Remember the old days when you had to go to the bank, passport in hand, to convert your sterling into foreign currency? Those days are now long gone and there is no shortage of places where you can secure your money for a trip abroad. But with so many choices where is the best place to exchange your currency? Is it the bank, travel agent or local finance company?
If you need to quickly change your pounds into Euros, Dollars, or whatever foreign currency of your choosing, then your options may be limited . Depending on the amount of foreign cash you need you may have to order in advance, particularly with the post office or bank. The waiting time may only be short, often as little as 24 hours, but that is not good if you require your foreign currency immediately. One way round this is to visit your local finance company. There are many of these in the local high street. Not only can they change your money for you instantly, but some also charge absolutely no commission for the transaction.
As well as not keeping you waiting for your foreign currency, many local finance companies will offer excellent rates of exchange as they check the rates daily, and crucially for those going abroad on a limited budget, often do not have a minimum order value. As well as being able to meet your foreign cash requirements, local finance companies can also can provide travellers checks for the voyager seeking protection against loss or theft.
If you need to acquire foreign currency immediately and are not sure where your local finance company is situated, just look in your local Yellow Pages, or check on the internet.
With most people now carrying debit, credit or pre-paid cards, many holiday makers and travellers choose to draw out their foreign currency abroad by using the local cash machines. While this method may seem convenient and mean that people do not have to travel with wallets, money belts and purses stuffed with cash, it is expensive. The charges by bank and credit card providers on cash drawn out of cash machines abroad are high, and you may also suffer a poor rate of exchange. And even if you do prefer using your cards abroad, you will need at least some ready foreign cash to meet your immediate needs.
So should you use your bank, travel agent, or local finance company to change your currency? The decision will depend on your needs, but if you require foreign cash immediately, your local finance company is your best option.
Xtra Finance provide a Hull currency exchange service with instant cash and no commission fees
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