Best Indian Rupee Travel Money Rates Today
All 5 providers ranked by ₹ Indian Rupees you actually receive for your pounds – cash delivery, click & collect and currency card compared. Interbank mid-market: 129.1098
💵 Best cash rate today
123.0350
£500 → ₹61,517.50 · Top provider: TravelFX
Interbank 129.1098 -471 bps vs market
Compare all providers ↓💳 Best card rate (Wise)
128.9220
Mid-market rate · ~0.55% fee
Card spending only – no physical cash
Card spending only – no physical cash
Market reference · GBP/INR
129.1098
-471 bps best cash vs interbank
Interbank rate is indicative (Barchart). Provider rates derived from live feeds. Confirm with each provider before ordering.
GBP/INR Rate · Charts · Forecasts →Calculate your Indian Rupees
₹61,517.50
via TravelFX (best cash rate today)
£
Which Provider Delivers the Most Indian Rupees?
All providers ranked by ₹ Indian Rupees received for your amount. Cash delivery and currency card compared separately.
Provider
Indian Rupees delivered
Rate
Spread
Delivery
TravelFX
Online delivery specialist
Best cash rateIndian Rupees delivered
₹61,517.50
Free over £750 · £7.50 below · HMRC MSB
Home delivery -471 123.0350
123.0350
-471
Home delivery
Currency Online Group
Online specialist + Waterloo walk-in
Indian Rupees delivered
₹61,287.50
Delivery from £10 · HMRC MSB
Home delivery -506 122.5750
122.5750
-506
Home delivery
Eurochange
Independent specialist · 240+ branches
Indian Rupees delivered
₹57,817.00
Free over £600 · £4.99 below · HMRC MSB
Home + 240 branches -1044 115.6340
115.6340
-1044
Home + 240 branches
M&S Travel Money
Ignite FXCorp (Eurochange) · 560+ stores
Indian Rupees delivered
₹57,692.00
Free · Collect only · Not FCA regulated · HMRC MSB
Collect only -1063 115.3840
115.3840
-1063
Collect only
Wise Travel Card – card spending, not physical cash Mid-market rate 128.9220 · ~0.55% conversion fee ·
effective rate ~128.2129 ·
₹64,106.46 for £500.
Best for card-friendly destinations. Does not deliver physical Indian Rupee notes.
Spread vs interbank (bps): 1 bps = 0.01%.
A spread of -471 bps on £500 costs ~₹3,037.40 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 Indian Rupee 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
TravelFX and Currency Online Group consistently lead on rate.
Free delivery at £750. On a £750 order, TravelFX delivers approximately ₹92,276.25 more in indian rupees than the Post Office.
Order online, receive by Royal Mail Special Delivery the next working day.
Order from TravelFX →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/INR travel money rate comparison · May 2026
Online Cash Delivery Specialists – Best Rates
TravelFX
Online specialist · HMRC MSB
Best rate
GBP/INR rate 123.0350
Founded 2008
Free delivery £750+
Below £750 £7.50 · below £300: £20
Delivery Royal Mail Special Delivery – next working day
Currencies 80+
Buyback Yes
FCA for cash? No – HMRC MSB only (XEML00000119581)
Trustpilot 4.9/5 · 32,000+ reviews
Full TravelFX review →Currency Online Group
Online specialist · HMRC MSB
Top 2
GBP/INR rate 122.5750
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 → High-Street Specialist & Lifestyle Retailers
Eurochange
240+ branches · HMRC MSB
Very competitive
GBP/INR rate 115.6340
Branches 240+ UK-wide
Same-day collect Yes – before 4pm
Free delivery £600+
Awards Travel Money Provider of Year × 5
Powers M&S via Ignite FXCorp (subsidiary)
FCA for cash? No – HMRC MSB (standard for bureau de change)
Eurochange details →M&S Travel Money
Ignite FXCorp · HMRC MSB
Not FCA regulated
M&S Travel Money is HMRC MSB regulated – the standard framework for bureau de change. The FCA does not regulate the currency exchange element.
GBP/INR rate 115.3840
Operator (from spring 2025) Ignite FXCorp (Eurochange subsidiary)
Model Click & collect only – no home delivery
Stores 560+ for collect · 96 bureaux
Cancellation fee £10
FCA regulated? No – M&S states this explicitly on its website
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 indian rupee travel money rate today?
TravelFX leads at 123.0350.
For card spending, Wise gives the mid-market rate (128.9220) minus ~0.55% fee – effective rate ~128.2129.
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 Indian Rupee 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 TravelFX 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.