Travel Money Tesco: How to Get the Best Value in 2025
Introduction: Why Tesco Travel Money Is on Every Traveler’s Radar
Picture this: you’ve booked your flights, chosen your hotel, and even planned your must-try meals abroad. But one detail often gets left until the last minute — travel money.
For many UK travelers, Tesco Travel Money is a convenient go-to. With over 300 Bureau de Change locations and the ability to order online for home delivery, Tesco makes foreign currency as easy as your weekly shop. But how do its rates compare? Are there hidden fees? And is it the smartest option in 2025?
This guide breaks down everything you need to know about Tesco Travel Money, so you can decide if it’s the right fit for your trip — and how to stretch your holiday budget further. “Tesco Travel Money: How to Get the Best Value”
What Is Tesco Travel Money?
Tesco Travel Money is the supermarket giant’s foreign currency service, available both in-store and online. It lets you:
- Buy over 50 foreign currencies (from Euros and US Dollars to more niche options).
- Collect in-store at selected Tesco locations.
- Order online for home delivery (usually free over a certain amount).
- Access exclusive Clubcard rates for better value.
💡 Pro tip: If you’re a Tesco Clubcard holder, you can unlock more competitive exchange rates compared to walk-in customers.
Tesco Travel Money Exchange Rates: Are They Competitive?
When it comes to travel money, the exchange rate is everything. Tesco’s rates are updated daily, but they won’t match the mid-market rate (the “real” exchange rate you see on Google or XE.com).
Here’s what to keep in mind:
- Clubcard Advantage: Clubcard holders often get a small margin improvement on the rate.
- Comparison Check: Always compare Tesco against online currency providers and challenger banks like Wise or Revolut.
- Commission-Free: Tesco doesn’t charge commission, but the rate margin is where costs sit.
How to Buy Travel Money at Tesco
You can buy travel money from Tesco in three simple ways:
1. In-Store Purchase
- Visit a Tesco Bureau de Change (often located near larger Tesco Extras or Superstores).
- Pay by debit card, cash, or even credit card (though some issuers may treat it as a cash advance).
- Collect your currency immediately.
2. Online Order & Click + Collect
- Order via the Tesco Bank website.
- Collect in-store within 24–48 hours (depending on currency availability).
3. Home Delivery
- Free delivery for orders over £500.
- Delivery fee may apply under that threshold.
- Secure Royal Mail delivery, usually within 1–2 working days.
Tesco Travel Money Card: A Smarter Alternative?
Beyond cash, Tesco offers a Travel Money Card — a prepaid Mastercard designed for spending abroad.
Key features:
- Load up to 7 currencies (e.g., EUR, USD, AUD, CAD).
- Use anywhere Mastercard is accepted.
- Lock in exchange rates when you top up.
- Manage funds via the Tesco Bank app.
Pros:
- Safer than carrying large amounts of cash.
- Helpful for budgeting — you can’t overspend.
- No link to your main bank account.
Cons:
- Not always the best exchange rate compared to fintech cards like Revolut.
- Fees may apply for ATM withdrawals abroad.
Tesco Travel Money vs Competitors
| Feature | Tesco Travel Money | Post Office Travel Money | Wise/Revolut (Fintech) |
|---|---|---|---|
| Commission | None | None | None |
| Clubcard Advantage | Yes | No | N/A |
| Delivery | Free £500+ | Free £500+ | N/A (digital) |
| Travel Money Card | Yes | Yes | Yes (multi-currency) |
| Exchange Rate | Retail margin | Retail margin | Mid-market (no markup) |
💡 If convenience is your priority, Tesco is excellent. If the best possible rate matters most, fintech solutions usually win.
Common Concerns: Fees, Safety & Limits
Are there hidden fees?
Tesco does not charge commission, but the exchange rate margin is how they make money. Some banks may charge fees if you pay with a credit card.
Is it safe?
Yes. Tesco Travel Money is powered by Travelex, a long-established currency provider. Cash deliveries are insured and tracked.
Are there limits?
- Minimum order: £50 (online).
- Maximum order: £2,500 (online).
Tips to Get the Best Value with Tesco Travel Money
- Order in advance: Lock in better rates by avoiding last-minute airport kiosks.
- Use your Clubcard: Always enter your number for preferential rates.
- Split your strategy: Carry some cash, but also consider a prepaid card or fintech account for flexibility.
- Track rates: Use a currency tracker app before your trip to spot favorable days.
👉 Related reading: Smart Tips for Using Travel Deal Sites Effectively
Alternatives Worth Considering
Tesco is convenient, but alternatives may offer better value depending on your priorities:
- Post Office Travel Money – Wide availability, no commission.
- Currency Online Providers (e.g., Travelex, FairFX) – Order and deliver at home.
- Challenger Banks (Wise, Revolut, Monzo) – Use real exchange rates and avoid ATM fees.
Conclusion: Should You Use Tesco Travel Money in 2025?
Tesco Travel Money is a solid choice for convenience, especially if you’re already shopping at Tesco or want to collect Clubcard points. It’s commission-free, easy to access, and safer than airport currency exchange.
However, if you’re a rate hawk who wants the absolute best value, fintech cards like Wise or Revolut usually outperform traditional providers. The smartest strategy? Mix and match: grab a little cash from Tesco for peace of mind, but lean on a travel card or app for everyday spending abroad.
Call to Action
Planning your next trip? Start by securing your money strategy. Explore more guides on budget-friendly travel hacks and eco-friendly travel tips to make every journey smarter, cheaper, and more meaningful.
FAQ
Q1: Can I return unused foreign currency to Tesco?
Yes, Tesco allows buy-back of leftover currency, though the rate will differ from the one you bought at.
Q2: Does Tesco Travel Money deliver to home addresses?
Yes, free delivery is available for orders over £500. Orders under that may incur a small fee.
Q3: Is the Tesco Travel Money Card better than cash?
It depends. The card is safer and convenient for multiple currencies, but cash is essential for tipping and small transactions abroad.
