Travel FX are specialist dealers in foreign currency, providing a leading alternative to Bureau de Changes for clients seeking the best exchange rates. Travel FX offer some of the best rates on the market, with free home delivery over £700 and no commission.
Travel FX
31-33 College Road Harrow HA1 1EJ
FCA Registered: No
FCA Authorised: No
Last updated 2 minutes ago.
Home Delivery
Delivery is free on all orders over £700, otherwise a £5.00 handling fee will apply. All orders are sent via Royal Mail Special Delivery which is fully insured and guaranteed to arrive on the next working day. Saturday delivery is available for an additional charge if you contact Travel FX after placing your order. If you are ordering multiple currencies, Travel FX treat each currency as a separate order so you will have to pay a £5.00 handling fee if any of the individual currencies on your order total less than £700.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
With over 35 years experience in the foreign exchange sector, Sterling has established an excellent reputation for offering the best exchange rates and excellent customer service to a long standing and ever expanding clientele.
Sterling
105 Edgware Road London W2 2HX
FCA Registered: Yes
FCA Authorised: No
Last updated 2 minutes ago.
Home Delivery
Get your currency delivered the next day if you order before 12pm Monday - Thursday. Delivery is free on all orders over £700, otherwise a £6.00 delivery charge will apply. All orders are sent via Royal Mail Special Delivery which is fully insured and guaranteed to arrive on the next working day.
Click & Collect
You can also reserve your currency online and pick it up free of charge from Sterling's London branch at 105 Edgware Road, W2 2HX. You may get a different rate in-store that the one shown here.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
Sterling accept the following payment methods:
Bank Transfer
Debit Card
There is a £2,500 limit for Debit Card payments. Orders over this amount must be paid for by Bank Transfer (up to £7,500).
Currency Online Group specialise in providing travel money and currency buy back services. We offer exclusive, enhanced Currency Buyback rates to Compare Holiday Money customers that you won't find anywhere else.
Currency Online Group
PO BOX 56499 Blackheath SE3 3DR
FCA Registered: No
FCA Authorised: No
Last updated 2 minutes ago.
Home Delivery
Choose your delivery date and get your currency delivered to your home or work address for ultimate convenience. Delivery is free on all orders over £750, otherwise a £5.00 delivery charge will apply. All orders are sent via Royal Mail Special Delivery which is fully insured and guaranteed to arrive on the next working day.
Click & Collect
You can also reserve your currency online and pick it up free of charge from one of Currency Online Group's collection points in central London. Their Blackheath collection point is open Monday - Friday, or you can collect from Waterloo or Greenwich 7 days a week.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
Currency Online Group accept the following payment methods:
The RBS group is a large international banking and financial services company. From its headquarters in Edinburgh, the Group serves over 30 million customers in the United Kingdom, Europe, the Middle East, the Americas and Asia.
RBS
36 St Andrew Square Edinburgh EH2 2YB
FCA Registered: Yes
FCA Authorised: Yes
Last updated 5 hours ago.
Home Delivery
Order before 2pm for next working day delivery to your home or nearest branch, or select convenient delivery a date up to 10 days in advance. Orders over £500 are delivered free, otherwise a £5.00 delivery charge will apply. Preferential exchange rates are available to Reward Silver, Reward Platinum and Reward Black account holders.
Click & Collect
If delivery to your home isn't an option, RBS will deliver your currency to your nearest branch so you can collect it at a convenient time. Just select Branch Collection when placing your order and follow the instructions.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
NatWest was formed in 1968 by the merger of National Provincial Bank and Westminster Bank, and was acquired by RBS in 2000. Foreign currency forms part of their financial services, but NatWest are primarily known for their general banking services.
NatWest
135 Bishopsgate London EC2M 3UR
FCA Registered: Yes
FCA Authorised: Yes
Last updated 5 hours ago.
Home Delivery
Order before 2pm for next working day delivery to your home or nearest branch, or select convenient delivery a date up to 10 days in advance. Orders over £500 are delivered free, otherwise a £5.00 delivery charge will apply. Preferential exchange rates are available to Reward Silver, Reward Platinum and Reward Black account holders.
Click & Collect
If delivery to your home isn't an option, NatWest will deliver your currency to your nearest branch so you can collect it at a convenient time. Just select Branch Collection when placing your order and follow the instructions.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
Secure delivery via Royal Mail Special Delivery by 1pm in two business days as standard, or choose optional next business day, nominated day and Saturday delivery. Go Premium for unlimited fast and free deliveries, premium exchange rates, exclusive airport parking and hotel discounts, and a very clever app to help you save and plan.
Travel Money Club
146 Leadenhall Street London
EC3V 4QT
FCA Registered: No
FCA Authorised: No
Last updated 2 minutes ago.
Home Delivery
The Travel Money Club offer two options for ordering your currency: standard home delivery in two business days for a one-off delivery charge of £9.95, or free next day delivery if you become a premium member for £5.99 per month or £60 a year. Premium membership includes enhanced exchange rates, unlimited free deliveries and delivery to any address in the UK (not just to your home address).
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
Travel Money Club accept the following payment methods:
We believe that ordering foreign currency should be a simpler and more enjoyable experience. We are a start-up owned by City Forex, a company based in London which has conducted over £5 billion of foreign exchange transactions since forming in 2004. All orders are fully insured.
Airmoney
146 Leadenhall Street London EC3V 4QT
FCA Registered: Yes
FCA Authorised: No
Last updated 14 minutes ago.
Home Delivery
Delivery by Royal Mail insured post to your home or work address. You can choose a delivery date for convenience. Free on orders over £750, under this amount a £3.75 postage charge will be applied. We also offer a free same-day courier service for London clients based in the City, the West End or Canary Wharf. No need to queue in store. We will drop your order to your desk the same day!
Click & Collect
You can also collect your currency at one of Airmoney's three London locations: 146 Leadenhall Street (EC3V 4QT), Andaz Hotel (EC2M 7PY) or 1 Fenchurch Place (EC3M 4AF). You'll need to take the card you used to pay and proof of your identity when you collect your order.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
NM Travel Money are part of NoteMachine group, handling 2.5 million foreign exchange transactions each year. Opt for free next day delivery to over 160 eurochange or NM Money branches across the UK, or get your currency delivered to your home. Debit cards accepted.
NM Travel Money
Elvicta Business Park Crickhowell NP8 1DF
FCA Registered: Yes
FCA Authorised: Yes
Last updated 2 minutes ago.
Home Delivery
Order online by 4pm and get your currency delivered by 1pm on the next working day. All orders are sent via Royal Mail Special Delivery which is fully insured and guaranteed to arrive on the next working day. Get free home delivery on all orders of £1,500 or more for Euros and US Dollars, and £750 or more for all other currencies. NM Travel Money don't deliver under these amounts but you can still order online and collect in store.
Click & Collect
Reserve your currency online and pick it up the next day (if ordering before 4pm) free of charge from over 175 eurochange and NM Travel Money stores nationwide.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
NM Travel Money accept the following payment methods:
Tesco Bank provide a convenient and secure online ordering system where you can order your currency online for home delivery or pick it up from one of hundreds of dedicated Click & Collect stores around the UK. Note: these are ONLINE rates - you may get a lower rate in-store unless you order online in advance.
Tesco Bank
2 South Gyle Crescent Edinburgh EH12 9FQ
FCA Registered: Yes
FCA Authorised: Yes
Last updated 15 minutes ago.
Home Delivery
Order before 2pm for next working day delivery. Free over £500, smaller amounts incur a £3.95 delivery fee.
Click & Collect
Collect the next working day at over 400 stores for euro and US dollar. 5 days notice required for other currencies.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
John Lewis price match their rates every day. Visit a Bureau de change in your local John Lewis and Partners shop. Same great rates with 0% commission in store and online.Euros, US Dollars and 28 other currencies available instantly at our Bureau de change.
John Lewis
171 Victoria Street London SW1E 5NN
FCA Registered: Yes
FCA Authorised: Yes
Last updated 30 minutes ago.
Home Delivery
Delivery by insured Royal Mail post. Minimum online order £500. Delivery free over £1000 under this amount £5.00 delivery charge is applied.
Click & Collect
Order online for collection at any John Lewis and Partners Bureau de Change.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
Travelex was founded in 1976 and has since grown to become one of the most recognised brands in the Travel Money sector with over 1,100 branches worldwide. As well as providing currency services for many banks and supermarkets, Travelex also operate 900 ATMs around the world.
Travelex
90 York Way London N1 9AG
FCA Registered: Yes
FCA Authorised: No
Last updated 14 minutes ago.
Home Delivery
Order your travel money online, and have it delivered right to your home. Or, if you're in central London, we also offer delivery right to your office! Free on orders over £600 with delivery costs from £2.99 to £7.49 for smaller orders.
Click & Collect
Order online and collect from your nearest Bureau de Change in as little as 4 hours dependent on availability. Our online price promise will guarantee you the best rates.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
Covent Garden FX is a family-owned and operated Bureau De Change located in the heart of Central London. Established for over 20 years, we offer extremely competitive exchange rates with no commission and no fees.
Covent Garden FX
30a Jubilee Market Hall London WC2E 8BE
FCA Registered: No
FCA Authorised: No
Last updated 2 minutes ago.
Home Delivery
Order your currency online and get free home delivery if your order is over £750 (under this amount there is a £6.00 delivery charge). To qualify for next day delivery you must pay by bank transfer before 2pm on Mon-Thu. Payments after this time, or payments made by card, will be scheduled for delivery in two working days. Saturday delivery is available for a £12 charge, and a London courier service is also available.
Click & Collect
Don't want to wait for home delivery? No problem. Place your order online and you can collect it from Covent Garden's travel money bureau at 30a Jubilee Market Hall, WC2E 8BE. Pay now by bank transfer to guarantee today's online rate. For same day collection you must order before 1pm for euros or us dollars, and before 10am for all other currencies.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
Covent Garden FX accept the following payment methods:
Nectar card holders get better exchange rates online and can collect Nectar points on every order. Sainsbury's Bank offer over 50 foreign currencies. Order online with the option to collect your travel money from one of over 250 Sainsbury's Bank in-store Travel Money bureaux at no extra cost, or have it delivered to your home with free delivery on orders over £500.
Sainsburys
33 Holborn London EC1N 2HT
FCA Registered: Yes
FCA Authorised: Yes
Last updated 14 minutes ago.
Home Delivery
Order before 2pm for next working day delivery by insured post. Free on orders over £500 with a fee of £4.99 below that amount. Minimum order for home delivery is £100.
Click & Collect
Order online for collection at any Sainsburys Bureau de Change. Next day collection for euros and US dollars and 3 days for other currencies.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
You can order currency and travel insurance from Barclays providing you hold one of their credit or debit cards. Your currency can be delivered to your home or you can pick it up from your local branch at your convenience.
Barclays
1 Churchill Place London E14 5HP
FCA Registered: Yes
FCA Authorised: Yes
Last updated 5 hours ago.
Home Delivery
Currency can be ordered for home delivery but payment must be made with a Barclays debit or credit card. Minimum order £50 with no delivery charges. Order by 1pm for next working day delivery.
Click & Collect
Order for collection at any Barclays Bank branch.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
Ace FX are specialist foreign exchange dealers based in London who offer competitive exchange rates and first-class customer service. Over the years, we have established a reputation for honesty, reliability and quality of service and we are one of the few buy back providers who accept coins.
ACE-FX
5 London Bridge Walk London EC2P 2HU
FCA Registered: No
FCA Authorised: No
Last updated 3 minutes ago.
Home Delivery
Order online for home delivery and get your currency delivered within 48 hours. Delivery is free on all orders over £750, otherwise a £4.99 delivery charge will apply. All orders are sent via Royal Mail Special Delivery which is fully insured and guaranteed to arrive on the next working day.
Click & Collect
If home delivery isn't an option, you can also reserve your currency online and pick it up free of charge from one of ACE-FX's four central London branches. Euros and US dollars are available for same-day collection after 3pm, all other currencies can be collected on the next working day. Stores are open Monday to Friday, apart from Canary Wharf which is open 7 days a week.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
Order your travel money online with the Post Office and collect it in any Post Office branch or get it delivered to your door for free. Note: these are ONLINE rates - you may get a lower rate in-store unless you order online in advance.
Post Office
20 Finsbury Street London EC2Y 9AQ
FCA Registered: Yes
FCA Authorised: Yes
Last updated 14 minutes ago.
Home Delivery
Order for home delivery with Royal Mail special secured delivery. Delivery is free on orders over £500 and £4.99 under that amount.
Click & Collect
Order online for collection at over 11,000 branches. Over 3000 are open 7 days a week. With our euro and US dollar click and collect express you can pick up in 2 hours.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
With over 40 years experience in selling and buying currency, nobody knows foreign exchange better than eurochange. Take advantage of great rates on over 70 currencies and use their boost your rate function to find improved rates on over 20 currencies. Order online for Click and Collect in just 60 seconds from over 175 branches, or order before 4pm for next day home delivery.
eurochange
PO Box 435 Stevenage SG1 9GA
FCA Registered: Yes
FCA Authorised: No
Last updated 30 minutes ago.
Home Delivery
Order by 4pm for next working day delivery. Free postage on orders over £599 under this amount there is a delivery charge of £4.99.
Click & Collect
Order online and collect for free at 175 branches nationwide.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
The Currency Club's travel money service makes ordering online easy and efficient. We offer the best foreign exchange rates on global currencies, charge zero commission and offer a free delivery on every travel money transaction you make. The more you order, the better the rate you'll receive.
The Currency Club
PO Box 66831 London W2 7TB
FCA Registered: Yes
FCA Authorised: No
Last updated 2 minutes ago.
Home Delivery
Order by 12pm for next working day delivery. Free on orders over £1000 and just £2.99 postage charge for smaller amounts.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
The Currency Club accept the following payment methods:
Bank Transfer
Debit Card
Debit card payments up to £2500, bank transfer up to £7500.
Get competitive exchange rates in the UK on all currency ordered online for delivery or pick up from your local branch. We use Royal Mail fully insured special delivery service to get your currency to your door securely, 48 hours from receiving your order. You can also use our app to order travel money while on the move.
AIRGOFX
5 London Bridge Walk London SE1 2SX
FCA Registered: No
FCA Authorised: No
Last updated 2 minutes ago.
Home Delivery
AIRGOFX home delivery is fulfilled by ACE-FX. Get your currency within 48 hours of placing your order. Delivery is free on all orders over £750, otherwise a £4.99 delivery charge will apply. All orders are sent via Royal Mail Special Delivery which is fully insured and guaranteed to arrive on the next working day.
Click & Collect
You can also reserve your currency online and pick it up free of charge from one of ACE-FX's four central London branches. Euros and US Dollars are available for same-day collection after 3pm, all other currencies can be collected the next day. Stores are open Monday - Friday apart from Canary Wharf which is open 7 days a week.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
ICE offer free next day delivery on orders over £1000 if ordered before 3pm. Saturday delivery available for 99p. 0% commission and no hidden costs on over 50 currencies and click and collect available from 45 locations nationwide including airport locations for convenience.
ICE PLC
19-21 Shaftesbury Avenue London W1D 7ED
FCA Registered: No
FCA Authorised: No
Last updated 15 minutes ago.
Home Delivery
Order over 50 currencies for home delivery with same day despatch if ordered before 3pm. Free delivery on orders over £700. Various delivery charges apply below this amount.
Click & Collect
Apply for a voucher to print off and take to your chosen pick up location to get the discounted click and collect rate of the day. Pay on collection.
Payment Methods
The payment method you choose determines how you are financially protected if something goes wrong.
ICE PLC accept the following payment methods:
Cash (in-store collection only)
Bank Transfer
Debit Card
Philippine peso travel money rate over the past 90 days
-0.60%
The Philippine peso exchange rate is currently 0.6% lower than it was 90 days ago, having dropped from 64.568 on the 20th February to 64.1838 today. This means £750 will buy you ₱288.15 less right now than it would have back in February. During this period, the lowest rate we recorded was 63.9915 on the 20th April and the highest rate was 66.691 on the 19th March.
Get a better deal on your Philippine pesos
We compare the best pound to Philippine peso exchange rates from dozens of the UK's biggest currency suppliers including the Post Office, supermarkets, high street banks and specialist online travel money providers so you can see in an instant who is offering the top deals.
You're currently looking at our Philippine pesos for home delivery page, but we have range of Philippine peso products and services that you might also be interested in:
Send or receive Philippine pesos between two accounts anywhere in the world. A specialist broker could manage the whole process for you and save you a lot of money.
A secure and flexible alternative to cash. Open an account, add funds to your card and use it anywhere in the Philippines or the rest of the world at the fraction of the cost of traditional UK bank cards.
Our unique Click & Collect service can help you to find your nearest currency supplier so you can order online and pick your currency up in-store or at the airport.
If you've returned from holiday with some leftover Philippine pesos, exchange them back into pounds sterling at the best buy back rate. Post your currency or exchange it at your nearest store, no receipt necessary.
Using our comparison form at the top of the page, enter the amount of Philippine pesos you want to buy, select your preferred payment method(s) and click 'Compare Deals'. We'll return a list of UK currency suppliers who are selling Philippine pesos right now along with their latest exchange rates and delivery information. The results are sorted in order of who is offering the most Philippine pesos after all fees and delivery charges have been added which means the best deals are always at the top of the table. Choose the supplier you want to order with and follow the link to their website where you can place your order with them directly.
When is the best time to buy Philippine pesos?
It is impossible for us to predict the best time to buy Philippine pesos. We provide some historical exchange rate data in the chart above so you can see the overall trend, but beyond that we cannot offer any advice on when to buy. Our advice is to not worry too much about trying to perfectly time the market. Unless you are buying tens or hundreds of thousands of pounds worth of currency, the daily changes in exchange rates do not make a huge difference to the amount of currency you'll receive.
Can I collect my Philippine pesos in person?
Yes, some currency suppliers do allow you to collect Philippine pesos from them in person. We have a dedicated Click & Collect page where you can find the nearest supplier in your area. If you plan on collecting in person, we recommend ordering or reserving your Philippine pesos online first on the supplier's website to guarantee the exchange rate. Some suppliers offer lower exchange rates if you walk in off the street, but you can usually order online in advance and collect your currency in store at the better online rate.
How long does Delivery take?
Most currency suppliers will dispatch your order on the same or next working day after they receive your payment, and all orders are sent via Royal Mail Special Delivery which is a fully-insured and guaranteed Next Working Day service. However, just in case any unexpected delays crop up we recommend ordering no later than 3 working days before you are due to travel. If you've left it too late for home delivery, check out our Click & Collect page to find a local Philippine peso supplier near you. We cover most UK airports, so in the worst case scenario you can reserve your currency online (at the better online rate) and pick it up from the departure lounge before you fly.
Do I have to be at home when my currency is delivered?
No. All currency is sent by Royal Mail Special Delivery which is a fully-insured and guaranteed Next Working Day service. Somebody at your address will need to sign for the package but if nobody is home when the postman attempts to deliver, they'll leave a missed delivery card and you can either collect the package from your nearest sorting office or arrange for it to be re-delivered on a more convenient day.
Can I have my Philippine pesos sent to a different address?
Generally, no. This is ultimately at the discretion of the currency supplier, but most suppliers will only deliver to the home address of the person paying for the currency (i.e. the card or bank account holder's address). This is for security reasons because a signature is required when the currency is delivered, and signatures from work or other addresses can be unreliable and difficult to prove.
What happens if the package goes missing during delivery?
All currency is sent by Royal Mail Special Delivery which is a fully-insured and guaranteed Next Working Day service. This type of postage is more secure than standard post and is meant specifically for high-value and important items because tracking is enabled by default and a signature is required as proof of delivery. It is very rare for a Special Delivery package to go missing, but in the unlikely event that it does you will be completely reimbursed by Royal Mail for the full value of the currency and the cost of postage.
What payment method should I use?
The payment method you choose is important because it affects whether or not you pay any extra fees during checkout, and also whether you are financially protected in the unlikely event that something goes wrong with the supplier. We have written a more detailed guide about choosing a payment method on our blog: A guide to payment methods.
Are there any limits on the amount of Philippine pesos I can order?
Most, but not all, currency suppliers have a minimum and a maximum amount you can order from them, however we automatically factor these into our comparisons so if you tell us exactly how much you want to spend we'll only return suppliers that can fulfill your request. Most suppliers also have a minimum amount that you can order from them to qualify for free home delivery; if you order less than this amount you can still get your order delivered by you'll have to pay for postage. Again, we automatically factor these charges into our comparisons so you don't need to worry about any hidden costs during checkout.
Is ordering online safe and secure?
All of the currency suppliers we compare use SSL encryption as standard on their ordering pages. This means that when you place an order, a secure connection is created between you and the supplier and your personal and payment details are transmitted using the same level of encryption as online banking.
Am I financially protected if something goes wrong with the supplier?
The level of financial protection you receive is determined by the payment method you choose. For more information see our FAQ above: What payment method should I use?
What checks does Compare Holiday Money carry out on the listed suppliers?
All currency suppliers are required to complete a comprehensive onboarding questionnaire before we list them on the Compare Holiday Money website. This questionnaire provides us with information on the supplier's background, financial history, directors and technical capabilities, as well as document any legal and regulatory requirements the supplier may have. Our compliance team verify the answers by cross-referencing them with various online registers such as Companies House, the Supervised Business Register and the Financial Conduct Authority, and we then make a decision as to whether to list them. Once a supplier has been listed we run regular audits to check the ongoing status and accuracy of the information provided, and if any issues are flagged up we immediately suspend the listing until the supplier corrects the issue or provides us with clarification. Despite these stringent checks, we cannot guarantee the solvency of any suppliers who appear on the Compare Holiday Money website and we urge all customers to conduct their own research before transacting with a company.
Do I need to provide ID or other documents?
It depends. You may need to provide some ID, typically a copy of your passport or driver's licence, depending on how much currency you are ordering. Most suppliers won't ask for ID if you're ordering less than £1,000 but most will if you're ordering £2,500 or more. If you're ordering £10,000 or more you may need to provide additional information on the source of the funds. The exact requirements vary from supplier to supplier, but they will make it clear what form(s) of ID and other documents they require before you place an order.
Can I send money to a bank account in the Philippines instead?
Yes, we can facilitate the transfer of currency into an overseas bank account; see our Money Transfers page for more information.
The Philippine peso is the official currency of the Republic of the Philippines. The currency code is PHP and the symbol is ₱.
Banknotes and coins are produced at the Security Plant Complex of the Central Bank of the Philippines: Bangko Sentral ng Pilipinas in Quezon City. Coins are currently issued in denominations of (highest to lowest) ₱10, ₱5, ₱1, 25¢, 10¢, 5¢ and 1¢; although coins with denominations lower than one peso are increasingly regarded as a unnecessary by the general public due to their low value. Proposals to retire and demonetise all low value coins have been summarily rejected by the Philippine government, and so they remain legal tender despite being used less often. In 2006, it became widely known that the ₱1 coin was equal in size and weight to 1 United Arab Emirates dirham, despite being worth only 7% of it's value. This lead to vending machine fraud in the United Arab Emirates as people sought to exploit the similarities between the two coins. Similar frauds have also occurred in the United States as the ₱1 coin is roughly the same size as the quarter dollar 25¢ coin. Philippine peso banknotes all feature images of past Philippine presidents on one side and important geographical locations on the other. Current denominations are issued in: ₱20, ₱50, ₱200, ₱100, ₱500 and ₱1000 notes.
Bitish citizens can enter the Philippines without a visa for a period of up to 30 days as a visitor. For longer periods, you can obtain a visa from the Philippine Embassy before you travel. If you intend to work or study in the Philippines you'll need to have certain UK documents like birth and marriage certificates legalised by the UK Foreign and Commonwealth Legalisation Office and by the Philippine Embassy in London before relocating to the Philippines. Your passport should be valid for the proposed duration of your stay.
More information and official travel advice to the Philippines can be found on the UK Foreign and Commonwealth Office website.
Choosing the right payment method
It's important that you understand the different ways that you can pay for your travel money because the payment method you choose determines how you are financially protected if something goes wrong with the supplier.
Bank Transfer
There is no financial protection if you pay by bank transfer, so if a supplier goes bust with your money you are unlikely to get it back. We recommend you choose an alternative payment method where one is available such as debit or credit card because they offer more financial protection.
Debit Card
If you pay by debit card your funds are protected in the event of fraud or non-receipt under the card issuer's product and service rules. If a supplier goes bust you can instruct your bank to make a chargeback request against the supplier's bank which means you have a good chance of recovering your money.
Credit Card
If you pay by credit card you have full legal protection under section 75 of the Consumer Credit Act. Section 75 states that the card issuer is equally liable with the provider of goods in cases where goods are not received which means your card issuer is legally required to reimburse you for the full amount (from £100 to a maximum of £30,000) if the supplier goes bust. However, it's worth noting that credit cards usually incur additional bank charges and interest (around £40 extra per £1000 spent) so you should balance up the benefits of full legal protection with the added costs of paying by credit card.
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FCA Registration and Authorisation
The Financial Conduct Authority (FCA) is the regulatory body for financial service providers in the UK. Part of the FCA's job is to ensure that companies who offer 'regulated activities' are acting in the best interests of consumers by requiring them to register or become authorised. Being registered or authorised by the FCA does not guarantee a company's solvency, but authorised companies are required to segregate all customer funds which means you have a better chance of recovering your money if the company goes bust.
Travel Money is not classified as a regulated activity by the FCA which means companies who solely provide travel money are exempt from registering, although they may choose to do so voluntarily. Companies who provide other foreign exchange services such as international money transfers may have to register with the FCA, and companies with a monthly turnover greater than €3M must be authorised by the FCA regardless of the products or services they provide.
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