Best Guatemala Quetzal Travel Money Rates Today
All 3 providers ranked by € Guatemala Quetzals you actually receive for your pounds – cash delivery, click & collect and currency card compared. Interbank mid-market: 10.2610
💵 Best cash rate today
10.2998
£500 → €5,149.90 · Top provider: Currency Online Group
Interbank 10.2610 38 bps vs market
Compare all providers ↓💳 Best card rate (Wise)
10.2456
Mid-market rate · ~0.55% fee
Card spending only – no physical cash
Card spending only – no physical cash
Market reference · GBP/GTQ
10.2610
38 bps best cash vs interbank
Interbank rate is indicative (Barchart). Provider rates derived from live feeds. Confirm with each provider before ordering.
GBP/GTQ Rate · Charts · Forecasts →Calculate your Guatemala Quetzals
€5,149.90
via Currency Online Group (best cash rate today)
£
Which Provider Delivers the Most Guatemala Quetzals?
All providers ranked by € Guatemala Quetzals received for your amount. Cash delivery and currency card compared separately.
Provider
Guatemala Quetzals delivered
Rate
Spread
Delivery
Currency Online Group
Online specialist + Waterloo walk-in
Best cash rateGuatemala Quetzals delivered
€5,149.90
Delivery from £10 · HMRC MSB
Home delivery +38 10.2998
10.2998
+38
Home delivery
Post Office
First Rate Exchange Services · 11,000+ locations
Guatemala Quetzals delivered
€4,600.55
Free over £500 · £4.99 below · FCA EMI 900412
Home + 11k branches -1033 9.2011
9.2011
-1033
Home + 11k branches
Wise Travel Card – card spending, not physical cash Mid-market rate 10.2456 · ~0.55% conversion fee ·
effective rate ~10.1892 ·
€5,094.62 for £500.
Best for card-friendly destinations. Does not deliver physical Guatemala Quetzal notes.
Spread vs interbank (bps): 1 bps = 0.01%.
A spread of 38 bps on £500 costs ~€-19.40 vs the interbank rate.
Most cash providers are HMRC MSB regulated for bureau de change – not the FCA.
M&S explicitly states it is not FCA regulated. All rates indicative; verify with provider before ordering.
Best rates Moderate Poor rates
How to Get the Best Guatemala Quetzal Rate
The right approach depends on your order size, timeline and destination. Here is the decision framework.
Ordering £750 or more
Use an online specialist
Currency Online Group and Currency Online Group consistently lead on rate.
Free delivery at £750. On a £750 order, Currency Online Group delivers approximately €824.02 more in guatemala quetzals than the Post Office.
Order online, receive by Royal Mail Special Delivery the next working day.
Order from Currency Online Group →Need it today or tomorrow
Click & collect from Eurochange
Eurochange has 240+ branches with same-day collection for orders placed before 4pm. Sainsbury's, Tesco and M&S also offer click & collect across hundreds of stores. Post Office is open same-day at most locations.
Find Eurochange branch →Destination is card-friendly
Wise card for spending
For Western Europe, USA, Australia and Japan, Wise's mid-market rate plus ~0.55% fee outperforms all cash providers on like-for-like. Take minimal cash for markets and small vendors; use Wise for everything else.
See Wise rates →Provider Detail – Full Comparison
Source: GBP/GTQ travel money rate comparison · Jun 2026
Online Cash Delivery Specialists – Best Rates
Currency Online Group
Online specialist · HMRC MSB
Top 2
GBP/GTQ rate 10.2998
Founded 2016 (Paul Brewer)
Delivery fee From £10 + insurance
Walk-in Waterloo, London
Buyback Yes – strong rates
FCA for cash? No – HMRC MSB
COG details → National Networks & Bank
Post Office
First Rate Exchange Services · FCA EMI 900412
11,000 locations
GBP/GTQ rate 9.2011
Operator First Rate Exchange Services (Bank of Ireland / PO JV)
Locations 11,000+ · ~3,000 open 7 days
Free delivery from £500
FCA regulated? Yes – First Rate FCA EMI 900412
How we source rates
Provider rates are derived from live feeds, direct data and algorithmic application. Primary figures are server-rendered at page load and update throughout the trading day.
Regulatory note
Most cash providers on this page are HMRC MSB regulated for currency exchange – not the FCA. M&S states it is not FCA regulated. Post Office, John Lewis (First Rate, FCA EMI 900412) and Wise (FCA EMI 900507) are FCA authorised.
How we are funded
We may earn a referral fee when you use a provider via this page. This does not affect our rate data or editorial independence. Read more →
Frequently Asked Questions
Who offers the best guatemala quetzal travel money rate today?
Currency Online Group leads at 10.2998.
For card spending, Wise gives the mid-market rate (10.2456) minus ~0.55% fee – effective rate ~10.1892.
Is M&S Travel Money safe if it's not FCA regulated?
M&S Travel Money is HMRC MSB regulated – the standard framework for all UK bureau de change. The service is now operated by Ignite FXCorp (Eurochange subsidiary) since spring 2025. For a dispute, HMRC rather than the FCA is the relevant authority. The service is not unsafe, but consumer protections differ from FCA-regulated services.
Should I buy cash or use a card for Guatemala Quetzal destinations?
A Wise card at the mid-market rate outperforms all cash providers on like-for-like in card-friendly destinations. In practice, carry some cash for markets, taxis and small vendors; use Wise for restaurants, shops and larger purchases. For destinations where cash is essential, a specialist like Currency Online Group is the right choice.
What does “Travelex white-label” mean for Tesco and Sainsbury's?
Neither Tesco nor Sainsbury's operate their own travel money infrastructure. Both use Travelex as the backend for rate-setting, currency supply and fulfilment. Rates tend to be similar between the two but can differ slightly by day; compare both on this page before ordering.