hsbc travel money order

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Foreign Exchange - Travel Money

• How to order
• Travel checklist

At HSBC we've made ordering your Travel Money quick, easy and convenient.

Key Benefits

• Competitive Rates You'll find it simple to check our rates by phone or in branch services.
• Quick & easy to order Just phone or visit our branch to easily order your Travel Money.
• All major currencies available We offer a wide range of foreign currencies for your Travel Money needs.

Using your HSBC Debit and Credit Card Abroad

As well as your Travel Money, you can also use your HSBC Debit and Credit Cards when you're overseas. Find out more

Our larger branches have packs of euros and US dollars (subject to stock levels).

HSBC Premier Customer

Call us on: 03456 00 61 61

If you are outside the UK, Channel Islands & Isle of Man please call: +44 1470 697 139

Lines are open 7am to 9pm every day.

Travel Checklist

• We automatically monitor accounts for unusual foreign transactions. You can let us know it's you using your card by making a CHIP & PIN transaction while abroad. This helps us protect you from possible fraud or declined transactions more effectively while you're on holiday
• Ensure to order your Travel Money by phone or in branch services
• Some of our HSBC Current Accounts have Travel Insurance, be sure to check before you book any Travel Insurance and pack the policy details to take along with you
• Pack your HSBC debit and credit card along with the lost / stolen cards emergency number too, just in case if you need it

Overview 

How to order , travel checklist , customer support.

• Home   ›  
• Exchange Rates   ›  

HSBC exchange rates

Today's latest HSBC travel money exchange rates, updated 3 minutes ago at 1:40am

HSBC have 42 currencies in stock and ready to order now. Buy your currency online and get it delivered securely to your home address free of charge, or collect your order from any HSBC branch.

Jump to section:

• View today's latest HSBC rates
• Compare HSBC's rates

Travel money order limits and fees

• HSBC reviews

HSBC travel money rates

These are the latest HSBC exchange rates available right now. You must buy or reserve your currency online to guarantee these rates or you may be given a lower rate in-store.

Compare HSBC's exchange rates

We compare hundreds of exchange rates from dozens of currency suppliers across the UK. Select a currency below to see how HSBC's rates compare against other providers. Bear in mind that exchange rates aren't the only important factor when it comes to getting the best deal; commission, card surcharges and delivery costs can all affect the final amount of currency you'll receive. You can see the full range of currency deals on offer right now on our travel money comparisons .

There are no minimum or maximum order amounts for travel money bought in-branch, but an admin fee may apply to smaller orders so be sure to check this out if you're planning to buy over-the-counter. For online travel money orders, the minimum order amount is £100 and the maximum is £2,500. Delivery is free on all orders.

Latest HSBC reviews

Our users have rated HSBC Poor in 18 reviews. Read more on our HSBC reviews page.

Dire experience!

Ordered some Dollars and Levs with pick up due on Friday. Went to bank… no currency…. HSBC staff clueless…. Then advised we would get it next day via courier by 1pm…. No delivery… Spent another hour on the phone trying to find out where [...]

Read the full review

Like previous reviews, kept telling me my visa debit was the wrong card type. Tried other cards, same problem. GET IT FIXED!!! this is complete nonsense.

Tells me my card is the wrong type, it is not

The euro rate at HSBC right now is 1.0949. You'll need to buy or reserve your euros online to guarantee this rate; the euro rate offered in your local branch may be lower if you don't order online beforehand.

HSBC exchange rates are typically below average, and their travel money deals are not competitive when compared to other high street currency providers such as Waitrose and Sainsbury's .

If you want the absolute best exchange rate on the market, better currency deals are available from other suppliers, especially if you order online. Check out our travel money comparisons to find the best currency deals available right now.

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Traveling Internationally? Order Foreign Currency Before You Go

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Upon landing in a foreign country, expect a lot of lines. There’s immigration, passport control and customs inspection. But there’s one line you can — and absolutely should — skip: the airport currency exchange.

Not only does the airport currency exchange counter’s line cut into precious time abroad, but it’s typically a terrible money move. Airport currency exchange rates are among the worst you’ll find.

It’s not uncommon to see airport exchanges charging 14% more than the current International Monetary Fund (IMF) exchange rate. NerdWallet even found some premiums exceeding 17%. Some also charge additional fees on top of the poor exchange rate.

So what do you do if you need cash upon arrival to order a cab or tip the bellhop? Consider ordering foreign currency before you fly.

Most banks allow you to order foreign currencies, which you can typically pick up at a local branch before your trip. Some banks offer to ship currencies to you, and sometimes they don’t even charge extra for postage if you order a certain amount.

Plus, the exchange rate can be good. For instance, at Bank of America, the exchange rates we checked in January 2024 average roughly 6% more than the IMF rates — and less than half of what the airport currency exchanges are charging.

» Learn more: The best travel credit cards right now

How to order foreign currency from your bank

While the exact process varies by bank, most major banks make it easy to order online.

Typically you can access the currency exchange webpage through your bank’s website or mobile app, or by phone. From there, you usually enter the currency you need, add the desired amount, select the pickup method and place your order.

While you can generally expect a solid exchange rate, use a trusted source such as Reuters or the International Monetary Fund to find current exchange rates and ensure you get a fair deal.

Additionally, understand all the fees involved. For example, Citi charges a $5 service fee for transactions under $1,000, though it’s waived for clients with premium bank accounts .

Or you might get charged a shipping fee. Bank of America’s standard shipping costs $7.50, but overnight shipping is $20. Sometimes you can avoid shipping fees by opting to pick up the cash at a local branch or by being a loyal customer. Bank of America Preferred Rewards program members get free standard shipping.

There’s also generally a minimum amount of foreign currency you can order ($100 or $200 is common) and a maximum ($10,000 within a 30-day period is common).

Other good ways to pay abroad

If it’s too late to order foreign currency from your bank, here are other ways to curtail currency fees :

Find an in-network ATM abroad

Major banks usually have branches abroad or partner with other banks to create a network. Using those ATMs often provides a decent exchange rate while eliminating out-of-network ATM fees.

If you end up using a non-network ATM, pay attention to ATM fees , which vary but usually run about $5 per transaction. Given that, consider limiting ATM debit transactions by withdrawing the amount you think you’ll need for the entire trip, or at least a large portion of it.

ATM availability is more common in some places than others. Macau has the highest number of ATMs per capita with 316 ATMs per 100,000 adults, based on 2021 data from the World Bank Group. Uruguay, Canada and Austria are other destinations with the most ATMs per capita.

But other countries tend to have far fewer. For example, Kenya had fewer than 7 ATMs per 100,000 adults and Nepal had only 20 ATMs per 100,000 adults, according to the same data.

Pay with a credit card that doesn’t charge foreign transaction fees

Depending on the card, you might get dinged with foreign transaction fees of 1%-3% when you make purchases at non-U.S. retailers abroad.

That’s why it’s wise to carry a no-foreign-transaction-fee credit card abroad.

on Chase's website

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. .

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. .

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. .

» Learn more: The best no-foreign-transaction-fee cards

And more international merchants are taking plastic. This wider card acceptance and increased security are reasons travelers are ditching cash, according to the Visa Global Travel Intentions Study 2023, which polled more than 15,000 people in the Asian Pacific region between April and June 2023.

While this type of card won’t help you pay at cash-only businesses or get money for tips, it’s otherwise one of the smartest ways to pay internationally.

» Frequent travelers: Consider a multicurrency account

Try paying in cash dollars

If all else fails, offer to pay in U.S. dollars. In fact, some merchants or individuals accepting tips prefer it in certain countries. You might find vendors willing to give you an even better deal if you pay with U.S. dollars.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

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You are in section Home Travel and international Travel money Current Page

Travel money

Look no further than your own bank for your Travel Money with fee free deliveries straight to your door.

• At a glance

Start your holiday before you go. We'll deliver your holiday money to your door so you can focus on the important stuff (finding your sunglasses, planning what you want to buy in duty free...).

• quick and easy to order
• all major currencies available
• travel money delivered direct to your door for no fee.

Travel Money is provided in association with Travelex Currency Services Limited.

To order Travel Money you need to be 18+ and live in the UK.

How much will I be charged to buy travel money through first direct's service?

Order Requirements

• online orders must be paid for using your first direct ,  HSBC debit or credit card or Marks and Spencer credit card
• you will be advised of any charges payable before you confirm your order. Where applicable, these will also be shown on your order confirmation
• the service is free unless you use a credit card. If you use a credit card, you’ll usually pay a fee, which you can check with your provider before placing your order

When will you get your travel money?

• for orders confirmed before 2pm, Monday to Friday, we will aim to deliver your Travel Money by the next working day
• for any orders confirmed after 2pm, Monday to Friday, on a Saturday or Sunday, or on a Bank/Public Holiday, we will aim to deliver your Travel Money within 2-3 working days
• these delivery times are not guaranteed and deliveries to remote parts of the UK may take longer
• if we accept your order, we'll deliver your Travel Money to you at the address we hold for you. Your order needs to be signed for, so if you are not at home when your order is delivered, Royal Mail should leave a card giving details of where the order can be collected

Working day means Monday to Friday excluding UK Bank or Public Holidays.

Frequently asked questions

Can i order more than one currency at the same time.

Yes, you can add more than one currency to the same order.

How much can I order online from first direct?

You can buy travel money, only for you, worth between £100 - £2,500, by ordering it online at our website.

Can my order be cancelled?

You can’t cancel an order once you’ve placed it.  You can refuse to accept delivery.  If you do so, we’ll provide a refund using our buy-back rate. This is not the same rate as the purchase rate, so you may lose money on the transaction.  Also, if you paid by credit card, the credit card fee will not be refunded.

We can cancel or refuse your order if we believe it isn’t for personal use or think that the order may cause us issues with any laws or regulations.

What exchange rate will I get?

Your rate will be shown on the ordering screen at the time you place your order.

What else do I need to know?

Any complaint can be made to 03 450 511 378 or by secured message in our App and online banking or by writing to us at first direct, 40 Wakefield Road, Leeds, LS98 1FD. If we are unable to resolve it, you can go to the Financial Ombudsman Service at Financial Ombudsman Service, Exchange Tower, London E14 9SR or  [email protected] Opens an overlay [Will show a security message first]  or by calling 0800 0 234 567. 

The laws of England and Wales apply to these terms. We may need you to give us information and documentation relating to your tax liability (both within the UK and overseas, where appropriate). We may share this with tax authorities to establish your tax liability in other countries. 

Order your Travel Money Using your first direct debit card

Order online now.

For details on how we will use your personal information, please see our  Privacy Notice .  first direct   Travel money is provided by Travelex Currency Services Limited. Please read their Privacy Notice shown within the order form.

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HSBC UK Latest Currency Exchange Rates

HSBC travel money is a financial service offered by the well-known bank HSBC. Their exchange rates are poor compared to other online travel money providers.

Better exchange rates are available from other suppliers. See our Buy Currency page for a full comparison of today’s best rates.

✓Our Review of HSBC travel money

Pros: what we like :.

✓ Hassle-free home delivery of travel money.

✓ Home delivery is free on all orders.

✓ Click and collect allows you to collect in your local HSBC branch if home delivery is not an option.

Cons: What we like less:

✓Generally not the most competitive exchange rates.

✓Reviews of HSBC travel money services are low, swaying around the 2 out of 5 stars for service on popular consumer review sites.

✓You must have an account with HSBC or Marks and Spencer Bank to order travel money with HSBC.

Buy currency now with HSBC UK

Questions about hsbc uk.

If you want to order travel money for home delivery, you just need to visit HSBC travel money website and you can place an order online.

You just need to enter the following information into a simple form:

• ✓ Your personal details
• ✓ The amount of pounds you’re exchanging into the foreign currency
• ✓ Select the currency you’re exchanging your pounds into
• and select how you want to pay.
• Select your preferred delivery option, whether you want your travel money delivered to your home or to a HSBC UK branch near you.

Then, once you have made the bank transfer and they have received the payment, they will send you your travel money.

Not usually, it can vary, but buying travel money in the branches sometimes works out more expensive. However, you can order online and get it delivered to a branch near you for collection if home delivery isn’t a suitable option.

You can see the latest HSBC UK tourist exchange rates above or look for the best exchange rates on our travel money comparison tool where we compare the rates from all the best travel money providers.

This obviously will depend on the currency and exchange rates each of the travel money providers are offering. Our online comparison tool will show you all the latest travel money rates who is offering the best deals on your foreign currency.

You must be an existing customer of HSBC or Marks & Spencer Bank. You can pay for your travel money via bank transfer or debit card.

HSBC UK can have your travel money order shipped to your home address. They use Royal Mail Special Delivery which attempts to deliver to your chosen address before 1 pm.

Alternatively, you can order online and collect your travel money delivered to a HSBC or Marks & Spencer branch convenient to you.

HSBC do not offer online Buyback, Only in store. Please note you may not get the best buyback rates in-store, make sure you compare buyback rates to see the best exchange rates on offer before you make your decision.

Get more currency for your money!

Better rates are available from other suppliers

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CompareTravelCash.co.uk is a travel money comparison service that's designed to help you save money – whilst we do our best to ensure the site is 100% up-to-date, we cannot guarantee this. We advise you to carry out your own due diligence before buying or selling travel money.

Global Money Transfers

Say goodbye to transfer fees

HSBC Global Money Transfers lets you send money overseas faster and fee-free, with just a few taps on the HSBC Mobile Banking app. Other non-HSBC charges may apply.

Why use this service?

Free[@isw-gmt-free-transfers] transfers to HSBC accounts

No fee[@isw-gmt-non-hsbc-transfers] on transfers to any account worldwide

Real-time[@isw-gmt-real-time-rates] foreign exchange rates

Market-leading app experience

More benefits of global money transfers.

• Make transfers on a global scale Send payments in up to 21 currencies to over 200 countries and regions.
• Available to all HSBC customers, 24/7 Register for online banking and download the HSBC Mobile Banking app on your phone to send money, even on bank holidays.
• Send money like a local In 60+ countries and regions, your payments will arrive in 2-3 business days or earlier.

Things to know

Who can use the service.

You can use Global Money Transfers if you:

• are an HSBC customer in a market that offers the service (other eligibility requirements may apply on a market-by-market basis)
• have downloaded the HSBC Mobile Banking app

Where the service is available 

Asia-Pacific

Australia | Hong Kong SAR | India | Singapore

Expat offshore (Jersey) | UK

Middle East

If your country or region isn't listed, see our other ways to send money internationally .

Currencies you can make transfers in 

You can make Global Money Transfers in:

United Arab Emirates dirham (AED), Australian dollar (AUD), Canadian dollar (CAD), Swiss franc (CHF), Czech koruna (CZK), Danish krone (DKK), Euro (EUR), British pound sterling (GBP), Hong Kong dollar (HKD), Japanese yen (JPY), Norwegian krone (NOK), New Zealand dollar (NZD), Polish zloty (PLN), Saudi Riyal (SAR), Swedish krona (SEK), Singapore dollar (SGD), Thai Baht (THB), Turkish New Lira (TRY), United States dollar (USD), South African rand (ZAR).

Transfer money

New to hsbc.

Open an account to use Global Money Transfers.

Already an HSBC customer?

Download or log on to our mobile banking app to transfer money.

Other ways to send money internationally 

Online banking .

You can send money internationally through HSBC Online Banking and get the most up-to-date exchange rates – but the transaction might not be fee-free.

Wire/Telegraphic transfer

You can also visit your nearest HSBC bank branch and complete the wire transfer form, including the beneficiary details, amount and purpose of remittance.

Outward wire transfers are subject to tax compliance and the submission of required documents.

Foreign currency cheque

Foreign currency drafts are available in all major currencies.

Visit your nearest bank branch and submit the duly signed documents required for issuance of a foreign currency draft.

Charges may be applicable on transfers from the originating and receiving country/region. 

HSBC Global Transfers

Eligible HSBC Premier, Premier Elite or HSBC One customers can link their personal global HSBC accounts and make transfers between them, fee-free .

Frequently asked questions

What is hsbc global money transfers .

Global Money Transfers is an international transfer service available on the HSBC Mobile Banking app. You can use it to send money faster and fee-free[@isw-gmt-free-transfers] to anyone, anywhere in the world.

How do I send money with Global Money Transfers? 

How do i add payees .

You can add a payee in the app when you choose to pay and transfer. You'll also need to input payee account details, such as payee name, bank code, account number and payee address (optional in some cases).

Can I only send payments in the 20+ currencies I can hold? 

No, you can send payments in 60+ currencies to 200+ countries. To do this, just follow these steps:

• Log into your HSBC Mobile app.
• Select Pay & Transfer.
• Select Send Money Internationally.
• Select Country or Territory.
• Select the account you want to send from.
• Enter the amount you want to send.

Terminology may vary by market.

Can I transfer money to another HSBC account? 

You can send money to other HSBC banks in:

Australia, Bahrain, Bermuda, China, Egypt, Guernsey, Hong Kong, HSBC Expat, Indonesia, Isle of Man, Jersey, Malaysia, Malta, Philippines, Qatar, Singapore, Sri Lanka, Taiwan, United Arab Emirates, United Kingdom, United States, Vietnam.

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Hsbc premier  , credit cards for global citizens  , life abroad  .

1.23 75 USD

1 USD = 0.8081 GBP

Please note: Rates available to customers will be subject to additional costs. Read more

Last 1 Month GBPUSD The low and high points may not be visible in the chart. This is because the data points in the chart represent regular intervals but the low and high points for the period could be at any moment in time and these may not overlap.

This site provides HSBC's mid-market rates with a 1 minute delay Rates displayed are delayed by 1 minute. The rates shown will refresh every 60 seconds . These rates are indicative and are for informational purposes only. They are not available to customers and do not reflect tradeable prices on past or future transactions. Read more

Disclaimer: The information contained on this site is not (and should not be taken as) investment advice, an offer to sell or buy currencies, or other instruments, nor to enter into any transactions. Full Terms & Conditions

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• M&S Travel Money

Buy Travel Money

Currency calculator.

Our currency calculator is a quick and easy way to check our latest foreign currency exchange rates.

What do I need to bring to collect my foreign currency?

The benefits of exchanging your holiday money with M&S Bank

Wide range of foreign currencies.

We offer a wide range of foreign currencies in our Bureaux, with more available to order online. It is easy to compare travel money with M&S Bank. See footnote * *

As well as the euro and US dollar , our range includes currencies such as the UAE dirham, Bulgarian lev , Turkish lira , Thai baht and Mexican peso .

Travel money sale now on!

Click & Collect sale on euro and US dollar available until 11 April 2023.

£150 minimum order. Exchange rates will still fluctuate daily during the sale period, but you’ll receive the best rate applicable on the date your order is placed. Rates shown when placing your order are sale rates. Offer subject to availability, buy back not included. Cancellation fee and full T&Cs apply.

SameDay Click & Collect

• Order between £150 and £2,500
• Euro and US dollars available to order and collect in over 450 stores *
• Order and collect euro , US dollars , Turkish lira , New Zealand dollar , Australian dollar , Thai baht , Canadian dollar , South African rand and UAE dirham, from our Bureau the same day

Find my nearest Click and Collect store

Click & Collect † See footnote †

• A wide range of currencies available to collect from our in store Bureaux See footnote * *
• Order and collect from the next day

Our best rates on euro and US dollar when you Click & Collect

To get an even better exchange rate on euro and US dollar , use our Click & Collect service. Pay now and lock in today's rate, then collect from a store at a time convenient for you.

CHANGE4CHANGE

If you would like to donate your unused foreign currency to charity we have Change4Change collection boxes in our Bureaux, with all the money we collect going to Breast Cancer Now. Since 2007, we have raised over £630,000 for the charity via your Change4Change donations.

Find a Bureau

Travel money buy-back service

When your holiday is over, we'll buy back your leftover holiday money at the buy-back rate on the day you return it to the Bureau de Change. That's all unused notes in any denomination we sell.

Find out more about M&S Travel Money Buy Back service

If you would like to donate your unused foreign currency to charity we have Change4Change collection boxes in our Bureau stores, with all the money we collect going to Breast Cancer Now. Since 2007, we have raised over £630,000 for the charity via your Change4Change donations.

Find a bureau

When your holiday is over, we'll buy back your leftover holiday money at the buy-back rate on the day you return it to the bureau de change. That's all unused notes in any denomination we sell. Proof of purchase may be required so please retain your receipt, just in case.

Up to 55 days' interest-free credit when purchasing with an M&S Credit Card See footnote ** **

Representative example: based on an assumed credit limit of £1,200, our 24.9% rate per annum (variable) for purchases gives a representative rate of 24.9% APR (variable). Credit is subject to status.

No cash advance fee when M&S Travel Money is purchased using an M&S Credit Card.

What you'll need to bring

To collect foreign currency you've purchased online, you will need:

• A valid UK photographic driving licence, passport or EU national identity card (Romanian & Greek National ID Cards are not accepted)
• Your card you used to place your order - both ID and payment card must have the same name
• Your order number (this can be found on your confirmation email)

To purchase foreign currency in one of our Bureaux, you will need:

• A valid UK photographic driving licence, passport or EU national identity card - both ID and payment card must have the same name

Find my nearest M&S Bureau de Change

Use the M&S Bank Bureau Finder to find your nearest M&S Bureau de Change and opening hours.

Find a Bureau de Change

Manage your existing travel insurance policy

Want to renew, change or cancel your policy or need to make a claim?

Find out more - about managing your travel insurance policy

Planning a holiday abroad?

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

Need some winter sun?

Planning a winter sunshine break? Use our handy guide to help with your planning.

Ready to hit the slopes?

Thinking about a skiing holiday in Europe, North America or Asia? Use our guide to help you with your trip.

Planning to travel with cash?

Our guide explains how much money you can take abroad.

Learn more about the euro

How many countries use the euro? When was the euro first introduced? Find out more.

Using your credit card abroad

Going on holiday? Get to grips with how you can use a credit card outside of the UK.

What is RFID blocking technology?

If you are concerned about having your passport or credit card skimmed whilst abroad learn more about RFID technology.

What influences exchange rates?

Discover what factors contribute to the exchange rates that you see today.

How to budget for long term travel

Going on a long-term trip? Read our guide on how to budget successfully to ensure you have the most memorable time possible.

Visiting a Christmas market?

Learn more about the many Christmas markets across Europe.

Frequently asked questions

Can i use a credit card to purchase travel money.

Yes, you can use a credit card to purchase travel money. However, please check with your card provider as they may apply fees or charges e.g. cash advance fees or other fees.

Our Bureaux accept the majority of UK issued major credit cards.

How much cash can I travel with?

You can learn more about taking cash in and out of Great Britain and declaring cash by visiting gov.uk .

Should I get foreign currency before I travel?

Buying your travel money before you travel can be an important part of pre-holiday preparation. You can use our Currency Converter to get the latest exchange rates across worldwide holiday destinations.

You can also check out our handy holiday checklist to help with planning ahead of your trip.

Where can I collect M&S Travel Money from?

You can collect M&S Travel Money from over 100 bureaux de change or from over 350 stores nationwide. You can find your nearest M&S Bureau de Change using our Bureau Finder .

Where can I get the best exchange rate?

Exchange rates change on a regular basis and vary depending on the currency you order. At M&S Bank, we offer our best rates for euro and US dollar via the Click & Collect service, where you can order your currency and collect from the next day in an M&S location local to you. If you order online before 4pm, you can collect the same day. For all other currencies, check our website for more information.

How much travel money can I order?

For orders placed via Click & Collect, there is a minimum £150 order and maximum of £2,500. For Bureau de Change walk-ups, there is no minimum order.

How do I confirm my Travel Money purchase using my M&S Credit Card?

There are three ways to verify your payments - you can use our M&S Banking App, a one-time passcode via text message or by using a card reader to verify your payment. Use our how-to videos or step-by-step guides to find out more.

Have a question about travel money or other travel products?

Ask our Virtual Assistant

Useful information

View exchange rates

Find out more about euro rates

Find out more about US dollar rates

Find out more about Australian dollar rates

Find out more about Canadian dollar rates

Find out more about New Zealand dollar rates

Find out about M&S Travel Insurance

Important documents

M&S Travel Money Terms and Conditions

M&S Travel Money Click & Collect Sale Terms and Conditions

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HSBC Global Money Account Terms and Conditions

Our agreement.

These terms should be read together with:

• our Banking Terms and Conditions
• our Privacy Notice https://www.expat.hsbc.com/privacy/ , which explains how we collect, use, store and share your information
• our Digital Banking terms , which sets out how you can use our mobile banking app.

These documents together form the Agreement between you and us for the Global Money Account.

These Global Money Account Terms and Conditions are governed by the laws of Jersey and the courts of Jersey have jurisdiction in relation to any dispute in connection with or arising from these terms.

We don't pay any interest on the money in your Global Money Account.

What you'll need to use the Global Money Account

In order to use the Global Money Account, you need to

• Have an HSBC Expat Bank account with us https://www.expat.hsbc.com/international-banking/open-an-account/ .
• Register for our online banking services.
• Download our Mobile Banking App on your device.
• Register for a Global Money Account using our online banking portal through the Mobile Banking App.

Global Money with HSBC Expat is presently only available through the mobile banking channel. If that changes in the future, we will let you know.

Exchanging currency

We will apply our prevailing exchange rate at the time you change currency in your Global Money Account. The rate you receive will depend on the following factors:

• whether you are a HSBC Expat Premier or Advance customer
• the amount you would like to convert; and
• the currencies being exchanged.

We will show you the latest exchange rate we offer for each transaction. The final exchange rate will be set when you confirm the transaction. 

Limits to currency exchange

We’ll do all we reasonably can to carry out our promises to you but sometimes there can be restrictions (for example only, technical, legal or regulatory) on exchanging one currency to another may stop us from completing a transaction. In these situations, we won’t be responsible for any losses (whether direct, indirect or consequential – such as a loss of opportunity) you may have.

Checking your money

You can check your balance and get information about your transactions at any time on our Mobile Banking App.

We provide electronic statements on a monthly basis through our Mobile Banking App. Statements show all amounts added to or taken from your Global Money Account during a given period. You can check all your statements for the last 7 years on the App.

Printed paper statements can be requested for a fee, please see the Tariff of Charges for full information.

Fees and charges

We don’t charge you for having a Global Money Account, but we may charge you for actions you take when using it. Charges apply for some types of international payment.  Please see our Tariff of Charges for full information.

There is currently no overdraft available on your Global Money Account.

Making changes

We can change our terms (including these terms) and fees. Where possible, we’ll tell you at least 30 days in advance of any change. If you don’t agree with a change, you can close your account.

We can't predict all of the reasons why we may need to make a change in our terms and fees, but the most common reasons are:

• changes to laws or regulations
• changes to our business, the technology, services or facilities
• decisions we have to follow (such as by a court or regulator) or new industry guidelines or codes of practice
• to cover the increased cost of offering a product or service.

If we make changes for any other reasons, we'll make sure the change is reasonable.

Suspending or closing your Global Money Account

You can close your Global Money Account at any time via the HSBC Expat Mobile Banking App.  If you have any pending transactions, you will not be able to close the account until these transactions are settled.

For a variety of reasons (for example only, legal and regulatory) and explained in greater detail in the HSBC Expat Account terms & conditions, we may suspend or close your Global Money Account immediately if we suspend or close any of your deposit accounts, or by giving you at least 60 days’ notice.

Access to your Global Money service is linked to your HSBC Expat current account. That means for example that when your Expat current account is suspended or frozen, your Global Money account will likewise become inaccessible.

Once your Global Money Account is closed, we will transfer the credit balance to your current account.

We won't be responsible for any losses caused by us suspending or closing your Global Money Account.

Your duty to protect yourself and your devices

It is paramount that you inform yourself how to properly protect your identity and your online and mobile banking access from unauthorised use, fraud, theft and other such risks. If you don't follow appropriate safety procedures, such as included (for example only) the guidance in our Digital Banking Terms and Conditions about how to stay safe online , you may be liable for any consequences of a security breach.

Please be mindful that maintaining your digital safety is never “done” but something you always have to be mindful of.

How we will stay in contact

We'll contact you using the most recent contact information you've given us, so remember to tell us if your contact details change.

Please see https://www.expat.hsbc.com/contact/ for details of how to contact us. 

Global Money Debit Card

About your card.

The Global Money Debit Card refers to both the physical and digital version of the debit card. You can only apply for the Global Money Debit Card through the HSBC Mobile Banking App.

When you request a Global Money Debit Card, we will issue your digital card instantly and this is stored in the HSBC Expat Mobile Banking App.  At the same time, we will create a physical plastic debit card and post this to you shortly after. 

The Global Money Debit Card is linked to your Global Money Account and can only be used to debit this particular account. 

You can use your Global Money Debit Card wherever Visa is accepted, including, but not limited to:

• a point of sale terminal in-store;
• via a Mobile Wallet (such as Apple Pay or Google Pay).

The same terms apply to your debit card, regardless of whether you are using the contactless-enabled physical card, the digital card as stored in the HSBC Expat Mobile Banking

App, or either of these cards stored into your Mobile Wallet.

All fees and charges related to the Global Money Debit Card are listed in our Tariff of Charges.

To protect you from fraud, we may place additional limits on your Global Money Debit Card until you have received it and used it in a Chip and PIN transaction, either in-store or at an ATM.

As part of the security measures for your Global Money Debit Card, we will send you SMS messages and/or emails for verification purposes.  We will do this when you make purchases or undertake other activities with your card (such as adding the card to a mobile wallet). To ensure you can order the card and successfully complete transactions, you must make sure that the phone number and email address held by us are correct.

Currencies and Foreign Exchange

The base currency of the Global Money Debit Card is pounds sterling (GBP).

You may use the Global Money Debit Card to transact in multiple currencies directly from your Global Money Account, and many more with a foreign exchange from your GBP Sterling balance.

When making a payment, if you have enough of the transaction currency in your Global Money Account, we will process the payment using that currency balance (excluding Chinese Yuan Renminbi). If you don't, we'll deduct enough money from the Global Money Account in pounds sterling (GBP) to make the payment and convert it.  If you have some, but not all, of the funds in the transaction currency, we will make a split payment, debiting that currency first and taking the remainder of the balance from your pound sterling (GBP) balance.

If the payment requires a foreign exchange and is in a currency available in the Global Money Account, we'll convert it using the HSBC Global Money Exchange Rate. If it isn't, the card scheme (Visa) will convert the transaction. They’ll do this on the day they process it using their exchange rate. You can check the exchange rate by visiting the card scheme’s website.

You must make sure there are sufficient balances in your wallet in the correct currency and/or pound sterling (GBP) in order to complete the transaction, otherwise your payment will be declined.

Cancelling your card

You may cancel your Global Money Debit Card through the HSBC Expat Mobile Banking App or, if you are unable to access mobile banking for whatever reason, via telephone banking. The cancellation of the Global Money Debit Card will result in the automatic cancellation of both physical and digital cards, but will not affect your Global Money Account. If you have any pending transactions, you will not be able to cancel your Global Money Debit Card until these transactions are settled.

Mobile Wallets

A mobile wallet or e-wallet is a service which allows you to store your card on a mobile device and use that device to make payments in-store or online, such as Apple Pay or Google Pay.

You may need to agree separate terms with the Mobile Wallet Provider, which govern the registration and storage of a digital version of your Global Money Debit Card in the Mobile Wallet and the use of the Mobile Wallet (including the use of any data you provide to the Mobile Wallet Provider). Those separate terms you agree with the Mobile Wallet Provider will not change or override these Global Money terms or any of our other terms and conditions.

Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

Suspension of your card

There are a number of circumstances in which we can suspend or restrict your card, but there are a couple of additional circumstances that apply to the use of a card registered on a device or with an e-wallet. These are where:

• the service is no longer available to our customers; or
• you have notified the e-wallet provider, the device manufacturer or a mobile network provider to whom you have been advised to report your device as lost or stolen and they take steps to suspend the cards registered in an e-wallet or on a device.

Using a card registered on a device or within an e-wallet to make payments

If you have registered for an e-wallet, you can use a card stored in it or a card stored on your device to make payments to retailers who accept contactless payments and display the same card scheme sign as on your card (Visa).  Contactless payment limits may apply to transactions authorised using a card stored in an e-wallet or on your device. This can vary between retailers and payment card terminals that are used. We may therefore refuse a payment transaction if it exceeds the current contactless limit applicable to a specific retailer.

You can authorise a card payment using a card stored on a device or in an e-wallet by following the procedures notified to you by the device manufacturer or e-wallet provider. For example, this will include:

• at a retailer's premises by holding your device (e.g. your compatible smartphone or associated watch) within a few centimetres of a card reader and entering the security details requested (this includes any device security information and any fingerprints stored in your device). You may also be required to activate your phone or device first or enter security details before presenting the device to a card reader
• to make an "in App" purchase on your compatible device with a participating retailer by selecting to pay by that method and entering the security details requested for that type of payment (which may include your device security details).

If you have stored more than one card on a device or in an e-wallet, you may be required to select a default card. When you authorise a payment, it will relate to your default card unless you actively select a different card.

Our responsibilities when things go wrong

Your card agreement sets out who is responsible when different things go wrong. We won't be responsible if you are unable to use a device, an e-wallet or any of your cards stored on a device or within an e-wallet unless this is as a result of something we have done. This is because these services are not provided by HSBC and we do not control the platform, e-wallet or device.

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