Just for anybody who uses an M&S credit card to purchase foreign currency in their stores – but has a Debenhams with a foreign currency desk in convenient travelling distance.
Thanks to MSE Travel Money tool I’m always finding a better deal at Debenhams, even compared with the preferential rates offered to M&S credit card holders
Especially if you have a Debenhams chargecard, or better still, a Debenhams credit card.
Like the M&S card, these are charged as purchases, not as a cash advance – which would be applied to other credit cards.
I recently bought around £100 worth of Polish currency (ready for immediate needs on arrival) and saved the best part of £5 on the deal compared to M&S.
Obviously if you are looking for larger amounts of foreign currency then it’s a bigger saving.
The only downside is that relatively less popular currencies can take several days to be available for collection.