This online service for the provision of foreign currency and/or Travellers’ Cheques (“this Service”) is provided for and on behalf of the Website Owner(s) (as defined below) by First Rate Exchange Services Limited (“First Rate”).
You have accessed this Service via a link from one or more website(s) operated by a third party or third parties (“the Website Owner(s)”).

Ordering notes and traveller's cheques

Traveller's cheques

Acceptance of traveller's cheques


Ordering notes and traveller's cheques

Can I order currency notes and traveller's cheques in multiple currencies?

Yes, you can order different currency traveller's cheques and foreign banknote currencies all at the same time in the one order.

How much can I order online?

Any applicable minimum and maximum order values are displayed on the ordering screens. Please note there are some countries which limit the amount of currency you can take in or take out and it is your responsibility to ensure that you meet any such restrictions.

Information is available via the Assistance link on the ordering pages. In the UK you must complete a Cash Declaration form if you plan to take out (or return with) EUR10,000 or more, or the equivalent in any currency, in cash (notes and traveller’s cheques)

To obtain a Cash Declaration form visit or call 0845 0109 000

How can I check what rate of exchange is being applied?

The current exchange rates are displayed during the ordering process. In addition, a rate display is provided on the travel money ordering website which can be accessed by selecting the ‘currency exchange rates’ menu option.

How much will I be charged to buy foreign currency notes and traveller's cheques from the Order Travel Money website?

We aim to provide foreign currency at competitive rates. Any delivery or payment charges for your order will be calculated and displayed when you enter your order. We reserve the right to amend pricing from time to time to reflect any changes in costs.

Please note that your credit / debit card provider may charge a cash advance fee for buying currency.

What Denominations will I receive?

We will endeavour to supply you with a mix of banknotes, but this cannot be guaranteed. We only stock certain denominations of the foreign currencies listed on the online ordering screen. Your order will be placed in accordance with the denominations available and will automatically be rounded to the next available denomination.

We appreciate that it is always handy to have a few small denominations available for small purchases at the start of your travels and we will endeavour to provide a mix of notes whenever possible.

We will endeavour to supply you with a mix of banknotes, but this cannot be guaranteed. We only stock certain denominations of the foreign currencies listed on the online ordering screen. Your order will be placed in accordance with the denominations available and will automatically be rounded to the next available denomination.

When will my payment card be debited?

When placing the order you will be requested to complete some of the following card details depending on the type of card used – e.g. card type, card number, card member name, issue date, expiry date, and/or verification number (if required).

As soon as you select the ‘Pay now’ button on your order, and the order is accepted online, we will validate your card and the availability of funds will be checked and held. If your order is not accepted funds should show on your account within the next 3-10 working days. Please be advised that the initial pre authorisation of these funds will not be taken by us if your order is not dispatched. It can take 3-10 working days for the pre authorisation to lapse and we would recommend that you contact your card issuer to speed up this process. This release of credit is determined by your card issuer and is not under the control of First Rate or Santander.

If you re-try payment with the same card your card issuer may hold the same amount again, thereby reducing your credit limit. If you believe your card payment has been incorrectly declined then please contact your bank/card issuer to check all your details are correct before contacting Customer Services as they will be able to provide you with more information than what First Rate can supply.

Please note, your payment card issuer may limit your maximum value of a cash transaction irrespective of your card limit. Please check with your card issuer should you experience unexpected problems with using your card on the website.

How will I know that the transaction has been successful?

You will receive confirmation on screen stating that the order has been successfully completed. You should print this off for your records. In addition an email will be sent to the email address you have provided.

If your order has been declined you will receive an on-screen message to this effect.

Will I receive a call from you in relation to my order?

Possibly. First Rate reserves the right to request further information from you at any time to enable them to complete your order and/or to comply with regulatory requirements. It is therefore important that you provide the correct contact details so First Rate can contact you should they need to obtain further information to process your order. Please note if First Rate is unable to contact you this may result in your order not being completed and a full refund being applied to your payment card. First Rate reserves the right not to conduct business with you for any reason at their discretion and you will be notified of any such decision. For security reasons we reserve the right not to inform customers of the reasons behind this decision.

Can I cancel my order?

Due to the nature of foreign currency as a money product, once an order has been submitted it cannot be changed. Any changes will be regarded as a cancellation by First Rate. Cancellation can only be undertaken prior to dispatch of your order by First Rate. First Rate, at its discretion, reserves the right to apply a cancellation charge up to the value of £20.00 per order.

What happens if I want my order to be delivered to a different address from my card billing address?

If you have selected home delivery, your order can only be delivered to the billing address of your card to protect you from unauthorised card use.

Do I need to be at my billing address when the order is delivered?

Yes, if you have selected home delivery. Your order will be delivered by Royal Mail Special Delivery™ service by 1.00pm (5.30pm in rural areas) and will need to be signed for. If no one is at the billing address when the order is delivered, the order will automatically go to your local sorting office. The Postman will leave a note advising you of this and you will be required to collect the item from your local sorting office or arrange re-delivery.

If there is a problem with placing the order, whom should I contact?

If you experience a problem placing your order please call the advertised Customer Services telephone number shown on the “Contact us” page of the Order Travel Money website.

When will I receive my order?

When you place your order you will be given the option to select a preferred delivery date. You will only be given the option for delivery on the next business day if your order is received and confirmed by 3:00pm on a business day. You have the option of Guaranteed Saturday delivery to your UK card billing address for an additional £1.50 fee. This amount will be displayed during the ordering process.

Orders confirmed on a Saturday, Sunday or UK Public holiday should be expected to be delivered 2 working days later.

Unless you are advised otherwise, deliveries to your UK card billing address will be made by 1:00pm on the delivery date you have requested (5.30pm in rural areas).

Occasionally Royal Mail may attempt to deliver on a Saturday even if you have not selected a Saturday delivery date. We cannot accept responsibility for this although we will mark the package with the requested delivery date and day.

How do I get further assistance?

For more details on our foreign currency service or queries regarding your order, call 0345 602 3945, Monday to Saturday from 8:30am to 5:30pm.

If you require technical assistance in using this site, call 0345 602 3945, Monday to Saturday from 8:30am to 5:30pm.

If my order does not arrive by the agreed time, whom should I contact?

If you do not receive your order by the agreed time please call 0345 602 3945, during our office hours, which are Monday to Saturday from 8:30am to 5:30pm. This number is also on your order confirmation email.
*Calls may be recorded for training and quality purposes.

How do I log off, when finished?

Once your order has been concluded, and you have printed the order confirmation screen, you can close the Order Travel Money screen. You should end your Internet connection as required.

Traveller's cheques

Where do I sign the traveller's cheques when I receive them?

When you receive the traveller's cheques you must sign them immediately, in the upper left-hand corner. This is so that the traveller's cheques can be reimbursed should they be lost or stolen at any time.

How do I cash traveller's cheques?

Simply present the traveller's cheque(s) at the bank or merchant where you wish to cash it. Make sure that the acceptor sees you countersign the traveller's cheque(s) in the lower left-hand corner. As long as the signatures match, payment is guaranteed by American Express.

When do I fill out the date on my traveller's cheques?

The date, in the upper right-hand corner, should be filled out upon use of the traveller's cheque, just like a personal cheque. Once you have dated the traveller's cheque it will need to be used within 6 months.

What happens if my signatures do not match?

The acceptor will usually allow you to re-sign the traveller's cheque on the back, and then compare the signatures. If the acceptor is unsure, they will call American Express to obtain authorisation.

Why do I have to show my passport when I encash my traveller's cheques abroad?

It is not American Express' policy to ask for identification when encashing traveller's cheques, however, some countries have local legal regulations which require identification to be shown.

If I return to the UK with some unused traveller’s cheques, what should I do with them?

You can either hold onto them for use on your next trip, or alternatively you can take them into any Post Office® or high street bureau de change outlet that offers buy-back facilities and exchange them for Sterling cash. Please note buy back rates will differ to sell rates.

Acceptance of traveller's cheques

Can I use my traveller's cheques in shops, hotels etc?

American Express Travellers Cheques are recognised around the world and can be used like cash at millions of retailers, hotels and restaurants. They can also be exchanged for local currency at banks, foreign exchange/bureau de change outlets and American Express Travel Service Offices. To find the nearest encashment location in your travel destination, please refer

When the full face value of the traveller's cheque is not used, is the change returned?

Yes, American Express Travellers Cheques are just like cash, but safer, so when the full face value of the traveller's cheque is not used the change is returned as cash in the local currency.

Do I need any forms of identification to encash or purchase goods with traveller's cheques?

In most cases you do not need any form of identification to encash or purchase goods with traveller's cheques as long as your counter signature matches that given on the cheque. However, some banks and merchants may ask for a passport or photo-ID for security purposes.

Is there a fee to cash traveller's cheques at merchants and/or banks?

Normally there is no fee when you use traveller's cheques to pay for goods and services at merchants (e.g. shops, restaurants and hotels). However, a small percentage of merchants and banks may charge a fee at their sole discretion.

Banks apply their own encashment policy when providing encashment and exchange transactions.

Hundreds of thousands of encashment partners worldwide including American Express Travel Offices encash your Travellers Cheques fee free.

Do establishments accepting American Express cards automatically accept American Express Travellers Cheques?

There is no direct correlation between those establishments accepting traveller's cheques and American Express cards. American Express Travellers Cheques are widely accepted globally. The number of merchants accepting them is increasing daily.


What should you do to ensure that your traveller's cheques are safe?

Unlike cash, with American Express Travellers Cheques you have the assurance of the world’s most comprehensive refund and travel assistance service.

When you receive your traveller's cheques you must sign them immediately on the top left-hand line. You are not protected against loss or theft until you do so.

Do not countersign your cheques until you use them, and then only in the presence of the acceptor.

Safeguard your traveller's cheques as you would for your cash.

Record the serial numbers, from the top right hand corner of your Cheques, and keep this record separate from the traveller's cheques – this is required to identify your Cheques should you need to report them lost or stolen.

Should I use traveller's cheques instead of foreign bank note currencies, credit cards or ATMs?

It is advisable to take a variety of payment methods with you when you travel. The benefits of traveller's cheques are as follows:

  • They are like cash but safer
  • They can be used as cash in many shops, hotels and restaurants around the world
  • They can be replaced worldwide if lost or stolen, usually within 24 hours
    They have no expiry date so can be kept for your next trip (unless you date them and then they are only valid for six months)

As they have insurance benefits, credit cards could be used for purchasing goods that you may want to bring back with you.

Small amounts of foreign currency should also be carried to cover expenses of travelling to your destination, such as refreshments, taxis, etc.

Use of credit / debit cards at ATMs allow you to obtain currency as you need it but in most cases you will incur extra charges for making a transaction abroad, for a cash advance and in some cases for use of the ATM.

If I return to the UK with some unused foreign currency, what should I do with it?

Unused currency can be exchanged for Sterling at Post Office® branches, banks and many high street bureau de change outlets.

What do I do if my traveller's cheques are lost or stolen?

For refund assistance please call the appropriate phone number as shown on your traveller’s cheque wallet at the earliest opportunity. Please have your traveller’s cheque serial numbers to hand when you call for refund assistance. Once your claim for refund is authorised, American Express Travellers Cheques will be refunded or replaced worldwide, usually within 24 hours.

Can I cash Euro traveller's cheque outside the Euro-zone?

Like any other major currency traveller’s cheques, Euro traveller’s cheques can be cashed throughout the world using the variable exchange rate between the national currency of that country and the Euro.

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