Travel Money Terms & Conditions

This section sets out the terms and conditions under which The Currency Account supplies Travel Money. By using this Service, you acknowledge that you have read and understood these terms and conditions, and agree to be bound by them. If you do not understand and/or agree to these terms and conditions do not place an order with us as by placing an order with us you are indicating your acceptance to these terms. These terms and conditions shall apply to all travel money contracts formed between you and us to the exclusion of any other terms and conditions you may seek to impose or incorporate, or which are implied by law or otherwise unless each of you and us agree, in writing, to vary these terms and conditions and confirm, in writing, the variation.


'Business Days': means from 9.00 am - 5.00 pm Monday - Friday (inclusive) save for any public bank holidays in England and Wales;

'Contract': means the formal contract entered into between you and us, created upon our acceptance of your order in accordance with clause 3.2;

'Consumer': means a person who is not acting in a business capacity;

'Cooling Off Period': means the period set out at clause 4.1;

'Service': means the travel money purchased by you pursuant to the Contract;

'We/us/our': shall mean Wirepayer Ltd as the Service Provider and The Currency Account Ltd as the Programme Manager;

'Website': refers to

'You and/or your': means a person agreeing to these terms and conditions in order to use our Service.


2.1 This Service is only available to individuals aged 18 or older residing in the United Kingdom.

2.2 You may only use this Service for holiday or business travel and not for speculative, investment or any other purpose.

Placing an Order

3.1 You can place an order online by registering with The Currency Account.

3.2 Your order constitutes an offer to us to buy the Service. All orders are subject to our acceptance. Please read clause 3.8 for details of how we may accept your order.

3.3 Orders placed will be rounded up or down to the nearest currency note. We are unable to supply foreign coins. Currency availability may be subject to monetary limits, currency exchange restrictions and to you complying with Anti-Money Laundering regulations. This means that we may require you to produce additional identity and proof of address documents and reason for cash withdrawal.

3.4 When placing an order, you warrant to us that the information that you provide to us is true and accurate in all respects, that you will not withhold any material information from us and you will provide us with any information that we may reasonably require. Providing incorrect and/or inaccurate information may lead to the Services not being provided to you and we shall not be held responsible for this.

3.5 The minimum order value is £10/€10/$10; a minimum fee applies and this will be stated clearly during the transaction. (We reserve the right to amend the minimum order values at any time at our discretion without notice, and without liability to you).

3.6 The maximum order value is £7,500 or currency equivalent as specified on the Fees Page. (We reserve the right to amend the maximum order values at any time at our discretion without notice, and without liability to you).

3.7 You can only place a maximum order value of £7,500 currency equivalent per order, per day for delivery. Any additional orders you place will be processed at our discretion on another delivery date.

3.8 Once the order is submitted, an automatic acknowledgment email will be sent to the email address provided by you, detailing the order reference number. This confirms our acknowledgement of your order but this shall not constitute our acceptance of your order. Acceptance of your order shall be the earlier of:

3.8.1 an email dispatch confirmation that the Service is to be provided, if one is sent; and

3.8.2 the provision of the Service

3.9 If at any time we suspect that an order has been placed fraudulently, we may cancel the order at any time and without notice to you.

Cancellations (including cancellation of your holiday or business trip)

4.1 You cannot amend or cancel an order after it has been placed and confirmed by us.

4.2 You acknowledge and agree that we can refuse / cancel your order at any time, for any reason, at our absolute discretion in which event we shall refund the money back to your account.

4.3 Only under exceptional circumstances (and at our sole discretion) may an order may be cancelled, but this will be done with an administration fee of £35

4.4 If you are in breach of these terms and conditions and if capable of being rectified and after receiving notice, you do not rectify the breach within a reasonable time, we may cancel your order.

4.5 We may also terminate an order if we are required to do so through instruction of any law enforcement agency or regulatory body. In this case we may retain all or any of your money if we are required to do so by law and then deal with it as ordered by a court or other body of competent jurisdiction.


5.1 A handling fee will be charged for the Travel Money delivery service. This will be specified at the time of ordering on the platform.

5.2 Additional charges will apply for Saturday delivery.

Available Funds

6.1 You will need to load your account with Sterling funds and exchange to the currency you require before you can request a foreign currency travel money order.


7.1 You can find out the status of your order at any time by emailing our Customer Services team. Details can be found on the "Contact Us" Page

7.2 Your order can only be delivered to your residential address. Orders cannot be delivered to any other address, including work addresses.

7.3 All orders are sent by Royal Mail Special Delivery (unless you are advised otherwise). A signature will be required on delivery. That signature will represent proof of delivery.

7.4 Your order is subject to Royal Mail's Special Delivery terms and conditions (a copy of which is available from Royal Mail upon request at If you click on this link you will leave our Website and our privacy policy and terms and conditions will no longer apply. This link is provided for your information only. We have no control over the contents of Royal Mail's website or resources and accept no responsibility for them or for any loss or damage that may arise from your use of Royal Mail.

7.5 The following earliest dispatch times will apply if you opt for the standard, next Business Day delivery:

Order placed and payment received

Order Dispatch

Before 1pm Monday to Friday

Same Business Day

After 1pm Monday to Friday

Following Business Day

After 1pm Friday and over the weekend


The dispatch schedule is subject to variation for public holidays. During these periods, information about revised delivery times may be posted on the Website

7.6 Your order should reach you the next Business Day before 2.00pm. You should inform us of any problems with the delivery of your order within one Business Day so that they can be remedied for you. Claims may be reduced or rejected if we have not been notified within this timescale.

7.7 You should check the amount of travel money received against the order and report any discrepancies to the Company within 24 hours of receipt. Upon being notified we will conduct a full investigation into the discrepancy claim and advise the outcome within five Business Days. We cannot be held liable for any discrepancies that are not reported within 24 hours of receipt.

7.8 We will not be liable for any losses or expenses arising from late or non-delivery by Royal Mail. If Royal Mail fails to deliver your order, including the loss of your order, or if an order is fraudulently accepted by anyone unbeknown to you, then we will investigate the non-delivery of your order. If you claim your order has not been delivered but Royal Mail can provide evidence that your order has been signed for and delivered in accordance with their terms and conditions relating to Special Delivery™, a crime reference number must be sought by you to support your claim. Some investigations can take up to 25 Business Days before knowing if we can offer you a full refund or not. In some circumstances, we may be able to offer you a full refund of your money sooner but in all circumstances, the earliest a refund can be given will be after 10 Business Days of dispatch.

7.9 You must refuse to accept any packages which appear to have been tampered with or damaged during transit by Royal Mail. Should you sign for a package which has been damaged or tampered with, we will not accept any responsibility for any financial loss.

7.10 We advise you to place your order at least 3 Business Days before it is required, as we cannot offer you any alternative arrangements at short notice if your order is delayed in transit for whatever reason.

7.11 Royal Mail may not be able to deliver to certain areas in the United Kingdom. Information of such areas can be viewed on Royal Mail's website at If you click on this link you will leave our Website and our privacy policy and terms and conditions will no longer apply. This link is provided for your information only. We have no control over the contents of Royal Mail's website or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of Royal Mail.

Import and Export Restrictions

8.1 You must independently check the relevant currency restrictions applicable in different countries. We are not responsible for any currency restrictions applicable outside of England. Please contact the relevant authorities of the country concerned before placing your order with us. We will not be liable for any breach of laws outside of England.


9.1 If we are in breach of our obligations under these terms and conditions, we will only be liable to you for the direct losses that you incur. Direct losses mean the value of the currency you wish to order from us, pursuant to purchase by you.

9.2 We will compensate you based on a reasonable pre-estimate of the loss you suffer resulting from such breach. Our maximum liability to you in respect of each order will be to refund the total value of the order.

9.3 We will not be liable to you for any losses that we could not reasonably be expected to foresee or to occur or for any loss of profits, loss of opportunity, loss or waste of time, loss of anticipated savings, loss of business, consequential or special loss.

9.4 We will not be liable for any failure on the part of Royal Mail or any other carrier we may use to send your order.

9.5 Neither we nor you will be responsible to the other if the failure to comply with any of these terms and conditions is:

(a) due to unforeseeable circumstances beyond our/your control, such as war, riots, the consequences of which would have been unavoidable despite reasonable efforts to the contrary;

(b) due to any governmental or court order or any other legal obligation.

9.6 You will compensate us for losses caused to us as a result of your fraudulent conduct or if you breach these terms and conditions. The amount paid by you under this condition will represent a reasonable assessment of our losses. The protection provided by you under this condition will not apply if we deliberately or negligently caused the loss.

9.7 Nothing in these terms and conditions shall exclude our liability for:

9.7.1 death or personal injury caused by our negligence;

9.7.2 fraud or fraudulent misrepresentation; or

9.7.3 any other matter for which it would be illegal for us to exclude or limit our liability.