ACE-FX

Order Day	Drop-off Date	Funds in account*
Monday	Monday	Tuesday
Tuesday	Tuesday	Wednesday
Wednesday	Wednesday	Thursday
Thursday	Thursday	Friday
Friday	Friday	Monday
Saturday	Saturday	Monday
Sunday	Sunday	Monday

GBP Order Value	Estimated Delivery Cost with insurance
£0 - £750	£7.95
£750 - £1,000	£9.95
£1,000 - £2,500	£11.95

Is click and collect same day?

Yes, in most cases, ACE-FX offers same-day Click & Collect. If the currency you need is in stock at your chosen branch, your order can often be ready for collection within just a few hours. When you place your order online, you can select your preferred collection date and time. If same-day collection is available, it will appear as an option during checkout. Please note that very large orders or less common currencies may take longer to prepare — we’ll contact you directly if that’s the case.

Can I collect travel money today?

Yes — if your chosen currency is available and you place your order before the branch’s cut-off time, you can usually collect it the same day. Both our London Bridge and Canary Wharf branches stock a wide range of popular currencies, making same-day collection possible for most customers. You’ll receive an email confirmation once your order is ready for pick-up. We always recommend waiting for this confirmation before visiting the branch, just to ensure your order is prepared and ready when you arrive.

How do you pay for click and collect?

You can pay for your Click & Collect order securely online using a debit or credit card. We accept most major UK cards, and all online payments are processed through a secure checkout system. Unfortunately, we can’t accept cash payments for online orders — this helps us keep transactions secure and efficient. Once payment is complete, you’ll receive a confirmation email containing your order details and reference number, which you’ll need to bring when collecting your currency.

How quick is click and collect?

Click & Collect with ACE-FX is designed to be fast and flexible. Many popular currencies are available for same-day collection, often within just a few hours. If the currency you’ve ordered isn’t immediately in stock, we’ll let you know the expected collection time when you place your order. You can also choose a later collection date if that’s more convenient. Once your order is ready, we’ll send you a confirmation email letting you know it’s available for pick-up.

What do i need to collect my order?

To collect your Click & Collect order, please bring a valid photo ID (such as a passport, driving licence, or national ID card) and your order confirmation email or order reference number. These help our team verify your identity and release the correct order to you. If someone else is collecting the order on your behalf, they’ll need written authorisation from you and their own photo ID. For security reasons, we can’t release orders without proper identification.

Can someone else pick up my travel money?

Yes, someone else can collect your order on your behalf, but for security reasons, we require written authorisation from you. The nominated person must bring a signed letter of permission from you, along with their own valid photo ID and a copy of your order confirmation email. This ensures we can safely verify the handover and prevent unauthorised collection. Without these documents, we won’t be able to release the currency.

Do you need ID to get travel money?

Yes, valid photo identification is required when collecting or purchasing travel money. Acceptable forms include a passport, UK driving licence, or national ID card. This requirement is part of UK financial regulations designed to prevent fraud and ensure secure transactions. Providing the correct ID helps us quickly confirm your identity and keep your order safe. Please make sure the name on your ID matches the name on your order.

How to collect foreign money?

Collecting your foreign currency with ACE-FX is simple. After placing your order online, you’ll receive an email confirmation with your order reference and collection details. Once you’ve been notified that your order is ready, visit your chosen London Bridge or Canary Wharf branch with your photo ID and order confirmation. Our team will verify your details and securely hand over your travel money. If you prefer, you can also visit one of our branches directly to buy currency in-store, subject to stock availability.

Can I walk into a bank and get foreign currency?

While some banks still offer foreign currency, their exchange rates and availability can be limited. At ACE-FX, we specialise exclusively in foreign exchange, which means we can offer better rates and a wider selection of currencies than most high-street banks. You can walk into one of our London branches to purchase currency in person, or place an online order for Click & Collect to secure your rate in advance. It’s usually quicker and more cost-effective than using a traditional bank.

For Click & Collect orders, why do I need to bring I.D?

We require ID for Click & Collect orders to protect both our customers and the integrity of the transaction. This helps confirm that the person collecting the order is the rightful owner and ensures compliance with UK anti–money laundering regulations. It also prevents unauthorised individuals from accessing your funds. Your ID helps our team verify your details quickly, allowing for a smooth and secure collection process. Please ensure your ID matches the name on your order confirmation.

Is there a restriction on how much cash you accept in store?

Yes, there are limits on how much cash we can accept in a single transaction, in line with UK financial regulations and anti–money laundering requirements. If you plan to pay in cash, we may need to ask for additional identification or proof of source of funds for larger amounts. These checks are standard practice across the financial industry and are designed to protect both our customers and our business. For most everyday travel money transactions, cash payments are accepted without issue. If you’re planning a large purchase, we recommend contacting your chosen branch in advance for guidance.

What is the maximum amount of currency I can collect in one go?

There isn’t a fixed upper limit, but larger orders may require additional notice or documentation. Most major currencies can be prepared for collection quickly, but for amounts over £5,000, we recommend placing your order in advance to ensure availability. This allows our team to securely prepare your currency in your preferred denominations. If you’re planning to exchange a significant sum, our branch staff can advise you on the best way to arrange a smooth, safe collection.

Can I pay for my currency using cash?

Yes, you can pay for travel money with cash when buying directly in-store at one of our London branches. However, cash payments aren’t accepted for online Click & Collect orders — those must be paid by card through our secure website. For larger cash transactions in-store, we may request ID or proof of funds in accordance with UK regulations. Paying by card or bank transfer can be a faster option if you’re making a high-value purchase.

Where can i collect my currency from?

You can collect your travel money from either of our ACE-FX branches in London:

London Bridge – located conveniently near the station for quick city access.

Canary Wharf – ideal for those working or travelling through the financial district.

When placing your order online, you can choose your preferred collection branch. You’ll receive an email confirming which location your order will be ready at, along with the collection details.

What time can I collect from your store?

Collection times depend on the opening hours of your chosen ACE-FX branch. Generally, both our London Bridge and Canary Wharf locations are open Monday to Saturday, with opening hours clearly listed on our website. When placing your Click & Collect order, you can choose a collection date and time that suits you. You’ll receive an email notification once your order is ready — please wait for this before visiting to ensure your currency is prepared. If you’re unsure, you can always call the branch directly to confirm availability before collecting.

Can I collect my order the next day?

Yes, you can choose to collect your order the next day if that’s more convenient. During checkout, simply select your preferred collection date and time. As long as your chosen currency is in stock, we’ll prepare your order and have it ready for you on the date you’ve selected. If your currency needs to be ordered in, we’ll email you with an updated collection time. You’ll receive a confirmation message once your order is ready to collect.

How long will my Click & Collect order be kept in-store?

We’ll hold your Click & Collect order in-store for up to two business days from your selected collection date. If you’re unable to collect it within that period, please contact your chosen branch as soon as possible — in most cases, we can extend the hold time. After the holding period expires, the order may be automatically cancelled, and your payment refunded. This ensures currency is kept secure and available for other customers when necessary.

Can I cancel my click & collect order?

Yes, you can cancel your Click & Collect order before collection. Simply contact the branch where you placed your order or email our support team using the details provided in your confirmation email. Once your cancellation is confirmed, we’ll process your refund in line with our cancellation policy. Please note that refunds may take a few working days to appear in your account, depending on your payment provider. If your order has already been prepared, there may be a small administrative delay before the refund is issued.

Will i be charged a collection fee?

No, there is no collection fee when using ACE-FX Click & Collect. The rate you see online is the rate you’ll pay when you collect your order, with no hidden charges. Our goal is to make exchanging money simple and transparent, so you know exactly what you’re getting before you pay. The only exception would be if you request a special service or non-standard currency order, in which case our team will inform you before confirming your purchase.

What exchange rate will i get if ordering online and collecting in store?

When you order online, you’ll lock in the exchange rate shown at the time of purchase. This means even if the market rate changes before collection, you’ll still receive the rate you agreed to when placing your order. This gives you peace of mind and protection from rate fluctuations. If you choose to walk in and purchase currency directly in-store, the rate will depend on the live rate available at that time. Ordering online is the best way to guarantee the rate you want.

Do I need ID to sell currency?

Yes, you’ll need to bring a valid photo ID when selling foreign currency back to ACE-FX. Accepted forms include a passport, UK driving licence, or national ID card. This requirement helps us meet UK anti–money laundering regulations and ensures your transaction is processed securely. For smaller amounts, ID may not be necessary, but we recommend bringing one each time to avoid delays. If you’re exchanging a large sum, our team may also ask for brief verification details for compliance purposes.

How to do currency conversion?

Currency conversion works the same way whether you’re buying or selling. To convert, multiply the amount of currency you want to exchange by the sell rate (the rate at which we buy back foreign currency). For example, if you’re selling €200 at a rate of 1 EUR = £0.85, you’ll receive £170. ACE-FX’s online converter or in-store staff can help you calculate the exact amount you’ll get before completing the transaction.

How to know when to sell currency?

The best time to sell currency is when the exchange rate has improved in your favour — meaning your leftover foreign money is worth more in pounds. Rates fluctuate daily based on global market movements, so checking ACE-FX’s live rates online is a smart way to time your sale. If you’ve recently returned from a trip, it’s usually best to sell your unused cash sooner rather than later, as rates can change quickly. Our friendly staff can also advise you on current market trends.

How does selling currencies work?

Selling currency is simple with ACE-FX. Bring your unused foreign cash to one of our London branches, and we’ll exchange it back into pounds at our competitive buy-back rate. You’ll need to present photo ID, especially for larger transactions. We’ll count and verify your notes before completing the exchange, and you’ll receive your payment in sterling right away. It’s a quick, transparent process designed to give you the best possible return on your leftover travel money.

What is the best way to sell travel money?

The best way to sell your travel money is to bring it directly into one of our ACE-FX branches. This allows you to receive your payment instantly and benefit from our live, competitive buy-back rates. For larger sums or less common currencies, you can contact your nearest branch in advance to confirm availability. Selling in person also means our team can check your notes for authenticity and provide the most accurate exchange value on the spot.

What is the best way to sell foreign currency?

The best way to sell foreign currency is to visit an ACE-FX branch and exchange it directly in person. This ensures you get an accurate buy-back rate and immediate payment in pounds. Bringing your currency to one of our London Bridge or Canary Wharf locations allows our team to count, verify, and exchange your notes securely on the spot. For the best value, check our live rates online before visiting, so you know exactly what to expect.

What is the best way to have travel money?

The best way to manage travel money is to carry a mix of cash and card options. Having cash on hand is ideal for small expenses like taxis, meals, and local shops, while a debit or prepaid travel card offers added security for larger payments. At ACE-FX, you can buy your foreign currency in advance at competitive rates, ensuring you’re prepared before you travel. This combination of convenience and safety helps you make the most of your money abroad.

Is it safe to sell travel money online?

ACE-FX currently handles currency buy-back in person only, ensuring your transaction is secure and verified on-site. Selling travel money online isn’t generally recommended, as it requires posting cash, which carries a higher risk of loss or delay. Exchanging your currency directly at one of our London branches is the safest and most reliable option — you’ll receive your payment immediately, with no hidden fees or waiting periods.

How do I avoid 3% foreign transaction fee?

To avoid the typical 3% foreign transaction fee that many banks charge, you can use cash exchanged in advance or a fee-free travel card. By purchasing your travel money from ACE-FX before you travel, you pay no overseas card fees and benefit from a fixed, competitive rate. If you prefer using a card abroad, look for one specifically designed for travel that doesn’t add foreign transaction charges. Combining both options gives you flexibility and peace of mind when spending abroad.

Which UK card does not charge foreign transaction fees?

Several UK banks and financial providers now offer fee-free travel cards, which don’t charge extra for overseas purchases. Examples often include travel-focused cards such as Monzo, Starling Bank, Revolut, and some premium cards from traditional banks. However, terms can change, so it’s always best to check directly with your provider before you travel. Even with a fee-free card, carrying some travel cash from ACE-FX is a smart backup in case cards aren’t accepted or network issues occur abroad.

What is travel money?

Travel money refers to foreign currency you buy before travelling abroad, allowing you to spend easily in the local currency of your destination. It can be in the form of cash notes or sometimes a prepaid travel card. Having travel money before you fly means you can pay for things like transport, food, and small purchases without relying on your UK bank card. ACE-FX makes it simple to buy, collect, or exchange travel money at competitive rates in-store or online.

How much travel money will I get?

The amount of travel money you receive depends on the exchange rate and the amount of pounds you’re exchanging. Rates fluctuate based on market conditions, but ACE-FX always aims to offer some of the best rates available in London. You can use our online currency calculator to see exactly how much foreign currency you’ll get before placing an order. Ordering online also locks in the rate shown, protecting you from any later rate changes.

How can I get my travel money?

You can get your travel money easily through our Click & Collect service or by visiting an ACE-FX branch directly. If you order online, simply choose your currency, amount, and collection location, then pay securely by card. Once your order is ready, we’ll email you to confirm it’s available for pick-up. Alternatively, you can walk into one of our London branches — at London Bridge or Canary Wharf — and buy your currency over the counter, subject to availability.

How much money can I order online?

You can order up to £7,500 worth of currency online through ACE-FX. This limit ensures safe and compliant transactions in line with UK financial regulations. If you’d like to exchange more than this amount, you can contact your chosen branch directly — our team can usually accommodate larger orders with advance notice. Ordering online allows you to secure your rate and collect your currency at your convenience.

When will I receive my order?

If your chosen currency is in stock, your Click & Collect order can often be ready for collection the same day, or within 24 hours. During checkout, you can select your preferred collection date and time. We’ll send you an email notification once your order is ready for collection from your chosen branch. For less common currencies or very large orders, preparation may take slightly longer, but we’ll always keep you informed of the expected timeframe.

What are the home delivery fees?

ACE-FX currently offers Click & Collect for travel money orders, allowing you to buy online and collect from one of our London branches. If home delivery services are available, fees may vary depending on the order value, currency type, and delivery location. Delivery charges, if applicable, will always be shown clearly before you confirm your order — there are no hidden costs. For most customers, Click & Collect remains the quickest and most cost-effective way to receive travel money securely.

Are there any administration fees?

No, ACE-FX does not charge administration or commission fees when you buy or sell currency. The rate you see online or in-store is exactly what you’ll get, with no hidden extras. We pride ourselves on transparent pricing, so you know the total cost before confirming your exchange. The only time additional charges might apply is for very large transactions or special-order currencies, and we’ll always notify you beforehand.

Will I be charged for using my credit or debit card?

ACE-FX does not charge a fee for debit card payments. However, if you use a credit card, your card provider may treat the payment as a “cash advance,” which could result in additional charges or interest. These fees are set by your bank, not by ACE-FX. To avoid potential costs, we recommend using a debit card when purchasing travel money online. All card payments are processed securely through our encrypted checkout system.

How to sell travel money?

Selling your travel money back to ACE-FX is simple and secure. Bring your unused foreign currency notes to one of our London Bridge or Canary Wharf branches, and our team will buy them back at our competitive buy-back rate. You’ll need to present a valid photo ID, such as a passport or driving licence, especially for larger amounts. Once verified, we’ll exchange your foreign currency back into pounds and issue payment immediately. Unfortunately, we cannot accept coins or damaged notes.

How does buying and selling foreign currency work?

Buying and selling foreign currency involves exchanging one currency for another at the current exchange rate. When you buy, you exchange pounds for another currency — for example, euros or dollars. When you sell, you exchange your leftover foreign money back into pounds. ACE-FX updates rates in real time to reflect the latest market conditions, ensuring fair and competitive pricing. Whether you’re buying before your trip or selling after you return, our process is quick, transparent, and secure.

How do I sell foreign currency?

To sell your foreign currency, simply bring your unused notes to one of our ACE-FX branches — either London Bridge or Canary Wharf. Our team will check the notes, confirm the live buy-back rate, and exchange them for pounds on the spot. You’ll receive your payment immediately, and for larger amounts, you may be asked to show photo ID such as a passport or driving licence. We accept most major currencies, though please note we cannot buy back coins or damaged notes.

Is it legal to sell foreign currency?

Yes, it’s completely legal to sell foreign currency in the UK. You can exchange your leftover travel money with authorised providers like ACE-FX, which is fully regulated to operate within UK financial laws. Selling currency back after a trip is a common and safe way to recover value from your unused notes. Just ensure you’re using a reputable and licensed exchange service, as this guarantees compliance with financial and anti–money laundering regulations.

Do you need ID to sell currency?

Yes, a valid photo ID is required when selling currency, especially for larger transactions. Acceptable forms include a passport, UK driving licence, or national ID card. This is a legal requirement designed to protect both customers and businesses under UK anti–money laundering regulations. For smaller exchanges, ID may not always be necessary, but it’s best to bring it with you to avoid any delays. Having the correct ID ensures your transaction can be completed smoothly and securely.

What are the rules for foreign exchange?

Foreign exchange in the UK is regulated by laws designed to ensure transparency, security, and the prevention of money laundering. This means that currency exchange businesses like ACE-FX must verify customer identity for certain transactions, keep records, and comply with strict compliance standards. Customers can freely buy and sell most currencies without restriction, though very large or unusual transactions may require additional documentation. These safeguards are in place to protect customers and ensure all exchanges are handled responsibly and legally.

What is the best international money transfer?

The best international money transfer is fast, secure, and cost-effective, with strong exchange rates and low fees. ACE-FX partners with leading global payment networks to ensure your money reaches its destination safely and efficiently. Our transfer services are ideal for sending funds to family, paying overseas bills, or managing property payments abroad. By using ACE-FX instead of a traditional bank, you’ll often benefit from better rates and lower fees, ensuring more of your money arrives where it’s needed.

What is international money transfer?

An international money transfer service allows you to send money from the UK to another country, converting your pounds into the recipient’s local currency. It’s commonly used for personal payments, overseas purchases, or business transactions. ACE-FX offers a straightforward transfer process, competitive exchange rates, and full transparency into costs. Whether you’re sending money to Europe, Asia, or the Americas, our service ensures your funds arrive securely and on time.

What is the best way to transfer international money?

The best way to transfer international money is through a specialist foreign exchange provider like ACE-FX rather than a traditional bank. We offer better exchange rates, lower fees, and faster transfer times, helping your recipient receive more of the money you send. The process is simple — provide the recipient’s details, confirm the currency and amount, and pay securely in pounds. Our team will then handle the conversion and transfer using trusted global payment networks.

How is international money transfer done?

International money transfers are completed electronically through secure banking and payment systems. Once you provide ACE-FX with your recipient’s details — including their name, bank information, and destination country — we’ll convert your pounds into the chosen foreign currency and send it directly to their account. Most transfers are completed within one to three working days, depending on the destination and currency. Throughout the process, your transaction is monitored and fully traceable for peace of mind.

How much do banks charge for international transfers?

Traditional banks often charge £10–£30 in transfer fees, plus a less competitive exchange rate, which can make international transfers more expensive overall. They may also apply hidden mark-ups to the exchange rate, reducing the amount your recipient receives. At ACE-FX, we focus on transparent pricing — offering low or no transfer fees and stronger exchange rates than most banks. This ensures your money goes further and arrives faster, without unnecessary costs.

What happens if you transfer more than £7,500?

If you transfer more than £7,500, your transaction may require additional verification under UK financial regulations. This doesn’t prevent the transfer — it simply means ACE-FX (and other regulated providers) must confirm the source of funds and the purpose of the payment to comply with anti–money laundering laws. These checks are standard and help keep your transfer secure. Our team will guide you through any required documentation, ensuring your transfer proceeds smoothly and without unnecessary delay.

How much money can I transfer without being flagged in the UK?

There’s no fixed limit on how much you can transfer, but financial institutions are required to flag unusual or high-value transactions for compliance purposes. Typically, transfers over £10,000 may trigger routine verification checks to confirm the source of funds and the reason for the payment. These checks are not penalties or investigations — they’re part of standard UK regulations designed to prevent fraud and money laundering. Providing accurate information and documentation helps your transfer clear quickly and safely.

What is the maximum amount you can transfer internationally?

There’s technically no legal maximum on international transfers from the UK, but individual providers, including ACE-FX, may have their own internal limits for security and compliance. For very large transfers, additional documents — such as proof of identity and source of funds — may be required. ACE-FX can accommodate both personal and business transfers of all sizes, and our team will ensure the necessary checks are completed quickly so your funds reach their destination securely.

How much money can you transfer before you get flagged?

Financial institutions typically review transfers that exceed £10,000, or that appear inconsistent with your usual activity. This process, known as due diligence, is a standard compliance requirement under UK law. Being “flagged” doesn’t mean your transfer is blocked or suspicious — it simply means extra verification may be needed before it’s processed. ACE-FX handles such checks professionally and discreetly, ensuring your transfer complies fully with regulations and proceeds without unnecessary delay.

Does HMRC monitor bank transfers?

HMRC doesn’t monitor every bank transfer directly, but banks and money transfer providers are legally required to report certain transactions under anti–money laundering and tax compliance laws. This includes large, frequent, or unusual transfers that may require further verification. These regulations exist to prevent illegal activity, not to restrict legitimate transfers. As an authorised provider, ACE-FX complies fully with these rules while keeping your information private, secure, and confidential.

What is considered suspicious activity on a bank account?

Suspicious activity generally refers to unusual or inconsistent financial behaviour that doesn’t match your normal spending or transfer patterns. Examples include large or frequent international transfers, transactions involving high-risk countries, or sudden changes in account activity. Banks and money transfer providers are required by law to flag these activities for compliance checks under the UK’s Anti–Money Laundering (AML) regulations. This process helps prevent fraud and financial crime. If your transaction is reviewed, it doesn’t mean anything is wrong — it’s simply a precaution to ensure everything is legitimate.

How long does it take to send money online?

Most online money transfers are processed and delivered within 1 to 3 working days, depending on the destination country, currency, and the receiving bank. Some transfers — particularly those in major currencies like USD or EUR — may arrive on the same day. At ACE-FX, we work with trusted global partners to ensure your funds are transferred quickly and securely. You’ll receive confirmation once your transfer has been sent, and our team can provide updates if you’d like to track its progress.

How secure is my transfer?

Your transfer is extremely secure. ACE-FX uses encrypted systems and regulated banking channels to protect every transaction from start to finish. We’re fully compliant with UK financial regulations and perform strict identity verification to safeguard both you and your funds. All transfers are traceable, and your personal details are kept completely confidential. Whether you’re sending money to family or making an international payment, you can trust ACE-FX to handle your transfer safely and professionally.

Why do you need more information from me?

We may occasionally ask for more information to meet legal and regulatory requirements under UK anti–money laundering laws. This could include proof of identity, proof of address, or documentation showing the source or purpose of the funds you’re transferring. These checks help protect against fraud and ensure compliance with financial regulations. The process is quick and handled with complete confidentiality — our goal is always to keep your transfer safe and moving forward without delay.

How much can I send online?

You can send up to £7,500 online in a single transfer through ACE-FX. This limit ensures all transactions remain secure and compliant with UK financial guidelines. For higher-value transfers, you can contact our team directly — we can often process larger amounts once additional verification is complete. Whether you’re sending a small personal payment or a larger international transfer, ACE-FX provides a reliable, regulated service with transparent rates and no hidden fees.

How do I pay for money transfers online?

You can pay for your money transfer online using a UK debit card or a bank transfer. When you complete your transfer request on the ACE-FX platform, you’ll be guided through a secure payment process. Debit card payments are usually processed instantly, while bank transfers may take slightly longer to clear. All payments are handled through encrypted, FCA-compliant systems, ensuring your details remain protected at all times.

How do I pay?

You can pay for your international transfer using a debit card, bank transfer, or, in some cases, by visiting one of our ACE-FX branches. Debit card payments are typically the fastest and allow us to begin processing your transfer immediately. If you prefer to use a bank transfer, you’ll receive our account details and reference number after placing your order online. Please note that we do not accept credit card payments for money transfers to prevent cash-advance fees and ensure full compliance with financial regulations.

Why was my payment declined?

Payments can be declined for several reasons — most commonly due to insufficient funds, bank security settings, or incorrect payment details. Some banks automatically block large or international transactions as a precaution against fraud. If your payment is declined, we recommend contacting your bank first to confirm the reason. You can then retry the payment or choose an alternative method such as a direct bank transfer. ACE-FX does not charge for declined payments, and our team can help resolve any payment issues quickly.

How do I send a large amount money transfer, and do I need to provide any additional documents?

If you’re sending a large money transfer, ACE-FX may request extra documentation to comply with UK anti–money laundering (AML) regulations. This can include photo ID, proof of address, and proof of source of funds (such as a payslip or bank statement). These checks are standard practice for transfers over certain thresholds and are handled securely and confidentially. Once verified, your transfer will proceed as normal, and you’ll receive confirmation once it's completed.

Are there any additional checks if I send multiple large money transfers in a short period of time?

Yes — multiple high-value transfers within a short timeframe may trigger routine compliance checks. This doesn’t mean your transfer is blocked; it’s simply a legal requirement to confirm the legitimacy of repeated large transactions. ACE-FX may request additional documentation, such as proof of income, source of funds, or the transfer purpose. These checks protect both you and the financial system by ensuring all transfers meet UK regulatory standards. Once verified, your transfers will continue without interruption.

How to get travel money?

You can get travel money quickly and securely through ACE-FX, either online or at one of our London branches. If you order online, simply select your currency, choose your amount, and pay securely by card through our website. You can then collect your order in-store at your chosen branch using our convenient Click & Collect service. Alternatively, you can walk into our London Bridge or Canary Wharf locations to buy currency directly, subject to availability.

how to order travel money?

Ordering travel money with ACE-FX is simple. Visit our website, select your desired currency and amount, and then choose your preferred collection branch and date. You’ll see the exchange rate and total cost before confirming your order. Payment is made securely online, and once your order is ready, you’ll receive an email confirming it’s available for collection. This process allows you to lock in your rate and collect your money at a time that suits you.

What is the meaning of travel money?

Travel money refers to foreign currency you buy before travelling abroad, so you can spend easily in your destination country. It’s the cash you’ll use for everyday purchases such as food, transport, and sightseeing when overseas. Having travel money on hand means you don’t have to rely solely on bank cards, which can sometimes involve fees or poor exchange rates. At ACE-FX, we make it easy to exchange your pounds into the currency you need for your trip.

How much travel money should I take?

The amount of travel money you should take depends on your destination, trip length, and spending habits. As a general rule, budget for daily expenses such as meals, transport, and small purchases, plus a little extra for emergencies. It’s often best to carry a mix of cash and card for flexibility. If you’re unsure, ACE-FX’s experienced team can advise on average daily costs for popular destinations to help you plan your budget confidently.

Is travel money cash?

Yes, travel money typically refers to physical cash in the currency of the country you’re visiting. It’s what you use for everyday spending while abroad, especially in places where card payments aren’t widely accepted. Some customers also choose to carry a prepaid travel card for convenience, along with their cash. At ACE-FX, we offer both options — you can purchase foreign currency notes or load funds onto a secure prepaid card, depending on your travel needs.

What is travel money called?

Travel money, also known as foreign currency or holiday money, is commonly used for travel. It refers to the cash you exchange before travelling abroad, allowing you to spend in the local currency of your destination. For example, if you’re travelling to the United States, your travel money would be in US dollars (USD), while for Europe it would be euros (EUR). At ACE-FX, we stock a wide range of global currencies to ensure you have the cash you need wherever you’re headed.

Is it better to exchange at home or abroad?

It’s usually better to exchange your money before you travel, as you’re more likely to get a stronger exchange rate and avoid extra fees. Buying currency at your destination — particularly at airports or hotels — often comes with less favourable rates and higher commission charges. By exchanging in the UK with ACE-FX, you can secure your rate in advance and collect your travel money at your convenience. It also saves you the stress of searching for a currency exchange when you arrive abroad.

Is it better to use a debit card or cash abroad?

Using a combination of cash and card is often the best approach. Cash is ideal for small purchases, local markets, taxis, or tipping — especially in places where cards aren’t widely accepted. Debit or prepaid travel cards are useful for larger payments or emergencies, as they can be replaced if lost. However, using a UK debit card abroad may incur fees or unfavourable exchange rates. By bringing some travel money from ACE-FX, you can control your spending and avoid unnecessary bank charges.

Which bank is best for money exchange?

While most UK banks offer currency exchange, their rates are often less competitive than those of specialist providers like ACE-FX. Banks may also have a limited stock of certain currencies and charge additional service fees. As a dedicated foreign exchange company, ACE-FX focuses solely on travel money, allowing us to offer better rates and faster service than most high-street banks. You can easily order online or visit one of our London branches for same-day collection.

What's the best way to travel with money?

The best way to travel with money is to carry a mix of cash and card options. Cash ensures you’re covered for everyday expenses and places that don’t accept cards, while a prepaid travel card or debit card adds security and flexibility for larger purchases. Always keep your cash in a safe place and avoid carrying your entire budget at once. Many travellers find that buying their currency in advance from ACE-FX provides peace of mind, knowing they’ve secured a great rate before they fly.

Which currency to choose when travelling?

You should always use the local currency of your destination when travelling abroad. For example, if you’re visiting Spain, you’ll need euros (EUR), while trips to the United States require US dollars (USD). Paying in local currency usually gives you a better rate and avoids extra conversion fees that can apply when paying in pounds abroad. ACE-FX offers a wide range of currencies, so you can easily get the correct one for your trip — whether you’re heading to Europe, the US, Asia, or beyond.

Is a higher or lower exchange rate better?

A higher exchange rate is better when you’re buying foreign currency. It means you’ll get more of the foreign currency for your pounds. For example, if the rate for euros increases from 1.14 to 1.18, you’ll receive more euros for the same amount of pounds. Exchange rates change frequently due to market conditions, so ordering when the rate is strong can help your money go further. At ACE-FX, we always aim to offer competitive, real-time rates for every order.

Can you leave paper money in your pocket through airport security?

Yes, you can carry paper money through airport security without any problem. There’s no limit on how much cash you can take through UK airport security, but you may be asked to declare large amounts (typically €10,000 or more when travelling to or from the EU). To keep your money secure, it’s best to place it in your carry-on bag or wallet rather than leaving it loose in your pockets. Always keep your travel money with you rather than in checked luggage.

Where should I keep my cash when flying?

When flying, keep your cash in your hand luggage or on your person — never in checked bags. A money belt, travel wallet, or a secure zipped pocket is ideal for keeping your notes safe and accessible. If you’re carrying a large amount, consider dividing it between multiple locations (e.g., a wallet and a carry-on) for extra security. Once you arrive at your destination, store most of your cash at your accommodation and carry only what you need for the day.

What is travel money?

Travel money is simply foreign currency that you exchange before travelling abroad. It allows you to pay for goods and services in the local currency of your destination, such as meals, taxis, or attractions. Having travel money in advance helps you avoid high card fees and poor rates that can come with using your UK bank card overseas. ACE-FX provides a quick and reliable way to purchase travel money at excellent rates — either online or in-store.

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Order online for enhanced rates

Drop your currency into store

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How it works

Order online for enhanced rates

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Receive the funds directly into your bank

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Important Sell Currency By Post Information

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Order limits and fees for Sell by Post

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Frequently asked questions

Is click and collect same day?

Can I collect travel money today?

How do you pay for click and collect?

How quick is click and collect?

What do i need to collect my order?

Can someone else pick up my travel money?

Do you need ID to get travel money?

How to collect foreign money?

Can I walk into a bank and get foreign currency?

For Click & Collect orders, why do I need to bring I.D?

Is there a restriction on how much cash you accept in store?

What is the maximum amount of currency I can collect in one go?

Can I pay for my currency using cash?

Where can i collect my currency from?

What time can I collect from your store?

Can I collect my order the next day?

How long will my Click & Collect order be kept in-store?

Can I cancel my click & collect order?

Will i be charged a collection fee?

What exchange rate will i get if ordering online and collecting in store?

Do I need ID to sell currency?

How to do currency conversion?

How to know when to sell currency?

How does selling currencies work?

What is the best way to sell travel money?

What is the best way to sell foreign currency?

What is the best way to have travel money?

Is it safe to sell travel money online?

How do I avoid 3% foreign transaction fee?

Which UK card does not charge foreign transaction fees?

What is travel money?

How much travel money will I get?

How can I get my travel money?

How much money can I order online?

When will I receive my order?

What are the home delivery fees?

Are there any administration fees?

Will I be charged for using my credit or debit card?

How to sell travel money?

How does buying and selling foreign currency work?

How do I sell foreign currency?

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Send us your currency by post.

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Sell in Store

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