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Lloyds TSB introduces pre-paid travel money card

Lloyds TSB introduces pre-paid travel money card

British bank Lloyds TSB has launched a PIN-protected pre-paid re-loadable payment card designed to replace paper travellers' cheques and cash.

The Lloyds TSB Travel Money Card costs £7.50 and can be pre-loaded with between £150 and £3000 in either euros or US dollars. The card can be used to make purchases at retail outlets that acccept Visa payments and to withdraw money from ATMs. When abroad cardholders can call a telephone number to top up funds, check the balance and access details of recent transactions. The card is valid for two years allowing travellers to save unused cash from one trip for their next trip. At the end of the two years any unused funds can be transferred to a new card or sent back to the customer. Gerrard Schmid, Lloyds TSB transaction banking director, says the card is the future for foreign currency: "You can load only what you want to spend and feel confident that if it's reported lost or stolen the money can be credited to a new Travel Money Card and you won't be liable for any losses." Lloyds TSB says research conducted amongst its customers found that 69% are likely to consider taking the pre-paid with them next time they travel.

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April Summers

TSB Bank plc. is a UK bank offering both retail and commercial banking services. Originally founded in the early 19th century, today the bank has over 536 branches across England, Scotland, and Wales. Our review will take users through every aspect of TSB international transfers, including any exchange rate mark-ups, transfer fees and available currencies.

About TSB Bank

TSB stands for Trustee Savings Bank, a banking corporation founded in Dumfriesshire, Scotland, in 1810. In 1995 the bank merged with Lloyds Banking Group, one of the UK's Big Four, forming Lloyds TSB. Today, TSB provides more than 5.2 million customers with financial support in the form of insurance and mortgage solutions, along with the traditional banking and global transfer services.

From current accounts to credit cards, TSB Bank offers an array of financial products and support to their customer base. This review will focus on the different aspects of their international bank transfer services, in order to help our users make a well-informed decision when arranging their next cross-border payment.

Can I Use TSB Bank for International Bank Transfers?

Yes, TSB offers international bank transfer services in over 20 currencies. Customers set up global payments through the bank’s online payment platform, in-person or via phone.

TSB Exchange Rates and Fees

TSB charges a transfer fee on top of an exchange rate spread for all international transfers. Here are the costs to expect when using the bank’s services to send or receive money overseas.

Exchange Rates

Making international payments from your TSB account typically incurs an average profit margin of 5% above the mid-market rates . The exact margin will vary depending on the currencies involved, but even as an average margin, this is a great deal higher than the rate of exchange offered by specialised money transfer operators.

Transfer Fees

The fees incurred for an international bank transfer with TSB differ depending on how the payment is arranged:

Payments arranged through internet banking: £10.00 - £17.50 fee

Payments arranged in-person or over the phone: £20.00 fee

The sender can choose to pay all the fees themselves, share the charges with the recipient or ask the recipient to pay the full cost.

Additional Costs

If your recipient is based outside of the EEA (not a Euro transfer ) you may be charged an additional correspondent fee of up to £6.00.Customers will also be charged £2.00 - £7.00 for incoming international transfers deposited in their TSB account.

How Do TSB Bank Transfer Fees Compare to Using a Money Transfer Provider?

Based on the currency conversion costs and fee structure presented above, it seems moving money overseas with TSB is a far more costly option than the majority of money transfer providers on the market. Most specialist service providers apply minimal exchange rate mark-ups (0.05 - 1.5%) and many of them charge low or no fees.

TSB Pros and Cons

TSB is a well-respected bank with a substantial customer base, wide branch network and robust online financial services platform. However, users should consider all strengths and weaknesses before deciding whether or not to use a bank to send an international money transfer .

  • Extensive UK network: TSB currently has over 536 branches spread throughout England, Wales, and Scotland
  • Fee-free Euro transfers: The bank does not charge for payments sent in Euros within the EEA
  • Flexible transfer options: Customers can set up international transfers online, in branch or through telephone banking
  • High transfer fees: Customers could be charged £20 per transfer, a significant amount, especially for smaller transfers.
  • Large foreign exchange spread: Customers are likely to pay roughly 5% above the mid-market rate for foreign currencies
  • Delivery time: Payments can take 3-5 working days to be deposited to a foreign bank account
  • Incoming payment charges: TSB employs a receiving fee, in addition to correspondent fees, for incoming foreign transfers
  • Limited accessibility: This bank is available to UK customers only

How to send and receive money with TSB Bank

When dealing with international payments, some banks are more complicated than others. Luckily, TSB is well-equipped to handle cross-border transfers, and have developed an intuitive online platform and mobile app to help facilitate these kinds of transactions.

Sending Money

Step 1. Log in to your account via the online banking platform or mobile app

Step 2. Select the ‘Move Money’ option and tap ‘Transfers’

Step 3. Enter the account you want to transfer funds fromand the amount you wish to send

Step 4. Enter the beneficiary’s details (full name, contact details and bank account information)

Step 5. Select the payment frequency, desired transfer date and chosen currency

Step 6. Review the transfer in full, ensuring all the information has been correctly entered, then confirm

Receiving Money

If you are being sent money from overseas, you will need to give the sender your bank account information. Prepare to provide the following details:

Your personal details: this includes full name or company name, phone number and UK address

Your International Bank Account Number (IBAN) : this can be found in your online banking

TSB Bank's BIC (SWIFT code) : this is TSBSGB2A

What Customer Support Options Are Available?

The following options are available for customers who require help from TSB Bank:

Telephone: Call +44 20 3284 1575; customer service agents are available Monday to Saturday from 8.00 am - 8.00 pm, Sunday 8.00 am - 6.00 pm.

Live Chat: Available via the website or mobile app

FAQ Page: Review the Help and Support page

Visit this page for a full list of contact options available, categorised by topic.

TSB is a well-established, long-standing bank serving millions of people in England, Scotland and Wales. By offering international transfer services at over 500 bank branches as well as online via their banking platform and mobile, TSB makes it easy for customers to transfer money internationally.

However, customers must be aware that TSB charges high exchange margins (around 5%), high transfer fees, and is limited to 20 major currencies only. For this reason, the bank is not as well positioned as the specialist remittance companies that offer worldwide, low-cost, global transfers. Before sending any money abroad, we urge users to compare their options to ensure they are receiving value for their money.

Simplify the research process by using our comparison tool to discover the best money transfer deals on the market. It only takes a minute and could result in big savings the next time you send money to or receive money from abroad.

Other Banks

Answers to key questions about tsb.

Before using TSB to transfer your money internationally, we urge users to consider the following areas related to international finances.

Can I open a TSB Bank account in any country?

You can only open a TSB account if you are a UK resident, although the bank does offer alternative options for EU residents.

Does TSB Bank have an app?

Yes, TSB Mobile Banking is an app that is available to download for free on both iOS and Android devices. The mobile app can assist with the following:

Setting up and managing payments

Amending or cancelling payments

Contacting customer support

Moving money between TSB accounts

Are there transfer limits?

Yes, the maximum amount TSB customers can send online is £75,000 per day. This is pretty high compared to other service providers.

How long do transfers take with TSB Bank?

According to the bank, international transfers take 1 – 3 working days to be fully processed. This delivery window may extend to 5 working days depending on the intermediary and receiving banks’ security checks and processes.

Can I use a TSB Bank debit card when travelling abroad?

Yes, TSB assures customers they will be able to use their debit card overseas wherever Visa is accepted, albeit for an additional fee of 2.99% per transaction. Read the TSB You and Your Money Abroad guide to learn more.

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TSB international transfer: Fees, Time and Exchange Rates

Claire Millard

If you bank with TSB in the UK and need to send money overseas, you might be wondering about the costs and processes for sending an international payment with TSB. This guide has you covered with all you need to know about TSB fees, rates, delivery times and more.

TSB has been serving UK customers for some 200 years - and today has over 5 million account holders. However, if you need to send a payment overseas, TSB isn't necessarily your best option. Specialist services like Wise or OFX are fast and easy to use - and could make your transfer cheaper.

TSB international money transfer comparison

Let’s take a look at the fees which are important when sending an international transfer . You might run into a few different costs - some of which are easy to spot, and some of which may come as an unpleasant surprise. Here’s what you need to watch out for:

Transfer fee - this may be low, or free - and can vary based on how you arrange your payment

Exchange rate markup - this can be the highest fee, but it’s often hard to see

Correspondent bank fees - these fees go to intermediaries involved in the transfer process

We’ll walk through these costs one by one in just a moment. First, let’s take a look at a comparison of the costs and delivery times for sending an international transfer with TSB compared to some specialist providers. Here we’ll use the fees that would apply for a payment of 1,000 GBP to a friend in France, made online and to be received directly into the French euro bank account.

*Fees and exchange rates correct at time of research - 7th June 2022

https://www.tsb.co.uk/help/internet-banking/international-payments/

https://www.westernunion.com/gb/en/frequently-asked-questions/faq-send-money-online.html#Q2

https://www.ofx.com/en-gb/faqs/how-long-will-my-transfer-take/

The final costs for your TSB international transfer will depend on where you’re sending money to, and how you set up your payment. As well as any upfront transfer fee, you may pay a correspondent fee of 6 GBP. This cost can be passed onto your recipient in some cases, instead of you covering the charge. Other fees may also be deducted by intermediaries or your recipient’s own bank as the payment is processed.

You’ll see the exchange rate being offered by TSB when you arrange your payment online or in a branch. It’s good to know that bank exchange rates usually include a markup - a percentage fee added to the mid-market exchange rate. This is commonly around 3%, which doesn't sound huge, but does mean you’re paying more than you think for your transfer.

Compare TSB with some alternatives, to see if you can get a lower overall fee and a faster delivery time with a specialist money transfer service. Services like Wise use the mid-market exchange rate with no markups, making it far easier to see the true cost of your transfer in advance. Specialist money transfer services are secure and simple to use, and you can usually transact 24/7 online and through mobile apps.

TSB international transfer fees

The final costs of your payment with TSB will depend on where you’re sending money to and how you arrange your transfer. Some accounts have slightly different fees, so it’s worth checking your own account terms and conditions before you get started. Here’s a rundown:

TSB exchange rate

When you send a payment from a TSB account that’s held in pounds, to an account in a different currency, TSB will exchange currencies as part of the transfer, using the live TSB exchange rate on the day. You’ll be able to see the exchange rate that’ll apply online - or if you’re making the payment in a branch, you’ll be notified by the service staff.

It’s important to note that bank exchange rates tend to include a markup, which is an extra fee, often of around 3%. That might not seem like a lot, but it soon adds up, and can be far more than any other charge involved in moving money across borders.  Here’s how the fee would stack up with a 3% margin used for different transfer values:

Sending 1,000 GBP - the exchange rate markup adds 30 GBP to the total

Sending 5,000 GBP - the exchange rate markup adds 150 GBP to the total

Sending 50,000 GBP - the exchange rate markup adds 1,500 GBP to the total

Here’s a reminder of the total costs - including exchange rate markups - from the providers we looked at earlier. This is what you’ll pay with each if you set up your payment online and send 1,000 GBP to a euro denominated account:

TSB: No transfer fee, but exchange rate margin applies + relevant intermediary bank fees

Wise : 4.28 GBP

OFX : No transfer fee, but exchange rate margin applies

TSB additional fees

Bank international transfers are usually processed through the SWIFT payment network. This is a reliable, but fairly expensive way to move money internationally, and can result in surprise fees. In the SWIFT system, your money will be moved through 1 - 3 intermediaries known as correspondent banks, on the way to the destination account. While you’ll pay any charges TSB levies on your transfer, these intermediaries may also deduct fees from the amount being transferred, to cover their costs and charges. This can mean your recipient gets less than you expect in the end.

You can sometimes opt to pay all SWIFT charges yourself if you arrange your transfer by phone or in a branch - but higher transfer fees may apply in this case. Alternatively, pick a specialist provider which avoids the SWIFT network and its costs - like Wise. Your money might arrive faster, and you’ll be sure there are no surprise fees to worry about.

How long does a TSB international money transfer take

How long it takes for your money to arrive with TSB will depend on where your payment is headed, and whether you hit the cut off times on the day you initiate the transfer. Here are the anticipated delivery times assuming you meet the cut off on the day you set up your transfer:

The cut off time for sending a payment is 4:30pm. If you arrange your transfer after this - or at a weekend or public holiday - your transfer will start to be processed on the next working day.

Here’s a reminder of the delivery times for international transfers from TSB and a few other providers:

TSB: Up to 12 working days depending on the destination country

Wise : 80% of payments arrive in 24 hours

Western Union: Up to 2 days

OFX : 1 - 2 business days

Pros and cons of transferring money abroad with TSB

Safe, familiar and reliable service

Arrange online, by phone or in a branch

No upfront fee for euro transfers to the EU and EEA

Exchange rates may include a markup

Delivery times can be high when sending to anywhere other than the EU and EEA

High fees for in branch and telephone transfers

Correspondent fees may apply - and can not always be known in advance

In many cases, you’ll get a better exchange rate and a lower overall cost if you choose a specialist provider for your payment, instead of relying on your regular bank.

How to make an international transfer with TSB

Send a payment in branch, by phone, online or in TSB’s mobile banking service. Sending a payment online or using your smartphone is usually cheapest and most convenient. You’ll need to:

Log into your online banking

Navigate to the payments section

Follow the prompts to add the currency and amount you want to send

Check the rates and fees

Enter your recipient’s details

Confirm and your payment will be on its way

What information do you need to make an international transfer with TSB?

You’ll need to provide TSB with:

the full name and address of the person you want to pay

the name and address of the bank of the person you want to pay

the International Bank Account Number (IBAN)

the Bank Identifier Code (BIC)

Transfer limits and available countries

You can send up to 75,000 GBP from any one account in any one day. That means that if you have a joint account your daily limit remains at 75,000 GBP - the same as for individual account customers.

TSB international payments can be sent to a broad range of countries and currencies. Log into yout online or mobile banking service to get a full rundown of the available countries and currencies for your account type.

Receiving money from abroad with TSB

If you’re expecting a payment from overseas to your TSB account you’ll need to give the sender your account information to make sure the transfer arrives safely. Usually, this will mean passing on:

Your full name as shown on your account

The SWIFT/BIC code for your account

Once your payment is on its way you won’t need to take any action - the money will be deposited into your TSB bank account when it’s cleared. However, there may be a fee to pay when you get your transfer, depending on the currency:

No fee to receive euros

Non-euro payments under 100 GBP value - 2 GBP fee

Non-euro payments  over 100 GBP value - 7 GBP fee

TSB SWIFT code

It’s important to give the sender the correct SWIFT/BIC code if you’re expecting a foreign transfer. This is like a postcode for international payments and makes sure your money arrives at the right destination bank, even from the other side of the world. Giving the wrong SWIFT can mean your transfer is delayed or rejected. Here’s what you need:

The TSB SWIFT code is TSBSGB2A

Using your regular bank for an international transfer might seem like the obvious option, but it can work out pretty costly and slow. While some international payments with TSB don’t have an upfront transfer fee - or may come with fairly low transfer charges - you’ll need to bear in mind the exchange rates and intermediary fees which can push up overall costs significantly. Because banks add a markup to their exchange rates, you could end up paying more than you expect - and if SWIFT fees are deducted as the transfer is processed, your recipient could end up with less than you anticipate, too.

Compare the costs of TSB international transfers against the fees, rates and delivery times offered by international transfer specialists like Wise to see if you could save. Specialist services are usually very easy to use, online or through an app - and can mean a better rate, lower fee, and faster payment time, too.

Transfers made online, and sent within the EEA are free. All other payments up to 5,000 GBP come with a 10 GBP fee, while transfers above 5,000 GBP have a 17.50 GBP fee. Non-euro payments made in a branch or by phone cost 20 GBP.

Euro payments may arrive the next working day, payments on major routes typically take 4 working days, while any other payment can take up to 12 working days.

Send your TSB international transfer online, in the TSB mobile banking app, in a branch or by phone. Different fees apply based on how you set up your payment.

3 banks travelers should use to save money on fees

Andrew Kunesh

Update: Some offers mentioned below are no longer available. View the current offers here .

If you're an avid TPG reader, you already know that credit cards are an integral part of travel. But did you know that picking the right bank account can be just as important?

Having the right bank can help you save money and give you more flexibility in managing your money when you're on the road. But with so many choices out there, how do you find the right checking account for your travel style and lifestyle as a whole?

You'll want to start by looking at your banking needs. Do you want access to fee-free ATMs around the world? What about a premium mobile-banking experience? And if you mostly travel abroad, you'll want to keep fees in mind too. Foreign transaction fees can add up, and some banks will add hefty withdrawal fees at foreign ATMs.

To help you find the best bank for your travel needs, we teamed up with our sister website, Bankrate , to help you find the best bank for your travel needs. Bankrate publishes an annual study on the best banks in the U.S . and breaks its findings down into different categories, such as Best Big Bank, Best Regional Bank and others.

Bankrate gave us all its data, and we've looked through it to find the best banks for travelers in 2021. We then set our own criteria for what a good travel bank should offer and sifted through the data to find what we consider to be the best banks for travelers.

In the end, there was one clear winner and two solid runner-ups. In the article below, I'll discuss the criteria we used to find the best travel banks. Then, I'll introduce you to the three banks that stood out the most.

Let's get started!

For more TPG news delivered each morning to your inbox, sign up for our daily newsletter .

The criteria for picking a good travel bank

tsb bank travel money

As a frequent traveler, there are a couple of important things to consider when picking a bank.

When you're on the road, you want a bank that offers low fees, a great online experience and access to a large network of ATMs. These can make all the difference when you're traveling for work or pleasure and may even save you money at the same time.

Here's a look at the criteria we kept in mind as we looked for the best banks for travelers:

  • Number of ATMs: When traveling domestically, you'll want access to a large network of ATMs where you can withdraw money for free.
  • ATM fee reimbursements: Private ATMs and foreign banks often charge fees when you withdraw money. You'll want an account that reimburses these, so you don't have to think twice before using an ATM from a different bank.
  • Monthly fees: Just because you're a traveler doesn't mean you should be subject to a monthly maintenance fee. We focused on finding banks with either no monthly fees or monthly fees that were easy to waive.
  • Debit card foreign transaction fees: These fees are charged when you make a debit card transaction in a foreign currency. These can range from 0% to 5% depending on the bank, and we only recommend going with an account on the low-end of the spectrum.
  • Mobile and online banking experience: Traveling means being away from home — and likely your bank branch. You'll want a bank with a solid online experience that you can use to manage your account, pay bills and move money. We'll use the Apple App Store rating to assist with this metric.
  • Lockdown-ability: Unfortunately, traveling can make you the victim of fraud. You'll want an account that's easy to restrict if need be — namely, you want to be able to disable your debit card from the mobile app.
  • Mobile wallet support: You'll want a bank account whose debit card you can use with Apple Pay , Google Pay or another popular mobile wallet.
  • Contactless debit card: Contactless payments are on the rise in the U.S., but they're especially important abroad. Banks with contactless debit cards received a leg-up in this article.
  • Interest rate: Sure, you won't make much interest by keeping money in a checking accounts. That said, it's worth keeping this in mind as you shop around — especially if you keep a large sum of money in your checking account.

So without any further ado, these are the best banks for travel.

Related: Introducing Bask Bank, a new way to earn miles

Winner: Schwab Bank High Yield Investor Checking®

tsb bank travel money

Charles Schwab Bank didn't win any awards on Bankrate's best banks list, but it takes the cake for the best checking account for international travelers. This is in large part due to its low-fees, unlimited ATM reimbursements and perks with American Express.

Here's how Schwab Bank High Yield Investor Checking® account stacks up to our listed criteria:

The Schwab Bank High Yield Investor Checking® account doesn't charge foreign transaction fees and includes unlimited ATM fee rebates worldwide. This means you can use your included debit card anywhere in the world for cash withdrawals or charges without paying a penny more than you have to.

Another upside to Schwab is that it has physical bank branches around the U.S. This is something you won't find with many startup banks that offer ATM fee reimbursements. At these branches, you can talk with bankers about your accounts and investments.

Likewise, the bank had no monthly maintenance fees. There are no minimum balances either, and you don't even need a direct deposit to keep the account fee-free. This is a huge benefit if you open a separate checking account for travel.

Finally, there's one awesome perk for miles and points collectors: you're eligible to open an American Express Platinum Card® for Schwab once you open this checking account. This includes all the same features as a standard Platinum Card® from American Express, plus the ability to cash out Membership Rewards points at 1.25 cents per point to a Schwab account.

One of the downsides to this account, however, is its mobile app. It has good reviews in the Apple App Store and Google Play but looks dated compared to other banks like SoFi Money. You'll want to use the web interface to do more advanced tasks.

While a good online mobile experience is criteria for a good traveler's bank, we're willing to look past it for Schwab. No other bank offers quite as much flexibility when it comes to ATMs and foreign transaction fees as Schwab, and that's a far more important perk for your wallet.

Another downside to the Schwab Bank High Yield Investor Checking® account is its interest rate. Rates are low right now due to the economic impact of the coronavirus pandemic , but this account still only yields 0.03% APY. This is lower than many high yield checking accounts but better than what you'll find with many others.

Lastly, you need to open a Schwab One brokerage account to be eligible to open a Schwab Bank High Yield Checking Account. Thankfully, this is easy and fee-free, but it's an extra step and another account to manage.

Related: 7 ways to save on overseas ATM withdrawals

Runner up: Capital One 360 Checking

tsb bank travel money

Capital One 360 is Capital One's premier online checking account, the winner of Bankrate's Best Big Bank of 2021 award. It turns out the bank is a solid option for travelers too — it has a solid mobile app and no foreign transaction fees. Plus, it has physical branches in some U.S. states.

One of the best parts of Capital One 360 is its mobile app. It's polished and well designed, making pretty much every banking task quick and easy. Plus, there's an intuitive ATM finder you can use to find fee-free ATMs around the U.S. — this is important since the account doesn't reimburse ATM fees.

That said, the bank has 2,000 ATMs of its own and access to 55,000+ ATMs in the AllPoint network. This should be more than sufficient for most domestic travelers as Allpoint ATMs are located in convenient places like Walgreens, CVS and Speedways. You should be able to find one wherever you travel.

The bank doesn't charge any foreign transaction fees either. This is good for using fee-free international ATMs and using your debit card for purchases. Of course, we recommend using a rewards credit card that doesn't charge foreign transaction fees if you can.

Capital One's debit cards have support for popular mobile wallets such as Apple Pay. Likewise, they have contactless payment support on all new debit cards. This makes it easy to pay with a tap wherever you are in the world.

One major upside to Capital One is its physical branches around the U.S. This makes the bank a good option for travelers who want access to physical banking locations. Some of these locations are Capital One Cafes, which have coffee shops, free Wi-Fi and minimal banking service. Capital One cardholders get 50% off coffee and other purchases, which is a nice perk if you work or live near a cafe.

The biggest downside to using Capital One 360 checking is the lack of ATM fee reimbursements. Around the U.S., you'll want to stick with Capital One and AllPoint ATMs for your day-to-day ATM usage. There is no additional fee for using third-party ATMs, but you will be subject to paying the operator's fee. This can be a major issue in countries like Brazil, which can have large fees for international debit cards.

The bank also earns a very low interest rate of 0.1% APY. It's larger than Schwab's 0.03% but still lower than we'd like to see. Again, this isn't a huge issue unless you keep a large balance in your checking account.

Related: Dirty money: Could ditching cash keep you healthier this season?

Runner up: Axos Bank Rewards Checking

tsb bank travel money

Axos has the potential to be a great bank for domestic travelers. Its Rewards Checking account gives unlimited ATM domestic reimbursements and allows you to earn up to 1.25% APY in interest if you meet certain requirements. Unfortunately, however, it charges a foreign transaction fee.

Axos Bank is an online bank based in San Diego. Its mobile-first methodology is apparent with high App Store reviews. The mobile app is polished and has all the features you'd expect in 2021, like the ability to lock down your debit card, move funds and keep track of where you move your money.

You also have access to unlimited domestic ATM fee reimbursements. This is helpful as Axos doesn't have physical branches or its own ATMs. Instead, use whichever ATM is most convenient for you, whether at another bank or your local deli.

Unrelated to travel, the bank offers up to 1.25% APY on purchases so long as you meet a set of requirements each month. Each of these things gives you an additional 0.4166% APY for the month — meeting all three will give you the full 1.25%.

  • Monthly direct deposits totaling $1,000 or more
  • Use debit card for 10 transactions, $3 minimum per transaction
  • Make 5 more debit card transactions, $3 minimum per transaction

This is a solid interest rate if you can meet the requirements every month. You'll earn this interest rate on balances up to $150,000. 1.25% APY is more than what most high-yield savings accounts earn, so this can be a good deal if you keep cash and can meet the requirements.

Like Schwab and Capital One, this account has no monthly fees.

The biggest downside to using Axos bank is that it charges a 1% foreign transaction fee when you pay in an international currency. This includes debit card purchases abroad, online purchases in another currency and ATM withdrawals. You'll pay an extra penny for every dollar you spend, meaning a $100 transaction would cost $101.

This doesn't seem like a lot on paper — especially if you usually charge international expenses to a credit card — but it can add up. This is especially true if you travel to a country with a cash-based economy that will require you to withdraw money from an ATM regularly.

Likewise, the account only reimburses ATM fees in the U.S. and not at international ATMs. This makes you subject to potentially high ATM service fees abroad. This won't be a dealbreaker for domestic travel, but it can be a major headache for international jet setters.

We're also not sure if Axos includes contactless debit cards since the bank's website doesn't mention it. Thankfully, it does support mobile wallets like Apple Pay, so you're still covered if you need to make a purchase at an international kiosk.

Related: This sneaky debit fee could cost you on your next foreign transaction

Bottom line

Having a good checking account can make your travels a lot easier. With the right bank, you can leave foreign transaction and ATM fees behind and have a good mobile banking experience.

This year, we think Schwab is the best bank for travelers. It charges next to zero fees and will let you withdraw from as many ATMs as you like. Depending on how often you travel (or need cash), this can mean real savings. Plus, no monthly maintenance fee makes it a good option for a secondary travel checking account.

For those mostly traveling within the U.S., Axos' Rewards Checking account could be another good option. It has unlimited domestic ATM fee reimbursements, no monthly fee and earns up to 1.25% APY on your balance if you can meet the direct deposit and debit card transaction minimum. Unfortunately, it does charge a foreign transaction fee.

Capital One 360 can be a good option for those who want access to some physical banking locations around the U.S., but it doesn't reimburse any ATM fees. That said, it has access to nearly 60,000 fee-free ATMs around the country and doesn't add foreign transaction fees.

Feature photo by WAYHOME studio/Shutterstock

Cards, Loans & Savings

Car & home insurance, pet insurance, travel insurance, travel money card, life insurance, travel money, exchange rate calculator.

Nectar members get better rates on travel money*

  • Europe - Euro (EUR)
  • USA - U.S. Dollar (USD)
  • United Arab Emirates - UAE Dirham (AED)
  • Australia - Australian Dollar (AUD)
  • Canada - Canadian Dollar (CAD)
  • New Zealand - New Zealand Dollar (NZD)
  • Switzerland - Swiss Franc (CHF)
  • Thailand - Thai Baht (THB)
  • Aland Islands - Euro (EUR)
  • American Samoa - U.S. Dollar (USD)
  • Andorra - Euro (EUR)
  • Anguilla - East Caribbean Dollar (XCD)
  • Antigua and Barbuda - East Caribbean Dollar (XCD)
  • Austria - Euro (EUR)
  • Bahrain - Bahraini Dinar (BHD)
  • Belgium - Euro (EUR)
  • Bulgaria - Bulgarian Lev (BGN)
  • China - Chinese Renminbi (CNY)
  • Cook Islands - New Zealand Dollar (NZD)
  • Costa Rica - Costa Rican Colon (CRC)
  • Croatia - Euro (EUR)
  • Cyprus - Euro (EUR)
  • Czech Republic - Czech Koruna (CZK)
  • Denmark - Danish Krone (DKK)
  • Dominica - East Caribbean Dollar (XCD)
  • Dominican Republic - Dominican Peso (DOP)
  • Ecuador - U.S. Dollar (USD)
  • El Salvador - U.S. Dollar (USD)
  • Estonia - Euro (EUR)
  • Faroe Islands - Danish Krone (DKK)
  • Fiji - Fijian Dollar (FJD)
  • Finland - Euro (EUR)
  • France - Euro (EUR)
  • French Guiana - Euro (EUR)
  • French Southern Territories - Euro (EUR)
  • Greece - Euro (EUR)
  • Greenland - Danish Krone (DKK)
  • Grenada - East Caribbean Dollar (XCD)
  • Guadeloupe - Euro (EUR)
  • Guam - U.S. Dollar (USD)
  • Haiti - U.S. Dollar (USD)
  • Holy See (Vatican City State) - Euro (EUR)
  • Hong Kong - Hong Kong Dollar (HKD)
  • Hungary - Hungarian Forint (HUF)
  • Iceland - Icelandic Króna (ISK)
  • Indonesia - Indonesian Rupiah (IDR)
  • Ireland - Euro (EUR)
  • Israel - Israeli New Sheqel (ILS)
  • Italy - Euro (EUR)
  • Jamaica - Jamaican Dollar (JMD)
  • Japan - Japanese Yen (JPY)
  • Jordan - Jordanian Dinar (JOD)
  • Kenya - Kenyan Shilling (KES)
  • Kiribati - Australian Dollar (AUD)
  • Korea, Republic of - South Korean Won (KRW)
  • Kuwait - Kuwaiti Dinar (KWD)
  • Liechtenstein - Swiss Franc (CHF)
  • Lithuania - Euro (EUR)
  • Luxembourg - Euro (EUR)
  • Malaysia - Malaysian Ringgit (MYR)
  • Malta - Euro (EUR)
  • Marshall Islands - U.S. Dollar (USD)
  • Martinique - Euro (EUR)
  • Mauritius - Mauritian Rupee (MUR)
  • Mayotte - Euro (EUR)
  • Mexico - Mexican Peso (MXN)
  • Micronesia, Federated States of - U.S. Dollar (USD)
  • Monaco - Euro (EUR)
  • Montenegro - Euro (EUR)
  • Montserrat - East Caribbean Dollar (XCD)
  • Nauru - Australian Dollar (AUD)
  • Netherlands - Euro (EUR)
  • Niue - New Zealand Dollar (NZD)
  • Norfolk Island - Australian Dollar (AUD)
  • Northern Mariana Islands - U.S. Dollar (USD)
  • Norway - Norwegian Krone (NOK)
  • Oman - Omani Rial (OMR)
  • Palau - U.S. Dollar (USD)
  • Panama - U.S. Dollar (USD)
  • Peru - Peruvian Nuevo Sol (PEN)
  • Philippines - Philippine Peso (PHP)
  • Pitcairn - New Zealand Dollar (NZD)
  • Poland - Polish Zloty (PLN)
  • Portugal - Euro (EUR)
  • Puerto Rico - U.S. Dollar (USD)
  • Qatar - Qatari Riyal (QAR)
  • Romania - Romanian Leu (RON)
  • Saint Barthélemy - Euro (EUR)
  • Saint Kitts and Nevis - East Caribbean Dollar (XCD)
  • Saint Lucia - East Caribbean Dollar (XCD)
  • Saint Martin (French part) - Euro (EUR)
  • Saint Vincent and the Grenadines - East Caribbean Dollar (XCD)
  • San Marino - Euro (EUR)
  • Saudi Arabia - Saudi Riyal (SAR)
  • Singapore - Singapore Dollar (SGD)
  • Slovakia - Euro (EUR)
  • Slovenia - Euro (EUR)
  • South Africa - South African Rand (ZAR)
  • Spain - Euro (EUR)
  • Sweden - Swedish Krona (SEK)
  • Taiwan - New Taiwan Dollar (TWD)
  • Timor-Leste - U.S. Dollar (USD)
  • Tokelau - New Zealand Dollar (NZD)
  • Türkiye - Turkish New Lira (TRY)
  • Turks and Caicos Islands - U.S. Dollar (USD)
  • Tuvalu - Australian Dollar (AUD)
  • Vietnam - Vietnamese Dong (VND)
  • Virgin Islands, British - U.S. Dollar (USD)
  • Virgin Islands, U.S. - U.S. Dollar (USD)
  • No matches found

nectar_logo

Exchange rates may vary depending on whether you buy instore, online or by phone.

^ Travel money cards are available on selected currencies only.

Buy travel money

Buy, exchange money and order foreign currency online, by phone, or at our bureaux.  

How to get travel money with Sainsbury’s Bank

Need holiday money? Order currency online, by phone or visit a Sainsbury’s store with a bureau today. Or get a Sainsbury’s Bank Travel Money Card for easy and secure spending overseas.  

There are various ways to buy travel money with Sainsbury’s Bank. Choose the method that’s easiest for you. 

1.    Buy currency online for home delivery.  2.    Order currency online and collect instore. 4-hour click and collect available. T&Cs apply.  3.    Buy currency via telephone. 4.    Visit one of our bureaux to buy currency in a Sainsbury’s store.  

Buy a prepaid travel money card

Our travel money card makes it safe and easy to manage and spend your holiday money.  1.     Order for collection – Collect your travel money card from your nearest Sainsbury’s Bank bureau. 2.     Order for delivery – We’ll send your travel money card straight to you. 3.     Download the app or log in online  – Check your balance, exchange between currencies, top up and manage your account.  

Where can you get foreign currency with Sainsbury’s?

Get travel money delivered to you.

Order online or by phone and we’ll mail your holiday money to you securely via special delivery. Order more than £400 of foreign currency and get free delivery.  

Collect travel money instore

Visit a store with an instore travel bureau to collect your travel money on your next weekly shop.

In a hurry? You can now order and collect Euros, US Dollars, and Travel Money Card pre-paid orders in as little as 4 hours with our click and collect travel money service^.

Click and collect currency the same day at a Sainsbury’s Bank travel money bureau when you:

  • Order Euros, US Dollars, or a Travel Money Card
  • Place your order on a Monday to Friday (excluding Bank Holidays), and
  • Order at least 4hr before the bureau’s scheduled closure time

For orders made outside of this period, or for any other currency, you will be able to select your preferred collection date when placing your online order.   

Get your travel money card delivered to you

We’ll send your travel money card straight to you, with your PIN arriving separately for security.  

Visit one of our bureaux 

We have stores with instore travel bureaux across the UK where you can pick up holiday money on the day.  

Why use Sainsbury’s Bank for foreign currency

  • Wide range of currencies, including USD and EUR We offer over 50 different foreign currencies, so it’s easy to get the holiday money you need.
  • Nectar Prices Nectar members get better exchange rates both online, on the phone and at our bureaux. See our Nectar member benefits .*
  • Currency buy-back  Got holiday money left over when you get home? We’ll buy back most foreign currency, so you’re not out of pocket. 
  • Pick up your travel money in one of our stores Within travel bureaux  across the UK, it’s convenient to pick up holiday money as you shop with Sainsbury’s Bank.
  • Multiple ways to order and receive travel money Order online or by telephone, collect instore or receive holiday money by post – the choice is yours.
  • 24/7 telephone assistance and online portal   Our team are on hand to help with your travel money card any time of the day or night, no matter where you are in the world. 
  • Access to Western Union You can send an international money transfer instore with  Western Union Money Transfer® services .

Choose your foreign currency

From Euro and US Dollar to Swedish Krona and Japanese Yen, we have more than 50 foreign currencies from all over the world. 

Take a look at our most popular currencies.

Euros

Add to your travel money card to withdraw and spend on holiday.

US Dollar - USD

US Dollar (USD)

Order by telephone and receive your travel money in the post.

United Arab Emirates Dirham - AED

Dirham (AED)

Order online for bureau collection or buy directly instore.

Turkish Lira - TRK

Turkish Lira (TRK)

Buy travel money at one of our bureaux de change.

Thai Baht - THB

Thai Baht (THB)

Order currency online and get free delivery over £400.

Canadian Dollar - CAD

Canadian Dollar (CAD)

Get a travel money card instore to use on holiday in Canada.

Frequently asked questions

Are there any administration fees.

No, we don't charge any administration fees when you order currency from us.

Will I be charged for using my credit/debit card?

No, we don’t charge any extra when you buy foreign currency by card.

Some card providers may charge a cash advance fee and interest for buying currencies. Cash advance fees will not show on your travel money order, but you’ll be able to see them on your card statement. If you’re not sure, you should check with your card issuer.

There is no cash advance fee when you use a Sainsbury’s Bank Credit Card. No interest will be charged, as long as the full outstanding balance on the credit card is cleared during the current billing cycle. If a balance remains on the account at the end of the billing cycle, interest will be charged and may apply to the currency purchased.

Do I get any benefits for being a Nectar member?

Yes, you do. If you tell us your Nectar card number when you place your order, we’ll give you a better exchange rate*. Not a Nectar member? Sign up today .

When will I receive my home delivery order?

You can select a specific working day delivery date up to seven days in advance. Please note Saturday deliveries are not guaranteed. Also, if you’ve chosen a Monday delivery, Royal Mail may try to deliver on Saturday.

The earliest day you’ll be able to select for delivery is:

What are the home delivery fees?

How much money can i order online.

Orders for collection at any Sainsbury's Bank Travel Money Bureau or for home delivery are subject to a maximum value of £4,500 per person per day.

All home delivery orders are subject to a minimum value of £100** and a maximum of £2,500. There is no minimum order value for orders for collection at a Sainsbury's Bank Travel Money Bureau.

How long will my travel money card take to arrive?

We’ll send out your travel money card as soon as you order it, so it should be with you in three to five working days. You can also get a travel money card immediately at our bureaux if you need yours at short notice. 

Can I exchange unused travel money?

Yes, we can buy back your foreign currency. Just bring your unused currency back to a Sainsbury’s Bank travel money bureau and we’ll exchange it back to sterling. Please note that we can buy back notes but not coins. 

Terms and conditions

*Nectar members receive better exchange rates on single purchase transactions of all available foreign currencies. Excludes travel money card home delivery orders and online reloads. Exchange rates may vary depending on whether you buy instore, online or by phone.© You need to tell us your Nectar card number at the time of your transaction. No cash alternative is available. We reserve the right to change or cancel this offer without notice.

**You can order currency for a secure home delivery by 1pm on the day of your choice by Royal Mail (Mon- Sat). For next day delivery your order needs to be confirmed before 2pm (Mon- Fri). Please note that whilst Royal Mail make every effort to delivery on schedule, we cannot guarantee this as it is beyond our control. Highlands and Islands (including Channel Islands) are not guaranteed next day delivery. Delivery is free on all cash orders £400 or more (£4.99 for orders between £100 and £399.99). The minimum order for home delivery is £100. The delivery day quoted is dependent on the order day being a working day; if one of those days is a public holiday then additional day(s) will be added accordingly. All home delivery orders are sent via Royal Mail Special Delivery, unless we advise you otherwise, to your billing address, and a signature will be required upon delivery. A valid telephone number is required for home delivery. ^ For Euro, US Dollar and Travel Money Card only:

If you selected same-day collection your order will be available 4 hours from the initial order confirmation email received or if your order was placed before 6 am then the earliest your order will be available to collect is from 10 am. Please allow at least 4 hours for your order to be processed. Remember to check the bureau opening hours before collecting your order.

If you selected tomorrow or a future date your order will be ready from 10 am on your chosen collection date. For all other currencies

Your order will be available from 2.00 pm on your chosen collection date.

Your order should be collected within 72 hours or will be subject to cancellation. Sainsbury's Bank Travel Money Card is issued by PrePay Technologies Limited pursuant to license by Mastercard International. PrePay Technologies Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900010) for the issuing of electronic money and payment instruments. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.  

Find more Terms & Conditions here

Nectar prices for Nectar members*

Foreign Exchange

Sort your money for travelling or sending overseas

We’re making changes to foreign cheques

From 29 March 2024 we will no longer be accepting foreign cheques. This is due to a significant drop in the number of foreign cheques being deposited, and more customers moving to safer and more efficient ways to receive overseas payments. Read more .

Limited foreign cash services

We are currently providing limited foreign cash services and will only offer AUD, USD, GBP & EUR until further notice.   You need to be a TSB customer to use our foreign exchange services. View changes

Foreign Cash Calculator

Clipart of money

Foreign currency

Get your travel money sorted before you head off so there's one less thing to think about when you pack.

Clipart of coins

International payments

Also known as a telegraphic transfer, an international payment is a secure way to transfer money to and from overseas.

Call 0800 872 226

Find a branch, don't forget to read this bit.

Foreign Exchange services are only available to TSB customers.

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  • Travel Money

tsb bank travel money

Order Travel Money

Next-day delivery gives you one less thing to sort out before you travel.

You can do this online

  • Order online by 1pm for free next-day delivery at home or collection from a branch .
  • Get a wide range of currencies, including popular ones like U.S. dollars and euros.
  • No hidden fees and preferential rates with a Club Lloyds account .

You need a Lloyds Bank current or savings account, and Internet Banking access.

View delivery timescales and cut-off times

Steps to take

We’ll guide you through it.

Mobile Banking app guide expandable section

Internet banking guide expandable section.

1. Log on and go to the Other services  menu on the left. Select Travel money .

2. Select the currency you'd like to buy. Then enter the amount you want.

3. Review your quote. If you're happy, select delivery type.

4. Choose your delivery option. We can send your order to your home address. Or you can collect it from a branch of your choice.

5. Select your payment option on the payment details page.

6. Confirm you’ve read the terms and conditions. Then select Confirm order .

7. Once completed, you'll see a success message. Your order will then be ready for you, as  explained here .

1. Log on and select the  more  menu from your account. Then choose Order travel money .

3. Review your quote. If you're happy, choose Select delivery .

4. Select your delivery option. We can send your order to your home address. Or you can collect it from a branch of your choice.

5. Choose your payment option on the payment details page.

7. Once completed, you'll see a success message with your order reference number. Your order will then be ready for you, as  explained here .

Getting started online

Scan to download.

  • Join our 7 million app users.
  • Secure log on with a fingerprint or Face ID.
  • Stay up to date with notifications.
  • More about our app

tsb bank travel money

Log on to view or manage your accounts on our website.

  • Register Register for Internet Banking

If you don't bank online expandable section

You can visit your nearest branch to buy travel money. If you need travel money fast, you can get euros and U.S. dollars instantly over the counter.

At the moment, you can't order travel money by phone. 

Let’s look at the details

How much you can order expandable section.

The minimum amount you can order is £200 and the maximum is £3,000. You can make multiple orders, up to the value of £7500 in a single day.

We'll provide your order in whatever denominations are available. For example, if you order $500 you may receive this in any combination of notes.

Where we deliver to expandable section

We can deliver your travel money to your home address. This must be in the British mainland or Northern Ireland and the cardholder's billing address.

We use Royal Mail First Class signed for delivery. The delivery needs a signature.

You can also have your order delivered to your local branch and collect it from there.

You can't collect travel money or sell it back at a counter-free branch.

Delivery timescales expandable section

For home delivery.

Place your order before 1pm on a working day for next-day delivery. Home delivery will take place before 4pm on the next working day. The delivery needs a signature.

If you place an order after this time, delivery will take place on the second working day. For example, if you order on a Saturday, delivery takes place on Tuesday.

To collect from a branch

Place your order before 1pm on a working day for next-day collection. You can collect your order from your chosen branch after 4pm on the next working day. 

If you place an order after this time, you can collect it on the second working day. For example, if you order on a Saturday, the money will be available on Tuesday.

Cut-off times and working days

Next-day delivery cut-off times apply to working days. Working days are Monday to Friday. Saturday, Sunday, bank and public holidays are not working days.  If Monday is a bank holiday, delivery will take place on the next working day.

Please note – once you’ve confirmed your order, we can’t change your delivery address or day.

We send home delivery orders using  Royal Mail Special Delivery . Royal Mail’s Special Delivery conditions apply. Copies of these are available from Royal Mail on request.

Different timescales may apply to Scotland and Northern Ireland. We may not be able to guarantee deliveries to certain remote areas within the United Kingdom. 

Fees and commission expandable section

No, we don’t charge commission and there are no fees. Deliveries to your home address or a Lloyds Bank branch are completely free of charge.

What to do with unused travel money expandable section

You can take leftover travel money to one of our branches with a counter service . We’ll buy them back from you based on the exchange rate on that day. This rate may have changed since you bought your travel money. If the amount is too low, we won't be able to buy it back. We may not be able to buy back some currencies or Travellers' Cheques.

We may stop buying back certain foreign currency bank notes and travellers cheques at any time and without notice.

If you change your mind expandable section

You can’t cancel your order once you’ve confirmed it. You can exchange your money back to Pounds Sterling (GBP) at one of our branches with a counter service once you’ve received it.

Orders sent to a branch are kept there for 10 working days from the delivery date you chose. After that date we'll cancel your order and return it to the processing centre.

We refund cancelled and returned orders at the buy-back exchange rate of the day we process them. This means you'll usually receive back less than you originally paid. Refunds can take up to two weeks to reach your account. If you would like an immediate refund, please visit a branch.

Important information about travel money

We send home delivery orders using Royal Mail Special Delivery . Royal Mail’s Special Delivery conditions apply. Copies of these are available from Royal Mail on request.

Different timescales may apply to Scotland and Northern Ireland. We may not be able to guarantee deliveries to certain remote areas within the United Kingdom. We can only deliver to the British mainland and Northern Ireland and it must be to the cardholder’s billing address.

We refund cancelled and returned orders at the buy-back exchange rate of the day we process them. This means you'll usually receive back less than you originally paid. Refunds can take up to two weeks to reach your account. If you would like an immediate refund please visit a branch.

The Internet Banking service is generally available 24 hours a day, 365 days a year. There may be periods when it isn’t available because of routine maintenance .

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Upgrade your bank account.

Upgrade to a Platinum account and for a monthly maintaining the account fee you’ll get benefits including:

  • worldwide, multi-trip family travel insurance
  • mobile phone insurance.

Benefits are provided by third party providers.

More about our Platinum Account

Looking for other travel services?

Using your debit card abroad

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Nationwide's Virgin Money takeover shows how incredibly difficult it is for mid-tier banks to take on the big four lenders

Hopes were that the big four banks - NatWest, Barclays, HSBC UK and Lloyds Banking Group - would have their grip loosened by the wave of digital-only and challenger banks.

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Business presenter @iankingsky

Thursday 7 March 2024 16:31, UK

There are two ways of looking at Nationwide's blockbuster £2.9bn takeover of Virgin Money.

The optimistic, glass half-full, interpretation is that this is another heartwarming example of how the mutual business model - putting the benefits of members above payments to shareholders - continues to flourish.

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Under this perspective, some 6.6 million Virgin Money customers can now look forward to enjoying the kind of benefits enjoyed by more than 17 million customers of Nationwide, not least those who value the ability to bank in a branch.

Nationwide, as emphasised by its recent advertising campaign starring actor Dominic West, is stressing its commitment to branch banking at a time when the competition is closing them.

The difficulties for challenger banks

The pessimistic, glass half-empty, view is that this takeover simply highlights how incredibly difficult the mid-tier banks have found it in taking on the entrenched market positions of the big four commercial banks in the UK - NatWest, Barclays, HSBC UK and Lloyds Banking Group.

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Not that long ago, there were hopes the big four's grip on the market would be broken by a new wave of digital-only banks like Revolut, Atom Bank and Monzo.

At the same time, there were also hopes that a wave of more traditional challenger banks, such as TSB, Metro Bank and Virgin Money itself, would also challenge the big four's hegemony.

Those hopes have been well and truly shattered.

In fact, it has been clear for quite some time that the challenger banks were not going to achieve that.

TSB was taken over by Sabadell of Spain as long ago as March 2015 and subsequently came a cropper following a botched migration to a new IT system that cost the then chief executive, Paul Pester, his job .

Aldermore fell to a £1.1bn takeover from FirstRand of South Africa in 2017. Metro Bank has been hobbled by a series of unfortunate episodes that date back at least five years.

Now Virgin Money, itself a past consolidator in the sector , has succumbed to a takeover .

A history of Virgin Money

The lender is itself an agglomeration of other banks - dating back to when Yorkshire Bank and Clydesdale Bank (once owned by the old Midland Bank) were merged nearly 20 years ago by their then owner, National Australia Bank, which in 2016 floated the bank on the London Stock Exchange under the moniker CYBG.

Two years later, CYBG acquired Virgin Money for £1.7bn, subsequently adopting the latter's name on the basis that it enjoyed greater customer recognition.

The old Virgin Money itself was, at that point, no stranger to consolidation.

Launched by Sir Richard Branson 's Virgin Group as long ago as 1995, under the banner Virgin Direct, its fortunes were transformed by the acquisition in 2012 of the remains of Northern Rock - the first of the failed lenders rescued by the UK government at the outset of the global financial crisis in 2007.

So Nationwide is getting, with this deal, a collection of at least four institutions that were once stand-alone banks.

No one will know this better than Debbie Crosbie, Nationwide's chief executive, who was once an executive of CYBG and who was there when it took over the old Virgin Money.

Ms Crosbie, who took over at Nationwide in 2021, also knows better than most the challenges of running a mid-tier lender as she succeeded Mr Pester at TSB in May 2019.

An 'undervalued' deal

The glass half-empty view is also, sadly, reinforced by the price Nationwide is paying for Virgin Money.

The 220p-a-share takeover price represents a 38% premium to the price at which Virgin Money shares were changing hands on Wednesday evening.

Given that shares of Virgin Money were languishing at just 118p as recently as October 2022, some may regard this as a result.

But the key metric to look at here is not the premium being paid but the discount to Virgin Money's tangible book value of 360p-a-share.

Virgin Money is not alone among UK lenders in seeing its shares trading at a substantial discount to book value.

NatWest trades at around 70% of book value, Lloyds at around 80% while Barclays trades at around just 50%. Virgin Money is being taken out at 61% of book value.

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As Gary Greenwood, an analyst at investment bank Shore Capital, puts it: "In our opinion, long-suffering shareholders are likely to welcome this offer, especially given its cash nature, but we feel it undervalues the group and that management could have perhaps driven a harder bargain.

"What it does imply to us, is that management had little faith around successful execution of an organic strategy, which could have potentially yielded a much higher valuation if targets were met."

This is a crucial point. One of the reasons Virgin Money's shares have underperformed, much to the frustration of its likeable chief executive David Duffy, is because investors have been sceptical it has the size or scale to take on the big four without a great deal more investment.

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Nationwide after the takeover

Ms Crosbie may fare better. That is partly because, as noted, she knows what she is getting as a former CYBG executive.

But it is also because Nationwide - which plans to retire the Virgin Money brand over time - is a much bigger beast as a result of this takeover.

It was already the UK's second-largest mortgage lender, after the Halifax owner Lloyds, but now is firmly established as the number two player in the market in both mortgages and savings products.

John Cronin, analyst at Irish stockbroker Goodbody, sums it up thus: "Debbie Crosbie, who is well-known to us, is not short of vision or ambition and this is a sensible well thought through, yet brave, strategic move for Nationwide to take.

"But it's absolutely the right move in the context of the strategy set out since Ms Crosbie took the helm."

Before the lender's collapse, during the financial crisis, James Crosby, the former chief executive at HBOS, used to object when journalists would suggest the bank had joined the ranks of the big four and expanded it to a big five.

That accusation cannot be levelled at Nationwide because, even after this transaction, it will be relatively sub-scale in business banking - a market in which, to judge by the experience of the well-capitalised and well-managed Santander UK, the big four's dominance is even harder to break than retail banking.

However, when it comes to personal banking, one can definitively say Nationwide is now fairly and squarely in the big league.

And those of a glass half-full persuasion will wish it well in keeping the big four honest.

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Nationwide to buy Virgin Money in £2.9bn deal

Lenders reach preliminary agreement on key terms in deal to create new competitor with £366bn in assets

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Nationwide building society has agreed to buy its high-street rival Virgin Money for nearly £3bn in the largest UK banking deal since the 2008 financial crisis.

The two lenders have reached a preliminary agreement on the key terms of the takeover, which – if approved – would narrow competition with the big four banks. It would create a combined group with £366bn in total assets, nearly 700 branches and more than 23 million customers.

Buying Virgin Money, the UK’s sixth-largest retail bank, would also solidify Nationwide’s position as the second-largest mortgage lender behind Lloyds Banking Group, according to data gathered by the industry body UK Finance on outstanding home loans.

It is the latest in a string of deals involving Virgin Money, which experienced a huge growth spurt after buying the beleaguered lender Northern Rock from the government for £747m in 2011 , nearly four years after its takeover target was nationalised during the financial crisis.

Seven years later, Virgin Money was at the centre of another big UK banking deal, when it was bought by Clydesdale and Yorkshire Banking Group (CYBG) for £1.7bn in 2018.

But while CYBG paid a large sum to retain the Virgin Money brand, Nationwide’s plans mean Virgin Money’s name will disappear from the high street within six years.

Phasing out the brand could save Nationwide, which is led by the former TSB boss Debbie Crosbie, tens of millions of pounds long term. Virgin Money paid £17m to Virgin Group, which is 100% owned by Sir Richard Branson, for use of the name last year.

Branson is expected to reap about £414m from the deal because of his remaining 14.5% stake in Virgin Money, which he founded in 1995. The billionaire, who wore a pinstripe suit and bowler hat at the bank’s launch, said at the time the venture was “a chance to change a stagnant industry and provide customers with much-needed competition”.

The former Virgin Money chief executive Jayne-Anne Gadhia welcomed the potential deal. Gadhia, who is still a Virgin Money shareholder, said it would be a “shame” to see the brand go but believed the potential takeover would “likely to accelerate benefits for Virgin Money customers”.

She also applauded Crosbie’s role in pushing forward one of the largest UK deals in recent history. “It’s fantastic to see a significant deal led by a female leader of a major financial institution”.

The proposed £2.9bn deal offers Virgin Money shareholders 220p a share, representing a 38% premium on the lender’s share price on Wednesday.

Virgin Money shares soared on the news, rising 34% to 212p – not far below the offer price – on Thursday.

The company’s chair, David Bennett, said: “The board of Virgin Money is pleased that Nationwide recognises the considerable strengths and opportunities that exist across our business, with the potential acquisition delivering attractive value for our shareholders.”

Nationwide said it would maintain its “branch promise”, having pledged to keep open all of its existing branches until at least 2026. However, it said any closures already planned by Virgin Money – which has only 91 sites – would still go ahead.

Nationwide, which has about 18,000 employees, said it did not plan to make “any material changes” to Virgin Money’s 7,300-member workforce in the near term, but did not give further details about longer-term job cuts, which are common when two groups combine.

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The Swindon-based building society, which has cut nearly 800 of its staff over the past 12 months, said it “would safeguard the existing contractual and statutory rights of Virgin Money employees, including pension arrangements and redundancy policies”.

Nationwide’s chair, Kevin Parry, said the proposed deal could ultimately help the building society offer cheaper products and make one-off payments to its customers.

The mutual was founded as the Southern Co-operative Permanent building society in 1884, became Nationwide in 1970 and has grown into a group with more than 600 branches.

While it is rare to see a mutual taking over a listed bank, analysts said Nationwide’s surprise move proved it wanted to stay relevant. “Nationwide clearly does not want to be stuck in the past and wants the knowhow and access to scoop up future customers who demand more cutting-edge financial services,” said Susannah Streeter, the head of money and markets at Hargreaves Lansdown.

Nationwide has until 4 April to provide a formal offer, which will then have to be put to Virgin Money shareholders. Branson’s Virgin Group, the largest shareholder, confirmed on Thursday that it was prepared to approve the deal.

While Nationwide is technically a mutual, it will not have to seek approval from its members.

The announcement comes just weeks after Barclays announced it was buying the bulk of Tesco Bank for £700m , while another building society, Coventry, has entered intotalks to potentially buy the Co-operative Bank from its hedge-fund owners for an unconfirmed sum.

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Nationwide strikes deal to buy Virgin Money for £2.9bn

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Nationwide Building Society has reached an agreement to buy Virgin Money in a £2.9bn deal which would see the brand eventually disappear.

The deal would create the UK's second largest mortgage and savings group.

Nationwide said it would not make any material changes to Virgin Money's 7,300 employees "in the near term".

It said that it would keep using the Virgin Money brand initially but it would be phased out over six years once the proposed takeover is completed.

If the deal goes ahead it would be the biggest UK bank takeover since the 2008 financial crisis. It led to the nationalisation of Northern Rock bank, which was then bought by Virgin Money in 2012.

Virgin Money was then bought by the Clydesdale and Yorkshire bank group CYBG in 2018, but the group was rebranded under the Virgin name.

Virgin Money is now the UK's sixth largest retail bank with around 6.6 million customers, while Nationwide is UK's biggest building society with nearly 18 million customers.

Combining the two would create a group with 696 branches. In the UK, only Lloyds Banking Group would be bigger, and Nationwide said it would overtake NatWest to become the second largest mortgage provider.

Nationwide said it would keep a branch in each location where the two businesses are present until at least the start of 2026.

Nationwide, which currently has 18,000 employees, will stay a mutual and wants to gradually integrate Virgin Money.

However, Virgin Money customers would not automatically become "members" of Nationwide. Membership gives certain benefits, such as the Nationwide Fairer Share where eligible members each received £100 last year.

Nationwide said the Virgin acquisition would let it "broaden and deepen" products and services for customers and put it in a stronger position to make more of those payments to members.

It said it wanted also offer customers rates on mortgages and savings that were "better than the market average".

Nationwide's chief executive, Debbie Crosbie, said the deal "would bring the benefits of fairer banking and mutual ownership to more people in the UK".

Earlier in her career Ms Crosbie was at Clydesdale, rising to chief operating officer. She left before Clydesdale merged with Virgin Money to take over the top job at TSB.

At the time, the lender was in turmoil after an IT meltdown in 2018 which locked nearly two million customers out of online banking, some for weeks.

Russ Mould, investment director at AJ Bell, said it is "an interesting time for big deals in the mortgage sector", with tentative signs that the property market is regaining strength on expectations the Bank Of England will cut rates later this year.

"Nationwide is effectively pouncing on Virgin Money at a time when prospects are improving for its industry," he said.

In the medium term, Virgin Money would operate as a separate legal entity with its own board and banking licence.

The 220p-a-share price offered by Nationwide is 38% higher than Virgin Money's closing share price on Wednesday, and the bank says it is "minded to recommend it" to shareholders.

The deal does not need the approval of Nationwide's mutual members but it does need to be backed by Virgin shareholders.

Virgin Money's share price rose more than 36% to 216p each after the announcement on Thursday morning.

Last month, Barclays announced it was buying Tesco's retail banking operations for £600m, and analysts say the sector could see more takeovers.

"With the outlook for the UK economy stabilising, we wouldn't be surprised to see more deals like this announced," RBC Capital Markets analyst Benjamin Toms told Reuters.

"UK bank valuations are relatively cheap for the sustainable returns they offer."

Related Topics

  • Nationwide Building Society
  • Virgin Money UK

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IMAGES

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  3. TSB Bank Launches Money Saving Service

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