Most UK holidaymakers get the best overall value when they order travel money one to three weeks before departure — not on the way to the gate.
Why timing matters
Online travel money providers publish rates that move with the wholesale market. Ordering too early can mean you lock in before a favourable move; leaving it until the last minute often pushes you toward premium airport or station rates and delivery fees for next-day or weekend slots.
A practical approach:
- Two to three weeks ahead — enough time for home delivery or collection, and to compare several quotes without panic-buying.
- Split larger amounts — if you are buying a sizeable sum, consider two orders a few days apart so you are not betting everything on a single day’s rate (this is a budgeting tactic, not a guarantee of profit).
- Check cut-off times — bank holidays, strikes and courier peaks can add a day or two around Christmas and summer peaks.
Cards, cash and the airport trap
Many travellers use a mix of a travel-friendly card and some cash for taxis, markets and tips. Whatever you choose, changing money at the airport is convenient but usually costs more per pound than ordering online in advance.
Once you know your travel dates, sort airport parking, lounges or a terminal hotel early — the savings there often dwarf a small currency swing.
Compare before you commit
Our holiday money comparison shows how much currency you would receive after fees and minimum spends from major UK suppliers, with rates refreshed frequently. Pair that with guides for popular currencies such as euros and US dollars to build a simple plan: compare, order in good time, and avoid the departures lounge bureau unless you have no alternative.