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Post Office Travel Card Review 

post office travel card benefits

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.

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by Matt Woodley

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Using the Post Office Travel Money Card: Pros and Cons

post office travel card benefits

Table of Contents

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.

What is the Post Office Travel Money Card?

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.

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.
  • 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.

Cons of the Post Office Travel Money Card

  • 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.

User Experiences and Reviews

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.

How to Get and Use the Card

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.

Best Practices for Cardholders

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.

Alternatives to the Post Office Travel Money Card

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.

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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.

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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 : Explosion Cards: How To Make A Pop Up Box

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 : Order Greeting Cards Online

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

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Currensea vs Post Office review - What’s the best travel money card

Who is the post office .

The Post Office is a well-known high-street brand, trusted by millions for postage, government, and financial services through its wide network of branches. However they are not the ones to deliver your mail, that is the Royal Mail, and is a different business to the Post Office.

What are they offering?

The Post Office offers a prepaid multi-currency travel card allowing you to hold 23 different currencies.  Being a prepaid travel card means you need to load money directly onto it and then reload or top up when you need more money on it. This can be done by their travel app at any time, and it allows you to then spend in any of their available currencies.

The aim is to provide an easy solution to managing your travel money abroad. The Post Office is well known for promoting a 0% commission service when taking physical cash abroad, so has been favoured by travellers for a long time.

*Rates and charges shown are correct as of 30th September 2021

Currensea travel debit card

Currensea travel debit card

What travel money card options and plans do the Post Office have?

The Post Office has one simple plan, their basic Post Office Travel Money Card. While the travel money card is free to get, there is a minimum load amount of £50 of whichever of the 23 currencies you choose. 

What are Post Office fees when spending abroad?

Terms such as fee-free, no commission, and zero charges are used a lot by travel money providers, and the Post Office is no different when it comes to marketing their card, which offers 0% commission. But as with most others, there is often a hidden fee under the bonnet. After all, how else would a provider make any money? 

So what fees does the Post Office charge? 

What does the Post Office charge with their travel money cards

All of the above fees can be found in the Post Office terms and conditions , pages 12-15

We took a look at the EUR exchange rate they offered when loading the card before purchase, when we compare this to the interbank (real) rate we can also see a hidden charge in the FX rate of 3.8%!  

We checked a few currency conversions and there is a maximum hidden FX fee of 3.78% across all when loading up to £499.

A great indicator as to whether there are hidden fees or not, is if a better rate is offered when loading more money as you can see here: 

Even with the better rate there is still a hidden fee of 2.4% when compared to the live interbank rate at the time. 

It’s also worth noting that if you use your Post Office card to withdraw cash abroad, you will be charged at the point of loading your desired currency (the  FX mark-up rate ), you will then be charged a minimum of £1.50 per ATM withdrawal  on top of this. So withdrawing £100 worth of currency could  cost around £5.20.  

Why would you use a Post Office Travel Money Card?

More often than not the Post Office works out more expensive than if you were to use your high-street bank account. However, you may like the functionality of separating your holiday money from your main bank account by preloading the card. 

The Post Office travel card could also be a good solution if you have younger family members travelling abroad and want to help them fund their trip, but don’t want to give access to large amounts of money or for them to use their bank card while abroad. The Post Office travel money card would allow you to top up from afar and smaller amounts (although other card providers do allow limits to be set up on the card or account, which could solve this particular issue). 

Who is Currensea?

Currensea was founded by James Lynn and Craig Goulding in 2018, then launched in 2019 aimed at reducing hidden FX fees for travellers when spending abroad and the hassle of topping up or prepaying. 

Currensea is the UK’s best rated travel debit card. The layer in front of your current bank account, saving you money, giving you extra security and making your bank work that bit harder for you.

Currensea's travel debit card partners with your current bank account to save you at least 85% on the high-street banks fees and charges on all overseas transactions. Unlike other travel cards, there is no need to prepay, no need to top-up and no need for a new bank account. Spend as seamlessly abroad as you do at home, with the money only debited from your existing bank account after you’ve spent.

What are the different charges applied by a Currensea travel debit card?

Currensea offers 15 currencies at the real (interbank) exchange rate and 165 currencies at the Mastercard exchange rate (which is the rate also used by Monzo, Starling and many other FinTechs). When signing up for the free plan, users will be charged at a flat FX mark-up rate of 0.5% over these two base rates - with no extra charges over a certain amount or at weekends, it's that simple.

What card options and plans does Currensea offer?

Currensea's travel debit card currently offers three pricing plans. The Essential plan is free to use, the Premium plan is £25 per year and the Elite plan is £120 per year. The Essential Plan charges 0.5% FX per transaction, whereas the Premium and Elite plan incur no fees. The Elite plan also includes a host of exclusive benefits and memberships, as well as the exclusive Currensea black card. 

Currensea has no additional weekend charges, or fair usage limits on any plan.

Currensea travel debit card pricing plans

So how does Currensea compare to Post Office TMC?

How does Currensea's travel debit cards compare to Post Office TMC?

In real terms what is cheaper (and when)?

When comparing Post Office and Currensea, Currensea will always be the cheaper option when spending abroad. This is due to the hidden FX charge when pre-loading and exchanging to your desired currency on a Post Office travel money card. 

More often than not, The Post Office travel money card also works out more expensive than your high-street bank, so it’s definitely important to check the exchange rate before ordering your card. 

Here are the total charges when you spend $5,000 dollars ($500 of that in cash). 

Currensea's travel debit cards charges compared to the Post Office

View our comparison table to find out more including how we calculated the above charges.

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The 6 Best Travel Money Cards for Travelling Overseas 2024

Claire Millard

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.

post office travel card benefits

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

Multi-currency account and card Wise

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

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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.

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Compare Currency Cards

Compare currency cards now, caxton | monzo | moneycorp | travelex | post office, benefits of caxton.

  • Purely a currency card, not a debit card.
  • 15 loadable currencies available (incl. GBP), with the ability to load more than one at a time.
  • If they don’t list the currency you need, they’ll convert it for you using their bank-beating exchange rates.
  • Accepted wherever you see the Mastercard logo
  • No overseas ATM* fees
  • Block your card in an instant via the mobile app

Discover the benefits of the Black Caxton Card

Get Caxton Card

Discover the benefits of the Red Caxton Card

Get Caxton Red

Added benefits of Caxton Red Account

Based on a £5 p/month subscription:

  • Exchange up to £25K a year, no fees, no mark-ups.
  • No ATM* and transaction fees in the UK and abroad
  • Purchase protection.
  • Earn reward points on UK spend.
  • Free additional card.
  • Travel extras and event cancellation cover.
  • Cashback rewards for referring your friends (Give £10, Get £10).

Drawbacks of Caxton

  • A minimum of £10 must be loaded to receive the card.
  • No branches for face to face communication (can be contacted through their UK based customer service line).
  • You load the currency at a fixed rate, so if the rate changes, it won’t improve the value of your currency.
  • If you buy currency and don’t spend it, you may lose out when selling it back unless you have purchased the buy-back guarantee.

Caxton cards give you all the perks of a travel card; pre-loadable currencies, no ATM* fees and contactless payment options with no hidden costs. Withdraw cash abroad for free and keep an eye on what you’re spending on their handy app. Caxton offer three different card options, each with their own perks.

Enjoy all of the above with their standard card or sign up to their Red membership for “awesome exchange rates and exclusive benefits” for just £5 a month. If you are planning on spending a substantial amount of money abroad, say, for instance, buying a property, their Caxton Premier card might be just what you need!

*Caxton do not charge ATM fees, but some overseas providers may do so.

Benefits of Monzo

  • Works all over the world.
  • No fees for spending abroad.
  • They’ll let you know what the current exchange rate is in the country you land in.
  • It uses the MasterCard exchange rate.
  • You can freeze the card if it gets lost and unfreeze it if you then find it.

Drawbacks of Monzo

  • Overseas withdrawals limited to £200 p/month.
  • No branches to visit if you prefer face to face interaction.
  • Can’t receive overseas payments.
  • Only available to UK residents.
  • Can’t deposit cash.

Compare Currency Cards - Monzo card perks include built in savings pots, no atm fees and no charges for spending abroad!

Get Monzo Card

Monzo is the latest banking platform to hit our app stores, and it’s certainly got people talking! The UK only bank isn’t just another bank account, it’s a powerful budgeting, saving and travel spending tool, too. You can use it in the same way you would your standard current account; with the same perks!

Benefits of moneycorp

  • Load up to 10 currencies.
  • Branches in London and in airports.
  • Order currency in advance and pick up in the airport (selected airports) .
  • Red Card offers better rates and is contactless.
  • Only 5 places in the world you can’t use it.

Drawbacks of moneycorp

  • White Card charges £1.50 or equivalent for cash withdrawals abroad.
  • White Card isn’t contactless.
  • If they don’t have the currency online, you need to contact [email protected] and they’ll see if they have it in one of their branches. This may cause delays.
  • You need to allow plenty of time to apply for and receive the Red Card.

Compare Currency Cards - Pick up your moneycorp currency card today

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Benefits of Travelex

  • Load up to 10 currencies including African Rand and UEA Dirham.
  • Branches available at Heathrow Airport.
  • 24/7 customer assistance.
  • Free access to your cash.
  • Mobile app to keep on top of your holiday spending.

Drawbacks of Travelex

  • £50 minimum load amount in person or £100 on the app.
  • £5,000 limit on how much credit you can have loaded at one time.
  • £30,000 loadable limit in any 12 month period.
  • Inactivity fee charged if not used in 12 months.

Get Travelex Card

The Travelex currency card is a great way to access your international finances safely and securely while away. The product is available to use across millions of locations worldwide & can be used for 10 major currencies. The team at Travelex offer 24/7 assistance as well as fixed exchange rates & if you really love the product you can invest in Platinum benefits!

Post Office Travel Money Card

Benefits of the post office travel money card.

  • Load up to 13 currencies
  • Accepted in 36 million locations in over 200 countries.
  • Mobile App links with the card so you can keep track of spending
  • Delivered within 2-3 days of ordering
  • Contactless

Drawbacks of the Post Office Travel Money Card

  • 3% cross border fee applies when you spend in a currency other than one of the 13 currencies offered.
  • Cash withdrawal limits vary from currency to currency.
  • $2.50 / £1.91 charge each time you withdraw cash.

Compare Currency Cards - Order your foreign currency from the Post Office

Get Post Office Travel Card

The Post Office Travel Money Card is a very well-rounded product that enables you to use & spend your international currency easily and safely. The card lets you load between £50 and £5,000 in 13 different currencies, which can be withdrawn from over 200 countries & is supported by a great online app to help you organize your finances. The app allows you to view/transfer your balances, buy travel insurance and view documents, as well as booking airport parking & transfers.

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4 ways travel credit cards can really save you big on your next vacation

Posted: March 29, 2023 | Last updated: July 29, 2023

<p>A travel credit card is a generic term that applies to a type of credit card that offers travel rewards. There are many different kinds of travel credit cards, and each one may offer a different array of rewards, benefits, and perks. Some travel credit cards might earn airline miles, while others offer hotel points.</p><p>Finding the right travel credit card for you will depend on your own specific spending and travel patterns.</p>

What Is a Travel Credit Card?

A travel credit card is a generic term that applies to a type of credit card that offers travel rewards. There are many different kinds of travel credit cards, and each one may offer a different array of rewards, benefits, and perks. Some travel credit cards might earn airline miles, while others offer hotel points.

Finding the right travel credit card for you will depend on your own specific spending and travel patterns.

<p>The start of 2021 will certainly be a rollercoaster with the distribution of the COVID-19 vaccine and the inauguration of a new president. These events can trigger many reactions on Wall Street. In fact, when the vaccine trial results were determined better than expected, <a href="https://www.cnbc.com/2020/11/09/heres-where-to-invest-your-money-in-2021-financial-advisors-say.html">the major stock indexes jumped to record highs.</a></p><p>If you invest in the stock market, take some time to reevaluate where you have invested your money. Industries such as fast food, streaming entertainment and at-home fitness have performed exceptionally well in 2020.</p><p>However, later in 2021, airlines, hospitality and travel industries may see a huge improvement from their depression in 2020.</p><p>The lesson? Evaluate the societal changes as we enter into the new year and how your investments may shift to meet those changes.</p>

Different Types of Travel Credit Cards

There are three main types of travel credit cards: airline cards, hotel cards, and cards that earn generic travel points.

Airline Travel Credit Cards

Many airlines offer one or more airline travel credit cards that earn  credit card miles  that you can use to fly with that specific airline. With each purchase, you can get that much closer to your next flight. Additionally, many airline travel credit cards offer perks like free checked bags, a way to earn elite status, or discounts on inflight purchases.

<p>The front desk check-in is a typical hotel experience that’s bound for some big changes, including a plexiglass partition to help reduce contact between guests and employees. You shouldn’t expect to pass over your ID card or <a href="https://financebuzz.com/best-hotel-credit-card">hotel credit card</a> during a new check-in experience because it would form a point of contact. Instead, hotels may transition to contactless payments and verification methods.</p><p>Don’t be surprised if some hotels don’t require a visit to the front desk at all, as this would be one of the best ways to limit human interaction and contact points. Digital check-ins via your compatible mobile device can replace the need for a physical front desk.</p>

Hotel Travel Credit Cards

Another type of travel credit cards are hotel credit cards issued by major hotel chains including Hilton, Hyatt, and Marriott. Similar to their airline counterparts, hotel travel credit cards let you earn hotel points with each purchase that you can then use to stay with their chain. Many hotel travel credit cards also offer hotel-specific perks, like elite status, increased earnings from stays, or an annual free night certificate.

<p>There are two banking areas that you should pay attention to and look to “fix” right away.</p><p>The first is with the fees that you’re subject to paying at your current bank. I know all too well that it can be easy to avoid paying attention to the fees you’re paying. But that’s the problem — it might just be one of the easiest things you can easily keep tabs on and control, yet it’s often overlooked and neglected.</p><p>The amount you’re paying in fees to your bank every month can draw down your balance by small amounts over an extended period of time. Slowly but surely, this can end up costing you more than a few hundred dollars every year.</p><p>If you’re unsure of the fees you’re currently paying, I’d highly recommend checking in with your bank to understand them better and only see if there are better options for your current needs. If not, you might want to consider an alternative bank.</p><p>You’ll also want to pay attention to and consider opening a bank account that has a solid interest rate. Online banks will almost always offer higher interest rates for their accounts compared to traditional, brick-and-mortar banks.</p><p>Choosing a bank account with a higher interest rate can be a great way to help you reach your financial goals even faster. If this is something you’re serious about, I’d recommend using a high-interest bank account for your emergency fund or sinking fund.</p>

Bank Travel Credit Cards

If you like traveling but don’t want to tie yourself to a specific airline or hotel chain, you can consider a more generic travel card. Some banks, including American Express, Chase, and Citi, offer travel credit cards that earn their own proprietary  credit card points . You can then use these bank points for many different forms of travel.

<p>If you’re planning to travel out of town during the holidays, these <a href="https://www.policygenius.com/blog/ways-to-save-on-travel/">15 ways can help you save on travel</a>.</p>

4 Benefits of Travel Credit Cards

There are a number of advantages to having a travel credit card. Here’s a closer look at these upsides.

Qualify For Significant Welcome Bonuses

Many travel credit cards offer welcome bonuses when you’re approved for the card and meet certain minimum spending criteria. For example, you might earn 60,000 airline miles after spending $2,000 on your card in the first three months.

These welcome bonuses can be worth hundreds if not thousands of dollars, and they can be a great way to boost your travel budget. That’s why it’s important to understand  how a credit card works  when you sign up and what requirements there are to make the most out of your card.

<p>If you love to travel, you’re likely to be excited about the possibility of earning airline miles or hotel points with each purchase. The miles and points that you earn while using your travel credit card can help fund your next vacation trip.</p>

Earn Airline Miles and Hotel Points

If you love to travel, you’re likely to be excited about the possibility of earning airline miles or hotel points with each purchase. The miles and points that you earn while using your travel credit card can help fund your next vacation trip.

<p>Expenses related to the death of a person include funeral and burial costs, possible debts and taxes. Liquidating assets can take time. The Death Benefit of a life insurance policy, on the other hand, can be claimed immediately, which makes it useful for paying out such expenses and reducing the financial burden of a death on your family.</p>

Get Insurance Benefits

Some travel credit cards offer different types of insurance that you might find valuable if you’re a frequent traveler. Some  credit card travel insurance  protects you if you are delayed or an airline loses your baggage. Other credit card insurance might cover you while renting a car, allowing you to decline the rental car company’s high-priced insurance offerings.

<p>A travel policy is an often-overlooked coverage that you can customize based on where you're going, the risks you face along the journey and your personal circumstances. Similar to <a href="https://www.carinsurance.org/guide/understanding-your-policy/elements-and-terms-to-help-you-understand-your-policy/">different types of car insurance,</a> travel insurance is a bundle of individual coverages.</p><p>Travel insurance can protect you from various situations ranging from an inconvenience (such as losing your luggage or getting stranded due to bad weather) to having a life-threatening medical emergency requiring an airlift to the nearest hospital.</p><p>Keep reading to find out five primary coverages you get from a travel policy.</p>

Enjoy Other Perks and Card Benefits

Perks like elite status, free checked bags, or an annual free night certificate are other potential benefits of having a travel credit card. If you’re traveling outside the country, you might also consider an  international credit card  that you can use while abroad.

<p>While travel credit cards can come with many benefits, there are also some disadvantages you’ll want to keep in mind.</p><h3>Limitations in Travel Choices</h3><p>If you have an airline or hotel credit card, you will likely only earn airline miles or hotel points with that specific airline or hotel chain. This can limit where you can use your travel rewards. As one example, if you have a Delta Air Lines credit card, you won’t be able to use your miles if you want to fly United or Southwest.</p><h3>Not as Flexible as Cash-Back Rewards</h3><p>Earning airline miles and hotel points can seem fun and exciting, but it may not be the best way to maximize your earnings. You’ll want to carefully consider the benefits of <a href="https://www.sofi.com/learn/content/credit-card-miles-vs-cash-back/">credit card miles vs. cash back</a> to decide which type of reward makes the most sense for you. You may find that you’re better off with a cashback credit card like the SoFi <a href="https://www.sofi.com/credit-card/">credit card</a>.</p><h3>Potential for Annual Fees</h3><p>Some (but not all) travel credit cards come with annual fees. These annual fees may be waived for the first year as an incentive for you to sign up, but you’ll be on the hook to pay the fee each year you continue to have the card.</p><p>While it is possible to get more value from your travel credit card than the amount of the annual fee, you’ll want to make sure that’s the case for your situation. Otherwise, you’ll want to focus your search on <a href="https://www.sofi.com/learn/content/no-annual-fee-no-foreign-transaction-fee-credit-card/">no annual fee credit cards</a>.</p>

3 Disadvantages of Travel Credit Cards

While travel credit cards can come with many benefits, there are also some disadvantages you’ll want to keep in mind.

Limitations in Travel Choices

If you have an airline or hotel credit card, you will likely only earn airline miles or hotel points with that specific airline or hotel chain. This can limit where you can use your travel rewards. As one example, if you have a Delta Air Lines credit card, you won’t be able to use your miles if you want to fly United or Southwest.

Not as Flexible as Cash-Back Rewards

Earning airline miles and hotel points can seem fun and exciting, but it may not be the best way to maximize your earnings. You’ll want to carefully consider the benefits of  credit card miles vs. cash back  to decide which type of reward makes the most sense for you. You may find that you’re better off with a cashback credit card like the SoFi  credit card .

Potential for Annual Fees

Some (but not all) travel credit cards come with annual fees. These annual fees may be waived for the first year as an incentive for you to sign up, but you’ll be on the hook to pay the fee each year you continue to have the card.

While it is possible to get more value from your travel credit card than the amount of the annual fee, you’ll want to make sure that’s the case for your situation. Otherwise, you’ll want to focus your search on  no annual fee credit cards .

<p>Saving money doesn't have to end at airfare. Once you're there, there are ways to ensure you continue keeping and sticking within your budget. </p><p>Let's see how to save some cash!</p>

Are Travel Credit Cards Worth It?

Whether a travel credit card is worth it will depend quite a bit on your own specific financial and travel situation. There’s no denying that there are many people who have used travel credit cards to great effect, traveling around the world at a discounted rate thanks to miles and points. Others have signed up for travel cards and continue to pay annual fees, even though they aren’t traveling as often.

<p>Only 8% of currency is in physical form.</p>

Alternatives to Travel Credit Cards

You do have other options you might think about if you’re not interested in a travel credit card.

If you’re intrigued by earning rewards with a specific brand but don’t travel often, you might consider a  private label credit card . These types of cards can offer benefits at a specific store or retail establishment.

Another option could be a cash-back rewards credit card. This would allow you to earn cash as a reward, which you could use for travel or anything else that suits you.

<p>Travel credit cards are a type of credit card that offers rewards, perks, and benefits for frequent travelers. You might earn airline miles, hotel points, or more generic bank points that you can use for a variety of different types of travel. While it is possible to use travel credit cards to rack up airline miles or other travel rewards, you’ll also want to keep an eye on any annual fees that you’re being charged.</p><p class="p1"><b>Learn More:</b></p><ul><li><a href="https://www.sofi.com/personal-loan-calculator/">Personal loan calculator</a></li><li><a href="https://www.sofi.com/learn/content/pros-and-cons-of-personal+loans/">The pros and cons of personal loans</a></li></ul><p class="p1"><i>This article originally appeared on </i><i><a href="https://www.sofi.com/learn/content/how-do-travel-credit-cards-work/">SoFi.com</a></i><i> and was syndicated by</i><a href="https://mediafeed.org/"><i> MediaFeed.org</i></a><i>.</i></p><p class="p1"><i>Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.</i></p><p class="p1"><i>The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.Communication of SoFi Wealth LLC an SEC Registered Investment AdvisorSoFi isn’t recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.</i></p><p class="p1"><i>Communication of SoFi Wealth LLC an SEC Registered Investment Adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at </i><a href="https://adviserinfo.sec.gov/"><i>www.adviserinfo.sec.gov</i></a><i>. Liz Young is a Registered Representative of SoFi Securities and Investment Advisor Representative of SoFi Wealth. Her ADV 2B is available at </i><a href="https://www.sofi.com/legal/adv"><i>www.sofi.com/legal/adv</i></a><i>.</i></p>

The Takeaway

Travel credit cards are a type of credit card that offers rewards, perks, and benefits for frequent travelers. You might earn airline miles, hotel points, or more generic bank points that you can use for a variety of different types of travel. While it is possible to use travel credit cards to rack up airline miles or other travel rewards, you’ll also want to keep an eye on any annual fees that you’re being charged.

Learn More:

  • Personal loan calculator
  • The pros and cons of personal loans

This article originally appeared on  SoFi.com  and was syndicated by  MediaFeed.org .

Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.

The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.Communication of SoFi Wealth LLC an SEC Registered Investment AdvisorSoFi isn’t recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.

Communication of SoFi Wealth LLC an SEC Registered Investment Adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at  www.adviserinfo.sec.gov . Liz Young is a Registered Representative of SoFi Securities and Investment Advisor Representative of SoFi Wealth. Her ADV 2B is available at  www.sofi.com/legal/adv .

<p>Before moving on any further down the checklist of personal finance advice, it’d be smart to check your credit score. You can do so easily and for free at <a href="https://www.creditsesame.com/">Credit Sesame</a>.</p><p>If you’re net worth is the most important financial metric to check, your credit score comes in at a close second place. There are a lot of <a href="https://www.juststartinvesting.com/the-powerful-benefits-of-a-good-credit-score/">benefits associated with having a good credit score</a>, including:</p><ul>  <li>Access to excellent credit cards</li>  <li>Lower interest rates on loans</li>  <li>Higher credit limits</li>  <li>And much more</li> </ul><p>Knowing where your credit score stands is the first step to take in order to improve it (or to celebrate if you already have a good score!).</p>

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Travel points on credit cards, explained

PayPal Editorial Staff

March 14, 2024

Savvy shoppers can turn everyday spending into exciting adventures by harnessing the power of travel points on credit cards.

Travel points on credit cards are rewards earned for eligible purchases. When someone accumulates enough points, they can redeem them for travel-related expenses like flights, accommodations, or upgrades.

From earning to redeeming, discover the world of travel reward points in this guide.

How do travel points work?

Travel points on credit cards work by rewarding people for their spending. When someone uses their credit card for eligible purchases, they may earn a certain number of points or miles based on the card's rewards program. These points accumulate over time and can be redeemed for travel costs.

Some cards or reward programs also offer flexible redemption options, allowing individuals to transfer points to airline or hotel loyalty programs.

The more someone spends on their card, the more travel points they may accumulate. However, it’s important to practice responsible spending and not make purchases simply to earn more points.

While some credit cards may be specifically noted as travel credit cards or offered in tandem with airline companies, many rewards credit cards can still be used to earn points or cash back to spend on travel or lodging. There may also be rewards programs via cash back apps that offer earning potential for spending with certain travel-related companies or airlines. For example, PayPal users can view travel-related deals and rewards offerings in the Travel category on the PayPal app . Rewards earning and redemption options will vary depending on card provider and/or rewards program.

Potential pros and cons of travel points

Some benefits of travel points may be:

  • Free or discounted travel expenses:  Travel points may be redeemed for complimentary or discounted flights, hotel stays, and even upgrades, allowing for cost savings on travel expenses.
  • Travel perks:  Some travel rewards cards provide access to airline or hotel loyalty program benefits, such as priority boarding, lounge access, and room upgrades.
  • Flexible redemption:  Many programs offer flexible redemption options, including the ability to transfer points to partner airlines or hotels, providing more choices for travelers.

Before signing up for a travel rewards credit card, consider the possible risks of travel points:

  • Limited flexibility:  Some travel rewards programs may have restrictions or blackout dates. Points may also have expiration dates — if unused, someone may lose their rewards.
  • High annual fees:  Many premium travel rewards cards come with annual fees, which may offset the value of the rewards.
  • Increased spending:  To earn travel points, people must use their credit card, which can lead to debt if not managed responsibly.

How to earn travel points

To earn travel points, someone generally needs to use a travel rewards credit card on eligible purchases. Over time, they may accumulate enough points to enjoy a benefit like free or reduced airfare or a discounted hotel stay.

Beyond everyday spending, here are other ways to potentially earn travel points:

  • Sign-up bonuses:  Many travel rewards credit cards offer sign-up bonuses when opening a new account and meeting a spending requirement within a specified timeframe.
  • Frequent flyer and hotel loyalty programs:  When someone flies with a specific airline or stays at a particular hotel chain consistently, they may accumulate points or miles that can be redeemed for future travel.
  • Online shopping portals:  Some airlines and credit card companies have online shopping portals that offer bonus points for making purchases through their platforms.

Accumulating travel points requires responsible financial management, including paying off credit card balances in full each month to avoid interest charges . Additionally, check for any annual fees associated with travel rewards credit cards and ensure that the benefits outweigh the costs.

How to redeem travel points

Travel rewards credit cards may offer several redemption options, from flights or hotels to vacation packages or statement credits. When booking through a rewards portal, people typically have the option to pay with points or a combination of points and cash.

The redemption process may vary slightly depending on the specific travel rewards program or credit card. Always read the terms and conditions of the rewards program and credit card to understand any restrictions, blackout dates, and expiration policies associated with the points.

Learn how to redeem rewards .

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Rent a Car in Moscow and other Russian Cities

Driving in Russia is very cheap: the petrol costs only about 60 ¢ per liter (€2 per gallon), the infrastructure is relatively good, and there's almost no road toll charges, so it's a great way to explore the country, especially if you're two or more.

In order to rent a car in Russia you just need your driving license (the plastic card one), a credit card, and your passport — no extra paperwork is needed (you don't even need a translation).

The insurance excess and security deposits are usually limited to about €200, and the daily rent is about €20 for a standard car and €30 for an SUV. We've partnered with the two biggest car rental aggregators, so you can use the form below to find the best car rental deals for Moscow, St. Petersburg and other Russian cities from major local and international providers, such as Hertz, Europcar, Avis and others.

Option #1: RentalCars.Com

Option #2: cartrawler.

Use this aggregator if you're renting a car for a longer period — two weeks and more — or if you're renting a car in Siberia.

Option #3: Car Sharing

Russia car rental faq.

Delimobil car sharing in Moscow

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  • Help & Support

With the Post Office travel app you can manage your Travel Money Card, access your travel insurance policy and book holiday extras on the move.

Here you’ll find help topics for both the app and the services it brings together.

New-look travel app out now

Our revamped travel app’s out now. It makes buying, topping up and managing Travel Money Cards with up to 22 currencies a breeze. Buying and accessing Travel Insurance on the move effortless. And it puts holiday extras like airport hotels, lounge access and more at your fingertips. All with an improved user experience. Find out what’s changed below.

  • Our new app
  • Travel Insurance

What's changing and why

Why are we changing the travel app.

Our original travel app was built on a platform that’s no longer able to scale to support the volume of users we experience. 

By building a new app, we can also keep up to date with the mobile technology our customers use, which the older platform can’t do.  

What are the benefits of the new app?

The new-look travel app offers improved performance across all devices, and a platform we can grow and improve continuously in the future. That means an experience that keeps getting better for its users. 

This update also makes sure our app remains current with mobile technologies and what they make possible.  

Updating to the new app

Can i use my old travel app login.

If you have the previous version of the travel app installed and update to the new version, your login details will remain the same. 

However, for security, you’ll need to reverify the email address you signed up with. You’ll also need to set up a new passcode and/or biometric login, which will involve confirming some personal details. 

Can I view my existing Travel Money Cards?

If you’ve already bought a Travel Money Card through the previous app or in a branch, you can link it to the new app and keep using it. Currencies you’ve loaded using the app will still be available in the new one.  

Can I view my existing Travel Insurance policy?

If you’ve previously bought a Post Office Travel Insurance policy and linked to it in the previous app, you can link to it from the home page of the new app too. You’ll then see the policy listed in the new app’s Travel Insurance tab. 

When can I update to the new travel app on my device?

We’re migrating users of the existing travel app first. If you’re one of them and your device has auto updates turned on, the new travel app should install to it automatically. If you’re a new user and have an iOS device, you can download our app from the App Store now . It will be available to download in app stores for Android devices once we’ve finished migrating existing users.

Travel Money Card in the new app

Are the same currencies available.

All currencies available in the previous version of the travel app can be topped up and swapped in the new and improved version. 

Can I buy new Travel Money Cards in the app?

You can still order new cards within the new version of the travel app. 

Can I add my Travel Money Card to Apple Pay?

Yes, you can add your Travel Money Cards to your Apple Pay account in the new app just as you could in the previous version. 

Can I add my Travel Money Card to Google Wallet?

Sorry, not just yet. The updated app won’t support Google Wallet at launch. But we’re working on it. 

Why can I only see my last 20 transactions?

You’ll see a summary of your last 20 transactions displayed on the Travel Money Card page. To see more, press the ‘View all’ button at the bottom of the screen to show all previous transactions. 

Can I upgrade to the new app while I’m abroad?

If your device is set to download from your UK app store, you should be able to download the new app while abroad. You’ll need access to Wi-Fi or mobile data. Please note, using mobile data abroad can come with high charges.

If you can’t download the app, you can register any Travel Money Cards or Travel Insurance policies you have with us in your online account instead. Then you can download the new app when you get home and link it to your account. Your cards and/or policies should then appear within it.

Register a Travel Money Card Register your Travel Insurance  

Features in the works

Where is the atm finder.

We’ve removed the ATM finder feature from the new app for its initial launch. We’re want to make sure it provides the right experience before it goes live. 

Where is the branch finder?

The branch finder feature has been removed from the initial launch version of the new app. We’re want to make sure it provides the right experience before it goes live. 

Where is the currency converter?

We’ve removed the currency converter finder feature from the new app for its initial launch. We’re want to make sure it provides the right experience before it goes live. 

Can I download app on an iPad or Android tablet?

No, sorry. At launch the new travel app will only be available on smartphone devices, not tablets. 

Other app questions

Can i use biometric login.

The new travel app continues to support biometric login. If you use an iOS device, you can use Touch ID and Face ID to access it. On Android devices, you can log in using fingerprint authentication. 

Why does the app want to know my location?

Location data will be used when the ATM and branch finder features are added later.  

You’re free to decline location permissions, or withdraw these at any time, without restricting the use of any features in the launch version of the app. 

Will the travel app have Welsh language support like the Identity apps?

There are no plans for Welsh language to be added to the app currently. 

How can I request my personal data be deleted?

Please let us know using our general enquiries form  

Download the app

The Post Office travel app is free to download to both Apple and Android devices. Get it from your store of choice and start using it today. 

Post Office travel app

Download now from your device’s app store: 

Need more help with our travel products?

Travel money card help.

To read all Travel Money Card FAQs, manage your card online or contact us about using it: 

Visit our Travel Money Card support page

Travel Insurance help

For emergency medical assistance, answers to more travel insurance questions, to make a claim, complaint or manage your policy online: 

Visit our travel insurance support page

Holiday extras help

Get help with travel extras booked online through Post Office 

Visit our holiday extras support page

New Travel Money Cards

How can i order my card.

You can get hold on a Travel Money Card in three ways. Each is very simple. 

  • In our travel app: order and store up to three Travel Money Cards in the Post Office travel app . Delivery will take 2-3 days 
  • Online:  follow our application process  to order your card online. Your card will take 2-3 days to be delivered. Once it arrives you can link it to our travel app to manage on the go 
  • In branch: simply  find a nearby Post Office branch  and pop in to get your Travel Money Card there. Please remember to take a valid passport, UK driving licence or a valid EEA card to obtain your card, and you can take it away the same day 

Please note, you must be a UK resident over the age of 18 to obtain a Travel Monday Card. 

Whichever way you choose to order your card, don't forget to activate it once it arrives. Full details of how to activate your card will be provided in your welcome letter, to which your card will be attached if it’s been sent in the post. 

How long will my card take to arrive?

Whether you order your card in the app or on our website, it will be delivered to your home address in two to three working days.  

If you need a card in a shorter time, please check with your local Post Office branch. Exchange rates vary between online and branch. 

Currency questions

What currencies can i load onto my card.

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.  

We recommend topping up with the currency of the country you're travelling to, rather than in pounds sterling (GBP).  

The currencies available are:  

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 krone   GBP – pound sterling   HKD – Hong Kong dollar   HUF – Hungarian forint   JPY – Japanese yen   NOK – Norwegian krone   NZD – New Zealand dollar   PLN – Polish zloty   SAR – Saudi riyal   SEK – Swedish Krona   SGD – Singapore dollar   THB – Thai baht   TRY – Turkish lira   ZAR – South African rand 

How do I top up my Travel Money Card?

There are a few ways you can top up your card – either in branch, online or in our travel app. 

In the app, just click ‘Cards’ in the navigation bar at the bottom. This will take you to your Travel Money Card summary page, where you can see all the cards you’ve linked.  

Tap ‘View card activity’ on the card you want to top up. This will take you to a screen for that specific card, showing all currencies you have loaded onto it.  

To quickly top up a currency that’s already loaded, click the plus (+) sign next to the currency and enter the amount you wish to top up (minimum amount £50).  

You can also select the plus (+) sign by ‘Top up’ and choose an amount to top up with before selecting which of the 22 currencies to apply the top-up to.  

Tap ‘Continue’ to see your order summary, where you can amend your order if needed or continue to payment.  

If it’s your first top up, you’ll need to enter your payment card details on the next screen (‘Payment card’). 

I have money left on my card. What do I do?

You have 4 options: 

  • Leave the money on your card for your next holiday 
  • Visit any Post Office branch and withdraw the balance over the counter in Sterling. There’s a daily withdrawal limit of £300 per day 
  • Spend your money in the UK as normal. We’ll move the money to Sterling every time you pay for something. Anything you don’t spend stays in the currency you have on the card. No fees apply, we just use the day’s exchange rate 
  • Call us to ask for a refund. Please note that you’ll get a better exchange rate by spending on your card or withdrawing cash from a Post Office branch 

Using and managing your card

What do i do if my card is lost or stolen.

You need to call us immediately on +44 (0) 20 7937 0280 . We’re here 24 hours a day.   

We’ll cancel your card and work out the best way to replace it. A fee may be charged if we need to courier a replacement card overseas. 

If you think you have misplaced your card and want peace of mind, you can freeze spend on your card using the Post Office travel app, available on the  App Store  and  Google Play . You can unfreeze just as easily if you find your card again. 

How do I get or change my PIN?

The easiest way to get your PIN is in the app. With it you can check your PIN wherever you are in the world. 

Alternatively, you can call our automated line on +44 (0)20 7937 0280 and select Option 1. Your change of PIN can only be done at UK ATMs that accept Mastercard and offer the PIN change facility.

Where can I use my card?

Your card is accepted at 2.1. million ATMs and in 36 million retail outlets around the world – wherever you see the Mastercard logo. 

Please remember if you use the card in a currency other than the 22, we offer you will be charged a 3% cross boarder fee. 

Can I withdraw money from ATMs?

Yes, you can. You can use any ATM that accepts Mastercard. Fees will apply for every cash withdrawal. These fees are detailed online or on your welcome letter.  

Please be aware some ATMs may also charge you and this should always be displayed on the ATM screen. We always recommend you withdraw cash in local currency and don’t choose to pay in Sterling or accept their currency conversion. 

How do I delete my account?

Please contact our customer support team if you’d like to delete your Post Office travel account. Call +44 (0)20 7937 0280 any time, 24/7. 

About travel insurance

Why is travel insurance important.

Travel insurance is an important purchase for anyone going abroad for their holidays. 

Even in relatively safe locations such as central Europe, a myriad of things can go wrong. Flights can be delayed. Airlines can lose your luggage. Thieves often operate in tourist areas. And you could eat something that disagrees with you anywhere in the world. 

We hope none of these events happen to you. But, if they do, you could be out of pocket – and with emergency medical problems it could be by tens or even hundreds of thousands of pounds. 

Travel insurance may be able to help protect you against some of this risk. It’s a way to insure travel for you, those travelling with you and your belongings. 

If your luggage is lost, holiday insurance may not be able to replace it, but the payout from a claim can help recover any costs that you have had to pay to get temporary alternatives. 

In particular, the medical cover outside of the EU offered by insurance is a necessity. 

Within the EU, meanwhile, you may think an Ehic, or its replacement the Ghic, can cover all your medical needs. This isn’t true. Some of the most expensive medical services, such as repatriation, aren’t covered by the Ehic or Ghic. They’re limited to health cover and won’t help with things like cancellation, loss or theft.  

Even if you’re staying in the UK for your break, having holiday insurance will provide cover for lost, damaged or stolen possessions such as baggage, and cancellation, cutting your trip short or delay to your trip in some circumstances. 

What does travel insurance cover?

Post Office Travel Insurance can cover you for a single trip of up to 365 days*, or multiple trips** in a single year, anywhere in the UK or abroad. We also offer backpacker cover> for a single trip of up to 18 months. 

The type and level of cover provided depends on the policy type and options you choose, but can include cover for cancellation, cutting your trip short and abandonment of your trip, emergency medical expenses, lost, stolen or damaged baggage, lost, stolen or damaged passports or personal money, personal accidents and liability, legal protection. 

Optional additional cover available includes Covid-19 Cover upgrade, Gadget Cover, Sport and Activities Cover (including golf), Trip Disruption Cover (including Terrorism), Natural Catastrophe and Air Space Disruption) and Excess Waiver, plus 31-, 45- or 60-day trip extensions (on Annual Multi-trip policies only). 

Winter Sports Cover is compulsory for winter sports trips and Cruise Cover is compulsory if you’re going on a cruise. It’s important to check the different travel insurances available, and their various options and add-ons, to ensure you’ll be sufficiently covered for your trip and all you’ll do on it. 

* For Economy, Standard and Premier policies, the Singe trip policy will cover you for one trip up to: 

365 days for persons aged up to and including age 70 

90 days for persons aged between 71 and 75 

31 days for persons aged between 76 and above 

**For Economy, Standard and Premier policies under Annual Multi-trip policy although you can take as many trips as you want within the policy year, there is a maximum duration for each individual trip. This limit varies depending on the cover level chosen and will be 17 or 31 days. On some policies the limit can be extended to 31, 45 or 60 days for an additional premium.  

> Backpacker policies only available on the Economy level of cover 

Emergencies and claims

I’m on my trip and need emergency medical assistance. what should i do.

Call our emergency medical assistance line any time, 24/7.  

0208 865 3074 

How do I make claim on my travel insurance?

For non-emergency claims, the quickest and easiest way to submit a claim is online. 

There’s no need to send or wait for documents in the post. Just upload them instead. And you can save your progress if you don’t have all the information you need, then return to complete your claim later. 

For some claims you could get an instant decision. 

Visit our claims page 

Manage your policy and options

How do i renew or cancel the renewal of my travel insurance policy.

When you buy an annual multi-trip policy, it can be renewed automatically or manually. Or, if you prefer it doesn’t renew, you can turn off the auto-renewal.  

Whatever your choice, we’ll write to you around 28 days before the date your current policy is due to end. We’ll detail any changes we’ll make should you wish to renew the policy and give you a quote for the next year’s cover. 

Automatic renewal:  when you buy a multi-trip policy, it will be set up to automatically renew at the end of its term. If you want to opt out of this renewal, you can do so when making your purchase or at any time during the policy. Equally, if you don’t select auto renewal upfront you can turn it on later by calling our contact centre. 

Manual renewal:  if you’ve opted out of auto renewal, you can opt in manually later, such as when we send your renewal reminder or by calling our contact centre to set this up. It’s easy to renew through your online account or by calling our contact centre. If you miss the renewal date, you can still take out a new policy later. You’ll need to start a new quote, as the renewal quote is only valid until your current policy’s expiry date. This may also mean a gap in your cover until the new policy starts. 

Turning off auto-renewal:  if your existing policy is set to renew automatically but you change your mind later, simply turn it off at any point during the policy’s life, either in the app, in your online account or by calling our contact centre team.  

If you’re within the last 8 days of your policy, you’ll need to call our contact centre to do so. The later you do this the greater the chance a renewal payment will be taken by the bank. If this happens before your renewal cancellation is processed, we’ll make sure your payment is refunded. 

My policy includes flight delay assistance. How do I register a flight?

If you bought a Post Office Travel Insurance policy with our Premier level of cover, which includes flight delay assistance , you should have received an email from us with details of how to register for this service. 

If you can’t find the email or you arranged your policy in a Post Office branch or don't have an email address, all the information you need will be in your policy confirmation pack. You can only register your flight via the special link provided to you.  

  • Read all travel insurance FAQs

How can I claim my account balance?

Your POca account is now closed and you should have received a letter notifying you of the date your account closed. From that date you will no longer be able to access your account either in branches or via ATMs. 

Until the 30th November you (or third parties) can access balances on closed accounts by completing and returning either an account closure form P6703 or a third party closure form P6702 via your local branch. The form provides the option to transfer your balance to a bank or building society account or you can choose to have a cheque sent to you.  If you have been moved to the imovo voucher service and do not have an account to transfer your balance into, you can speak to the POca contact centre on 03457 22 33 44 and they will be able to discuss other options that are available to you.  

From 1 December 2022 Post Office Limited will no longer offer any services relating to Post Office card account and closed accounts will be managed by J. P. Morgan Europe Limited.  A new customer service helpline will be provided from this date and full details of how to contact J.P.Morgan Europe Limited from 1 December will be provided on this page nearer the time.

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Moscow Post Office

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Moscow Post Office Contact Information

Address, Phone Number, and Business Hours for Moscow Post Office.

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COMMENTS

  1. 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 ...

  2. 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.

  3. 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.

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

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

  5. Travel Money Card

    Before leaving the UK, make sure you have activated your Travel Money Card. Activation can be done through the free Post Office Travel app - download now from the Apple App Store or Google Play. The app allows you to top up, track spend, view balances and freeze spend. Activation can also be done by calling our automated line on +44 (0) 20 ...

  6. Currensea vs Post Office review

    The Essential plan is free to use, the Premium plan is £25 per year and the Elite plan is £120 per year. The Essential Plan charges 0.5% FX per transaction, whereas the Premium and Elite plan incur no fees. The Elite plan also includes a host of exclusive benefits and memberships, as well as the exclusive Currensea black card.

  7. 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 ...

  8. 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 ...

  9. Caxton Currency Card or Post Office Travel Card

    However, unlike the Caxton Currency Card, these withdrawals are subject to a fee from the Post Office. You can manage your card online or via the Post Office app, which is available on both Android and iOS. <br> <br> One of the benefits of the Post Office travel money card is that it offers fee-free purchases, as long as you're carrying a ...

  10. 5 Reasons To Use The An Post Money Currency Card When You Travel

    There are many more benefits to using an An Post Money Currency Card - here are my top five. 1. Zero commission and no transaction fees when you spend abroad. the_travel_expert. Times Square, New York City. View profile. the_travel_expert. 1,427 posts · 71K followers. View more on Instagram.

  11. What is a prepaid currency 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 ...

  12. Best prepaid travel money cards

    The Post Office Travel Money Card can load the most currencies, however, charges apply for cash withdrawals at an ATM - so if you're planning on doing this during your holiday, you might be better off with a different card. Sainsbury's, Travelex and Asda had similar offers with free ATM withdrawals and £500 limits.

  13. The 6 Best Travel Money Cards for Overseas 2024

    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.

  14. Compare Currency Cards

    The Post Office Travel Money Card is a very well-rounded product that enables you to use & spend your international currency easily and safely. The card lets you load between £50 and £5,000 in 13 different currencies, which can be withdrawn from over 200 countries & is supported by a great online app to help you organize your finances.

  15. 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.

  16. 4 ways travel credit cards can really save you big on your next ...

    4 ways travel credit cards can really save you big on your next vacation. A travel credit card is a generic term that applies to a type of credit card that offers travel rewards. There are many ...

  17. How To Choose A Travel Credit Card

    Choose a travel credit card based on its perks, bonus categories and annual fee, ensuring it aligns with your financial and travel habits and future goals. 1. Consider Your Credit Score and ...

  18. A Guide to Travel Points on Credit Cards

    Potential pros and cons of travel points. Some benefits of travel points may be: Free or discounted travel expenses: Travel points may be redeemed for complimentary or discounted flights, hotel stays, and even upgrades, allowing for cost savings on travel expenses. Travel perks: Some travel rewards cards provide access to airline or hotel loyalty program benefits, such as priority boarding ...

  19. United States Postal Service, 704 S Deakin St, Moscow, ID

    Visit your local Post Office™ at 704 S Deakin St! The U.S. Postal Service® (USPS®) is the only organization in the country to regularly deliver to every residential and business address. USPS is actively recruiting for many positions, including: mail and package delivery (city and rural); truck driving (delivery truck and tractor trailer ...

  20. Travel Money

    Win £5000 with Post Office Travel Money Card. A chance to win £5000 when you top up a new or existing Travel Money Card*. Offer ends 12 May. Top up now. Order now. *Exclusive to travel money cards. Promotion runs 4 March to 12 May 2024. 1 x £5,000 prize available to be won each week. Minimum equivalent spend of £50 applies.

  21. Rent a Car in Moscow and other Russian Cities

    The major providers are Delimobil (has parking in all Moscow airports), YouDrive, Belka Car and Yandex Drive. The price is much lower than in Europe: from about €0.10 per minute of driving and €0.03 per minute of parking. Some providers, such as Delimobil, have daily deals: you can rent a car for the whole day (24 hours) for 2500 R (~€30).

  22. Moscow Township 49257

    Hillsdale County, Michigan. photo by. Moscow Township Population: 2000 (1445) 1990 (1353) Change (92) Moscow an unincorporated village consisting of just a few buildings has a branch of the Kalamazoo River flowing through and is located on busy US-12 which follows the meanderings of the The Old Sauk Trail the stages used to travel from Detroit ...

  23. Travel App

    New-look travel app out now. Our revamped travel app's out now. It makes buying, topping up and managing Travel Money Cards with up to 22 currencies a breeze. Buying and accessing Travel Insurance on the move effortless. And it puts holiday extras like airport hotels, lounge access and more at your fingertips. All with an improved user ...

  24. Moscow Post Office Hours and Phone Number

    Address, Phone Number, and Business Hours for Moscow Post Office. Name Moscow Post Office Address 90 4th Avenue Moscow, Tennessee, 38057 Phone 901-877-3433