M&S currency exchange rates

Exclusive customer benefits

M&S Bank customers can access our best exchange rates when purchasing via Click & Collect when using their M&S Bank card *

* Excludes M&S Chargecard and Budgetcard holders

Competitive regular rates

If you don't yet have an M&S Bank card you can access our best regular rates via our Click & Collect service.

Click & Collect

  • Collect from a local store that is convenient to you
  • Best available M&S Rate
  • Pay now and lock in today's rate
  • Free Delivery
  • Up to 55 days' interest-free credit when you purchase using an M&S Credit Card*

    Representative example: based on an assumed credit limit of £1,200, our 19.9% rate per annum (variable) for purchases gives a representative rate of 19.9% APR (variable). Credit is subject to status.
  • No cash advance fee when you purchase using an M&S Credit Card
Click & Collect(opens in a new window)

* With the M&S Credit Card, you’ll receive up to 55 days' interest-free credit when you pay your balance in full and on time each month.