H&T Travel Money

The table above shows how H&T compares to the best available rates in the UK right now.

H&T Travel Money is the foreign currency service offered by H&T Pawnbrokers, a long-established UK high-street brand with hundreds of branches nationwide.

Unlike airport-focused providers, H&T is primarily a high-street, in-store travel money provider. They do not offer home delivery, so all foreign currency purchases must be collected in person from a local H&T branch.

H&T promotes competitive in-store rates, improved rates for larger amounts, and a local rate-beat promise.

1. Click & Collect (FX)

You can order your travel money online and collect it from a nominated H&T branch.

Lock in your exchange rate online, Collect in store at a time that suits you although H&T offer no home delivery.
Orders can be cancelled before collection for a full refund but if you do not collected within 7 days, the order is cancelled and refunded

This is the easiest way to buy travel money from H&T, as your rate is agreed before you visit the branch.

2. In-store exchange (walk-in)

You can walk into an H&T branch and exchange money on the spot.

• Rates are set in-store on the day
• No advance rate lock
• Availability depends on branch stock

Rates are often less competitive than ordering online, particularly at busy locations.

3. Local rate-beat guarantee (in store only)

H&T offers a “We will beat any local rate” promise on travel money.

• Applies to competitors within 3 miles of the H&T branch
• Must be redeemed in store only
• Same-day comparison required
• Like-for-like currency and transaction
• Cannot be combined with other offers

This can work well in areas with multiple bureaux de change but requires timing and proof. However unlike say in a supermarket you can often haggle for foreign currency, just be prepared to walk away.

Better rates for larger amounts

H&T advertises improved exchange rates for higher-value transactions, something that the Post Office does as well.

• Larger orders may qualify for a better rate
• Thresholds vary by currency and branch
• Rates are not always clearly published online

This can benefit customers exchanging larger sums, particularly when ordering online.

H&T advertises 0% commission. As with most travel money providers, the cost is built into the exchange rate, so it does not have much value (other than in airports where you may find you get charged commission as well).

H&T offers major travel currencies including euros, US dollars, Australian dollars, and other popular destinations. Availability varies by branch, so ordering online helps secure stock. One word of warning is that often you cannot collect currency until after 10 am – even if the store is open,

Debit and credit cards are accepted. Valid photo ID is usually required, typically a UK passport or UK photocard driving licence.

H&T Travel Money is a convenient high-street option for travellers who want to collect cash in person. We would say that after going into several they do tend to be on out of the way locations, and the focus of the store is buying jewellery and trading in gold. Also there is no home delivery, which seems to be an missing part of their offer to consumers.

Ordering online for Click & Collect gives greater certainty, while the local rate-beat guarantee can help in competitive areas. As always, comparing H&T’s exchange rate against online travel money specialists before committing can make a meaningful difference, especially on larger amounts.