel partners including United MileagePlus and Marriott Bonvoy. Toss in some surprisingly robust travel insurance and you have our unconventional—yet logical—choice for the best overall no-annual-fee travel card of 2024.

Bilt Mastercard®

See Rates and Fees

Special feature

Rewards rates.

1x Earn 1X points on rent up to 100K/year
1x Earn 3X points on dining
2x Earn 2X points on travel
1x Earn 1X points on other purchases
Use the card 5 times each statement period to earn points
Uniquely earns points on rent
Rent Day bonus every first of the month offers double points (excluding rent)
Robust travel transfer partners
Cash redemption rate is poor
No traditional welcome bonus
Travel perks: Trip Cancellation and Interruption Protection, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver
See this page for details
Foreign Transaction Fee: None

Why we like this card: As mentioned, the Bilt Mastercard’s most compelling feature is that it allows you to pay rent with a credit card—even if your landlord doesn’t take plastic—and avoid the transaction fee paying rent by credit card would typically incur. Then, as long as you complete five transactions each month, you’ll trigger 1X rewards on your rent payments.

Note that rewards on rent are capped at 100,000 points per year.

In terms of earning potential, if you pay the median ~$2,000 rent in the U.S., you could earn approximately 24,000 points per year which can be used to book travel in Bilt’s portal at a value of 1.25 cents per point or transferred to any of Bilt’s airline or hotel partners at a 1:1 ratio. In other words, you could likely earn a domestic flight with United or a weekend stay at Hyatt, all for simply paying rent on time.

The Bilt card also provides trip cancellation and interruption protection, trip delay reimbursement, and primary rental car insurance (terms apply)—perks you wouldn’t typically find on a no-annual-fee credit card.

If you’re looking for a hotel rewards card that offers the most free nights for no annual fee, wait until you read about the IHG One Rewards Traveler Credit Card. With a six-figure welcome bonus, up to 17X on stays and other compelling rewards, it’s currently the gold standard for no-fee hotel rewards.

IHG One Rewards Traveler Credit Card

Intro bonus.

17x Earn up to 17X points when you stay at IHG Hotels & Resorts
3x Earn 3X points on dining, utilities, internet, cable, and phone services, select streaming services, and at gas stations
2x Earn 2X points on all other purchases
Generous welcome bonus not typically seen in a $0 annual fee card
Travel protections that are unusual for a no-annual-fee card
Fourth night free on award bookings
Limited redemption options outside of IHG
IHG points are worth less than some other rewards currencies
Silver status granted with the card has limited benefit
Additional perks: Trip cancelation/interruption insurance, auto rental collision damage waiver, purchase protection, ability to spend to Gold status
Foreign transaction fee:None

Why we like this card: We like calling the IHG One Rewards Traveler card the “Liam Hemsworth” of travel rewards cards because it lives in the shadow of its big brother—the IHG One Rewards Premier Credit Card —but still delivers plenty of quality and substance in its own right (with no annual fee, to boot).

For starters, you can get a welcome bonus of 80,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening, potentially worth around $500 to $700 in IHG redemption.

Plus, enjoy up to 17X points when you stay at IHG Hotels & Resorts, instant Silver Elite status and a handy bonus where you redeem points for three consecutive nights and get the fourth night in your stay free. So, if you book a three-night stay using your welcome bonus, you’ll essentially be getting a complimentary four-night stay at a nice IHG property for no annual fee. The IHG One Rewards program could be very rewarding for the right traveler.

Check out our full review of the IHG One Rewards Traveler .

As a no-annual-fee airline card, the United Gateway℠ Card currently edges out its rival the Delta SkyMiles® Blue American Express Card by offering a more generous welcome bonus and travel insurance that the Delta card does not provide. If you fly occasionally and would like to earn miles, but aren’t willing to make the commitment of $95 or more for a mid-tier airline card with more perks, the Gateway is a strong choice.

United Gateway℠ Card

2x 2 miles per $1 spent on United® purchases, including tickets, Economy Plus, in-flight food, beverages and Wi-Fi, baggage service charges and other United purchases.
2x 2 miles per $1 spent on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit.
1x 1 mile per $1 spent on all other purchases
No annual fee or foreign transaction fee
Reward bonus categories outside of United Airlines
Robust travel protections for a no-annual-fee card
No baggage or expanded award availability benefits like with other United cards
Subject to Chase 5/24 rule.
United perks: 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
Other perks: Auto Rental Collision Damage Waiver, Trip Cancellation/Interruption insurance, Purchase Protection, Extended Warranty
Foreign transaction fee: None

Why we like this card: The United Gateway card offers 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting plus 1 mile per $1 spent on all other purchases. Considering a United Mile is worth roughly around 1.2 cents these days, effectively earning 2.4 cents back on everyday purchases is a solid value proposition.

You’ll also get a welcome bonus of 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. And, you can save with a discount of 25% back on United in-flight and Club Premium drink purchases.

New cardholders will enjoy a 0% Intro APR on Purchases for 12 months, after 21.99%–28.99% variable applies.

If the United Gateway card has a small lead on the Delta Skymiles Blue Amex at this point, it soars ahead (pun intended) when you look at the included travel and shopping protections. Both cards offer secondary rental car insurance, but only the Gateway includes trip cancellation and interruption insurance, purchase protection and extended warranty protection.

So, if you’re seeking a no-annual-fee card you can use to rack up miles—and you either tend to fly United most of the time or you’re at minimum not devoted to a competing airline—the United Gateway is the card to beat.

Check out our full review of the United Gateway Card for more info.

To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page

With a generous welcome bonus in exchange for an attainable spend amount, 3X on travel, and a fancy name, you’d think the Wells Fargo Autograph℠ Card would command an annual fee of at least $95. But it doesn’t, making it a superb candidate for general travel use.

Wells Fargo Autograph℠ Card

Intro bonus.

3X 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans
1X 1X points on other purchases
No annual fee
20,000 bonus points when you spend $1,000 in purchases in the first 3 months (that's a $200 cash redemption value)
Points transfer to partners
Car rental insurance is secondary
No travel insurance
Transfer partners are limited
Additional perks: Cell Phone Protection: Provides up to $600 in cell phone protection when you pay your monthly cell bill with your Wells Fargo Autograph card. Coverage is subject to a $25 deductible and limited to two claims every 12-month period.
Foreign transaction fee: N/A

Why we like this card: The Wells Fargo Autograph offers unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans and even your landline bill too if you have one, plus 1X points on other purchases—all without charging an annual fee. And, to make traveling a little cheaper/less stressful, you’ll also get $600 worth of cell phone protection (minus a $25 deductible) as long as you pay your phone bill with this card and secondary rental car insurance.

Cardholders can transfer points at a 1:1 ratio to Wells Fargo’s first wave of transfer partners including Air France‑KLM Flying Blue, Avianca Lifemiles, British Airways Executive Club, AerClub, and Iberia Plus and 1:2 to Choice Privileges.

But even if you aren’t a member of those loyalty programs, earning 3X on dining, travel, gas, and more is hard to pass up. You can redeem points at a value of 1 cent each to offset past purchases on your account, meaning you can wield the Autograph either as a no-annual-fee travel card or as a cash-back card effectively earning unlimited 3% back in a wide swath of useful categories.

Check out our full review of the Wells Fargo Autograph .

Sometimes, you just want a card that offers a little more than 1X on every purchase—without having to worry about what this quarter’s rotating rewards are, or whether a specific merchant qualifies as “groceries” for the purposes of your card’s rewards. If you value simplicity and the lack of an annual fee in your travel card, you’ll probably be a fan of the Capital One VentureOne Rewards Credit Card and its straightforward rewards program.

Capital One VentureOne Rewards Credit Card

Reward Rates

5x Earn 5x miles on hotels and rental cars booked through Capital One Travel
1.25x Earn 1.25x miles on every other purchase
Flexible travel rewards
No foreign transaction fee
Maximizing Capital One Miles requires a learning curve
Cash redemption value is limited
The VentureOne offers travel accident insurance, rental car coverage, extended warranty protection, exclusive access to events through Capital One Dining and Capital One Entertainment

Why we like this card: The Capital One VentureOne Rewards offers 1.25X miles per dollar spent on everyday purchases and 5x miles on hotels and rental cars booked through Capital One Travel. That’s pretty much all that you have to remember. You can also get a nice welcome bonus of 20,000 miles after spending $500 on purchases within 3 months from account opening, which is a solid payout for a very attainable spending target.

Capital One Miles can be transferred to well over a dozen airline and hotel partners, most at a 1:1 rate. Partners include Air Canada’s Aeroplan, British Airways Executive Club, Choice Privileges, Virgin Red, and Wyndham Rewards, among others. Other ways to book travel include redeeming miles through Capital One’s portal or making the purchase directly, paying with your card like normal, then using miles for a statement credit to cover the transaction.

The Venture One also offers a 0% intro APR on purchases for 15 months (after that, the variable APR will be 19.99%–29.99%). There’s an intro balance transfer fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open , then 4% per transfer for any promotional APR offered after.

Come to think of it, provided you have the excellent credit needed to apply, the VentureOne could make a great travel companion for a grad student given its simplicity, lengthy intro APR period and low spending threshold required to trigger the welcome bonus.

Check out our full review of the Capital One VentureOne Rewards .

Frequently asked questions

Which card is best for international transactions without extra charges.

Zero foreign transaction fees is actually a common benefit among travel rewards cards, including many with no annual fee. For example, neither the Bilt Mastercard nor the United Gateway card charges a foreign currency conversion fee.

What is the best travel credit card for a young person?

If you’re still paying rent, the Bilt Mastercard is an excellent choice since it can generate points from rent payments which can then be transferred 1:1 to well over a dozen airline and hotel partners. If you’d prefer a card with a welcome bonus, which the Bilt card lacks, the IHG One Rewards Traveler card currently offers a massive welcome bonus for a no-annual-fee card—potentially worth hundreds of dollars toward a future IHG hotel stay.

Is a travel card with an annual fee worth it?

Using a travel rewards card with an annual fee can be worth it as long as you’re extracting enough points and benefits to justify paying the fee each year. If you travel infrequently or just want one less fee to worry about, consider one of the no-annual-fee cards on our list above. But, the best perks and protections are typically available on cards with annual fees.

For example, the Capital One Venture X card offers a $300 annual travel credit for bookings made through Capital One Travel. If you use that every year, you’ve gone a long way toward offsetting the $395 annual fee. You also get 10,000 bonus miles, worth at least $100 toward travel, every year starting on your account anniversary.

Methodology

To bring you our top picks for the best travel rewards cards with no annual fee, the Fortune Recommends surveyed more than a dozen cards currently available from today’s top issuers. From there, we ranked each one based on the following core categories and weights:

Welcome bonus (10%): Some cards—even those with no annual fee—offer welcome bonuses that you can earn once you make enough purchases within a certain time frame, such as spending $1,000 within three months of account opening.
Travel earnings (25%): These are the point rewards you’d earn by making travel-related purchases (e.g. 3X on hotels, 2X on airfare).
Car rental insurance (15%): Many, but not all travel-centric rewards cards include an auto rental collision damage waiver, which allows you to decline a portion of the rental company’s insurance and save potentially up to $30 per day. We gave extra consideration to if a card offers primary rental car insurance versus secondary, because primary kicks in immediately in a covered scenario—whereas secondary only applies after your own, personal insurance.
Travel insurance benefits (15%): Some travel rewards cards automatically apply trip cancellation/interruption insurance, lost/delayed luggage reimbursement and even travel accident insurance on travel bookings made using the card.
Gas earning (5%): Since road trips remain a common form of travel, whether or not a card offers points rewards at the pump factored into our rankings.
Dining earning (10%): If a no-annual-fee travel rewards card offered 2X or more on restaurant purchases it favored well in this category.

The remaining 20% was based on the card’s main focus: hotel, airline or general travel rewards.

For general travel—points transferrable to partners (20%): Points are literally worth more if you can transfer them to certain partners, so a card’s ability to transfer rewards to airline and hotel partners factored into our rankings.
For hotel rewards—free award night with booking (20%): Some hotel rewards cards offer a BOGO-like perk where if you redeem a certain number of nights with points you get an extra tacked on for free.
For airline rewards—ability to spend towards status (20%): Most airline rewards cards allow you to earn miles, but not all of them count those miles towards your next loyalty status. If a card treated them as “qualifying miles,” it fared better in this category.

Lastly, just keep in mind that virtually every aspect of a travel rewards card—from the rewards to the welcome bonus and fee structure—is subject to change, which could impact how many miles or points you earn.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

Guide to travel rewards credit cards

Best travel credit cards of april 2024, luxury travel for less: your guide to free airport lounge passes, 10 credit card tips to help you avoid disaster when traveling abroad, how credit card travel insurance works—and what it doesn’t cover, insure your adventures: the ultimate guide to credit cards offering travel insurance, how credit card rental car insurance saves money on every rental, chase lga lounge review: luxury at laguardia, chase beefs up new york profile with a new jfk sapphire lounge—here's what you need to know, biggest-ever amex centurion lounge opens in atlanta — with outdoor terraces and bars for both whiskey and smoothies, amex centurion lounge atlanta: what to expect now that it’s open, how to use your credit card to save on travel as airline costs soar, do you have travel rewards saved up these are the best ways to use them, 5 ways your credit card can help you save on spring break travel costs, capital one lounge: what you need to know, how i travel with my wife for less than a date night, best credit cards for cheap airport lounge access in april 2024.

What is a money order?

Do i need a bank account to buy a money order, how much does it cost to get a money order, when should i get a money order.

When shouldn’t I get a money order?

Can I get a money order from my bank or credit union?

Pros and cons of money orders, where can you cash a money order, how long is a money order good for.

Can you track a money order?

What Is a Money Order and Where Can You Get One?

A money order is similar to a check, and there are lots of places to get them.

David McMillin

David McMillin writes about credit cards, mortgages, banking, taxes and travel. Based in Chicago, he writes with one objective in mind: Help readers figure out how to save more and stress less. He is also a musician, which means he has spent a lot of time worrying about money. He applies the lessons he's learned from that financial balancing act to offer practical advice for personal spending decisions.

Danni Santana

Danni Santana has spent seven years as an editor and business journalist covering industries like sports, retail, restaurants, and now personal finance. Most recently he worked as a retail editor at Business Insider. He is a graduate of the Craig Newmark Graduate School of Journalism at CUNY. His biggest loves outside of the newsroom include, running, cooking, playing video games and collecting sneakers.

CNET staff -- not advertisers, partners or business interests -- determine how we review the products and services we cover. If you buy through our links, we may get paid.

There’s no shortage of ways to send money these days. Transferring cash often requires just a few clicks and swipes on payment apps like Zelle , Venmo or PayPal .

However, online options aren’t the only way to send cash. In some cases, you might need to use an old-school method to send money. If you don’t have a bank account or you’re trying to send money to someone outside the US, a money order might be your best solution.

A money order acts as a substitute for a paper check, but is a more trusted form of payment because it’s loaded with prepaid funds. You use your own cash or debit card to pay for a money order. When the recipient cashes the money order, there is no waiting period for the funds to clear, as is customary with a check . Money orders also typically cost less than cashier’s checks.

Even in an increasingly digital world, money orders are issued more often than you think: According to data from the Federal Reserve , $4.8 billion worth of money orders were processed in the third quarter of 2023 alone.

When you buy a money order, you’ll pay for the amount requested via your debit card or with cash, plus any applicable fees (more on that below). You do not need a bank account to purchase a money order, but you can’t purchase one with a credit card.

You also cannot buy a money order online, so you must do the transaction in person. You’ll complete a form with the individual’s name that you are sending the money to, along with your name and address. You can then send the money order through the mail or hand it to the recipient in person.

The cost of purchasing a money order depends on the amount, where it’s going and where you’re buying it. At Walmart, the most you’ll pay for a money order is $1.

At a Post Office location, you’ll pay $2.10 if the money order is worth less than $500 and $3 if it’s worth over $500. If you’re sending a money order internationally from a USPS location, the cost goes up substantially to include a $49.65 issuing fee.

While the need for a money order is now lower in an environment with so many digital payment options, there are plenty of scenarios where buying one can still make sense:

You don’t have a bank account: You can pay for a money order with cash, so there’s no need for a debit card or traditional checking account.
You’re paying someone outside the US: Many merchants, including Western Union, allow you to send a money order to anyone outside the country.
You want some extra protection: If you lose cash, it’s gone for good. However, the post office will replace a lost or stolen money order. Make sure to hold on to your money order receipt.
You need to send payment by mail: If your recipient will not accept an online payment, a money order is a good alternative.

When shouldn’t I get a money order?

There are times you shouldn’t use a money order, too. If the recipient needs access to the money quickly, you may be better off using Zelle or another digital payment solution. Mailed money orders can take a few days to arrive -- more if it’s a weekend or holiday.

Money orders also typically have a $1,000 cap. At the Post Office, you can buy as many money orders as you need, but you will need to pay a fee for each one. Depending on how many money orders you need to buy, it may make sense to purchase a cashier’s check from your local bank. A cashier’s check from Chase costs $10, for example.

In order to purchase a money order, you’ll need an acceptable form of payment (credit cards are not accepted), as well as the following:

Your recipient’s name and address
Your Social Security Number (in some cases)

While some major banks, like Bank of America, don’t offer money orders, there are plenty that do. Be sure to ask your local bank or credit union if they offer the service. Some institutions will waive fees for money orders for customers.

There are some upsides and downsides to consider when purchasing a money order.

No need for a checking account
Lower fees than cashier’s checks
Ability to send money internationally
More secure than cash payments
Typically limited to $1,000 or less per money order
Must be purchased in person
Payment to recipient is not immediate
Cannot be purchased with a credit card

The easiest place to cash a money order might be at your bank or credit union, which will typically accept it as it would a check. Otherwise, consider cashing the money order at a post office location. If you do, it’s important to wait to sign the money order until you are in front of a postal worker. You’ll also need to bring a government-issued ID. Walmart also cashes money orders that are issued by Western Union or MoneyGram.

Unlike checks, which often have a 180-day window before they can no longer be cashed, money orders never expire. So, if you find a money order buried in your drawer from years ago, it’s like finding money under your couch. You should go cash it now.

Can you track a money order?

While you can’t buy money orders online, you can track whether they’ve been cashed from your phone or computer. You’ll need to enter a few pieces of key information including the money order number and the dollar amount (plus, the post office number if you bought the money order at a postal service location).

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

Writers and editors and produce editorial content with the objective to provide accurate and unbiased information. A separate team is responsible for placing paid links and advertisements, creating a firewall between our affiliate partners and our editorial team. Our editorial team does not receive direct compensation from advertisers.

CNET Money is an advertising-supported publisher and comparison service. We’re compensated in exchange for placement of sponsored products and services, or when you click on certain links posted on our site. Therefore, this compensation may impact where and in what order affiliate links appear within advertising units. While we strive to provide a wide range of products and services, CNET Money does not include information about every financial or credit product or service.

Skip navigation
Find a branch
Help and support

Log into your account

Credit cards
International money transfer
Junior ISAs

Travel and Insurance

Car and van insurance
Gadget insurance
Home insurance
Pet insurance
Travel Money Card
Parcels Online

For further information about the Horizon IT Scandal, please visit our corporate website

Monzo Banking

We work with Monzo so you can bank locally through us

Access your bank accounts at Post Office branches across the UK

A person in a black shirt, their hands counting money at a post office counter

Banking services from Monzo are available at your local Post Office. Access your personal and business accounts at any of our 11,500 branches.

More information

For more information on products and services offered by Monzo, please visit their website .

Discover our full range of banking services

Find out more about over-the-counter banking in a branch near you

General Information

Moscow CityPass

The Moscow CityPass is a tourist card that gives you free entry to more than 40 top attractions in the Russian capital, including the Kremlin and Saint Basil's Cathedral.

Included attractions

The 10 most popular attractions included with the Moscow CityPass are:

Saint Basil's Cathedral
Bunker-42 Museum
Tretyakov Gallery
Tsaritsyno Palace Museum
Museum of the Patriotic War 1812
State Historical Museum
Great Wooden Palace of Tsar Alexis I in Kolomenskoye
Moscow Sightseeing Bus Pass
Moscow River Cruise

Moscow CityPass Prices

You can buy the Moscow CityPass for a duration of 1, 2, 3 or 5 days depending how long you're planning to spend in the city.

Is it worth it?

Entrance into these attractions is worth much more than the cost of the CityPass, yet it offers even more, for example, the Pushkin Museum , the Museum of the History of Vodka and the Museum of Contemporary History , among others, plus discounts at restaurants, shows and shops. If you're already planning to visit these sights, then it's well worth buying the CityPass to save money on tickets.

Where to buy the Moscow CityPass?

You can buy your Moscow CityPass online in advance via our website . Then, all you need to do is collect it from the Komsomolskaya Tourist Information Centre (Komsomolskaya Square, 5-1), near the Komsomolskaya metro station. The office is open from 9 am until 8 pm.

You may also be interested in

Moscow has seen its fair share of history, from invasions to revolutions: these days it is home to a wealth of culture and is one of the most populated capitals in the world.

Russian National Ballet

Ballet is one of the most emblematic symbols of Russian culture, a dance that has infiltrated countries the world over. Watch a performance in Moscow!

Check our destination guide for postal restrictions and requirements

Prohibitions.

The following items are prohibited from importation , meaning they won't be allowed to enter the destination country, territory or region.

To check which items are considered dangerous and prohibited for sending from Australia , download our dangerous goods guide (1.2MB) .

obscene or immoral articles;
counterfeit or pirated articles;
articles which, by their nature or their packing, may expose officials or the general public to danger, or soil or damage other items, postal equipment or thirdparty property;
documents having the character of current and personal correspondence exchanged between persons other than the sender and the addressee or persons living with them;
monetary instruments of the Russian Federation or foreign currencies;
any weapons or ammunition or parts thereof, or articles similar in construction to weapons for civilian service;
explosive or flammable goods, or explosive or ignition devices;
live animals, with the exception of bees, leeches and silk-worms that are accompanied by a veterinary certificate;
pathogenic or potentially pathogenic organisms;
perishable foodstuffs;
alcohol products, ethyl alcohol or beer;
tobacco products or smoking mixtures of any kind;
plants of any kind and in any form, or seeds;
precious stones of any kind or natural diamonds, except for jewellery;
narcotics, psychotropic substances or their precursors;
substances harmful to the ozone layer;
dangerous goods;
toxic substances which are not precursors of narcotics and psychotropic substances;
plant protection products subject to the provisions of Annexes A and B to the Stockholm Convention on Persistent Organic Pollutants of 22 May 2001;
knotted fishing nets made from synthetic monofilaments or other polyamides, with a filament
diameter less than 0.5 mm and mesh size less than 100 mm (length of mesh at one side less than 50 mm);
electric fishing systems and equipment consisting of electric signal generators with connected conductors and accumulators (batteries), employed together to fish biological aquatic resources using electric current;
propagate extremist or terrorist activities or publicly justify terrorism;
are of a pornographic nature;
are manufactured or distributed in violation of the legal requirements on elections and referenda in member countries of the Eurasian Economic Community Customs Union;
are intended to spread propaganda containing Nazi ideas or symbols, or ideas or symbols that might be confused with those of Nazi ideology;
contain other information that could be prejudicial to the political and economic interests of the Russian Federation, to public safety, or to the health and morality of its citizens.

In addition, it is prohibited to send the following articles for personal use (sent to the address of private individuals or sent by private individuals for needs that are not related to company activities):

special technical publications on the covert reception of intelligence;
human organs and/or substances, and blood and blood parts;
radioactive materials;
cultural artefacts;
scrap and waste from ferrous and non-ferrous metals;
non-manufactured precious metals, precious metal scrap and waste, ores and concentrated precious metal products, and primary products containing precious metals;
mineral substances (non-manufactured natural stones);
information about subsoils.

Import restrictions

If an item is subject to import restrictions, it means that provisions must be met before it will be released from customs in the destination country, territory or region.

We recommend you confirm import restrictions with local authorities before posting:

Animal products
Anti-parasite products
Currency and other securities
Dairy products
Fish products
Pharmaceutical products
Mineral oil
Plants and plant products
Printed matter, books, brochures
Weapons, hunting Weapons

Please note the following restrictions for International Standard articles being carried by the EMS network:

Biological substances
Counterfeit
Human ashes
Human remains
Pornography
Precious metals
Precious stones
Watches (only if over $150.00)

Customs Fees – Private persons

1st January 2020

Limits for duty-free of goods addressed to private persons for personal use

If the value of the item does not exceed EUR 200 and/or does not exceed 31kg, customs duties will not be collected.
If the value of the goods exceeds EUR 200 and/or 31 kg customs duties will calculated at a rate of 15% for values exceeding EUR 200 but at the minimum rate of EUR 2 per kilogram of the weight.

Okay to send? Send responsibly.

As the sender, it's your responsibility to make sure your items don't break any laws or rules – both within Australia and in the destination country.

Restrictions and conditions can change at short notice so the information on this page should be used as a guide only. For the latest information, you should check the UPU prohibitions & restrictions (PDF 3.2MB) or contact the destination country's customs, postal trade or government authority.

It's also your responsibility to check if the destination country imposes any duties, taxes, brokerage fees or any other fees on the item you're sending. If you're unsure, please contact the consulate office of the destination country.

Special documentation

In addition to our customs forms , authorities in the destination country, territory or region require further documentation for some items.

Commercial goods must include an invoice.

Inherited goods require a certificate, endorsed by a consul, which confirms the right of inheritance.

If International Express parcel products are valued at more than or ECI0 roubles, they may be subject to additional brokerage/ delivery costs (if delivered outside of the following cities: Vladivostok, Moscow, St Petersburg, Ekaterinburg, Khabarovsk, Novosibirsk, Samara). Please check with the Australia Post Customer Contact Centre on 13 76 78.

Letter of indemnity for International Express

If you're sending International Express items to Russia, you'll need to complete a letter of indemnity.

Delivery locations & exclusions

Before sending to this destination, it’s worth noting a few more details about our international delivery services.

Delivery locations & exclusions data (Personal)

International Express and International Standard (carried via the EMS network) - Parcels deliver to all regions, Republics and Territories with the following exceptions:

If International Express and International Standard - Parcel products are valued at more than 10,000 roubles, they may be subject to additional duties and brokerage costs. Please contact the Australia Post Customer Contact Centre on 13 76 78 for more information on how these charges are applied/charged for businesses and private individuals.

International Express and International Standard - Parcels do deliver to a Post Office Box and Post Restante (counter mail delivery).

For more information from the overseas carrier, check the Russian Post website.

Calculate postage & delivery times

Make sure it's safe to send.

Some items are considered dangerous and unsuitable for sending from Australia, even if they’re not prohibited by the destination country.

More handy info

Australia Post acknowledges the Traditional Custodians of the land on which we operate, live and gather as a team. We recognise their continuing connection to land, water and community. We pay respect to Elders past, present and emerging.

Money latest: The age when the average Briton pays off their mortgage revealed

The average Briton is 61 when they pay off their mortgage - a drop of two years. Meanwhile, Spotify is raising prices again. Read about this and the rest of today's consumer and personal finance news in the Money blog, and leave a comment in the form below.

Thursday 11 April 2024 22:26, UK

Please use Chrome browser for a more accessible video player

Spotify to hike subscription price by up to £24 a year
Minimum income for family visa rises by £10,000
Italy mourns 'end of Italian waiters in London' as visa rule brought in
Wendy's creating 400 jobs as part of UK expansion
The age when the average Briton pays off their mortgage
'WTF is going on with the price of olive oil?'
Could I build a home gym for less than my gym membership?
Basically... Tax codes
Cheap Eats : Great British Menu legend shares ultimate toastie recipe

Ask a question or make a comment

Fake flights and caravans are the two most common items being sold by fraudsters in relation to travel, Lloyds Bank's research has found.

As Britons head online to book deals for the upcoming bank holidays and summer, they have been urged to "remain vigilant", with the average holiday scam victim being conned out of £765.

Amid rising flight costs post-COVID, people have been flocking to social media and other lesser-known websites to secure cheaper deals.

A food delivery company claims to have created an "unshakeable bag" to avoid spillage in transit.

Bolt, which owns the Bolt Food delivery platform, said its design is based on gyroscope technology and will keep food stable "during the most abrupt movements".

In a post to its website, the firm said it would make the design available to its competitors as it is "too powerful to be owned by any one company".

"We believe everyone should enjoy a perfect meal, regardless of which app they order it from," it said.

Assaulting a shopworker is to be made a separate criminal offence after a government U-turn following pressure from campaigners.

The government previously said "more legislative change" was not needed to tackle the "intolerable violence and abuse" faced by shopworkers, arguing it did not think it was "required or will be most effective".

But Rishi Sunak is now set to announce his government will be amending the Criminal Justice Bill to bring in the new offence.

The drugmaker was on its knees when Sir Pascal Soriot took over in 2012.

But under his leadership it now does just about everything the UK wants from a business - creating high value-added jobs and developing products that improve people's lives.

The FTSE 100's performance has lagged that of many of its peers, both in the United States and Europe, more or less since the Brexit vote in 2016.

That poor performance has reflected the poor valuation of many UK-listed companies - resulting in numerous foreign takeovers of UK businesses in recent months and years.

It has also led to a scarcity in the number of companies floating on the London Stock Exchange, most notably the Cambridge-based chip designer ARM Holdings , which last year opted to list in the US instead.

The situation has alarmed the government, which has announced a number of reforms aimed at raising the UK's attractiveness .

An imminent shareholder vote on Sir Pascal's pay makes a particularly interesting test case because few would dispute that he has been the most outstanding FTSE 100 chief executive of his generation.

This rise could take his potential earnings to £18.5m this year - which critics say is excessive.

Read my full piece here ...

England's average house price has risen by £103,000 over the last decade, while the average annual wage has risen by £7,734.

But some areas have seen homeownership affordability decline more than others...

The London borough of Barking and Dagenham has seen the most significant fall, according to moving platform Getamover.

The platform found the area has seen house prices more than double to £380,000 in the last 10 years - but wages have only risen by £2,182.

Hillingdon in West London took the second spot, with the average property shooting up by £230,000 to £495,000, while the average income increased by just £143.

While London remains the most unaffordable region, the East Midlands has also seen a notable fall.

Oadby and Wigston in Leicestershire ranked fifth in the table, with the average house price increasing by £129,000 and the median annual income growing by £2,644.

Gedling ranks sixth among the areas of England where the affordability of buying a home has declined most.

The Nottinghamshire region has seen house prices soar by 84.8% to £231,000, while the average income has risen by just 13.11% to £33,454.

You can see how other areas fared in the table below...

Rishi Sunak's post-Brexit rules for foreign workers are getting tough press in Italy this week - with claims they could mark the end of Italian waiters in London.

April saw the minimum salary requirement for a skilled worker visa increase from £26,200 to £38,700 - a near 50% rise as the government tries to reduce immigration.

Italian daily newspaper La Repubblica published an article on its site headlined "Italians in London, the long goodbye" after the new rule was brought in this month.

There were an estimated 342,000 Italians living in the UK in 2021, according to the latest Office for National Statistics census data.

La Repubblica said the new rule change would lead to the "end of the story" of Italy's "ancient roots" in the capital, which was founded by the Romans in 43 AD.

Separately, Italian journalist Antonio Polito wrote in the Corriere della Sera newspaper that the new salary for skilled workers was "an amount that no young novice can realistically earn".

"Thus London gives up one of its great assets, the fact of being an offshore and cosmopolitan city," he said.

Mr Sunak's post-Brexit rule change has worried hospitality bosses who are still struggling to get to grips with a post-COVID reality and rising costs.

Conor Sheridan, founder of Nory and Mad Egg restaurant chain, previously told the Money blog that roughly 14% of his 15,000 UK employee base were on working visas that could be affected.

Trade body UKHospitality also said the changes would "further shrink the talent pool that the entire economy will be recruiting from".

As the migration law came in, Home Secretary James Cleverly said it was "time to turn off the taps and end the flow of cheap workers from abroad".

"We are refocusing our immigration system to prioritise the brightest and best who have the skills our economy needs, while reducing overall numbers," he said.

Several of the UK's biggest supermarkets closed their gender pay gap in the last year - while Morrisons saw the biggest rise, figures show.

Ocado and Lidl reduced their gap by the largest amounts in 2023-24 compared to the previous year, while Tesco, Asda, Aldi, Co-op, Iceland and Waitrose owner John Lewis also saw a reduction.

The data comes from the government's gender pay gap service and states the difference in hourly rates of pay.

In contrast to other big-name brands, Morrisons saw its mean pay gap widen to 12.5% from 7.6%. M&S also saw a slight increase from 12.5% to 12.6%.

The mean figure gives the best overall view of the gender pay gap but includes extreme values which could skew the average.

Of the 11 biggest UK supermarkets, Co-op has the largest pay gap with 13.2%, followed by M&S and Morrisons.

An M&S spokesperson said: "We're committed to driving equal opportunities and making M&S a great place to work for women. Encouragingly our median pay gap has decreased, and women now make up more than 50% of our UK store management population, but we know there is more to do.

"We're making progress with the launch of new initiatives, talent programmes, and policies, including our flexible working offer – Worklife, a Job Share Finder, and our industry-leading family leave offer."

A spokesperson for Co-op said: "We are committed to treating our colleague member owners fairly, and this includes driving equitable outcomes for female colleagues. We've seen a significant reduction in our gender pay gap since we started to report data in 2017, and this year's data shows further progress towards closing it.

"It's important to reiterate that we don't pay people differently based on their gender at Co-op. The gender pay gap is caused by us having fewer females in leadership role, where salaries are higher.

"Our focus on improving representation remains, as we know this is one of the key drivers causing the gender pay gap. Today, 40% of our leadership population are female - this is not enough, which is why we’ve launched a series of development programmes and have a coaching and mentoring offer to support women with career progression.

"We know there’s still much to do in this space and will hold ourselves to account and continue to strive for gender equality."

Morrisons has also been contacted for comment.

Every Thursday we look at a different savings option, explain the pros and cons, and reveal the best deals on the market (see table below for that). This week we're talking about the best notice accounts. Savings Champion founder Anna Bowes says this...

As with the rest of the savings market, the top notice account rates have started to fall. However, there are stalwarts like the Investec 90-day notice account that are holding steady and as a result offering savers an opportunity to earn a little more, while not having to tie up their cash for too long.

A relatively unused aspect of the savings market, notice accounts offer a bit of a halfway house, with the best rates available generally paying more than the top easy access rates, but will more flexibility of access than a fixed term bond.

Just as it sounds, these savings accounts require you to give notice in order to access your money without a penalty. The usual notice period ranges from 30 to 120 days, although there are some accounts on the market that require six months or even a year's notice.

By Sarah Taaffe-Maguire , business reporter

Another record month for Heathrow. Last month was the busiest ever March for the UK's biggest airport, the second record-breaking month in a row.

It was also the busiest Easter weekend as Good Friday became the busiest ever direct departure day, when 118,000 people began their journey at the airport.

It shows, despite cost of living pressures, lots of Britons were going on holiday.

More good news for Heathrow came earlier this week as planned strike action by 600 border force officers was called off to allow for negotiations in its dispute over working patterns.

Oil prices are still high, hanging around $90. A barrel of Brent crude oil, the benchmark for oil prices, costs $90.66. The last time prices were this high was in the wake of the 7 October attacks and fears of conflict spreading throughout the Middle East.

On the currency front, £1 buys $1.2538 and €1.1678.

How old is the average Briton when they buy their first home, or finish paying their mortgage, or retire?

These are some of the questions answered in a "Journeying Through Life" data dump from the Office for National Statistics.

Here are some of the key takeaways...

Home ownership - including the one life event that's happening earlier

People are buying homes later in life, perhaps unsurprisingly given how house prices have risen in the last decade or so.

In 2022, more than half of people owned their own home (either with a mortgage or outright) by the age of 36.

That's a significant increase on 2004's figures - which showed the average age for home ownership was 32.

This graph shows what proportion of people own homes at what age.

It isn't all doom and gloom on the homes front, however, with the age at which people own their home outright (ie mortgage paid off) dropping from 63 (in 2004) to 61 in 2020.

This is pretty much the only life event happening earlier, however.

Retiring later

Again, this probably won't come as a huge surprise, but people are retiring later.

The age where more than half of people were retired increased from 64 in 2011 to 66 in 2021. 

There has been a bigger increase in average retirement age for women (from 61 years in 2011, to 66 years in 2021) than for men (from 65 in 2011 to 66 in 2021).

The ONS says this is because the state pension age for women was increased from 60 to 66 during this time to match men.

Gender pay gap shrinking but still present

The latest data shows that men are still, on the whole, being paid more than women - although the gender pay gap is shown to be shrinking.

For all employees, the gender pay gap was 14% in 2023 - compared with 20% in 2013.

Despite the gap shrinking, this graph shows that men's hourly wages are higher than women's at nearly all ages.

The grey shaded area represents the pay gap.

Another part of the data shows that males start work a touch earlier than women - with half of males in full-time employment by the age of 23 (compared with females at 24) in 2021.

That data could be explained by the fact that more women attend university - some 319,000 females compared with 285,000 males in 2022.

Moving out, marrying and having children

The age at which young people move out of their family homes is increasing, too.

In 2011, half of people were not living with their parents at the age of 21 - compared with 24 in 2022.

More men live with their parents than women, with 61% of adults living at home in 2021 were male.

When it comes to having children, the average age at which women have their first baby has risen to 29.

That's up from an average of just 23 in 1970.

And finally, marriage.

The median age at first marriage has been steadily increasing since the 1960s.

For opposite sex couples married in 2020, the median age was 32 years for men and 30 years for women. For those entering into same-sex marriage, the median age was older, at 36 years for men and 32 years for women.

As well as getting married older, fewer people are getting married. In 2019, marriage rates had fallen to their lowest on record. For men, there were 18.6 marriages per 1,000 never-married men; for women, there were 17.2 marriages per 1,000 never-married women.

Spotify has announced it is hiking its subscription prices by up to £24 a year.

It is the second time in less than a year that the music streaming giant has increased its prices.

Here's how the prices will change...

Individual: £11.99 a month (up from £10.99 a month)

Duo: £16.99 a month (up from £14.99 a month)

Family: £19.99 a month (up from £17.99 a month)

When will the change kick in?

The subscription price will change from May and if you are an existing customer Spotify will email you and give you one-month's notice of the change.

If you are on a free trial you will pay the old price for one month once your trial ends.

A Spotify spokesperson told Sky News: "So that we can keep innovating and delivering value to fans, the music industry, and creators on our platform, we occasionally update our prices.

"We've begun communicating with existing subscribers in the UK to explain what this means for their account."

American burger chain Wendy's will be recruiting for over 400 job roles as part of its expansion across the UK.

The chain returned to the UK in 2021 after a 20-year break and has since opened just over 30 sites, including drive-throughs in Colchester, Peterborough, Derby and Brampton Hut.

But the chain, which was founded in Columbus, Ohio, in 1969, plans to open a further nine sites this year in Liverpool, Middlesbrough, and a second location in Sheffield.

New locations will include Liverpool, Middlesbrough and a second site in Sheffield.

Wendy's franchisee GH Burgers will open a first restaurant in Wood Green, London, this year.

There will also be restaurants in Southend-on-Sea, Colchester, Cambridge and Newcastle.

Michael Clarke, UK managing director for the Wendy's Company, told The Caterer : "We've seen great momentum in building Wendy's fandom in the UK, and the love and excitement for this iconic brand grows stronger with each new restaurant opening."

Be the first to get Breaking News

Install the Sky News app for free

IMAGES

Post Office Travel Money Card Review [ UK's Choice ]
Travel Money Card
Travel App
Travel App
How Do I Activate My Post Office Travel Card?
Travel: Visiting Palma with a Post Office Travel Money Card

VIDEO

Simplify Money Transfers
How To Send Money To Card From Revolut !
HOW TO WITHDRAW MONEY FROM GO2BANK 2024! (1 MIN)
How To Send Money On Venmo Without Card !
How to change Cash app colour (Full Guide)

COMMENTS

Travel Money Card
Call us 24/7. Please call our Travel Money card team immediately on: 0207 937 0280. We'll cancel your card and work out the best way to replace it.
Post Office travel card review: key features, rates & fees
Pound Sterling - 1.5 GBP + commission of 1.5%. Swiss Franc - 2.5 CHF. Canadian Dollar - 3 CAD. One last thing to note on the subject of fees. All Post Office Travel cards are valid for up to 3 years. Exactly 12 months after your card expires, you'll start to be charged a monthly maintenance fee of £2².
Post Office®
Post Office Travel Money Card is an electronic money product issued by First Rate Exchange Services Ltd pursuant to license by Mastercard International. First Rate Exchange Services Ltd, a company registered in England and Wales with number 4287490 whose registered office is Great West House, Great West Road, Brentford, TW8 9DF, (Financial ...
Multi-Currency Prepaid Travel Money Card
Post Office Travel Money Card is an electronic money product issued by First Rate Exchange Services Ltd pursuant to license by Mastercard International. First Rate Exchange Services Ltd, a company registered in England and Wales with number 4287490 whose registered office is Great West House, Great West Road, Brentford, TW8 9DF, (Financial ...
Post Office Travel Card review
The Post Office Travel Money Card is a prepaid card you can top up in cash or from your bank account, in any of 23 supported currencies. Once you have funds on your card you can use it as you would a regular debit card, for contactless and mobile payments, and cash withdrawals. There's no fee to spend currencies you hold on your card ...
Post Office Travel Money: Foreign Currency Rates & Fees Explained
Home delivery of travel money³. £4.99 for orders worth under £500, free above that amount. There's an additional charge of £1.50 for orders delivered on a Saturday. Credit card payment fees². Your credit card provider may charge interest or additional fees if you use a credit card to purchase travel money.
Post Office Travel Card Review
Australian Dollar - 3 Australian Dollars. Pound Sterling - 1.5 Pounds Sterling plus 1.5% commission. Regarding fees, one final note. There is a three-year validity period on all Post Office Travel cards. After your card expires, you will be charged a maintenance fee of £2 per month.
Using the Post Office Travel Money Card: Pros and Cons
Pros of the Post Office Travel Money Card. Convenience and Ease of Use: The card is straightforward to obtain and use. Travelers can easily load funds onto the card online or at a Post Office branch. Security Features: The card is not linked to a bank account, reducing the risk of fraud. Additionally, if lost or stolen, it can be easily replaced.
Travel App
The Post Office Travel Money Card can be loaded with up to 22 currencies at any one time. Top up with one or a few, if that's all you need, or with all currencies at the same time. You can top up funds in each currency's wallet, or transfer funds between the different wallets, in our free travel app or online.
The Post Office Travel Money Card Review: Key Features, Rates and Fees
Pound Sterling - 1.5 GBP + commission of 1.5%. Swiss Franc - 2.5 CHF. Canadian Dollar - 3 CAD. One last thing to note on the subject of fees. All Post Office Travel cards are valid for up to 3 years. Exactly 12 months after your card expires, you'll start to be charged a monthly maintenance fee of £2².
Post Office Travel Money Card Reviews
Travel Money cards - Easy to set-up and use. The Travel Money cards are very easy to set-up and use. It means that you do not have to use your own debit or credit cards when travelling, making it safer for you to pay for things abroad. The website was easy to use and the cards arrived very quickly. Date of experience: March 27, 2024
Our Independent Review of Post Office Travel Money
Post Office Travel Money Card Limits. Post Office Travel Money does have limits for its prepaid money card. You can load between £50 and £5,000 onto the card after you have passed an address verification check; The maximum amount you can have on your card is £10,000 and you can't load more than £30,000 in a 12-month period
The 6 Best Travel Money Cards for Overseas 2024
Post Office travel money card: Hold 22 currencies, with no fee to spend a currency you hold - 3% fee applies if you don't have the currency required in your account. Monese travel money card: Hold a balance in GBP, then spend in foreign currencies with no fees, up to your plan's limit.
Australia Post Travel Platinum Mastercard®
The ideal prepaid card for overseas travel. Buy online Manage your card Find Post Office. Travel smarter with our Australia Post Travel Platinum Mastercard, a reloadable, multi-currency prepaid card that's accepted wherever Mastercard is, worldwide 1. Easily swipe or tap in-store, use online and withdraw money from ATMs 2.
Money Orders
Decide on the money order amount. You can send up to $1,000 in a single order anywhere in the United States. Go to any Post Office location. Take cash, a debit card, or a traveler's check. You cannot pay with a credit card. Fill out the money order at the counter with a retail associate. Pay the dollar value of the money order plus the ...
Best places to exchange currency in Moscow
Offering 6 locations in Moscow. Check out Globex's Moscow branch locator to find the office nearest to you. Phone Number +7 (495) 785-22-22 (main phone), [email protected]. Opening Hours. Only two of the offices are closed on weekends. Check their website for full branch opening hours. Sberbank Locations
Fast and convenient: how ticketing system of Moscow has changed in 2022
In 2022, the Troika Travel Card started operating on Russian chips. The Moscow Metro and the MSP company began developing it back in 2019. In 2022, the enterprise supplied 3.6 million Russian transport cards to the Metro. By the end of 2027, the company will produce another 15.4 million cards with a Russian chip.
Best no-annual-fee travel cards of 2024
For general travel—points transferrable to partners (20%): Points are literally worth more if you can transfer them to certain partners, so a card's ability to transfer rewards to airline and ...
What Is a Money Order and Where Can You Get One?
At Walmart, the most you'll pay for a money order is $1. At a Post Office location, you'll pay $2.10 if the money order is worth less than $500 and $3 if it's worth over $500. If you're ...
Monzo
Western Union international money transfer; Close. Travel. Back. ... Gift cards; Travel money; Travel insurance; Drop and Go; Passports; Close. Log into your account. Banking. ... Banking services from Monzo are available at your local Post Office. Access your personal and business accounts at any of our 11,500 branches.
Moscow CityPass
Moscow CityPass Prices. You can buy the Moscow CityPass for a duration of 1, 2, 3 or 5 days depending how long you're planning to spend in the city. Duration. Adults. Children under 16 years old. 1 day. € 60 ( US$ 64.90) € 45 ( US$ 48.60) 2 days.
Russia International post guide
Rep de Tchetchnya. If International Express and International Standard - Parcel products are valued at more than 10,000 roubles, they may be subject to additional duties and brokerage costs. Please contact the Australia Post Customer Contact Centre on 13 76 78 for more information on how these charges are applied/charged for businesses and ...
Money latest: The age when the average Briton pays off their mortgage
Fake flights and caravans are the two most common items being sold by fraudsters in relation to travel, Lloyds Bank's research has found.. As Britons head online to book deals for the upcoming ...