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Help and support Travel Money Card

Manage and top up your Travel Money Card account online. Find the answers to the most frequently asked questions. Or get in touch with our travel team if you still need to.

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 .

Common Travel Money Card questions

  • Before you go
  • Currency questions
  • While you’re away
  • Lost cards and leftover funds

Do I have to pass a credit check to purchase a Travel Money Card?

No. We’ll carry out an electronic address verification check based on the information you provide. This will be stored but will not affect any credit rating.

How long will my card take to arrive?

If you order your card online it will be delivered to your home address in two to three working days. If you require a card in a shorter time please check with your local Post Office branch. Exchange rates vary between online and branch.

What do I need to do before I travel?

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 7937 0280. Full details can be found on the letter that comes attached to you your card.

How do I get my PIN / Change my PIN?

To get your PIN, download the free Post Office Travel app from the App Store or Google Play , create an account and 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 ATM’s that accept Mastercard and offer the PIN change facility.

Which currencies can I load on my card?

You can load any of the following currencies on to your card. The card can hold up to 22 currencies at once, but they can only be loaded one at a time:

Euro, US dollars, Australian dollars, Canadian dollars, New Zealand dollars, Thai baht, UAE dirham, Turkish lira, South African rand, Swiss francs, Polish zloty, pounds Sterling, Chinese yuan, Czech koruna, Danish kroner, Hong Kong dollar, Hungarian forint, Japanese yen, Norwegian krone, Saudi riyal, Singapore dollar or Swedish krona.

Which currency should I load?

We recommend that you load the currency of the country that you’re travelling to. If we don’t offer that currency we recommend that you load pounds Sterling on to your card.

Should I pay in Sterling if given the choice while abroad?

We recommend that you always pay in the local currency and not Sterling. This will prevent high fees and very poor exchange rates being applied at an ATM or retailer. This is known as Dynamic Currency Conversion (DCC) . We include information about DCC in every card pack.

Using your card abroad

Where can i use my card.

Your card can be used wherever Mastercard is accepted.

Is there anywhere that my card won’t work?

We have to authorise your card immediately which means a small number of locations may not be able to take your card. This includes unmanned petrol pumps, toll booths and on board cruise ships or aeroplanes.

Anywhere I shouldn’t use my card?

We recommend that your card is not used to pay deposits on car hire or used when checking in to hotels that require a deposit. Both of these could lead to funds being held by the retailer, which would prevent you from using them.

Can I withdraw money from ATMs?

Yes you can. You can use any ATM that’s accepts Mastercard. Fees will apply for every cash withdrawal. These fees are detailed online or on your welcome letter. Please be aware that some ATMs may also charge you and this should always be displayed on the ATM screen. We always recommend that you withdraw cash in local currency and don’t choose to pay in Sterling or accept their currency conversion.

Topping up and managing currencies

How can i top up my card with more money.

The easiest way is via our mobile app, which is available to download from the App Store or on Google Play .

You can also top up via our website if you’ve created an account. And you can ask friends or family to top up on your behalf in any UK Post Office branch, too. All they need is your card number.

Can I top up with a different currency to the one I loaded in the first place?

Yes, you can. Our multi-currency card allows you to load any of the 22 currencies we offer.

Do I have to move money from one currency to another?

No, you don’t have to move money. If you have money in one currency and spend in a different currency we’ll automatically move this for you to authorise a transaction. Alternatively, you can move the funds using the "Transfer" icon on the free Post Office Travel app ( App Store , Google Play ) or "Transfer to another wallet" icon if managing your account online .

How can I track my balance?

The easiest way is to use our mobile app. This shows clearly what your remaining balance is in each currency. We do not recommend the use of ATMs to check your balance as they will provide a GBP figure using a different exchange rate. Remember, your balance is held in each currency so is not affected by exchange rates unless you change it to other currencies.

Download the Post Office Travel app from the Apple App Store or Google Play .

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.

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

You have 4 options available to you:

  • 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 is a daily withdrawal limit of £300 per day
  • Spend your money in the UK as normal. We will 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 will get a better exchange rate by spending on your card or withdrawing cash from a Post Office branch
  • Other sections:

Manage your card with our app

Order, top up and view the balance of your Travel Money Card, and transfer leftover currency funds to a new currency of your choice.

Post Office Travel app

Download our free app for your mobile device:

Lost or stolen cards

If your card’s been lost or stolen, we’re here to help. Lines open 24 hours a day, 7 days a week

Call us 24/7

Please call our Travel Money card team immediately on: 0207 937 0280

We’ll cancel your card and work out the best way to replace it.

Contact us about using your card

Need help managing your Travel Money Card and transactions and can't find the answer you need in our FAQs above or self-service tools? Our team's here for you.

Transactions and managing your card

For enquiries about transactions or managing your card online or via the app, call: 0207 937 0280

Manage your card online

Log into your online account top up your Travel Money Card, view your transactions and more all in one place.

Top up with currencies, check recent transactions, freeze your card and more online.

Contact Post Office about in-branch services

If you have a question, feedback or a complaint about services provided in Post Office branches, including getting a Travel Money Card there, here's how to get in touch with us.

Send us a message

Please complete our enquiries form to tell us what you’d like to know or share feedback on your experience.

Make a complaint

If you’re not happy with your Post Office experience, please let us know and we’ll do our best to put things right.

Post Office Travel 4+

Travel money card & insurance, post office limited.

  • #73 in Travel
  • 4.6 • 7.6K Ratings

Screenshots

Description.

Buy, add, and manage your Travel Money Cards, travel insurance, holiday extras and more all in one place. Take the new-look Post Office travel app on your adventures today.  Combining all the travel features our loyal app users love, this refreshed version’s now cleaner and simpler to use. So, it’s even easier to relax on your travels.  Do all this on the move   Manage your Post Office Travel Money Cards  · Buy and activate new cards in the app   · Add existing Travel Money Cards   · Top up with any of 22 currencies, including US dollars and euros  · Swap funds between different currencies   · Check your PIN, balance, spending, and daily exchange rates  · Freeze your card for security or to limit your spending  · Add your cards to your Apple Wallet   Buy and check your travel insurance  · Get a quote and buy cover – plus any add-ons to tailor it to your trip  · Link the app to your existing Post Office Travel Insurance policy  · View and download your policy documents  Get those holiday extras sorted  · Book parking at 60 UK domestic airports  · Find great deals on airport hotels  · Check into lounges at 100+ airports  · Fast track your security checks at 11 UK airports  · Book airport transfers to your holiday accommodation  · Hire a car with leading brands in over 60,000 locations  What to do now  Download the Post Office travel app today. Order or link your existing Travel Money Card and Travel Insurance policy.  Or order a Travel Money Card at your nearest Post Office branch. 

Version iOS App version 461.2

Bug fixes and performance improvements, all to make your experience the best that it can be. Recent updates include fixes to Apple Wallet, sign up and login journeys.

Ratings and Reviews

7.6K Ratings

Post office travel application

Now, the post office application has been very useful, as one can top up money whilst travelling as well as check ones balance on the travel money card. In conclusion, lastly, I found the travel money card particularly useful on 16th November 2019, evening time as one can search for useful tips and questions that one maybe concerned about before travelling, during and after travel, and for me, I found this application extremely useful, as there was information I needed to know before my travel, such as the currency of the country I am travelling to, and where to obtain the currency of the country I am travelling to shortly. Moreover, I thank the developers for making this useful, and appropriate travel application as I believe it is a safe as well as secure method of travelling with money, to the country of ones choice instead of carrying loads of cash around in different currencies, and risking theft issues or lost issues. Also, I found the help and advice section on the website useful, as I had forgotten my PIN number as I never used my travel money card for a while, and I was able to call up a number from the travel money website, and follow the on phone instructions to retrieve my PIN number once again. Next, thank you developers for making this travel application once again. Many thanks Hannah Boyce

Developer Response ,

Thanks very much for the fantastic feedback, glad you like the app and the product.

Dreadful new App not working for 3 days now

Rang customer services 3 days ago now as newly downloaded App top up button gives an error that it can’t fetch the rates right now so have to go on main website to do that. Then when you use the card it doesn’t update the balance. It retrieve the pin either. The card was then unsupported in an ATM when I tried doing a balance enquiry. Different information from service staff who told me I needed to load another £50 minimum on card and buy something using chip and pin to use card for for first time. However that’s £3 commission just to load on £50 of your own money ! I don’t even need sterling on the card as the whole point is for using it abroad to TRAVEL!! So I had already bought Euros. The lady in the post office said I can’t use the card at all for online purchases however I managed to pay for my holiday eventually over the phone in euros once they had removed the security 3 times! A smarter assistant also said I don’t need to add sterling to buy something in U.K. - the euros will auto convert- which they did. Still stuck with a non working app and took 3 hours to finally get the card loaded and working to pay for holiday. Agh. Why so complicated
Thank you for your feedback. This will be shared with our development teams who are committed to improving the app experience for all.

Thank You Post Office

Local main clearing bank closed its branch. Called into the post office for some euro as the rate was in line and it was convenient accessible and handy and I was in a hurry. The staff were friendly, practical, product knowledgeable and the advice, service and overall helpfulness was first rate. I’m currently overseas and have used my card without problem; I have topped up using the app, again with no apparent problem. I don’t have the worry of carrying a lot of cash or suffering retailer ripoff rate charges. So overall a great service. Thank you Post Office, Boroughbridge, North Yorkshire. PS. I’m an older less tech savvy person so I would recommend this travel aide to all ages.
Thanks very much for your review. Hope you had an amazing break

App Privacy

The developer, Post Office Limited , indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

Information

  • App Support
  • Privacy Policy

travel money po

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Post Office Travel Card review

Claire Millard

The Post Office Travel Card is a prepaid travel card you can load in cash or online, to switch to the currency you need for spending and withdrawals. It’s not linked to your regular bank account, and can be managed from your smartphone, for secure spending across 23 currencies.

Before you order a Post Office Travel Card check out this full review - we’ll look at what the card can do , how to order your card and how much it’ll cost .

And to help you compare we’ll also touch on Post Office Travel Card alternatives like Wise and Starling, which may offer cheaper and more flexible options for taking travel money abroad.

travel money po

TL;DR - it's a solid prepaid card

  • The card supports most major currencies for holidays, including Euros (Europe), Lira (Turkey) and UAE Dirhams (Dubai)
  • Several top-up methods , with the option of doing so online or in-store
  • Only convert what you want to spend; good for holiday budgeting

However, there are some downsides.

  • There are better exchange rates available with other travel cards
  • You'll get a worse exchange rate (a.k.a "buy-back rates") when converting leftover foreign currency to pounds

Find out more about the card on the Post Office website or click the button below to purchase a card. Order a card

Not sure yet? Continue reading to decide whether this is the right prepaid card for you.

What's in this guide?

What is the post office travel money card, how does it work.

  • Fees & limits

How do I get a Post Office Travel Money Card?

What happens when the card expires, what are the alternatives.

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, although other transaction fees do apply depending on how you use the account.

Use your Post Office card to buy travel money before you head off on holiday, or top up as you go online.

As pictured, you can also manage, view and freeze your card in the Post Office app for security.

travel money po

  • Top up your card in cash at a Post Office or online by purchasing one of 23 different currencies
  • If you choose to top up in GBP and convert later, you’ll be charged an administration fee of 1.5%, from a minimum of 3 GBP up to a maximum of 50 GBP
  • Exchange rates are shown in the Post Office app, and may include a markup on the market exchange rate - but rates often improve if you top up more
  • It’s free to spend currencies you hold. You can also spend unsupported currencies, but a foreign transaction fee of 3% will apply

It’s worth noting that the Post Office exchange rates are shown in the Post Office app before you convert your funds. They may include a markup, which is an extra fee added into the rate applied to switch to the currency you need.

Another thing worth noting is that the exchange rate gets better for higher top up amounts - meaning you’ll pay a smaller markup the more you add to your card.

Using a markup is pretty common but does make it tricky to see what you’re really paying for your foreign currency transactions.

Spending limits and card fees

Before you order a Post Office Travel Card it’s good to know a bit about the fees and limits that apply to card usage.

When you transact with your Post Office Travel Money Card, there are also fees to pay.

While these do vary slightly by currency, they’re roughly similar.

It’s easy to get your Post Office Travel Card online or in person by calling into a Post Office near you. Here’s what you’ll need to do.

  • Head to the Post Office website
  • Select "Order Your Card >"
  • Top up in your preferred currency - there’s a minimum top up of 50 GBP, through to a maximum of 5,000 GBP
  • Input personal details following the prompts
  • Delivery of your card will take 2-3 days by post
  • Head to your local Post Office branch
  • Show a valid form of ID (driving licence, passport or EEA ID card)
  • Apply in branch and load your card

The expiry date for your card will be printed on the back of the card - usually it’s valid for 3 years from the point you order it.

Once your card has expired you’ll pay a monthly inactivity fee of £2 per month if you don’t redeem your balance within 12 months of the card expiring. This fee continues until there’s no remaining balance, at which point your account will be closed.

travel money po

If you’re not sure whether the Post Office Card is right for you, check out a few alternatives to see which gives you the best balance of cost and convenience.

The Wise card allows you to hold and exchange 50+ currencies, and spend in 170+ countries. It's a fully-fledged debit card, meaning it works at home just as well as it does abroad.

There’s no markup on the exchange rate, and they are super transparent about the fees (usually around 0.4% for foreign spending) they'll charge you.

travel money po

Starling card

The Starling debit card is a good option for international spending as there are no foreign transaction fees and no ATM fees .

You can sign up entirely online for an account with no monthly fees which you can manage from your phone, with instant notifications and a whole range of banking features. Get a Starling Card

travel money po

Frequently Asked Questions

Post Office is a trusted institution and will keep customer funds safe according to all applicable legal requirements.

When it comes to travel money, the Post Office works in partnership with First Rate Exchange Services, which is a registered business and holds a Money Services Business License in the UK.

You can hold up to 23 different currencies:

  • Australian dollars
  • Canadian dollars
  • New Zealand dollars
  • Croatian kuna
  • Turkish lira
  • South African rand
  • Swiss francs
  • Polish zloty
  • Pounds sterling
  • Chinese yuan
  • Czech koruna
  • Danish kroner
  • Hong Kong dollars
  • Hungarian forint
  • Japanese yen
  • Norwegian krone
  • Saudi riyal
  • Singapore dollar
  • Swedish kronor
  • United States
  • United Kingdom

Travel money guide

Compare fees, convenience, rewards and more between three key payment methods..

Avatar

Traveling overseas involves a lot of planning — and that includes your money.

What is travel money?

Travel money, for lack of a better term, essentially means the options of credit cards, debit cards, prepaid cards and foreign currency — all designed for travel and foreign transactions. Each form of travel money has different pros and cons, so you’ll want to compare and contrast before choosing which’ll be best for you and your itinerary.

Compare travel money options

Compare the fees, convenience, rewards and more between prepaid travel cards, credit cards, debit cards and foreign currency while planning how you’re going to pay for food, souvenirs and other goods on your next trip.

How to decide which type of travel money is best for you?

Prepaid travel cards, credit cards and debit cards can all be effective ways to pay while you’re traveling. In fact, a combination of the three might be the safest and most convenient way to have all your bases covered. But the travel money you should embrace as your primary payment method depends on your situation:

Pick a credit card if…

  • You travel frequently and want to earn rewards. Whether you’re a hotel fiend, a frequent flyer or just love earning cash back, a travel credit card can be the gift that keeps on giving — as long as you keep spending. Just make sure you have a plan for paying your balance in time.
  • You want a safety net in case of emergencies. Even if it isn’t your primary payment method, keeping a travel credit card in your back pocket can help cover any unexpected expenses.

Pick a prepaid travel card if…

  • You’re on a strict budget. A prepaid travel card can help ensure you don’t overspend, since you can only spend what you’ve already loaded onto the card.
  • You want to lock in an exchange rate. Avoid unpleasant surprises by knowing exactly how much your US dollars are worth from the get-go.

Pick a debit card if…

  • You plan on frequenting ATMs. If you like the feeling of cold, hard cash in your hands — or will be shopping at markets that only accept cash — you should consider a travel debit card that comes with zero ATM fees.
  • You want direct access to your checking account. A travel debit card can be more convenient than a prepaid travel card, since you don’t need to preload money. It’s also ideal if you want to avoid racking up a credit card bill.

Travel credit cards

Browse travel credit cards to find an option with perks that match your travel style — just make sure you have a plan to pay it off.

  • Access to credit. Credit access comes in handy for emergencies.
  • Rewards. Earning cash back lets you have something to look forward to when you come home.
  • Extras. Some cards come with complimentary travel insurance, purchase protection and concierge services.
  • Availability. Some travel credit cards are banned in countries like Cuba, Iran, Myanmar, North Korea, Sudan and Syria due to economic sanctions.
  • Lack of access to cash. You could be charged with hefty fees for using a travel credit card when you withdraw cash at an ATM.
  • Inactivity fee. Some card issuers will charge you a monthly fee if you don’t use the prepaid card frequently enough.

50+ currencies supported

Wise Multi-currency logo

  • 4.33% APY on USD balances
  • $0 signup or subscription fees
  • Withdraw $100 per month for free from ATMs worldwide
  • Send, spend and withdraw 50+ currencies at the live rate
  • Freeze and unfreeze your card instantly

Join to save up to 10% on hotels

SoFi Checking and Savings logo

  • 0.50% APY on checking balance
  • Up to 4.60% APY on savings
  • $0 account or overdraft fees
  • Get a $300 bonus with direct deposits of $5,000 or more

Travel rewards with no annual fee

Capital One VentureOne Rewards Credit Card logo

  • 20,000 miles (equal to $200 in travel) after spending $500 in the first 3 months
  • Earn unlimited 1.25x miles on all purchases
  • Low intro rates on purchases and balance transfers

Prepaid travel money cards

Prepaid travel money cards are great for budgeting, since you can only spend what’s already on the card — but that could actually be a drawback in the event of an emergency.

  • Lock in exchange rates. These cares allow you to lock in rates so you won’t be surprised by the fluctuating value of your US dollars.
  • Earn cashback. Select cards like the Prepaid Travel Card by Mastercard can earn you some rewards.
  • Use it worldwide. Most prepaid travel cards are either Visa or Mastercard, which are widely accepted.
  • Fees. you may have to pay for loading, reloading, currency conversion, withdrawing cash and more.
  • ATM withdrawal limits . you may have to pay extra for withdrawing larger amounts of money.
  • Not great for emergencies. since you only have a finite amount of cash you may need another source of money in case you run out.

Compare prepaid travel money cards

If you’re leaning toward a prepaid travel money card, compare some of our favorites before signing up.

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Travel debit cards

Many travel debit cards waive foreign transaction fees and ATM withdrawal fees, setting you up for an easy breeze experience — as long as you don’t overdraw your checking account.

  • Fewer fees. Withdraw cash and buy all the souvenirs you want without getting dinged for it.
  • ATM availability worldwide. Choose a travel debit card that’s compatible with the highest number of ATMs.
  • Fraud protection. Your bank can help with damage control if your card is lost or stolen.
  • No cushion for emergencies. If you make large purchases, they could drain your account, which may lead to overdraft fees.
  • Long card replacement wait. If you lose your card it may take up to two weeks to get a new one.

Traveler’s checks

Traveler’s checks were once a widely used form of travel money, but they’re going the way of the dinosaur. You can weigh up whether they’re worth your time below — but we’d advise looking elsewhere.

  • Secure. Traveler’s checks are an extremely secure method to spend money overseas.
  • Safe. They can be easily replaced if lost or stolen.
  • Initial cost. You might be charged a purchasing fee when you first pick up your traveler’s check.
  • Acceptance. Traveler’s checks aren’t accepted as widely as other payment methods.
  • Can be bulky and awkward to carry. Plus, you’ll have to go to the effort of getting them cashed rather than having immediate access to your cash like you would with a card.

Comprehensive guide to using debit cards overseas

Foreign cash

Holding a certain amount of foreign cash provides you with convenience and payment flexibility. Some stops on your destination may be cash-only and having extra on you can provide a smooth transition to wherever your destination may be.

Knowing how the dollar has performed against foreign currency in the past few years and months will enable you to get the best exchange rate for your foreign exchange transaction. Our travel money guides will inform you on some of the ways to access cash and ATMs worldwide.

Is it safe to travel with cash?

Yes! In fact, it’s usually safer to travel with some cash than none at all — though you don’t need to take large sums along with you. To keep your cash safe while traveling, avoid keeping it all in one place. Instead, divide it between your suitcase, purse and other safe places so that if some gets stolen you still have backup cash.

Keep in mind that carrying more than $10,000 at a time could actually be a headache, since you’ll need to declare it on your customs form to explain why you’re traveling with so much money.

5 places to do a foreign currency exchange

The best place to exchange your foreign currency is at your bank or credit union BEFORE you travel.

  • Bank. Call your local branch beforehand to see if their services line up with what you need. Most nationwide banks, like PNC, offer competitive rates and no transaction fees.
  • Credit unions. Similar to banks, credit unions generally offer competitive exchange rates and limited or no transaction fees.

But if you’re already in a foreign destination, your best bet is to use a travel debit card to withdraw funds at an ATM.

  • Debit card. You should be able to withdraw cash from an international ATM with decent exchange rates and fees ranging from 1% to 3%.

Airport kiosks and currency exchange stores should only be used as a last resort.

  • Airport kiosk. After disembarking from the plane, you can exchange your currency at the airport. But fees are high and exchange rates will be less-than-favorable.
  • Currency exchange store. You can find exchange stories in most international cities, but again, the fees will be working against you.

Destination money guides

For your next international trip, plan ahead by knowing how much to bring, and which travel money option is best for you. Choose your destination to get the full guide:

  • Czech Republic
  • Hong Kong, China
  • Netherlands
  • New Zealand
  • South Africa
  • South America
  • South Korea
  • Switzerland

Avatar

Amy Stoltenberg

Amy Stoltenberg manages newsletters at Finder, gathering the best articles each week to help subscribers save money and stretch their hard-earned dollars. She also handles the Twitter account, dabbling in Instagram and Facebook too. When she's not on the computer, you can find her exploring Los Angeles with a good book in tow. She studied writing at Savannah College of Art and Design and has been featured on the Zoe Report.

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4 Responses

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My son did some work overseas and was paid in Macedonian Denars. He’s having a terrible time getting this exchanged to US money. Where can he do this?

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Hi Foxtrotrn,

Thank you for reaching out to finder.

Macedonian Denar is a closed currency which is a currency that you can only get in the country of origin and that is the reason why it is quite difficult to have it exchanged to US dollars.

The options that you have for foreign currency exchange are:

– International exchange kiosks which can be found in airports – Banks – Online foreign exchange companies such as World First, XE and other similar companies which offer exchange services online

I hope this helps.

Cheers, Charisse

Can I get dirhams–Moroccan currency–from any Chase branches?

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Thanks for your inquiry. Please note that we are not affiliated with Chase or any company we feature on our site and so we can only offer you general advice.

Yes, Chase offers international money transfers including dirhams. Aside from using your bank, you can also compare currency exchange companies that you can use to save on your next exchange.

Best regards, Rench

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You are here: Home / Blog / Post Office Travel Money: Exchange rate, Locations and Opening Times

Post Office Travel Money: Exchange rate, Locations and Opening Times

Travel money

This guide covers all you need if you want to sort your travel money through the Post Office, including a look at how the Post Office exchange rate is calculated, and your options if you want to use the Post Office travel money card.

We’ll also take a look at how Wise and the Wise account can help you cut the costs of spending while you’re abroad, so you can make the most of your holiday.

Post Office exchange rate

Let’s start with the basics. Whenever you’re buying travel money you need to know the exchange rate which will be used to convert your pounds to euros, dollars or whichever other currency you might require.

Unfortunately, figuring out the exchange rates used by different providers can be a tricky affair. You’ll find different banks and currency services use different rates - and some providers like the Post Office also offer different exchange rates depending on the amount you want to convert.

To give an example , let’s look at the Post Office euro exchange rate, as well as the rate to switch to US dollars:

Exchange rates correct at time of research (24th November 2020)

As you can see, you get a progressively better exchange rate, the more you convert. However, it’s not quite that simple. These rates reflect the Post Office travel money online service only. If you’re using a Post Office travel card, or simply walk into a Post Office travel money bureau to switch your cash, you may get a different rate. Post Office branch exchange rates vary from one branch to another , too, depending on where the branch is located and competition.

The range of exchange rates out there is confusing. But the way to know if you’re getting a good deal or not is to compare the exchange rate you’re offered against the mid-market exchange rate for your currency. That’s the rate set by global currency markets, and the ones banks and exchange services get when they buy currency themselves. You can find the mid-market rate online using a Google search or reputable currency converter tool.

If the rate you’re being offered isn’t the same as the live mid-market rate you find online this probably means your provider has added a markup. This is an extra fee and makes it hard to see exactly what you’re paying for your travel money.

Avoid this by choosing a provider like Wise (formerly TransferWise) which uses the mid-market exchange rate with no markups, and charges transparent fees for currency conversion.

Post Office Click and Collect

With Post Office Click and Collect you can order your currency online. You’ll then be able to call into your Post Office exchange bureau to collect your travel money, or have it delivered to your home.

Here are the fees and delivery times for the Click and Collect service - where there is no upfront fee, you may be paying a charge wrapped up in the exchange rate used:

What are the fees for getting travel money with the Post Office?

The Post Office advertises 0% commission - which sounds like the only fee you’ll need to pay is the delivery fee for smaller orders brought to your doorstep.

Many banks and currency services use a sounding headline like ‘zero commission’ or ‘fee free travel money’ - but add a markup to the exchange rates offered to customers instead . This can mean you’re paying more than you think you are for your currency exchange.

Compare the exchange rates you find with the Post Office against the mid-market exchange rate to see if a markup has been added.

Save with Wise when you spend in any currency

A smart way to cut the costs of your travel money is to use Wise.

The simplest way to access great value currency exchange which uses the real mid-market exchange rate with no markup, is to open a free Wise account online.

You can top up your account in pounds and switch to the currency you need using your laptop or mobile device. Simply use your linked Wise debit card Mastercard to spend when you’re overseas - or you can choose to take out local currency using an ATM when you arrive instead.

It’s free to spend any currency you hold using your linked debit card, and you can withdraw up to the currency equivalent of £200 per month from ATMs abroad with no additional Wise fee. It’s simple, cheap and can make it much easier to access and manage your money while you travel.

Post Office travel money products

Here’s a run through of the basic services available from Post Office travel money. It’s worth knowing that not all services are available at all Post Office branches so you’ll need to check your local options online.

1. Post Office Click and Collect

Order up to £2,500 of foreign currency for collection or home delivery. Euros and US dollars can be picked up in as little as 2 hours, with 60 currencies usually available.

2. Post Office foreign exchange

You can buy currency in a Post Office without ordering in advance too - but availability may be limited so it makes sense to check if they’ll have what you need at your local Post Office branch. If your currency is not available immediately you can order for home delivery instead.

3. Post Office Travel Money Card

The Post Office also has a travel money card which lets you top up in 23 different currencies, and spend wherever you see the Mastercard logo. More on that in a moment.

Post Office travel money bureau - exchange locations

You can get a full list of every UK Post Office online - or use the search function which is available on the Post Office Travel Money website .

Post Office foreign currency London

Here are some of the major Post Office locations offering travel money services in central London - find more branches using the branch finder tool on the Post Office website .

Travel money card London

Travel money services are not available at every single Post Office in the UK. For that reason it’s worth checking the options at the branches near you before you head out.

In most cases, major branches offer travel money services as well as the Post Office travel money cards. You can find details about the services on offer by branch using the branch locator on the Post Office travel money website .

Post Office travel money online

Order your travel money online and select whether you want to collect it in branch or have it delivered to your home. You’ll be able to pay online using a card, although there may be additional fees - check with your own card provider.

Does the Post Office offer a travel money card?

You can get a Post Office travel money card, to top up and spend in foreign currencies as you travel. 23 popular currencies are available, so you can top up in pounds and then switch to the currency you need using the Post Office travel money app. The card is accepted anywhere you see the Mastercard logo.

Get your card online and have it delivered to your home, or apply in a Post Office branch for quicker service. You’ll need to take your ID documents along when you do this.

There are also some limits and fees you need to know about. Check out the full details online to see the minimum and maximum top up amounts and balance, as well as the costs when you make an ATM withdrawal. For example , if you withdraw in euros from an ATM there's a EUR2 charge per withdrawal - in USD you’ll pay $2.50 USD per withdrawal.

The Post Office travel money services are convenient and can largely be accessed online - but it’s well worth understanding the fees you’ll pay for getting your foreign currency. Look carefully at the exchange rates you can access through the Post Office, to see if there's a markup added to the mid-market exchange rate for your currency. This is an extra cost which can push the price of your travel money up unexpectedly.

Return to the blog .

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Using the Post Office Travel Money Card: Pros and Cons

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Table of Contents

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

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

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

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

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

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

To maximize the benefits of the card:

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

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

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

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

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

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

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

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

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

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

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This is officially the cheapest destination in the world in 2024

By Connor Sturges

Hoi An Vietnam

Despite economic uncertainty and the cost of living causing most of us to tighten our pursestrings recently, there’s one thing few of us are unwilling to give up – travel. A recent study by American Express found that almost half of Brits are more interested in taking a major trip this year than previously, while more than half of those surveyed said they are saving up for a bucket list adventure.

While our wanderlust hasn’t dampened, the way we travel post-pandemic has changed in many ways, and many travellers are more savvy than ever when securing a jet-set deal.

Have no fear; the 18th annual Holiday Money Report from Post Office Travel Money is here, highlighting the global destination where our money goes further.

Lantern boat on Thu Bon river of ancient town Hoi An

The Post Office’s report looks at various factors likely to influence holiday decision-making in 2024, from exchange rates to the cost of eating out and visiting each destination's most popular tourist attractions.

According to the study, Vietnam tops the leaderboard for the first time. The former port city of Hội An leads the way for travellers on a budget, thanks to lower restaurant and bar charges and a considerable drop in the value of the Vietnamese dong.

The Post Office’s Worldwide Holiday Costs Barometer combines the average local price of eight popular tourist items. The coastal hotspot of Hội An leads the way on three of these – beer (£1.16), Coca-Cola (£0.72), and suncream (£3.70). Lower costs mean the city has leapfrogged from sixth place in 2023.

Tamarindo Beach and Estuary Guanacaste Costa Rica

Hội An is one of Vietnam ’s most charming and atmospheric cities. The commercial hustle and bustle of the bucket list destination’s larger, more metropolitan cities is almost entirely absent. Travellers spend mornings on the pristine beaches, afternoons touring fascinating historical sites, and evenings seeking out the tastiest corners of the Hội An Night Market. Best of all, it’s one of the best places in the world to catch up on quality shuteye , according to the Skyscanner 2024 UK Travel Trends Report, which analysed cities with hotels with the best sleep quality scores.

The 2024 report places Cape Town , last year’s winner, in second place. Local costs have risen, but it’s still the cheapest place for a three-course meal (£34.64) – in contrast, a multi-course feast in Costa Rica’s Tamarindo will set you back an average of £107.38.

Mombasa in Kenya has taken the third spot, Tokyo in Japan fourth, and Portugal’s Algarve fifth. The Algarve is the highest placed of the 15 European destinations surveyed, overtaking Turkey and Bulgaria.

Aegean Sea

Other major takeaways from the Holiday Money Report include the popularity of the Euro; it’s by far the bestselling currency for Post Office Travel Money, and sales are up eight per cent in 2024 to date. Otherwise, despite Marmaris in Turkey losing its top-five spot on the barometer, the report states that British travellers heading to Turkey will get the best deal due to the collapse of the Turkish Lira, which has continued to fall in the past year. Brits can expect to receive almost 81 per cent more lira for the pounds than a year ago – the equivalent in lira of more than £223 extra on a £500 currency purchase. While local costs have skyrocketed, shoulder season visits and stays outside of the tourist-heavy spots could result in a bargain summer escape.

Below, we round up the ten cheapest, and ten most expensive, destinations in the world. The corresponding price is the combined average price of a local coffee, beer, cola, glass of wine, bottle of water, suncream , insect repellent, and a three-course meal.

The cheapest destinations in the world

1. Hoi An, Vietnam: £51.18 2. Cape Town, South Africa: £54.35 3. Mombasa, Kenya: £54.93 4. Tokyo, Japan: £59.05 5. Algarve, Portugal: £59.69 6. Sharm el-Sheikh, Egypt: £61.37 7. Sunny Beach, Bulgaria: £62.49 8. Kuta, Bali: £63.31 9. Marmaris, Turkey: £66.07 10. Paphos, Cyprus: £73.32

The most expensive destinations in the world

1. Tamarindo, Costa Rica: £158.04 2. New York, USA: £143.28 3. St John's, Antigua: £138.42 4. Rodney Bay, St Lucia: £137.40 5. Bridgetown, Barbados: £134.92 6. Downtown Dubai, Dubai: £134.29 7. Scarborough, Tobago: £130.58 8. Cancun, Mexico: £127.10 9. Darwin, Australia: £126.36 10. Punta Cana, Dominican Republic: £124.70

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Revealed: Vietnam is the destination where your pound will stretch the furthest in 2024, with Costa Rica named the priciest place and NEW YORK second worst for value (with bottles of beer there costing £5.82)

  • The ranking is determined by Post Office Travel Money's 18th Worldwide Holiday Costs Barometer
  • It pays to travel long-haul this year for the best value for money 
  • Two-thirds of Britons planning a trip abroad admit that the strength or weakness of the pound will be a factor 
  • READ MORE:  I swapped my flat for a 5-star all-inclusive hotel in Turkey for one month  

The world's best value-for-money destinations for Britons have been revealed, and Vietnam has topped the list for the first time.

In second place in the Post Office Travel Holiday Money Report ranking comes another long-haul hot spot, South Africa , with Kenya third.

The world's most expensive destination is Tamarindo in Costa Rica, languishing in 40th place. Next is New York, which comes second from bottom. There, beer averages £5.82 a bottle.

The findings are courtesy of the 18th  Post Office Travel Money Worldwide Holiday Costs Barometer , and are based on the costs of eight 'tourism items' across 40 resorts and cities, with comparisons made between items including the cost of a beer, a three-course evening meal, insect repellent and sunscreen.

In Vietnam's Hoi An, a UNESCO World Heritage Site, this basket of goods totals £51.18. Meanwhile, at the other end of the scale, holidaymakers planning a trip to Tamarindo won't get any change from £158.04 when purchasing the same items.

Second-place Cape Town has been knocked off its top 2023 perch thanks to a five per cent increase in prices, bringing the basket in at £54.35.

Kenya, loved for its safari and beach holiday combos, sits at number three thanks to a basket total of £54.93.

Many of the destinations have seen local price increases, yet once prices are converted to sterling, holidaymakers will still pay less than they did a year ago in 19 long-haul destinations, including six in Europe.

Tokyo has travelled up the ranking, coming in at fourth position after seeing costs plummet by 16.2 per cent to £59.05.

The Algarve in Portugal, which has seen a 1.2 per cent drop in price, comes in at number five (£59.69), overtaking Turkey (ninth, £66.07) and Bulgaria (seventh, £62.49). Traditionally Bulgaria is great value for money but prices have risen 6.4 per cent, resulting in a sharp increase to £62.49.

Sunny Cyprus is the fourth European destination in the top 10, with Paphos sneaking in at 10th place at £73.32.

Tropical Bali ranks eighth overall, while Sharm el-Sheikh sits in sixth place at £61.37 thanks to the devaluation of the Egyptian pound.

Cancun in Mexico has had a dramatic fall, out-pricing itself from a place in the top 10, now sitting at 33, the result of a price rise of 16.7 per cent. Goods now total £127.10 thanks to the strong Mexican peso.

Holiday concerns and intentions   

Two-thirds of Britons planning a trip abroad admit that the strength or weakness of the pound will be a factor when it comes to their decision making.

Another concern are prices. Eighty-four per cent of people, rising to 89 per cent of family travellers, are worried about the cost of meals and drinks.

Budgeting is also top of mind, with 90 per cent anxious about busting their budgets as well as the cost of flights and ferries.

Holiday funds will be largely sourced from savings, with 40 per cent admitting money will come from existing income. Many are thinking about how to make further savings, with 32 per cent of holidaymakers opting to travel during the more cheaper shoulder periods when costs are lower.

In other results, the Post Office Travel Holiday Money Report reveals that the euro is by far the best-selling currency, with sales up eight per cent and providing a strong indicator as to where people will be travelling in 2024.

Following that is the US dollar and in third place, the Australian dollar. 

When it comes to the fastest-growing currencies, the Egyptian pound has shown the largest growth this year at 656 per cent. Hot on its heels is the Chinese yuan at 589 per cent, followed by the Japanese yen at 266 per cent.

The best deal will be found in Turkey because of the collapse of the Turkish lira. In 2024 visitors can expect to receive 81 per cent more liras than they did a year ago. However, prices in Marmaris restaurants and bars have more than doubled over the past 12 months, so if you've been before, expect a hefty increase.

Egypt is also a great choice for 2024. With a fall of over 71 per cent, visitors can now pocket an extra £208 on a £500 purchase.

If you're considering Japan or Kenya, sterling has gained over 16 per cent in value against both the Japanese Yen and Kenyan shilling over the past 12 months.

Vietnam, Prague and Thailand also show strong sterling gains and if you're heading Down Under to visit the relatives, Britons will earn seven per cent more to put towards their holiday funds.

Highest-rated holiday destinations

When it comes to the highest-rated holiday destinations, perennial Brit favourite Spain still takes the top spot at 86 per cent, despite having fallen to 14th place on the Barometer after it recorded a 9.3 price rise, with goods coming in at £81.45.

It's closely followed by Portugal and Greece, which both score an 82 per cent rating from holidaymakers.

Not far behind are the Canaries and Balearics, as well as Cyprus, Croatia, Malta and Turkey, which all have impressive ratings of between 75 and 79 per cent.

Bulgaria, sitting in 10th position, has a 73 per cent good-value rating, while just three points below sits Croatia.

Thailand tops the list for the highest number of approval ratings out of 16 long-haul hotspots, with 71 per cent rating it good value, ahead of Mexico, Egypt, the USA and Caribbean.

Commenting on this year's results, Laura Plunkett, Head of Post Office Travel Money, said: 'The barometer results make it clear how important it will be this year to consider how sterling's strength has impacted individual destinations.

'Holidaymakers intending to travel long-haul can expect to get more for their money because the pound has gained ground in most destinations.

'By comparison, sterling's gain against the euro has been more modest so it will pay to compare eurozone destinations to see which offer the cheapest prices. Portugal and Cyprus look like the best choices for bargain hunters.'

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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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How Trump Is Scrambling to Raise Cash

The former president is facing converging financial crunches as he and the Republican Party confront a shortfall against President Biden and the Democrats.

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By Shane Goldmacher and Maggie Haberman

As many as three nights a week, Donald J. Trump has been hosting private dinners at Mar-a-Lago, schmoozing with some of the Republican Party’s biggest financiers as he races to address a sizable cash shortfall against President Biden.

There is no request for money from the attendees at these meals, which have included Larry Ellison, the billionaire co-founder of Oracle, and Pepe Fanjul, the sugar magnate, according to people familiar with the sessions. But advisers to Mr. Trump’s campaign and his super PACs hope the charm offensive will eventually pay political and financial dividends.

One of the most pressing issues facing Mr. Trump is the financial disparity he and allied groups now face with Mr. Biden and the Democratic Party. Mr. Biden’s campaign announced on Sunday that it entered March with $155 million cash on hand with the party, after raising $53 million in February. The Trump operation has not released a more recent total, but his campaign account and the Republican National Committee had around $40 million at the end of January.

Mr. Trump enters the general election ahead of Mr. Biden in public polls . But Mr. Biden has taken full advantage of one of the benefits of incumbency, both socking away cash and building out a political operation earlier than his challenger.

Despite years of professing massive wealth and boasting of his desire to “drain the swamp,” the deeply transactional former president is leaning yet again on the cash of others, turning Mar-a-Lago into a staging ground for billionaires and others with their own agendas. One potential leverage point with the biggest G.O.P. financiers is the package of tax cuts Mr. Trump signed into law in 2017. Many of those cuts expire at the end of 2025, and Mr. Biden has vowed not to extend them for the nation’s highest earners.

Money often winds up mattering less in presidential races than in down-ballot races. Voters pay attention to the candidates naturally, especially Mr. Trump, and the key states all wind up awash in advertising by the fall.

Yet recent presidential contests have been so excruciatingly close that everything has mattered, and Mr. Trump is preparing to face an especially large avalanche of Democratic spending this year. Just a single union this week announced plans to spend $200 million , ten times what the main Trump super PAC had on hand. A cash edge can help Democrats tilt or expand the battleground map in their favor.

In a sign of the Trump orbit’s urgent need for cash, at least two donors who made seven-figure pledges to support Mr. Trump this year were nudged to see if they could cut an eight-figure check — meaning $10 million or more — instead, according to a person familiar with the request.

It is an unusually perilous moment for Mr. Trump.

The former president is facing converging financial crunches just as he has become the presumptive Republican nominee. The first is the political cash situation. The others are far more personal.

Mr. Trump recently posted a $91.6 million bond in a civil case in which he was found liable for sexual abuse and defamation of the New York writer E. Jean Carroll. He also must summon the resources to post a roughly $450 million bond, the judgment in a New York civil fraud case against his businesses, in the coming days. And he has mounting legal bills as his first criminal trial nears. Mr. Trump’s Save America PAC, which has been paying his lawyers and those of some witnesses, is set to run dry by summer at the current pace of spending.

Some Trump allies predict they will have enough campaign cash to win, even if it’s less than Mr. Biden.

“Hillary Clinton way out-raised President Trump but he connected with the American people and that was the difference right there,” said Tommy Hicks Jr., a former Republican National Committee co-chair and finance director.

Brian Ballard, a Republican lobbyist, fund-raiser and Mar-a-Lago member, said Mr. Trump was “incredibly engaged” in the political money fight.

“He understands the one advantage the Biden campaign has is financial resources,” Mr. Ballard said, adding “and he understands we need to do all we can to negate that.”

To prepare for the fall, Mr. Trump’s advisers have embarked on an aggressive and speedy takeover of the R.N.C. that included installing his daughter-in-law, Lara Trump, as co-chair, with the intention that she’ll focus in part on shoring up fund-raising. The Trump team imposed mass layoffs in some departments on Monday, and is shipping all of the party’s finance and digital fund-raising staff to the former president’s Florida headquarters by the end of the month.

In a sign of the early Democratic edge, Mr. Biden traveled to Wisconsin this week to promote the 44 party and campaign offices they are opening in the state, at the same time Mr. Trump’s team was laying off or forcing the R.N.C.’s regional political staff to reapply for their jobs.

For now, the Trump operation is ramping up its program for bundlers of midsize donations and planning to conserve cash costs by holding fewer rallies than they did at the end of the primary season.

On Thursday, Mr. Trump formed a new joint fund-raising account with the national party and roughly 40 state parties, calling it the Trump 47 Committee, allowing him to directly raise money in chunks of more than $800,000. A splashy dinner in Palm Beach is being planned in early April to fill the new account’s coffers. One person familiar with the planning said donors have pledged more than $25 million.

Mr. Trump himself is said to be concerned about the fund-raising gap between his orbit and Mr. Biden’s, although he has told advisers that he believes he and his allies will ultimately raise what they need, according to one person with knowledge of the discussions.

But some top donors remain hesitant. Among their privately expressed concerns is a fear that large donations could wind up covering Mr. Trump’s legal fees, even as his advisers have publicly said the R.N.C. won’t do so. Mr. Trump’s main super PAC has, as of January, refunded more than $47 million of the $60 million it had received before the 2024 run began to Mr. Trump’s PAC, which is paying Mr. Trump’s lawyers.

So far, Mr. Trump has reported only a limited well of major contributors during the 2024 race. He has, in the meantime, become increasingly attentive to them.

He recently had a meeting with one of the world’s richest men, Elon Musk, and a brief backstage encounter with Jeff Yass, a billionaire investor in TikTok. Mr. Trump said on CNBC that he and Mr. Yass had not spoken about the company, though he later posted on social media regarding his skepticism about federal legislation that could ban the app, especially if it would benefit the parent company of Facebook.

On Super Tuesday, Mr. Trump’s main super PAC, Make America Great Again Inc., rented out a room at Mar-a-Lago for some of the larger donors to mingle in. Mr. Trump stopped by and thanked some of them, including Trish Duggan, a prominent Florida philanthropist and Scientologist, who has contributed more than $5 million, according to a person who was in the room.

The night he won the New Hampshire primary, Mr. Trump gave shout-outs in his victory speech to the casino magnate Steve Wynn and the hedge fund manager John Paulson, both of whom are billionaires.

“You know what? Put him at Treasury,” Mr. Trump said of Mr. Paulson that night. The April fund-raising dinner, which was first reported by Bloomberg , will be hosted by Mr. Paulson.

On the night of the South Carolina primary, Woody Johnson, the billionaire owner of the New York Jets to whom Mr. Trump gave an ambassadorship during his term, stood behind Mr. Trump.

Another billionaire and regular at Mar-a-Lago, Ike Perlmutter, is supporting a separate super PAC , Right for America, that is being run by Trump ally Sergio Gor. Mr. Trump blessed Mr. Perlmutter’s effort, despite the fact that its existence has caused tension within the broader Trump circle.

The general election cash chasm was apparent in the advertising announced in March.

The main Trump super PAC has purchased about $380,000 in radio advertising targeting Black voters in three states this month. The Biden campaign has announced a $30 million ad campaign over six weeks — a nearly 100 to 1 edge in the first stretch of the race.

That ratio does not include the roughly $500,000 the pro-Trump super PAC spent on an ad that trolled Mr. Biden the day of his State of the Union speech, questioning whether the president would live to 2029, when his second term would end. The provocative commercial exemplifies what underfunded groups typically do: Spend symbolically to generate free media coverage.

Some Republican donors have emphasized that wealthy contributors may write large checks, but they often don’t want to see that fact disclosed, given the controversy that attaches itself to Mr. Trump. A number of donors faced public blowback in 2016 for their support.

An official with the Trump super PAC would not say whether Mr. Yass has given money to the group, but a person close to the campaign said he is expected to make a seven-figure contribution. It’s unclear if that would be to a super PAC or a dark money group that does not have to identify its donors.

After Mr. Musk’s meeting with Mr. Trump was reported, Mr. Musk wrote , “I am not donating money to either candidate for US President.” But should he choose to donate, Mr. Musk, too, could decide to give to an entity in which the money cannot be tracked.

Not everyone is on board just yet.

“Can I just have a moment to be sad over Nikki not being in the race?” the hedge fund executive and G.O.P. financier Ken Griffin said at a conference in Florida this week, referring to Mr. Trump’s last major Republican rival, Nikki Haley. But Mr. Griffin predicted that Mr. Trump would win this fall and left open the possibility of backing him.

The current financial situation is a reversal of the one in 2020.

Back then, it was Mr. Trump who held the White House and had amassed a $187 million advantage by roughly this same point, creating a far larger gap than Mr. Biden has built now. But spending decisions by the Trump team and a deluge of Democratic giving inverted that by the fall .

The Republican National Committee announced that last weekend — the first since Michael Whatley was installed as chairman, and Ms. Trump as co-chair — was its strongest for a fund-raising weekend since 2020. Ms. Trump said on Fox News that she had personally received pledges of $2.7 million.

And a Trump campaign spokeswoman said that February had been its strongest month for small dollar fund-raising of the race. Records show the previous high for online fund-raising was last August, when Mr. Trump raised $22.3 million.

Still, Democratic donors have been pouring money into Mr. Biden’s coffers. The Biden campaign announced it had raised more than $10 million online in the 24 hours after the State of the Union address.

To put that sum in perspective, it more than doubled the biggest day Mr. Trump had in 2023, when his mug shot was released from his Georgia indictment, and he raised $4.2 million online.

Shane Goldmacher is a national political correspondent, covering the 2024 campaign and the major developments, trends and forces shaping American politics. He can be reached at [email protected] . More about Shane Goldmacher

Maggie Haberman is a senior political correspondent reporting on the 2024 presidential campaign, down ballot races across the country and the investigations into former President Donald J. Trump. More about Maggie Haberman

Our Coverage of the 2024 Elections

Presidential Race

President Biden’s campaign is working to reach across the generation gap  to the tens of millions of predominantly younger voters on TikTok, where the challenges include anger over the war in Gaza.

As Donald Trump prepares for a rematch against Biden, Republicans are debating the wisdom of the former president’s decision to bypass any reconciliation with Nikki Haley and her voters .

Robert Kennedy named Nicole Shanahan , a Silicon Valley lawyer, investor and political neophyte, as his running mate  in his independent presidential bid.

Other Key Races

Kari Lake, a Trump acolyte running for Senate in Arizona, is struggling to walk away from the controversial positions  that have turned off independents and alienated establishment Republicans.

Ohio will almost certainly go for Trump this November. Senator Sherrod Brown, the last Democrat holding statewide office, will need to defy the gravity of the presidential contest  to win a fourth term.

March 19 was the biggest primary night since Super Tuesday, and there were few surprises in the results. Here are the key takeaways .

China’s Weak Economy Won’t Stop ‘100 Million’ Tourists

Dawit Habtemariam

Dawit Habtemariam , Skift

March 21st, 2024 at 9:36 AM EDT

Let's hope a weak economy doesn't stop 100 million Chinese tourists from turning out globally this year.

Dawit Habtemariam

China’s economy is shaky, but that doesn’t mean its millions of citizens are going to stop traveling abroad any time soon. That’s what executives said at a panel at the recent ITB Berlin travel trade show.

 “There are about 100 million Chinese people who have enough money to visit Berlin or travel long distances,” said Professor Wolfgang Georg Arlt, CEO of COTRI China Outbound Tourism Research Institute.

“These 100 million people may not get richer so quickly anymore, but they still have enough money for a $5,000 or $6,000 trip to Europe, Africa or wherever,” said Arlt.

China’s economy has been slowing after years of rapid growth. Some travel industry executives have questioned whether Chinese tourism will ever fully recover. 

“China’s economy is changing,” San Francisco Travel CEO and President Scott Beck told Skift in an interview . “That market may never come back to the way it was pre-pandemic.” 

Qatar Sees Chinese Tourists Come Back

Qatar has seen an surge in Chinese tourists since the Chinese government lifted its group travel ban on the destination in August.

“We’re on a nice trajectory curve,” said Philip Dickinson, who leads global travel trade market Development and MICE for Visit Qatar.

China was one of Qatar’s fastest-growing markets before the pandemic, having grown 118% between 2014 and 2019, said Dickinson.

Until August, the Chinese government had banned its travel agencies from selling group travel to Qatar, the U.S., the UK, Japan and multiple other countries. Canada is still on China’s banned list .

Chinese Tourists Need Flights to Europe and North America

A persistent roadblock for Chinese tourism to the West has been flight availability. Germany, the U.S., Netherlands , the UK and other Western destinations have yet to see the number of flights to China restored to the pre-pandemic level.

By the end of March, Germany and China will “finally” have bilateral talks again about traffic rights, said Ralf Ostendor, director of market management for Visit Berlin.

“We really need more direct flights and connectivity and I hope that that will really come later this year or later 2025,” he said during the ITB Berlin session.

The lack of flights and cost have been a deterrent to Chinese tourists to the West. At some points last year, economy fares for flights from China to the U.S. exceeded $3,500 . 

Geopolitics between the West and China and the fact that U.S. and most European carriers can’t fly over Russian airspace have been major barriers to fully restoring air connectivity.

Skift’s Coverage of ITB Berlin 2024

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Tags: asia , asia newsletter , asia pacific , china , tourism

Are banks, post offices, UPS and FedEx open on Good Friday 2024? Here's what to know

travel money po

This upcoming weekend is Easter weekend, meaning Friday, March 29 is Good Friday.

Good Friday is the day in which Christian and Catholic churches across the world commemorate the crucifixion and death of Jesus Christ. "From the early days of Christianity, Good Friday was observed as a day of sorrow, penance, and fasting," Britannica notes.

Easter falls on Sunday, March 31 this year, and it celebrates the resurrection of Jesus Christ and follows a 40-day period known as Lent. The date the holidays are celebrated changes depending on the year because Easter is one of several "moveable feasts" in the liturgical year, according to the History Channel. Other examples of "moveable feasts" include  Ash Wednesday  and Palm Sunday.

Here's what to know about bank, mail and shipping operations on Good Friday.

Why does Easter change every year? Here's how the date has been historically determined

Is the post office open on Good Friday? Will mail be delivered?

U.S. Postal Service facilities will have normal operations on Friday, March 29, meaning USPS facilities will be open for retail transactions and mail will be delivered as usual, the agency confirmed to USA TODAY.

Are banks open on Good Friday?

Bank branches will largely be open on Good Friday.

Capital One, Bank of America, CitiBank and JPMorgan Chase, among others, confirmed to USA TODAY branches would be open on Friday.

Is UPS open on Good Friday? Will packages be delivered?

UPS pickup and delivery services are available and UPS Store locations will be open on Friday, according to the company's website .

Is FedEx open on Good Friday? Will packages be delivered?

FedEx pickup and delivery services are available and FedEx Office locations will be open on Friday, according to the company's website .

Gabe Hauari is a national trending news reporter at USA TODAY. You can follow him on X  @GabeHauari  or email him at [email protected].

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Trump to renew push for delay in New York hush money trial as $454M fraud bond comes due

Trump's legal team wants to push back the april 15th trial another 60 days.

Trump's 'absolute immunity' claim at SCOTUS could be 9-0 against him: John Yoo

Trump's 'absolute immunity' claim at SCOTUS could be 9-0 against him: John Yoo

'Sunday Night In America' panelists Andrew Cherkasky and John Yoo discuss former President Trump's legal issues.

Former President Trump will appear in a Manhattan court on Monday, where he is expected to renew his push for a delay in his hush money payments trial.

The trial is currently scheduled for April 15, a date that was already delayed 30 days thanks to the discovery of new evidence material in early March. In a separate case, Trump also faces a Monday deadline to pay a $454 million bond in the civil fraud case brought against him by New York Attorney General Letitia James.

Judge Juan Merchan is holding Monday's hearing to make a final determination for the date of the trial. Trump's team argues that the evidence uncovered in early March requires more time for review. They also say that prosecutors with Manhattan DA Alvin Bragg's office received elements of the new evidence before the defense and allegedly violated discovery rules.

Trump is accused of falsifying business records in relation to hush money payments he made to adult film actress Stormy Daniels.

JUDGE DELAYS TRUMP'S HUSH-MONEY TRIAL AMID LAST-MINUTE EVIDENCE DUMP BY FEDS

Trump supporters Mar-a-Lago

Former President Trump will appear in a Manhattan court on Monday, where he is expected to renew his push for a delay in his hush money payments trial. (Eva Marie Uzcategui/Bloomberg via Getty Images)

Bragg's office urged Merchan do deny Trump's push for further delays in a filing last week. Prosecutors argue Trump's team is seeking to delay the trial for as long as possible, with an ultimate goal of pushing his legal battles past the November election.

TRUMP HOLDS SLIGHT EDGE OVER BIDEN IN CRUCIAL BATTLEGROUND STATE: POLL

"Defendant's accusations of a discovery violation are a distraction from the only issue actually presented here, which is how this Court should respond to the late arrival of potentially relevant evidence from sources outside of the People's direction or control," Bragg wrote in last week's court filing.

Manhattan DA Alvin Bragg

Bragg's office urged Merchan do deny Trump's push for further delays in a filing last week. Prosecutors argue Trump's team is seeking to delay the trial for as long as possible, with ultimate goal of pushing each of his indictment battles past the November election. (Photo by Barry Williams for NY Daily News via Getty Images)

"On that question, the appropriate remedy is the brief adjournment that this Court has already granted, which is more than enough time for the parties to review what the People now have good reason to believe is the limited number of relevant records in the USAO's recent productions. This Court should accordingly deny defendant's request for more extreme sanctions," the filing continued.

COMER INVITES HUNTER BIDEN, BUSINESS ASSOCIATES TO TESTIFY PUBLICLY MARCH 20 AMID IMPEACHMENT INQUIRY

The new evidence is some 15,000 records produced by the Justice Department relating to its investigation of former Trump lawyer Michael Cohen, who is serving as a star witness in the hush money case.

Former President Donald Trump clapping

Former President Donald Trump speaks to supporters at a rally to support local candidates on Sept. 3, 2022 in Wilkes-Barre, Pennsylvania.  (Spencer Platt/Getty Images)

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The U.S. Attorney's Office said much of the material is unrelated to the state case against Trump. Federal prosecutors have already provided at least 104,000 pages of records — 74,000 of which initially went just to Bragg's office and not   to Trump's lawyers.

Bragg's office has since turned over those 74,000 pages to the defense.

In the civil fraud case brought by the state attorney general's office, Monday is the end of the 30-day grace period Trump was given to post a $454 million appeal bond. If he fails to do so, Attorney General James can enforce the trial court's judgment against the former president and start seizing his property and/or assets.

Fox News' Louis Casiano contributed to this report

Anders Hagstrom is a reporter with Fox News Digital covering national politics and major breaking news events. Send tips to [email protected], or on Twitter: @Hagstrom_Anders.

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