Independent Review · Online travel money specialist
TravelFX Travel Money
Online delivery specialist. Consistently one of the best exchange rates in the UK market for physical cash delivery. Founded 2008. Free delivery over £750 via Royal Mail Special Delivery.
Best cash rates 4.9 / 5 Trustpilot HMRC MSB only Online only
GBP/EUR rate today
1.1405
Live from data feed
€ for £500 today
€570.25
Before delivery fee
Trustpilot
4.9 / 5
32,000+ verified reviews
Currencies offered
80+
Including exotic pairs
⚠️ Regulatory Status – Please Read
Travel FX Ltd itself is not FCA regulated for currency exchange. The company is registered with HMRC as a Money Service Business (XEML00000119581), which is the standard regulatory framework for bureau de change operators and covers the currency exchange activity. UKFX Holdings Ltd (FRN: 901082), which TravelFX uses for payment processing and e-money services, holds FCA authorisation as an Electronic Money Institution – but this covers payment services only, not the currency purchase itself.
A MSE forum investigation in January 2026 confirmed this in writing from both the FCA and UKFX Holdings. TravelMoneyMax's listing of TravelFX as "FCA Authorised: Yes" was flagged as misleading by a consumer who suffered a financial loss in a dispute. PSL is publishing this distinction explicitly so readers can make an informed decision. This does not make TravelFX's service illegal or dangerous for typical transactions, but it does mean FCA consumer protections do not apply to your currency purchase.
A MSE forum investigation in January 2026 confirmed this in writing from both the FCA and UKFX Holdings. TravelMoneyMax's listing of TravelFX as "FCA Authorised: Yes" was flagged as misleading by a consumer who suffered a financial loss in a dispute. PSL is publishing this distinction explicitly so readers can make an informed decision. This does not make TravelFX's service illegal or dangerous for typical transactions, but it does mean FCA consumer protections do not apply to your currency purchase.
8.4 / 10 PSL Travel Money Score
Verdict: Market-leading rates with an important regulatory caveat
TravelFX consistently delivers the best or second-best exchange rate across all major currencies. For a reader who is comfortable with HMRC MSB regulation (rather than FCA regulation) and wants the maximum number of euros, dollars or other currency for their pounds, TravelFX is the standout recommendation for online delivery. The Trustpilot score (4.9/5 from over 32,000 reviews) is among the highest of any travel money provider. The regulatory distinction – that HMRC rather than FCA oversight applies to the currency purchase – is material and must be understood before transacting. PSL recommends reading the regulatory note above before ordering.
TravelFX Rates Today – Major Currencies Updated 16:04 BST · 7 May 2026
| Currency | TravelFX rate | €/$ for £500 | vs interbank | vs Post Office |
|---|---|---|---|---|
| EUR – Euro | 1.1405 | €570.25 | -243 bps | +233 bps better |
| USD – US Dollar | 1.3447 | $672.35 | -211 bps | +198 bps better |
| AUD – Australian Dollar | 1.8477 | A$923.85 | -230 bps | +215 bps better |
| TRY – Turkish Lira | 58.5007 | ₺29,250.35 | -280 bps | +260 bps better |
| AED – UAE Dirham | 4.8847 | AED2,442.35 | -225 bps | +210 bps better |
| THB – Thai Baht | 42.8232 | ฿21,411.60 | -290 bps | +275 bps better |
Rates are indicative and update continuously. Interbank mid-market rates sourced from PSL data feed. "vs Post Office" column reflects approximate basis point differential based on PSL comparisons. Firm rates must be obtained from TravelFX directly before transacting.
Fees & Delivery
🚚 Home Delivery Fees
Order £750+ Free
Order £300–£749.99 £7.50
Order under £300 £20.00
Saturday delivery Additional charge
9am delivery Additional charge
Specific denominations Small charge
📦 Delivery Details
Courier Royal Mail Special Delivery
Delivery speed Next working day (after dispatch)
Insurance Included (value of contents)
Commission None
Card payment fee None stated
Bank transfer Available
🔄 Buyback Service
Unused currency Yes – send back by post
Buyback rate Competitive – check live
Payment method Bank transfer to your account
💳 Payment Options
Debit card ✓ No fee
Bank transfer (Tink) ✓ Available
Credit card Check before ordering
Min order No stated minimum
Pros & Cons
✓ Advantages
✓
Consistently best or near-best cash exchange rates on the market✓
4.9/5 Trustpilot from 32,000+ reviews – outstanding customer satisfaction✓
Royal Mail Special Delivery provides next working day service with insurance✓
80+ currencies including many exotic pairs not available at supermarkets✓
No commission. Transparent pricing with cost embedded in rate.✓
Strong buyback service with competitive rates✓
Open banking payment option via Tink – fast, secure, no card fees✗ Disadvantages
✗
Not FCA regulated for currency exchange – HMRC MSB only (see regulatory note above)✗
Online only – no branches or walk-in option✗
High free delivery threshold at £750 – smaller orders incur fees that erode rate advantage✗
Delivery timing depends on Royal Mail – delays possible at peak periods✗
No prepaid currency card option✗
Some reviews note large denomination notes by defaultPSL Rating Breakdown
⚠️ Regulatory clarity note: The "Regulatory clarity" score reflects the level of consumer protection and transparency PSL considers available to customers. A lower score does not mean the provider is illegal or unsafe for typical transactions, but indicates that FCA consumer protection rules do not fully apply to the currency purchase itself.
8.4 / 10 Overall PSL Travel Money Score
Who Is TravelFX For?
✅ Best for
Travellers ordering £750 or more of a single currency who want the best possible exchange rate and are comfortable with HMRC MSB oversight (rather than FCA regulation). Particularly strong for less-common currencies (Thai Baht, UAE Dirham, Turkish Lira, South African Rand) where supermarket providers often have wider spreads.❌ Not ideal for
Orders below £300 (the £20 delivery fee makes the rate advantage negligible). Anyone who specifically requires FCA-regulated protection for their currency purchase. Travellers who need same-day or walk-in collection. Those who want a prepaid currency card.💳 Compare to Wise if
Your destination has good card acceptance (Western Europe, USA, Scandinavia, Japan, Australia). A Wise card at the mid-market rate minus a 0.55% fee will typically outperform TravelFX on a like-for-like effective rate, with no delivery wait.TravelFX – Questions & Answers
Is TravelFX safe to use?
For typical travel money purchases, TravelFX has an outstanding service track record – 4.9/5 from 32,000+ Trustpilot reviews speaks for itself. The regulatory caveat is important context rather than a safety warning: TravelFX is HMRC registered as a Money Service Business, which is the legal framework for all UK bureau de change operators. What it means is that if you have a dispute specifically relating to FCA consumer protection rules, those protections do not apply to the currency purchase element of the transaction. UKFX Holdings Ltd (which handles payments) does hold FCA EMI status.
How long does TravelFX delivery take?
TravelFX uses Royal Mail Special Delivery, which is a guaranteed next working day service after dispatch. If you order and your payment is processed before the daily cut-off time, your currency is typically dispatched the same day and arrives the following working day before 1pm. Saturday delivery is available at an additional charge.
What is the minimum order for free delivery?
Free delivery applies to orders of £750 or more (GBP equivalent). Orders between £300 and £749.99 carry a £7.50 delivery charge, and orders below £300 carry a £20 fee. For smaller amounts, the delivery fee will significantly reduce the rate advantage over competitors who offer lower thresholds – Post Office is free above £500, Sainsbury's above £400.
Can I buy back unused currency with TravelFX?
Yes – TravelFX's buyback service is well-regarded. You post your unused foreign currency notes back to TravelFX using Royal Mail Special Delivery (fully insured) and they transfer the sterling equivalent to your bank account. Rates are quoted live on the TravelFX website and are competitive, though as with all buyback services the rate is lower than the sell rate.
Does TravelFX offer a currency card?
No – TravelFX is a physical cash delivery provider only. If you need a prepaid multi-currency card, see PSL's review of Wise, which offers the mid-market rate and is the leading card option in this comparison.