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M&S Travel Money: Rates and Bureau de Change

Travel money

This guide walks through all you need to know about Marks and Spencer (M&S) travel money, including rates, fees and availability. We’ll also cover how the Wise account can help you spend less on travel money, so you enjoy your trip more.

M&S travel money rate

It’s important to know the exchange rate you’ll get for your travel money - but rates can be confusing as they change all the time. Some providers, like M&S also offer different rates depending on the specific service you want. Here’s an example of the M&S euro exchange rate and the rate you’ll get if you’re buying US dollars:

Exchange rates correct at time of research (25th November 2020)

As you can see, you’ll get a better rate if you order in advance using the click & collect service, as long as you’re not looking to use the same day option .

However, you’ll still need to be wary about the rates on offer, and compare them to the mid-market exchange rate to check if they are the best available for your transaction. We’ll take a look at why that is - and a smart way to use Wise (formerly TransferWise) to get more convenient currency exchange for your trip - in just a moment.

Marks and Spencer click and collect

The M&S click and collect service allows you to order currency online and collect it in store at your convenience. You can order euros and US dollars for same day collection, although currencies may take up to 7 working days to be prepared for collection.

If you’re planning on using M&S click and collect it’s important to note :

  • You must be aged over 18
  • You must be a UK resident
  • Only the person who placed the order can collect it - ID will be required
  • You’ll need to provide the payment card used when ordering when you collect
  • There’s a £10 fee for cancelling an order

Marks and Spencer states there is no fee for having your order prepared through the click and collect service. However, it’s worth noting that the exchange rate you’re offered for the same day service is poor, compared to the normal click and collect rate. In effect this is an additional fee for the convenience of getting your travel money more quickly.

What are the fees for buying travel money with Marks and Spencer

There’s no explicit fee for getting your travel money through M&S. However, that does not mean it’s free .

When you buy foreign currency you always need to look at both the upfront fees or commission charges, and the exchange rates being used. It’s common for banks and currency providers to use an enticing headline offer - such as zero fee exchange, or 0% commission - but include their costs in the exchange rates they use instead. This means you’re still paying a fee - it’s just more difficult to see .

Marks and Spencer offers a different exchange rate for the same day click and collect service, compared to the regular click and collect options. The rate you’ll get for the more convenient same day pick up is not as good as the normal click and collect rate. That’s because an extra charge has been rolled into the rate used to compensate M&S for the extra work of preparing your currency more quickly, and to boost their profits.

To see this in action, compare the different rates offered by M&S travel money against the live mid-market exchange rate for your currency. You may find that both rates vary from the mid-market exchange rate - even the regular click and collect rate. That’s likely to be because a markup has been added.

Exchange rate markups matter because they’re not transparent. If there’s a markup added to the rate used to convert your currency you may be losing out, and paying more fees than you think for your travel money.

Save with Wise when you spend in any currency

The smart way to avoid exchange rate markups is to use low cost currency specialist Wise .

Wise offers customers the real mid-market exchange rate every time, with low, clear and transparent fees.

If you’re planning on travelling abroad, you can get a free online Wise account with a linked Mastercard debit card .

Top up your account in pounds and you can then switch to whichever currency you need, using the mid-market exchange rate. Spend for free all over the world using your card, or withdraw local currency from ATMs wherever you are.

You’ll be able to withdraw up to the currency equivalent of £200 per month with no fee, and a small percentage charge after that. There’s no waiting around for your currency, and you can manage your money from your laptop or mobile device. Simple.

Marks and Spencer travel money products

Let’s take a look at the different options available through M&S travel money.

Click & Collect

You can order from £250 to £2,500 in foreign currency online for collection at a branch of your choosing. You’ll need to pay by card, and take along your payment card and a government issued ID when you collect your money. It’s worth noting that euros and US dollars are available quickly, but some other currencies may take up to 7 working days to prepare.

Same Day click & Collect

If you order before 4pm, you’ll be able to pick up euros or US dollars immediately at your local M&S store. However, the exchange rate you’ll get won’t be as favourable as the regular click and collect rate - it’s set the same as the walk-in exchange rate.

Foreign exchange bureaux

You can buy some foreign currency without needing to order in advance, by simply walking into a M&S store which has an exchange bureau. Over 40 currencies are available, although the amounts and currencies available may vary. For this reason it’s worth calling in advance if you’re looking to buy a lot of travel money or an unusual currency.

Not all Marks and Spencer branches have an exchange bureau, and not all exchange bureaux operate at all times. Look for more information about the branches near you, using the Marks and Spencer online branch finder .

M&S currency buy back

If you end up with extra foreign currency after your trip you can take it back to M&S using their buy back service. You’ll need to keep your original receipt to do this, and can only switch notes in denominations M&S sell. Coins won’t be accepted, although you can donate unwanted foreign coins to charity via the Marks and Spencer exchange bureaux.

M&S currency buy back rate

The exchange rate offered by M&S for currency buy back is not the same as the exchange rate you’ll get for buying currency in the first place. The rate used for buy back will be set by M&S at the time you’re switching your money back and may include markups.

Because the exchange rate will change day by day - and because there’s a chance of markups being added to the rates used for buy back - you may not get back as much as you expect when you convert your unwanted currency back after your holiday.

M&S travel money Bureau de Change

There are over 100 exchange bureaux in Marks and Spencer stores around the UK. However, not all are open all the time, and services available can vary. Check in advance if you’re planning on heading out to an M&S bureau de exchange.

M&S foreign currency London

Different M&S stores offer different travel money services. You’ll find you can collect your travel money from a broad range of stores - including some Simply Food outlets - if you order through click and collect. You’ll be able to choose the best store to collect from when you order, based on your location.

However if you want to walk into a bureau you’ll need to find a Marks and Spencer with an exchange service. At the time of writing, many of the exchange desks are closed due to concerns and restrictions related to the global pandemic. There’s an up to date listing of available services over on the M&S website. Call in advance if you want to check your local store is operating normally.

Does M&S offer a travel money card?

Marks and Spencer does not offer a travel money card at this point. If you want a simple way to top up and spend when you travel, check out the Wise account which comes with a linked debit card you can use just like a travel money card.

No matter where you decide to buy your travel money, make sure you compare the available exchange rates - as well as any upfront fees - against other services to make sure you’re getting the best available deal.

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Marks & Spencer Travel Money

Find out more about marks & spencer's travel money options with our useful guide..

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In this guide

What services does Marks & Spencer offer?

What currencies can i order through marks & spencer, how much can i transfer with marks & spencer, how soon can i get my money, how safe is my money, are there any fees i might have to pay, customer service information for m&s.

As well as socks, pants, and sandwiches Marks & Spencer also buy and sell travel money. If you need some cash you can visit your nearest M&S Bureau de Change – available in over 120 M&S stores across the UK.

M&S Travel Money

  • Wide range of foreign currencies
  • SameDay Click & Collect
  • Order between £150 and £2,500

M&S offers two services:

  • Buy in store. You’re able to visit your nearest store to get hold of some travel money. Head to the M&S website to find your nearest store!
  • Home delivery. If you have an M&S Credit Card or Chargecard, you can order between £100 and £2,500 of foreign currency online or over the phone. And if you order your travel money before 1pm, M&S will deliver it to your home address the next working day.

M&S also offer a buy-back service, so you can sell your leftover travel money at the buy-back rate on the same day you return it.

Here’s a list of some of the main currencies that are available with M&S:

  • Argentine Peso (ARS)
  • Australian Dollar (AUD)
  • Bahraini Dinar (BHD)
  • Brazilian Real (BRL)
  • Brunei Dollar (BND)
  • Bulgarian Lev (BGN)
  • Canadian Dollar (CAD)
  • Chilean Peso (CLP)
  • Chinese Yuan Renmibi (CNY)
  • Croatian Kuna (HRK)
  • Czech Koruna (CZK)
  • Fiji Dollar (FJD)
  • Hong Kong Dollar (HKD)
  • Hungarian Forint (HUF)
  • Iceland Krona (ISK)
  • Indonesaian Rupiah (IDR)
  • New Israeli Sheqel (ILS)
  • Jamaican Dollar (JMD)
  • Japanese Yen (JPY)
  • Jordanian Dinar (JOD)
  • Kenyan Shilling (KES)
  • Kuwaiti Dinar (KWD)
  • Malaysian Ringgit (MYR)
  • Mauritius Rupee (MUR)
  • Mexican Peso (MXN)
  • New Zealand Dollar (NZD)
  • Norwegian Krone (NOK)
  • Omani Rial (OMR)
  • Peruvian Nuevo Sol (PEN)
  • Philippine Peso (PHP)
  • Polish Zloty (PLN)
  • Qatari Rial (QAR)
  • Romanian Leu (RON)
  • Russian Ruble (RUB)
  • Saudi Riyal (SAR)
  • Singapore Dollar (SGD)
  • South African Rand (ZAR)
  • South Korean Won (KRW)
  • Swedish Krona (SEK)
  • Swiss Franc (CHF)
  • New Taiwan Dollar (TWD)
  • Thai Baht (THB)
  • Trinidad and Tobago Dollar (TTD)
  • Turkish Lira (TRY)
  • UAE Dirham (AED)
  • US Dollar (USD)
  • Vietnamese Dong (VND)
  • Aland Islands (ALA)
  • Andorra (AND)
  • Argentina (ARG)
  • Australia (AUS)
  • Austria (AUT)
  • Bahrain (BHR)
  • Belgium (BEL)
  • Brazil (BRA)
  • Brunei (BRN)
  • Bulgaria (BGR)
  • Canada (CAN)
  • Chile (CHL)
  • China (CHN)
  • Croatia (HRV)
  • Cyprus (CYP)
  • Czech Republic (CZE)
  • Estonia (EST)
  • Finland (FIN)
  • France (FRA)
  • French Guiana (GUF)
  • French Southern Territories (ATF)
  • Germany (DEU)
  • Greece (GRC)
  • Guadeloupe (GLP)
  • Hong Kong (HKG)
  • Hungary (HUN)
  • Iceland (ISL)
  • Indonesia (IDN)
  • Ireland (IRL)
  • Israel (ISR)
  • Italy (ITA)
  • Jamaica (JAM)
  • Japan (JPN)
  • Jordan (JOR)
  • Kenya (KEN)
  • Kuwait (KWT)
  • Latvia (LVA)
  • Lithuania (LTU)
  • Luxembourg (LUX)
  • Malaysia (MYS)
  • Malta (MLT)
  • Martinique (MTQ)
  • Mauritius (MUS)
  • Mayotte (MYT)
  • Mexico (MEX)
  • Monaco (MCO)
  • Montenegro (MNE)
  • Netherlands (NLD)
  • New Zealand (NZL)
  • Norway (NOR)
  • Philippines (PHL)
  • Poland (POL)
  • Portugal (PRT)
  • Qatar (QAT)
  • Reunion (REU)
  • Romania (ROU)
  • Russia (RUS)
  • Saint Barthelemy (BLM)
  • Saint Martin (MAF)
  • Saint Pierre And Miquelon (SPM)
  • San Marino (SMR)
  • Saudi Arabia (SAU)
  • Singapore (SGP)
  • Slovakia (SVK)
  • Slovenia (SVN)
  • South Africa (ZAF)
  • South Korea (KOR)
  • Spain (ESP)
  • Sweden (SWE)
  • Switzerland (CHE)
  • Taiwan (TWN)
  • Thailand (THA)
  • Trinidad And Tobago (TTO)
  • Turkey (TUR)
  • United Arab Emirates (ARE)
  • United States (USA)
  • Vietnam (VNM)

Orders are subject to a minimum value of £150 and a maximum value of £2,500.

Once you have ordered your card it can take up to ten working days for you to receive it. However, providing there are no delays with Royal Mail, you will typically receive your card within five working days . FairFX do not have a fast track service and you cannot collect our cards from any collection points.

Unlike cash, if you lose it or it’s stolen, FairFX have you covered. (See FairFX’s terms and conditions for further details). You’re also covered against shocks on your statement when you get home. It’s all there, in real time, upfront.

There is a £5 post and packaging charge for orders with a total value of less than £500. Orders of £500 or more are delivered free.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use . When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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Charlie Barton

Charlie Barton was a publisher at Finder. He specialised in banking and investments products, including banking apps, current accounts, share-dealing platforms and stocks and shares ISAs. Charlie has a first-class degree from the London School of Economics, and in his spare time enjoys long walks on the beach.

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I want to buy $100 & 100 euros at handforth dean

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Hi Dr. Russ,

Thank you for reaching out to Finder.

If you want to purchase currency. M&S offers two services:

Buy in store. You’re able to visit your nearest store to get hold of some travel money. Head to the M&S website to find your nearest store! Home delivery. If you have an M&S Credit Card or Chargecard, you can order between £100 and £2,500 of foreign currency online or over the phone. And if you order your travel money before 1pm, M&S will deliver it to your home address the next working day.

Hope this helps!

Cheers, Reggie

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Guide to travelling with cash

How much money can you take abroad.

If you’re travelling abroad from the UK with £10,000 cash or more, you’ll need to declare it with UK customs. You will need to declare €10,000 cash or more if you carry it between Northern Ireland and any non-EU country See footnote 1 1 .

Elsewhere, rules on carrying cash vary from country to country. For example, for countries in the EU, you’ll need to fill in a cash declaration form or declare money at an airport if you’re carrying €10,000 or more but this won’t apply to every European country See footnote 2 2 . Figures vary even more when travelling to countries on other continents with different currencies.

To avoid being issued a fine or having your money seized, it’s always best to check your destination’s local rules in advance.

How much cash can I bring into the UK?

If you’re bringing £10,000 cash or more into the UK, or €10,000 or more into Northern Ireland, you’ll need to declare it with customs See footnote 3 3 .

You’ll need to make a declaration if the total amount of cash your group or family is travelling with exceeds the £10,000 or €10,000 limit, even if individuals are carrying less than that.

You’ll have to give details about:

  • who’s carrying the cash
  • your journey
  • how the cash was generated
  • how the cash will be used

Declarations can be made 72 hours before you travel See footnote 4 4 .

Travelling with cash abroad

Follow these five tips to keep your cash safe when abroad:

  • Split where you store your money – This is one of the best ways to make sure that if someone steals your cash, they don’t take all of it. Perhaps you could share your money between a group to lower the risk of losing it all from one theft.
  • Only carry what you need – By splitting your money and only taking out what you need each day you can minimise the amount of cash you lose if a wallet or purse is misplaced or stolen.
  • Consider a money belt – If you really want to keep your cash close, a money belt could be the answer. Wearable wallets are often slim enough to hide under clothing and some models stop would-be thieves from making contactless card payments if your debit and credit cards are stored inside.
  • Store your cash securely – Taking time to set a combination and using a hotel or apartment safe can give you peace of mind that your money is stored securely.
  • Exchange money with official vendors – It may be tempting to exchange currencies with street vendors offering competitive rates, but your money is always safest with a bureau exchange at a fixed address.

Buy foreign currency for your next holiday with M&S Travel Money .

Updated July 2023

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Travelling to Europe or beyond? Check out our handy guide to help make your trip perfect.

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Find out which countries use the euro and learn more about the currency.

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1. Correct at time of publication, see  gov.uk for up-to-date information

2. Correct at time of publication, see  European Commission for up-to-date information

3. Correct at time of publication, see  gov.uk for up-to-date information

4. Correct at time of publication, see  gov.uk for up-to-date information

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Marks & Spencer Travel Money : Maximizing Value with M&S Travel Money on Your Trips

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Table of Contents

N avigating the complexities of travel finance is a crucial aspect of preparing for international travel. For UK travelers, M&S Travel Money emerges as an attractive solution, offering a blend of convenience, competitive rates, and flexibility. This article aims to guide you through the nuances of maximizing the value of M&S Travel Money, ensuring your trips are as cost-effective as they are enjoyable.

Overview of M&S Travel Money Services

Marks & Spencer, a household name in the UK, extends its services to travel finance through Marks & Spencer Travel Money . They provide a versatile array of options for obtaining foreign currency, tailored to suit different travel needs. Services include Click & Collect, SameDay Click & Collect, and a wide selection of currencies, ranging from the popular euro and US dollar to currencies like the UAE dirham, Bulgarian lev, Turkish lira, Thai baht, and Mexican peso. These services are available in over 450 stores, offering unparalleled accessibility and ease for travelers​​​​​​.

Click & Collect and SameDay Click & Collect

The Click & Collect service allows travelers to order between £150 and £2,500 of currency, including euros and US dollars, and collect it from the next day in over 450 M&S stores. The SameDay Click & Collect option further enhances convenience, providing a swift solution for last-minute currency needs. This flexibility in currency collection options caters to a wide range of traveler schedules and preferences​​​​.

Advantages of Using M&S Travel Money

M&S Travel Money stands out for its competitive exchange rates, particularly for euros and US dollars, when using the Click & Collect service. This service allows customers to lock in today’s rate, pay now, and collect the currency at a time convenient for them, ensuring they get the best possible deal​​​​. Another significant advantage is the travel money buy-back service, where M&S will buy back your leftover holiday money at the buy-back rate on the day you return it to the Bureau de Change. This service is applicable for all unused notes in any denomination sold by M&S, adding significant value and peace of mind for travelers​​.

Expert Tips for Managing M&S Travel Money

Maximizing the value of M&S Travel Money requires strategic planning and timely actions:

Staying Updated on Exchange Rates

Keeping an eye on currency exchange rates can lead to additional savings. M&S Travel Money offers competitive rates, but timing your currency exchange to coincide with favorable rates can enhance your savings even further​​​​.

Pre-Travel Currency Purchase

Buying travel money before your trip can be an important part of pre-holiday preparation. M&S’s currency converter tool is a handy resource for getting the latest exchange rates across worldwide holiday destinations. Planning ahead with this tool can help you decide the right amount and time to exchange your money​​.

Comparing M&S Travel Money with Other Providers

When compared to other travel money providers in the UK, M&S Travel Money distinguishes itself through its competitive rates, particularly for popular currencies like euros and US dollars. The wide range of currencies available, combined with the convenience of their Click & Collect and SameDay Click & Collect services, positions M&S as a strong contender in the market. Additionally, the buy-back service offered by M&S adds an extra layer of value, setting it apart from many competitors who may not offer similar services​​​​​​.

Real Customer Experiences and Testimonials

Customers who have used M&S Travel Money often highlight the ease and convenience of the service. Positive feedback frequently mentions the efficient Click & Collect service, competitive exchange rates, and the peace of mind provided by the buy-back service. These testimonials underscore M&S’s commitment to customer satisfaction and its reputation as a reliable travel money provider.

M&S Travel Money offers a comprehensive solution for your travel finance needs, combining competitive rates, convenience, and customer-focused services. Whether you’re planning a quick getaway or an extended international journey, consider M&S Travel Money for a stress-free and cost-effective financial experience. For more information and to make the most of your next trip, visit M&S Travel Money .

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Marks & Spencer

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Find your nearest bureau de change

Find your nearest bureau de change

Use the map below to find your nearest sainsbury's bank travel money bureau.

Get great rates and 0% commission when you buy travel money from any of our in-store travel money bureaux. Choose from over 50 currencies, from Euro and US Dollar to Swedish Krona and Japanese Yen.

Plus, get an even better exchange rate if you’re a  Nectar member *. Rates may vary depending on whether you buy in store, online or by phone.

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360 Ealing Road Wembley HA0 1PF 0208 997 1336 View store information

Lloyd Street Altrincham WA14 2SU 0161 233 0539 View store information

Sir John Robinson Way Arnold NOTTINGHAM NG5 6BN 0115 920 0911 View store information

Bybrook Simone Weil Avenue Ashford Kent TN24 8YN 01233 622850 View store information

Ashton Moss

2 Lord Sheldon Way Ashton-Under-Lyne OL6 7TE 0161 343 2307 View store information

Aylesford-Larkfield

Quarry Wood Ind Estate Mills Road Aylesford Kent ME20 7NA 01622 882216 View store information

Bamber Bridge

Cuerden Way Bamber Bridge Preston PR5 6BJ 01772 696659 View store information

Oxford Road Banbury Oxfordshire OX16 9XA 01295 252164 View store information

10 Balloo Link Bangor BT19 7HJ 02891 457650 View store information

Gratton Way Roundswell Business Park BARNSTAPLE EX31 3NH 01271 321772 View store information

East Mayne Cricketers Retail Park Cricketers Way Basildon Essex SS13 1SA 01268 534552 View store information

Green park Station Green Park Road Bath BA1 2DR 01225 480298 View store information

Beaconsfield

Maxwell Road Beaconsfield HP9 1QH 01494 689907 View store information

Fairfield Park 90 Clapham Road Bedford MK41 7PJ 01234 261227 View store information

Belfast, Forestside

Forestside Shopping Centre Upper Galwally BELFAST BT8 6FX 02890 692439 View store information

Pioneer Square Bure Place Bicester OX26 6FA 01869 245676 View store information

Biggleswade

Bells Brook Biggleswade SG18 0NA 01767 317821 View store information

Maypole 1059 Alcester Road South Maypole Birmingham B14 5TN 01214 303805 View store information

Birmingham, Longbridge

Longbridge Lane Birmingham B31 2TW 01214 757502 View store information

Birmingham, Selly Oak

19 Selly Oak Shopping Park Aston Webb Boulevard Birmingham B29 6SQ 0115 9507015 View store information

Bishop Auckland

St.Helen Auckland Bishop Auckland DL14 9AE 01388 605382 View store information

Halesowen Street Rowley Regis B65 0HG 0121 559 1917 View store information

Bognor Regis

Shripney Road Bognor Regis PO22 9FB 01243 828054 View store information

Bournemouth

Castle Point Castle Lane West Bournemouth Dorset BH8 9UW 01202 859836 View store information

Bagshot Road Ringmead Bracknell Berkshire RG12 7SS 01344 300405 View store information

51 William Hunter Way Brentwood CM14 4WQ 01277 219613 View store information

The Derwen Bridgend CF32 9ST 01656 657516 View store information

The Clink Bridgwater TA6 4AB 01278 458 051 View store information

Bristol, Castle Court

St. Philips Causeway Arnos Vale Bristol BS4 3BD 0117 971 0821 View store information

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Fox Den Road Stoke Gifford Bristol BS34 8SS 0117 969 4504 View store information

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The Village Emerson Way, Emersons Green Bristol Gloucestershire BS16 7AE 0117 957 3069 View store information

Bristol, Winterstoke Road

111 Winterstoke Road Bristol Gloucestershire BS3 2NS 01179 535179 View store information

Bury St Edmunds

Bedingfield Way Bury St Edmunds Suffolk IP32 7BT 01284 752805 View store information

Bath Road Calcot Reading RG31 7SA 01189 422799 View store information

Camberley, Watchmoor Park

Blackwater Valley Road Camberley GU15 3YN 01276 26973 View store information

Cambridge, Coldhams Lane

Brooks Road Cambridge CB1 3HP 01223 214458 View store information

Voyager Drive Orbital Retail Centre Cannock WS11 8XP 01543 574448 View store information

Church Street Caldewgate Carlisle CA2 5TF 01228 545780 View store information

Castle Vale

Castle Vale Retail Park Chester Road Castle Vale Birmingham B35 6HB 0121 7491341 View store information

Wyvern Way Chaddesden Derby DE21 6NZ 01332 664804 View store information

Charlton Riverside (Greenwich)

Charlton Riverside (Greenwich) Unit A Gallion Road Retail Park 7-11 Gallions Road Charlton London SE7 7SA 0208 465 5528 View store information

Wilmslow Road Cheadle Cheshire SK8 3BB 0161 491 3264 View store information

Springfield 2 White Hart Lane Springfield Essex CM2 5PA 01245 462735 View store information

Gallagher Retail Park Tewkesbury Road Cheltenham Gloucestershire GL51 9RR 01242 571840 View store information

Caldy Valley Road Great Boughton CH3 5QJ 01244 348302 View store information

Westhampnett Rd Chichester Sussex PO19 4YR 01243 775374 View store information

Bath Road Chippenham SN14 0BJ 01249 661128 View store information

31 Essex Place London W4 5UT 0208 994 6192 View store information

Christchurch

1 Lyndhurst Road CHRISTCHURCH BH23 4RY 01425 280673 View store information

Bridge Way Cobham Surrey KT11 1HW 01932 860379 View store information

Stanway 1 Western Approach Colchester Essex CO3 8AA 01206 762092 View store information

Colliers Wood

1 Merton High Street London SW19 1DD 0208 542 9904 View store information

Coventry, Canley

330 Fletchamstead Highway Coventry CV4 9BJ 02476 714383 View store information

West Green Crawley Avenue Crawley RH10 8NF 01293 511459 View store information

Stadium Way Dartford Kent DA1 4HW 01322 525600 View store information

Victoria Road DARLINGTON DL1 5JG 01325 466756 View store information

Central Drive Didcot OX11 7ND 01235 519196 View store information

Doncaster, Edenthorpe

Thorne Road Doncaster DN2 5PS 01302 883676 View store information

80 Dog Kennel Hill London SE22 8BB 0207 274 2538 View store information

Unit 14, The Oaks Centre Oaks Road Dungannon County Tyrone BT71 4NA 02887 725786 View store information

Unit 14, The Oaks Centre 2-8 Luton Road Dunstable LU5 4RF 01582 661462 View store information

Arnison Retail Centre Pity Me Durham County Durham DH1 5GD 0191 370 9645 View store information

Hampden Park Broadwater Way Eastbourne E.Sussex BN22 9PW 01323 734740 View store information

East Grinstead

Brooklands Way East Grinstead RH19 1DD 01342 410154 View store information

East Kilbride

3 Kingsgate Retail Park Glasgow Road, East Kilbride Glasgow G74 4UN 01355 227035 View store information

Edinburgh, Blackhall

Blackhall 185 Craighleith Road Edinburgh Midlothian EH4 2EB 0131 332 4309 View store information

Edinburgh, Cameron Toll

Cameron Toll Shopping Centre 6 Lady Road Edinburgh Midlothian EH16 5PB 0131 664 4659 View store information

Edinburgh, Meadowbank

Unit 9-10 Moray Park Edinburgh EH7 5TS 0131 661 0198 View store information

Edinburgh, Murrayfield

39 Westfield Road Edinburgh Midlothian EH11 2QW 0131 347 8690 View store information

Edinburgh, Straiton

Straiton Mains Loanhead EH20 9PW 0179 382 6478 View store information

3 Crown Road Enfield Middlesex EN1 1TH 0208 363 8939 View store information

Kiln Lane Epsom Surrey KT17 1EQ 01372 747529 View store information

Exeter, Alphington Road

Alphington Road Exeter Devon EX2 8NH 01392 420681 View store information

Exeter, Pinhoe Road

1 Hill Barton Road EXETER EX1 3PF 01392 460852 View store information

Fareham - Broadcut

Broadcut Fareham Hants PO16 8SU 01329 281529 View store information

Water Lane Surrey GU9 9NJ 01252 821539 View store information

597 Ringwood Road Ferndown BH22 9AL 01202 872898 View store information

West Park Farm Farm Retail Park Park Farm Road Folkestone CT19 5GA 01303 242867 View store information

Wessex Fields Frome BA11 4DH 01373 465852 View store information

Glasgow, Braehead

110 Kings Inch Drive Glasgow G51 4BT 0141 886 6775 View store information

Glasgow, Darnley

10 Darnley Mains Road Glasgow G53 7RH 0141 638& 7328 View store information

Gloucester Quays St Ann Way Gloucester Gloucestershire GL2 5SA 01452 505443 View store information

Woolsack Way Godalming GU7 1LQ 01483 410 134 View store information

Pepper Hill Wingfield Bank Northfleet Gravesend Kent DA11 8JH 01474 535872 View store information

Guildford Burpham

Clay Lane Burpham Guildford GU4 7JU 01483 560371 View store information

Wade Street Halifax Yorkshire HX1 1SB 01422 351956 View store information

Hampton - St Clares

303 Uxbridge Road Hampton St Clares TW12 1AW 0208 941 1478 View store information

Fifth Allende Avenue Harlow CM20 2AG 01279 422390 View store information

31 High Street Harpenden AL5 2RU 01582 765 692 View store information

Wetherby Road Harrogate HG2 8QZ 01423 885967 View store information

Haverhill Haycocks Road Haverhill Suffolk CB9 7YL 01440 703460 View store information

Lombardy Retail Park Coldharbour Lane Hayes Middlesex UB3 3EX 0208 573 1939 View store information

Haywards Heath

Market Place Bannister Way RH16 1DG 01444 457284 View store information

Etherston Avenue Newcastle Upon Tyne NE7 7JW 0191 270 0451 View store information

Heaton Park

Heaton Park Road Manchester M9 0QS 0161 795 9914 View store information

Hemel Hempstead - Aspley Mills

London Road Hemel Hempstead Herts HP3 9QZ 01442 252476 View store information

Hempstead Valley

Hempstead Valley Hempstead Gillingham ME7 3PB 01634 378851 View store information

Altira Business Park 6 The Boulevard Herne Bay Kent CT6 6LA 01227 362 757 View store information

High Wycombe

Oxford Road High Wycombe Buckinghamshire HP11 2DN 01494 472586 View store information

Rugby Road Hinckley LE10 0QD 01455 611 477 View store information

Brewery Road Hoddesdon Hertfordshire EN11 8HF 01992 447470 View store information

101-105 High Street Hornchurch RM11 1TX 01708 445420 View store information

Huddersfield

Shorehead Southgate Huddersfield HD1 6QR 01484 429277 01484 432684 View store information

Sainsbury Way Hessle HU13 9NS 01482 505626 View store information

St. Germain Walk Huntingdon PE29 3FG 01480 412924 View store information

1 Sainsbury's Centre Cavendish Street Keighley Yorkshire BD21 3RU 01535 603 916 View store information

3 Wallop Drive Basingstoke RG22 4TW 01962 855652 View store information

Kidderminster

2 Carpet Trades Way Kidderminster Worcestershire DY11 6XP 01562 745883 View store information

289 Oxford Road Kidlington OX5 2PE 01865 848794 View store information

Main Street Kimberley Nottingham NG16 2LY 0115 938 9655 View store information

Fife Central Retail Park Chapel Park Kirkcaldy KY2 6QL 01592 641740 View store information

Leamington Spa

Shires Retail Park Tachbrook Park Drive Warwick Warwickshire CV34 6RH 01926 452565 View store information

Leeds, Colton

Colton 1 Stile Hill Way Colton Business Park Colton Leeds LS15 9JA 0113 232 8069 View store information

Leeds, Moortown

9-11 Moor Allerton Centre Leeds LS17 5NY 01132 696650 View store information

Leeds, White Rose

White Rose Shopping Centre Beeston Leeds Yorkshire LS11 8LS 01132 711688 View store information

Fosse Park Grove Farm Triangle Enderby Leicester Leicestershire LE19 1WT 0116 282 4226 View store information

Leicester North

501 Melton Road Leicester LE4 7SJ 01162 681018 View store information

Leigh Atherleigh Way

Parsonage Retail Park Parsonage Way Leigh WN7 5SJ 01942 603788 View store information

Third Avenue Letchworth SG6 2HX 01462 484880 View store information

Unit 33, lewisham Centre London SE13 7EP 0208 318 4028 View store information

Tritton Road Lincoln LN6 7QN 01522 694814 View store information

5 Sprucefield Park Hillsborough Road Lisburn County Antrim BT27 5UQ 0289 266 4729 View store information

Liverpool - East Prescot Road

112 East Prescot Road Liverpool L14 5PT 01512 520580 View store information

Locksbottom

Pallant Way Orpington BR6 8NZ 01689 851805 View store information

London, Lee Green

14 Burnt Ash Road London SE12 8PZ 0208 297 5105 View store information

London, Nine Elms

62 Wandsworth Road London SW8 2LF 0207 720 3391 View store information

London, Winchmore Hill

681 Green Lanes London N21 3RS 0208 364 1592 View store information

Low Hall, Chingford

13 Hall Lane London E4 8HH 0208 531 7591 View store information

Luton, Bramingham Park

Bramingham Park Quantock Rise Luton LU3 4AB 01582 561 542 View store information

Macclesfield

61 Cumberland Street Macclesfield SK10 1BJ 01625 423 387 View store information

Providence Place Maidenhead SL6 8AG 01628 621422 View store information

Nottingham Road Mansfield NG18 1BW 01623 420 731 View store information

Market Harborough

St. Mary's Place Market Harborough LE16 7DR 01858 434097 View store information

30 Mere Green Sutton Coldfield B75 5BT 0121 308 1932 View store information

Milton Keynes

799 Witan Gate MK9 2FW 01908 668 655 View store information

253 Lancaster Road Morecambe LA4 5TJ 01524 417 934 View store information

Middlewich Road Nantwich CW5 6PH 01270 611865 View store information

Hectors Way Newbury RG14 5AB 01635 32119 View store information

Newhaven Harbour

The Drove Newhaven BN9 0AG 01273 516866 View store information

Albany Street Newport Gwent NP20 5NG 01633 852753 View store information

North Cheam

566 London Road Sutton Surrey SM3 9AA 0208 644 6577 View store information

Northampton, Weedon Road

20 Gambrel Road Westgate Industrial Estate Northampton NN5 5DG 01604 759292 Visit store information

Pound Lane Norwich Norfolk NR7 0SR 01603 432106 View store information

Norwich - Longwater

William Forest Way New Costessey Norwich NR5 0JS 01603 747295 View store information

Castle Boulevard Castle Bridge Road Nottingham Nottinghamshire NG7 1GX 0115 950 7015 View store information

Oldbury Freeth St Worcestershire B69 3DB 0121 552 8476 View store information

Osmaston Park

1 Peak Drive Derby DE24 8EB 01332 774 659 View store information

Heyford Hill Littlemore Oxford OX4 4XR 01865 717646 View store information

Peterborough

Oxney Road PETERBOROUGH PE1 5NG 01733 555465 View store information

Plymouth, Marsh Mills

Plymouth Road Crabtree Plymouth PL3 6RL 01752 269 089 View store information

4 Alder Park Alder Road POOLE BH12 4BA 01202 736916 View store information

Fitzherbert Road PORTSMOUTH PO6 1RR 0239 237 9236 View store information

Preston - Deepdale

Flintoff Way Preston Lancs PR1 6PJ 01772 759232 View store information

Trafalgar Way Croydon CR0 4XT 0208 686 5543 View store information

Rayleigh Weir

21 Stadium Way Benfleet Essex SS7 3UB 01268 772191 View store information

Abbey Trading Centre Alvechurch Highway Redditch Worcestershire B97 6RF 01527 592330 View store information

London Road Redhill RH1 1NN 01737 763 153 View store information

Reedswood Way Walsall WS2 8XA 01922 623 040 View store information

Rice Lane Liverpool L9 1NL 0151 523 7560 View store information

Butterley Ripley DE5 3QP 01773 744 581 View store information

1 The Brewery Romford RM1 1AU 01708 768258 View store information

385 Dunchurch Road Rugby Warwickshire CV22 6HU 01788 814221 View store information

New Road Littlehampton BN16 3RT 01903 782358 View store information

Scarborough

Falsgrave Road Scarborough YO12 5EA 01723 374347 View store information

Otford Road Sevenoaks TN14 5EG 01732 464415 View store information

Archer Road Millhouses Sheffield Yorkshire S8 0TD 01142 353091 View store information

Sheffield, Crystal Peaks

Lower Mall Level Sheffield Yorkshire S20 7PJ 0114 247 6102 View store information

Sheffield, Wadsley Bridge

Clayfields Lane Wadsley Bridge Sheffield Yorkshire S6 1LY 0114 232 0708 View store information

Meole Brace Retail Park Hereford Road Shrewsbury SY3 9VB 01743 343790 View store information

Sittingbourne

Avenue of Remembrance Sittingbourne ME10 4DN 01795 436938 View store information

Solihull, Marshall Lake

545 Stratford Road Shirley Solihull B90 4AJ 0121 7443035 View store information

South Ruislip

Long Drive Ruislip HA4 0HQ 0208 845 7616 View store information

South Woodham Ferrers

Burnham Road Chelmsford CM3 5QP 01245 328 405 View store information

Southampton - Hedge End

Hedge End Tollbar Way Hedge End Southampton Hampshire SO30 2UH 01489 797430 View store information

Southampton - Lords Hill

Superstore 1 Lordshill District Centre Southampton SO16 8HY 01482 505626 View store information

Southampton - Portswood

Portswood 224 Portswood Road Hedge End Southampton Hampshire SO17 2LB 02380 552111 View store information

45 London Road Southend-on-Sea SS1 1PL 01702 335 116 View store information

Holland Market Spalding PE11 1RQ 01775 722 555 View store information

The Causeway TW18 3AP 01784 442059 View store information

Colney Fields Shopping Park St Albans Hertfordshire AL2 1AB 01727 744400 View store information

St Leonards on Sea

John Macadam Way St Leonards on Sea Hastings TN37 7SQ 01424 756346 View store information

Drip Road Stirling FK8 1RA 01786 479467 View store information

Hazel Grove London Road Stockport Cheshire SK7 4AW 0161 483 6900 View store information

Stoke on Trent

Minton House London Road STOKE-ON-TRENT ST4 7QD 01782 745178 View store information

Stourbridge

Amblecote Sandringham Way Brierley Hill Staffordshire DY5 3JR 01384 74496 View store information

Dudbridge Stroud GL5 3HG 01453 753838 View store information

Silksworth Lane Sunderland SR3 1PD 0191 528 9977 View store information

Swadlincote

Civic Way Swadlincote DE11 0AD 01283 551388 View store information

Swindon, Bridgemead

Paddington Drive Bridgemead SWINDON SN5 7AA 01793 537859 View store information

Swindon, Stratton

Oxford Road Stratton SWINDON SN3 4EW 0131 4402311 View store information

Southend Lane Sydenham Kent 0208 778 3085 View store information

Talbot Green

Heol y Pant Talbot Green Pontyclun CF72 8FN 01143 875904 View store information

Bitterscote Drive Bonehill TAMWORTH B78 3HD 01827 314943 View store information

Lake End Road Taplow MAIDENHEAD SL6 0QH 01628 665075 View store information

Taunton, Hankridge Farm

Hankridge Farm Hankridge Way TAUNTON TA1 2LR 01823 442 619 View store information

Team Valley

Eleventh Avenue Team Valley Trading Estate Gateshead NE11 0JY 0191 4878407 View store information

Telford Forge Retail Park Colliers Way, Old Park TELFORD TF3 4AG 01952 201558 View store information

Thanet Dadson Way CT12 5FJ 01843 604469 View store information

Angel Centre Tonbridge TN9 1SF 01732 350 720 View store information

Nicholson Road Torquay TQ2 7HT 01803 617 001 View store information

Treyew Road Truro Cornwall TR1 3XL 01872 271812 View store information

Tunbridge Wells

Linden Park Road Tunbridge Wells TN2 5QL 01892 526683 View store information

Upton Bypass Wirral CH49 6QG 0151 677 0264 View store information

Lower Trinity Road Wakefield WF1 1QQ 01924 379054 View store information

Walton on Thames

53 New Zealand Avenue KT12 1AD 01932 226521 View store information

45 Garrett Lane London SW18 4AD 0208 874 6721 View store information

631 Limpsfield Road Warlingham CR6 9DY 01883 627642 View store information

Warren Heath

Felixstowe Road Ipswich IP3 8TQ 01473 713824 View store information

100 Church Street Warrington Lancashire WA1 2TN 01925 428498 View store information

The Galleries Washington Centre Washington NE38 7RU 0191 418 7149 View store information

Waterlooville

Hambledon Road Waterlooville Hampshire PO7 7UL 0239 2252120 View store information

Wednesfield

Rookery Street Wolverhampton WV11 1UP 01902 731788 View store information

West Belfast

Unit 28, Kennedy Centre Falls Road Belfast BT11 9AE 02890 605684 View store information

361-367 Old Shoreham Rd Hove BN3 7GD 01273 422862 View store information

Whitley Bay

Newstead Drive Whitley Bay NE25 9EX 0191 2529126 View store information

Worthington Way Wigan Lancashire WN3 6XA 01942 322619 View store information

Badger Farm Road Winchester SO22 4QB 01962 855652 View store information

King Street Lane Winnersh RG41 5AR 01189 792466 View store information

Witan Way Witney OX28 4FF 01993 772 397 View store information

Woking, Brookwood

Redding Way Knaphill WOKING GU21 2QT 01483 522179 View store information

Wolverhampton

Raglan Street Wolverhampton WV3 0ST 01902 421747 View store information

Highgrounds Road Rhodesia Worksop S80 3AT 01909 473006 View store information

Queensway Weston-Super-Mare BS22 6BL 01934 526836 View store information

Lyons Farm Downslands Business Park Worthing Essex BN14 9LA 01903 238759 View store information

Retail Park Plas Coch Road Wrexham LL11 2BA 01978 262455 View store information

York - Monks Cross

Jockey Lane York YO32 9LG 01904 624365 View store information

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Ready to order.

If visiting us in store isn’t convenient, we also offer next working day home delivery (excludes Highlands and Islands)**.

Got a question?

Take a look at our  Travel Money FAQs .

We may have to temporarily close bureaux during opening hours for operational reasons and to allow our colleagues to have appropriate breaks. When this happens, we'll display a sign in the store telling you when we'll be available again. We're sorry if this causes you any inconvenience and thanks for your patience.

Term 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 in store, 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 £500 or more (£4.99 for orders between £100 and £499.99). 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.

  • Barclays Bank
  • Lloyds Bank
  • Sainsbury's Bank
  • M&S Bank

M&S Bank

M&S Bank branch at Marks & Spencer Hedge End, Tollbar Way, Hedge End, Hedge End

General informations, opening time.

  • Monday: 9am-5pm
  • Tuesday: 9am-5pm
  • Wednesday: 9am-5pm
  • Thursday: 9am-5pm
  • Friday: 9am-5pm
  • Saturday: Closed
  • Sunday: Closed

Frequently asked Questions

What is the customer service telephone number for the m&s bank branch at marks & spencer hedge end, tollbar way, hedge end in hedge end, where is the m&s bank branch located at marks & spencer hedge end, tollbar way, hedge end, what are the working hours of m&s bank at marks & spencer hedge end, tollbar way, hedge end, closest branches.

  • NatWest Bank
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m&s travel money hedge end

Sainsbury's - Hedge End, Southampton

Opening times sainsbury's - hedge end, southampton, holiday opening hours 2024 show.

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m&s travel money hedge end

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  • Fri 22/03 - Thu 28/03/24

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  • Sainsbury's Magazine March
  • Fri 01/03 - Sun 31/03/24

m&s travel money hedge end

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Phone number 0148-979-0452 Website www.sainsburys.co.uk Social sites         Customer rating ( 20 x) 3 5 1

Sainsbury's - Hedge End, Southampton - Opening Hours & Store Details

Sainsbury's Superstore, which is part of Hedge End Retail Park, is located on Tollbar Way, 4.05 miles east of the centre of Southampton, in Hedge End ( close to Wildern School, Hamilton Business Park and Hedge End Depot ). The store provides service mainly to the districts of Hedge End, Botley, West End, Lowford, Curbridge, Harefield, Thornhill, Burridge, Hightown and Horton Heath. Its open hours for today (Tuesday) are 7:00 am to 11:00 pm. Please review this page for the specifics on Sainsbury's Hedge End, Southampton, including the hours of business, street address, customer reviews and other information.

Getting Here - Tollbar Way, Hedge End

Sainsbury's Superstore is found in the vicinity of the roundabout of Tollbar Way, Charles Watts Way and Turnpike Way, in Hedge End, Southampton, at Hedge End Retail Park.

The store is just a 1 minute drive time from Pudbrooke Gardens, Berrywood Gardens or Hedge End Interchange; or a 4 minute drive time from Upper Northam Road, M27, Peter Cooper roundabout, Botley Road and Wildern Lane.

If you're traveling using GPS units, then the postcode SO30 2UH will bring you to this location.

We recommend taking the bus to Turnpike Way/Berrywood Gardens or Tollbar Way/Hedge End Superstores. The most convenient way to get here is by services 8, 26, 405, X4, X9, X15 or Bluestar 3.

The train will travel frequently to Hedge End Station (1.30 mi), Botley Station (2.68 mi) and Sholing Station (2.82 mi away). The following lines stop a short distance away: GWR , South West Trains and Southern.

By foot you'll discover The Ageas Bowl County Golf Club, Sainsbury's Petrol Station, Greta Park, Shamblehurst Primary School, Berrywood Primary School, Moorgreen Hospital, Dowd's Farm Park, Wellstead Primary School and Southampton Airport.

Sainsbury's Locations Nearby Southampton

Right now, Sainsbury's owns 10 branches in Southampton, Hampshire.

On the following link you can see a complete listing of Sainsbury's stores near Southampton .

Products & Services

Banking facilities.

ATM - Free Withdrawals, Western Union International Money Transfer, Travel Money

Food counters

Bakery, Hot Food Counter, Sushi Bar, Pizza Counter

Customer facilities

Self Checkout, Induction Loop, Accessible Toilets, Toilets, Baby Change, Parking, Sainsbury's Cafe, Contactless Payments, SmartShop, Photo Booth

National Lottery, Recycling, Sainsbury's Food to Order, Specsavers, Sushi Gourmet, Online Picking, Free WiFi

Floral, News & Magazines, Greetings Cards, Books, Small Domestic Appliances, Toys, Homewares, Cookware, Home Textiles, Beauty Department

Petrol station

Petrol, Diesel, Car Wash, Super Unleaded, Pay at Pump, Allstar Fuel Genie and UK Fuels fuel cards accepted

Tu Clothing range

Womenswear, Menswear, Kidswear, Jewellery

Click & Collect

Tu Click & Collect, Groceries Online Click & Collect, Argos Click & Collect, eBay Collect

Accessibility

Induction loops, Assistance dogs welcome, Colleague assistance available, Wheelchair, Wheelchair trolley, Disabled child trolley, Seating

Sushi Gourmet, Krispy Kreme

Water Filter Recycling, Flexible Plastics

Hedge End Retail Park

When visiting Sainsbury's, don't forget to browse around the wide assortment of great stores at Hedge End Retail Park. Existing shops such as M&S Marks and Spencer, Next, McDonald's, Sainsbury's, ALDI, KFC, Currys, Pets at Home, Starbucks, Carphone Warehouse, Costa Coffee, DFS, LIDL, B&M and Halfords can be found here.

Related searches: Sainsbury's Hedge End, Tollbar Way

Other Stores

Argos hedge end in sainsbury's, l'occitane hedge end, m&s marks and spencer hedge end, southampton.

M&S to close 29 bank branches today followed by current accounts - see full list

The banking arm of the posh supermarket says the concession closures are a result of a surge in online banking and it will instead focus on its credit cards, insurance, savings and loan products

M&S is closing its 29 bank branches tomorrow, July 2

  • 14:16, 1 Jul 2021
  • Updated 07:23, 2 Jul 2021

M&S is to close its 29 bank branches today, with all its current accounts shutting down for good next month.

The banking arm of the upmarket supermarket says the closures are a result of a surge in online banking.

M&S first confirmed the bank closures - all of which are located within stores - in an update on March 4.

It had previously said it would redeploy affected branch workers where possible, but hasn’t confirmed since how many possible redundancies will take place.

M&S travel money bureaux branches, which are located in over 100 stores, are unaffected by the plans.

As well as closing its in-store bank branches on July 2, M&S Bank will shut all existing current accounts on August 31.

When The Mirror spoke to M&S Bank today, it told us customers will need to have switched bank accounts by this date.

If you don't, you'll need to contact the bank as soon as possible to discuss your next steps.

You can use the Current Account Switch Service (CASS) to change bank accounts.

This is often the simplest way as it'll ensure all your direct debits, standing orders and regular payments are moved over.

In order to close your account now via the M&S website, you'll need to have a balance of zero - this means any money you have will need to be moved elsewhere.

If you still have funds in your account by August, they'll effectively remain frozen and you'll need to contact M&S to transfer the balance elsewhere.

If your account has an overdraft, you'll need to clear this first before your account can be closed.

You can contact M&S on 0345 900 0900 if you can't pay your overdraft right now and to discuss your options.

M&S' current account is already closed to new applications.

When the bank branches shut, all M&S banking services will move to online, mobile and telephone channels only.

Following the changes, the bank will focus on its credit cards and existing range of general insurance, savings and loan products.

Customers who have one of these products with M&S will be unaffected by the changes, as these will continue to stay open.

M&S Bank has over three million customers in total but hasn't said how many have current accounts - although it says this figure is only "a very small proportion" of customers.

Speaking after the initial bank closures were confirmed, Paul Spencer, M&S Bank's chief executive, said: "We have developed the next phase of our transformation programme to enhance the M&S shopping experience.

"It does regrettably mean we will move away from branch-based servicing and the 29-in-store bank branches and associated current account will close this summer.

"We’re now firmly focused on supporting both our customers and colleagues through this change, and the delivery of our transformation plans, which will create new and rewarding payment solutions for M&S shoppers, both in-store and online."

Which M&S bank branches are closing?

  • Aberdeen - St Nicholas Street
  • Birmingham - High Street
  • Bristol - Cribbs Causeway
  • Bromley - High Street
  • Cardiff - Culverhouse Cross
  • Dartford - Bluewater
  • Edinburgh - The Gyle
  • Ellesmere Port - Cheshire Oaks
  • Exeter - High Street
  • Gateshead - Metro
  • Glasgow - Argyle Street
  • Glasgow - Braehead
  • Leeds - Briggate
  • Lisburn - Sprucefield
  • London W12 - Westfield White City
  • London - Marble Arch
  • Manchester - Market Street
  • Milton Keynes - Saxon Gate East
  • Norwich - Rampant Horse Street
  • Oxford - Queen Street
  • Pudsey - Stanningley
  • Sandhurst - Camberley
  • Sheffield - Meadowhall
  • Shoreham - Holmbush Centre
  • Southampton - Hedge End
  • St Albans - London Colney
  • Tipton - Merryhill
  • Warrington - Gemini
  • Wilmslow - Handforth

What type of M&S current accounts are closing?

  • M&S Current Account
  • M&S Premium Current Account
  • M&S Premium Current Account with insurance
  • Monthly Saver accounts linked to current accounts

MORE ON Banks Current accounts Marks & Spencer Bank

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US debt could balloon past the point of no return in 20 years. Here's what it could mean and 3 assets investors can use to hedge, according to a Wharton professor.

  • Market veterans warn of a credit bubble burst that could impact interest rates and cause inflation.
  • Kent Smetters forecasts a point of no return for the US economy in 20 years due to rising debt.
  • To hedge against an economic downturn, Smetters recommends buying bonds that adjust for inflation.

The US economy is rapidly heading into a credit bubble that will burst. At least, that's what some market veterans believe.

The hedge fund manager Mark Spitznagel , whose firm helps to protect investors from unforeseen Black Swan events, predicts that the bust will send the stock market into its worst crash since 1929. Billionaire hedge fund manager Ray Dalio has also said that we are heading into a debt crisis.

But how bad can things be, and when could this happen? It's hard to say for certain. But Wharton Professor Kent Smetters, a faculty director for the Penn Wharton Budget Model, which provides budgetary projections and economic analysis of US legislation, says we could hit the point of no return in 20 years.

Federal spending ballooned after the global financial crisis and then accelerated during the pandemic, outpacing tax revenue and creating a deficit. The government has been borrowing the difference.

To put things into historical perspective, the general measurement of gross federal debt as a percent of gross domestic product is at 123% . In WWII, at the height of military spending, it was 119%. But, the number economists care about is the US federal debt held by the public as a percent of GDP because it removes debt held internally by the US government, Smetters noted. This ratio is now above 96% . At the height of military spending in World War II, it peaked at 106% in 1946 .

A report Smetters co-authored estimates that if federal debt held by the public to GDP surpasses the 190% to 200% threshold, the US economy would be past the point of no return; interest payments owed on the debt would be so large that even steep tax hikes couldn't fix it. The government would be out of options outside a massive decrease in spending, which isn't plausible, Smetters said.

"We are in an unprecedented position today because not only is debt very large relative to the size of the economy, the big major difference relative to World War II is that debt is not projected to go down relative to the size of our economy," Smetters said. "In fact, just the opposite: it's projected to continue to increase, and we've never been in this situation before."

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Economic growth alleviated the situation after WWII, bringing the debt held by the public as a percent of GDP down to 22% by 1974 . But Smetters said the US can't grow its way out this time. Even if the economic growth rate doubles over the next 50 years, the federal debt relative to the size of the economy will still climb. Social Security, Medicare, Medicaid, and defense are among the biggest contributors to the rising deficit.

"What governments do when they face high debt everywhere else in history is that they tend to print a lot more money to pay off that debt, and that printing of money causes inflation," Smetters said.

It's impossible to predict exactly what an implosion of this nature may look like. On one end, markets are forward-looking and politicians should understand that and take corrective action, he said. But if we continue on this path, inflation could hit 8% to 9% and remain there for a few decades. Interest rates, including mortgage rates, would hit double digits. And credit card interest rates could be near 30% to 40%, he noted as theoretical examples.

He noted that defaults and deleveraging would follow, even on a corporate level, which would hurt many companies and trickle into the stock market.

It's a tough scenario for an investor to win because shorting the economy over a long duration is difficult. But you can hedge it, Smetters said. The most significant way is buying assets that the government would be last in line to default on. While people say they offer lousy returns, they offer protection, he noted.

These include bonds that adjust for inflation, unlike the standard Treasury bonds that do not. For example, Treasury Inflation-Protected Securities (TIPS) have fixed yields, but their principal adjusts to match inflation. I bonds are another example, except in this instance, they have a fixed interest rate and an inflation rate, which adjusts every six months to match the prevailing levels. Each individual can buy up to $10,000 a year in I bonds. So, you can buy $40,000 a year for a household of four.

"For the non-TIP bonds, what the government can easily do without defaulting is that they can just increase the money supply and basically pay off those bonds by printing more money," Smetters said. "And that's going to cause inflation. But for the people holding the TIPs, they're going to still be protected because they get an inflation payment that makes up for that."

To diversify, an investor should also consider emerging and developed markets where the country has balanced its budget well.

Watch: What Happens If The US Hits The Debt Ceiling And Defaults

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