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Get the best euro exchange rate

Compare the latest euro exchange rates from the UK's top currency providers

How to get the best euro exchange rate

If you're travelling to Europe, it's important to shop around and compare currency suppliers to maximise your chances of getting a good deal. We can help you to find the best euro exchange rate by comparing a wide range of UK travel money suppliers who have euros in stock and ready to order online now. Our comparisons automatically factor in all costs and commission, so all you need to do is tell us how much you want to spend and we'll show you the top suppliers who fit the bill.

Are you looking to get the best euro exchange rate for your next trip abroad? At Compare Holiday Money, we compare the euro rates from dozens of top UK foreign exchange providers to help you find the most competitive currency deals online and on the high street.

We continuously scan and track the latest euro rates from a wide range of currency providers to help you find the companies offering the best deals. Our clever currency comparisons automatically factor in all costs and charges like delivery fees and commission, so all you need to do is tell us how much you want to spend and we'll show you the best euro rates available to buy online right now.

Compare deals

Some of the best travel money deals are only available when you buy online. By using a comparison site, you're more likely to see the full range of deals on offer and get the best rate.

Some of the best travel money deals are only available from specialist online currency providers who offer better euro rates than high street bureaux de change.

Always place your order online, even if you plan to collect your currency in person. Most supermarkets and high street currency suppliers offer better exchange rates if you order online beforehand.

Most supermarkets and currency suppliers offer better rates if you buy or reserve your currency online. If you're planning to buy euros in store, place your order online beforehand to guarantee the online rate.

Combine orders

If you're travelling with others, consider placing one large currency order instead of buying individually. Many currency suppliers offer enhanced rates that improve as you order more.

You'll often get better rates the more you order. If you're travelling with a group, consider placing one large currency order instead of everyone buying euros individually.

Remember, exchange rates aren't the only important factor when finding the best euro deal. Delivery costs, commission and payment surcharges can all affect the amount of money you'll receive. See our comprehensive euro travel money comparisons to find the absolute best deal with all costs and charges factored in.

Online foreign exchange providers who specialise in travel money usually offer the best euro exchange rates, and you'll get the best deals when you buy online for home delivery. If waiting isn't an option, or if you'd rather buy your euros in person, supermarkets typically offer the best euro rates on the high street - but don't just walk in off the street unannounced. Reserve your euros online (ideally the day before you want to collect them) as most supermarkets offer enhanced exchange rates on their website compared to the rates they advertise in store. By ordering online you'll lock-in the better online rate and can collect your euros in person at a time that's convenient for you.

Euro rate trend

Over the past 30 days, the Euro rate is up 0.85% from 1.1566 on 19 Jul to 1.1664 today. This means one pound will buy more Euros today than it would have a month ago. Right now, £750 is worth approximately €874.80 which is €7.35 more than you'd have got on 19 Jul.

These are the average Euro rates taken from our panel of UK travel money providers at the end of each day. You can explore this further on our British pound to Euro currency chart .

We found 17 foreign exchange providers offering euros today. The table below shows the results ordered by best euro rate, assuming you wanted to buy £750 worth of euros for home delivery.

Remember, exchange rates aren't the only important factor when it comes to getting a good currency deal. Delivery fees, payment surcharges and other hidden costs can all affect the amount of money you'll receive. See our euro travel money comparisons to help you find the best euro rate today.

Timing is key if you want to maximise your euros, but the best time to buy will depend on the current market conditions and your personal travel plans.

If you have a fixed travel date, you should start to monitor the euro rates as soon as possible in the period leading up to your departure so that you've got time to buy when the rate is looking favourable. For example, if the euro rate has been steadily increasing over several weeks or months, it could be a good time to buy while the rate is high.

Some people prefer to buy half of their euros as soon as they've booked their holiday, and the remaining half just before they depart. This can be a good way of maximising your holiday money if the exchange rate continues to rise after you've bought, but will also help to minimise your losses if the rate drops.

You could also consider signing up to our newsletter and we'll email the latest rates to you each month.

If you need your euros sooner and don't have time to wait for the rates to improve, you can still save money by comparing rates from a range of different providers before you buy. Online travel money suppliers usually have better euro rates than high street exchanges, but supermarkets are a good compromise if you want to collect your currency in person and still get a decent rate. Just remember to buy or reserve your euros first before you collect them from the store so you benefit from the supplier's better online rate.

Euro banknotes and coins

Over 340 million people use the euro every day according to the European Central Bank, making it the second most-traded currency in the world after US dollars. Twenty out of 27 EU Member States have adopted the euro as their official currency, and euros are used officially and unofficially in many non-EU countries and territories throughout Europe such as Monaco, San Marino, and Vatican City.

Euros are governed and issued by the European Central Bank which is based in Frankfurt, but the actual production of euro banknotes and coins is handled by various national banks throughout the Eurozone. Spain and Greece are responsible for printing €5 and €10 banknotes, Germany prints €100 notes, and the other EU member states are responsible for printing €20 and €50 notes.

One euro (€) can be subdivided into 100 cents (c). There are seven denominations of euro banknotes in circulation: €5, €10, €20, €50 and €100 which are frequently used, plus €200 and €500 notes which are no longer printed but are still in circulation and remain legal tender. The designs printed on each banknote are intended to be symbolic of the European Union's identity and unity, as well as highlighting the diversity and richness of different European cultures. The front of each banknote features architectural styles from different periods in Europe's history, including Classical, Gothic, Renaissance and modern, while the reverse side features bridges that represent communication and cooperation between the different countries within the European Union.

Euro coins are available in eight denominations: 1c, 2c, 5c, 10c, 20c, 50c, €1 and €2. Each EU member state is responsible for minting its own coins, and can choose their own design for the 'tails' side. For example, German coins feature the 'Bundesadler' or Federal Eagle which has been the German coat of arms since 1950, while French coins depict Marianne; an important symbol of French national identity. Next time you've got a handful of euro coins, take a look at the tails side and see if you can guess which EU country they came from!

There's no evidence to suggest that you'll get a better deal if you buy your euros in Europe. While there may be better exchange rates available in some locations, your options for shopping around may be limited once you arrive, and there's no guarantee the exchange rates will be any better than they are in the UK.

Exchange rates aside, here are some other reasons to avoid buying your euros in Europe:

• You may have to pay commission or other hidden fees to a currency exchange that you wouldn't have paid in the UK
• Your bank may charge you a foreign transaction fee if you use it to buy euros when you're abroad
• It can be harder to spot scammers and fraudulent currency exchanges in Europe

Lastly, it can be handy to have some cash on you when you arrive at your destination so you can pay for any immediate expenses like food, transport and tips. You don't want to be searching for the nearest currency exchange when you've just landed and you're desperate for a cup of tea - or a cocktail!

Twenty out of 27 EU member states have adopted the euro as their official currency. These are: Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia and Spain.

The following European countries and territories who are not part of the EU also use the euro as their official currency: Andorra, Kosovo, Monaco, Montenegro, San Marino and Vatican City, French Guiana and Martinique, the Azores, Canary Islands, and Madeira.

Tips for saving money while visiting Europe

The most budget-friendly destinations in Europe are generally those located in the east such as Latvia, Lithuania and Estonia. In contrast: Luxembourg, Ireland and France usually top the list as some of the most expensive holiday destinations. Regardless of where you're planning to visit, you can save money during your trip by following some simple tips:

• Research your accommodation: Hotels can be expensive, so one way of saving money is to look for more budget-friendly accommodation such as hostels, holiday rentals, or even campsites. AirBnB can be an affordable option too, especially if you rent a room instead of an entire apartment; and you'll get to experience what it's like to live like a local. Salud!
• Use public transport: Make the most of any metro systems, buses, or trams to get around instead of relying on private taxis or rental cars. Many European countries also offer national and regional travel passes for public transport which can work out significantly cheaper than buying individual tickets.
• Eat like a local: Opt for local restaurants or street food vendors that offer authentic cuisine at lower prices. Avoid dining at expensive tourist restaurants, and try cooking your own meals if your accommodation has a kitchen. Not only is this a great way to save money, but it can also be a fun cultural experience to shop around in European supermarkets and cook with local ingredients.
• Plan your itinerary: Look out for free attractions such as museums, parks, churches and historical sites, and plan your itinerary around these. Many cities in Europe also offer free walking tours which can be a great way to get an overview of a new location while learning about its culture and history.
• Find discount vouchers: Many tourist attractions and activities offer discount vouchers and codes that can save you money on entry fees and other perks. Look for vouchers online; sign up to newsletters and follow the social media accounts of places you're planning to visit.
• Take cash: Using cash will help you to stick to a budget more easily than paying by card, and you'll also avoid foreign transaction fees. If you do take a card with you, look out for ATMs that are affiliated with your UK bank to avoid ATM fees, and if you're asked whether you want to pay in pounds or euros - always choose euros. If you pay in pounds the merchant can set their own exchange rate which won't be in your favour.

Choosing the right payment method

Sending money to a company you might not have heard of before can be unsettling. We routinely check all the companies that feature in our comparisons to make sure they meet our strict listing criteria, but it's still worth knowing how your money is protected in the unlikely event a company goes bust and you don't receive your order.

Bank transfer

Your money is not protected if you pay by bank transfer. If the company goes bust and you've paid by bank transfer, it's unlikely you'll get your money back. For this reason, we recommend you pay by debit or credit card wherever possible because they offer more financial protection.

Debit cards are the most popular payment method and they offer some financial protection. If you pay by debit card and the company goes bust, you can instruct your bank to make a chargeback request to recover your money from the company's bank. This isn't a legal right, and a refund isn't guaranteed, but if you make a chargeback request your bank is obliged to try and recover your money.

Credit card

Credit cards offer full financial protection, and your money is protected by law under Section 75 of the Consumer Credit Act. Section 75 states that your card issuer must refund you in full if you don't receive your order. Be aware that many credit cards charge a cash advance fee (typically around 3%) for buying currency, so you may have to weigh up the benefits of full financial protection with the extra cost of using a credit card.

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Cheap Holiday Money At Your Fingertips

Best Pound to Euro Rates

Europe is the most popular travel destination for Brits. According to data from The Guardian, 9 of the top 10 travel destinations for both adults and families use the Euro as a currency. Therefore, the Pound to Euro is the most common pairing in the UK, especially nowadays where you can find many places to buy Pounds online.

Using our comparison below, travellers can find the cheapest companies and the best travel money exchange rates to exchange their GBP to EUR:

Best Pound to Euro Exchange Rates Providers

Wise // best multi-currency card 💳, compare additional providers gbp to euro:.

Are these rates accurate? Yes, however …

Even though we have put our best efforts to compare the most accurate Pound to Euro exchange rates, please bear in mind we cannot promise these will necessarily be the rates or that the company ranked on top is indeed offering the best Pound to Euro exchange rates for the following reasons:

• The currency market is volatile and the mid-market exchange rates are constantly changing.
• We only get our rates on an hourly basis from a data feed.
• Some companies may be offering promotions that aren’t inputted into our data.
• We are only human and mistakes may occur.

Best Euro Exchange Rate Today Near Me

Use our comprehensive list of currency exchange offices in the UK to discover locations near you.

Below you can find some of the most popular destinations to travel around Europe:

Travelling to Spain – Gov.UK’s Recommendation

Read the recommendation here: https://www.gov.uk/foreign-travel-advice/spain

UK embassy in Spain:

Consulado General Britanico, Madrid

• Address: Torre Espacio, 28046 Madrid, Spain
• Phone:  +34 917 14 63 00

Travelling to Spain – Cost Comparison

• A meal at an inexpensive restaurant would cost you around £10.34 (against £15 in the UK).
• A can of Coca-Cola would cost 2.4% less than you used to in the UK.
• A domestic beer would cost you 46.4% less than in the UK.
• If you are renting a car, keep in mind that gasoline is a bit cheaper, around 9.8% less expensive than in the UK.

In general, Spain is less expensive than the UK.

Data from Numbeo , and various travel sites.

Travelling to Spain – Popular Destinations

These are the most popular destinations in Spain:

• Barcelona –  a perfect mixture of Catalan culture, tremendous architecture, and a busy nightlife, make Barcelona a very attractive place for tourists.
• Majorca – a perfect Island to spend you Spring Break or a nice holiday with your family. With a variety of mountains, beaches, and historic structures, everyone can find his place on this Island.
• Tenerife – Tenerife is the ideal place to visit the wildlife that Spain has to offer. The Loro Park is famous for their diverse collection of birds. This, combined with the tropical beach destinations in Los Gigantes is a wonderful addition to anyone’s plans.
• Madrid – Madrid is Spain’s capitol city that is full of wonderful art museums such as the Prado and the Reina Sofía. For a nice stroll visit the Parque del Buen Retiro where there are several Roman ruins to explore in the park.
• Fuerteventura – Fuerteventura is a wonderful vacation spot that has golf clubs, beaches, and nightlife. These locales, mixed with a historical cathedrals makes Fuerteventura a great vacation place to explore.

Based on Trip Advisor

If you need to move significant amounts of money to Spain, you would not be able to carry 10,000 Euro or more without declaring it.

Travelling to France – Gov.UK’s Recommendation

Read the recommendation here:  https://www.gov.uk/foreign-travel-advice/france

UK embassy in France:

Consulat Britannique, Paris, France

• Address: 35 Rue du Faubourg Saint-Honoré
• Phone:  +33 1 44 51 31 00

Travelling to France – Cost Comparison

• A meal at an inexpensive restaurant would cost you around £12.86 (against £15 in the UK).
• A 0.33 liter of Coca-Cola would cost 37% more than you used to in the UK.
• A beer would cost you 14.3% more than in the UK.
• A pack of cigarettes would cost you 27.5% less than in the UK.

In general, France is slightlyless expensive than the UK.

Data from  Numbeo , and various travel sites.

Travelling to France – Popular Destinations

These are the most popular destinations in France:

• Paris –  Paris is one of the most romantic cities on the world that is full of famous monuments such as the Eiffel Tower and museums to include the Louvre. Additionally, Paris is close to famous palaces like Versailles and artists home’s including Claude Monet’s house in Giverny. All in all, tourists can have a wonderful, cultured, and culinary experience when travelling to Paris.
• Aix-en-Provence – Aix-en-Provence is a locale that is famous for Rose wines, sunflowers, and lavender fields. The city itself is constructed ontop of many Roman ruins, which makes each café and restaurant a wonderful experience for dining outside in the Summertime.
• Nice – Nice is one of the gems of the Mediterranean. Here, it is wise to enjoy the beach resorts and proximity to Monaco for some of the world’s best gambling.
• Corsica – Corsica is a fantastic place to vacation with views of the Mediterranean. Many famous movies such as the Count of Monte Cristo were filmed here due to the unique caves and teal waters. Corsica is a three-hour ferry ride from Marseille and absolutely worth a visit.
• Avignon – Avignon is home to where the Pope resided for nearly one-hundred years. There is a delightful castle as well that has a view of the famous Pont d’Avignon bridge that even has a song written about it. For a unique mixture of history and culture, it is absolutely worth a visit to Avignon.

Based on  Trip Advisor

Travelling to Germany – Gov.UK’s Recommendation

Read the recommendation here:  https://www.gov.uk/foreign-travel-advice/germany

UK embassy in Germany:

• Wilhelmstraße 70 – 71, 10117, Berlin, Germany
• Phone:  +34 917 14 63 00

Travelling to Germany – Cost Comparison

• A meal at an inexpensive restaurant would cost you around £11.19 (against £15 in the UK).
• A can of Coca-Cola would cost 32.7% more than you used to in the UK.
• A 0.5 liter of beer would cost you 23.4% less than in the UK.
• If you are renting a car, keep in mind that gasoline is a bit cheaper, around 2% less expensive than in the UK.

In general, Germany is less expensive than the UK.

Travelling to Germany – Popular Destinations

These are the most popular destinations in Germany:

• Berlin –  Berlin is a unique city due to its controversial history. Touring the musuems from WWII is a moving experience that allows visitors to learn a great deal about the war. Berlin is also famous for its street art, which is a great idea for visiting on a tour through Berlin’s residential and commercial buildings.
• Munich – Munich has preserved more of its older architecture, which makes landmarks such as the Glockenspiel sound at noon with a show worth seeing. There are many beer gardens in Munich to enjoy in the Summer and breweries that have been running since the 13 th century.
• Cologne – Cologne is a delightful, yet smaller German city to experience. There are many Roman and Gothic architectural structures for tourists to experience. The museum of Applied Art and Musuem Ludwig are both memorable museums to visit whilst in Cologne.
• Frankfurt – Frankfurt is a aiport hub, yet it also does have tourist sights to offer. The opera house is absolutely worth a visit along with the market in the central square.
• Leipzig – If you are fascinated with Classical Music, then it is wise to visit Leipzig. Here there are many music festivals and conservatories to visit. Additionally, the Leipzig Zoo is delightful for travellers who want to enjoy a day outdoors.

Travelling to Italy – Gov.UK’s Recommendation

Read the recommendation here:  https://www.gov.uk/foreign-travel-advice/italy

UK embassy in Italy:

• Address: Via Venti Settembre, 80/a, 00187 Roma, Italy
• Phone:  +39 06 4220 0001

Travelling to Italy – Cost Comparison

• A dinner at an inexpensive restaurant would cost you around £12.93 (against £15 in the UK).
• A can of Coca-Cola would cost 19.7% more than you used to in the UK.
• A domestic beer at a restaurant would cost you 4.3% less than in the UK.
• Gasoline costs a bit more, around 3.2% more expensive than in the UK. Remember this if you want to rent a car.

In general, Italy is more expensive than the UK.

Travelling to Italy – Popular Destinations

These are the most popular destinations in Italy:

• Rome –  Rome has some of the most significant ruins from the Roman Empire. The Colosseum and the Forum are absolutely worth visiting. Additionally, the Vatican is the centre of the Catholic Church and has years of preserved Art History to enjoy.
• Milan – Milan is known as the city of fashion. Many of Italy’s most famous designers are from there. If you are looking for gourmet food and shopping that is combined with divine architecture, Milan is a great place to visit.
• Venice –Venice is one of the most Romantic places to visit due to the narrow pathways with picturesque buildings. The gondolas with a view of the city from the canal and the sea in front are a signature experience of Venice.
• Florence – Florence is a famous city for the arts. One great place to visit is the Galleria dell’Accademia, which has works by Michelangelo. The Ponte Vecchio Bridge is one of the signature places to visit in the city with a view of the river with architecture from era’s past.
• Positano – Positano is one of the signature places to visit whilst travelling through the Amalfi Coast. The view from the slopes of the ocean below is divine. Here, travellers will find relaxation, hotels, art galleries, shopping, and flavourful cuisine.

Travelling to Belgium – Gov.UK’s Recommendation

Read the recommendation here:  https://www.gov.uk/foreign-travel-advice/belgium

UK embassy in Belgium:

British Embassy Brussels

• Address: Avenue d’Auderghem 10, 1040 Bruxelles, Belgium
• Phone:  +32 2 287 62 11

Travelling to Belgium – Cost Comparison

• An inexpensive meal at a restaurant would cost you around £15.51 (against £15 in the UK).
• A Coca-Cola in a restaurant would cost 27% more than you used to in the UK.
• A bottle of water (1.5 liter) would cost you 29.2% less than in the UK.

In general, Belgium is less expensive than the UK.

Travelling to Belgium – Popular Destinations

These are the most popular destinations in Belgium:

• Brussels –  Brussels is a very global city. It is home to some of the world’s most important international organizations. Additionally, it has a delightful culinary scene due to the high quality chocolate that Belgium produces. Take a chocolate walking tour through the Hotel de Ville and the Grand Place to enjoy the unique streets of Brussels.
• Antwerp – Antwerp is a smaller historic city, yet it has quite the beer culture that flocks many beer lovers to visit. There is a great historic walking tour to explore there along with aged cathedrals such as: Cathedral of Our Lady to enjoy.
• Bruges – Another very popular beer city is Bruges. The ideal areas to explore there are: the Historic Centre, Burg Square, and De Halve Maan Brewery for a sample after a long day of tourism.
• Ghent – Ghent is a great example of a small, yet quaint Belgian city. The city has a delightful river front that has architecture from several centuries ago. The best areas to visit are: St. Bavo’s Cathedral and Graslei and Korenlei for historic walking areas.
• Ostend – Ostend is a nice place to venture to for some time on the coast. There, you will find many interesting military museums, which will help you learn a great deal about the history of the city. Tourism, mixed with relaxation makes Ostend a nice find in Belgium.

Travelling to Netherlands – Gov.UK’s Recommendation

Read the recommendation here:  https://www.gov.uk/foreign-travel-advice/netherlands

UK embassy in the Netherlands:

Embassy of the United Kingdom – The Hague

• Address: Lange Voorhout 10, 2514 ED Den Haag, Netherlands
• Phone:  +31 70 427 0427

Travelling to Netherlands – Cost Comparison

• A meal at an inexpensive restaurant would cost you around £12.93 (against £15 in the UK).
• A can of Coca-Cola would cost 30.6% more than you used to in the UK.
• A domestic beer would cost you 4.2% less than in the UK.
• A pack of cigarettes would cost you almost 45.6% less than in the UK.

In general, the Netherlands is less expensive than the UK.

Travelling to Netherlands – Popular Destinations

These are the most popular destinations in Netherlands:

• Amsterdam –  Amsterdam has delightful canals that are ideal for dinner cruises. Amsterdam also has great museums such as the Van Gogh Museum and the Anne Frank Museum for travellers to experience.  Additionally, the night life is quite famous in Amsterdam, making the city popular for younger individuals from around the globe.
• The Hague – The Hague is famous for being the home to many different international organizations. Additionally, the Hague is close to famous palaces such as Paleis Het Loo where the royal family formally resided. For a smaller coastal city feel, Den Hague is a great place for tourism.
• Utrecht – Utrecht was formally one of the most significant cities in the Netherlands. The Rhine river flows through the city that is full of architecture that dates back to the 12 th and 13 th century. The city boasts a world-famous university called Utrecht University that is delightful to walk through and then stop by the river side cafes for a meal.
• Maastricht – Maastricht is an old, historic city that is known for the vendor markets that produce local crafts and antiques to locals and tourists alike. There are two town squares to enjoy with bars, restaurants, and cathedrals called Markt and the Vrijthof.
• Rotterdam – In the 13 th century, Rotterdam was a Medieval city; however, now, it is one of the industrial, yet modern centres of the Netherlands. For foodies, it is wise to visit the Markthal Rotterdam. The Central Station and Zoo are other ideal landmarks to enjoy whilst visiting Rotterdam.

Travelling to Portugal– Gov.UK’s Recommendation

Read the recommendation here:  https://www.gov.uk/foreign-travel-advice/portugal

UK embassy in Portugal:

Embaixada Britanica

• Address: R. de São Bernardo 33, 1200-667 Lisboa, Portugal
• Phone:  +351 21 392 4000

Travelling to Portugal – Cost Comparison

• A meal at an inexpensive restaurant would cost you just £8.58 (against £15 in the UK), which is 42.8% less than in the UK.
• A can of Coca-Cola would cost 23.1% less than you used to in the UK.
• If you choose to order a domestic beer in a restaurant, it would cost you 52.3% less than in the UK.
• If you like orange juice, you don’t have to worry. Oranges are 36.0% cheaper than in the UK.

In general, Portugal is less expensive than the UK.

Travelling to Portugal – Popular Destinations

These are the most popular destinations in Portugal:

• Lisbon –  Lisbon is a divine coastal city that is complete with Medieval castles, seafood, and ocean views. Architecture is a large trend in Lisbon, which is why sights such as the Santa Justa Lift are uniquely hidden in the city, but ideal for a visit. Plan to spend at least two or three days in Lisbon to encounter the hidden gems that the historic city and Portugal’s capitol has to offer.
• Porto – Porto is home to many of the best Port Wine Cellars in the world. An ideal day in Porto consists of walking down the hilled city to the port of Ribera, walking across the quaint bridge to the harbour where there are historic sail boats, and taking a boat along the harbour with the view of the Medieval architecture and Port Wine Cellars on either side. Porto is often forgotten; however, for foodies, it is a paradise boasting an incredible history to match.
• Faro – Faro is in Southern Portugal and is ideal for the golf/resort holiday. For those that enjoy diving, there are many hidden coves to explore whilst in Faro for your enjoyment. Close to Faro is the Albufeira, which is a famous fishing village from the 8 th century Moors and Estoi where Roman ruins are still present.
• Azores – The Azores are several islands that are one of Portugal’s ideal vacation spots. Here, many families own unique resort properties that allow for true isolation and relaxation. For any water sports and hiking, the Azores offer outdoor sports mixed with historic town centres. For a true island vacation in Portugal, the Azores are an ideal place to explore.
• Madiera –In comparison with the Azores, Madiera is often the archipelago that is forgotten when contemplating visiting Portugal. For tourists who are looking for beach resorts, hiking, and restaurants with divine views of the ocean, Madiera offers a great pace of life to enjoy whilst on holiday.

Exchanging Large Sums Via Bank

When dealing with large transactions, opting for an international wire transfer from the UK to European countries might be more advantageous. This method proves particularly beneficial for expenses such as hotel payments, which may involve substantial fees when paid through cards. Furthermore, certain service providers present the option of multi-currency accounts, enabling you to utilize the transferred funds seamlessly during your travels.

Euro Rate Comparison

We appreciate the time you spent reading our guide for travellers to the EU zone who are willing to find the best Pound to US Dollar exchange rates. Our first assignment is to provide to our readers the most accurate content by improving the site constantly. In the future, keep in mind that the best travel money provider now isn’t necessarily going to stay at the top forever. Be sure to compare holiday money exchange rates every time you want to buy Euros to find the best GBP to EUR exchange rates.

Enjoy your amazing trip to Europe!

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Delivery options, available branches and fees may vary by value and currency. Branch rates will differ from online rates. T&Cs apply .

• Order euros online – collect in 2 hours from your nearest participating branch or get next-day delivery
• The more you buy, the better the rate
• Buy your euros online for the best deal

Yearning for Europe? Get your holiday money here

The 27 EU member states are on our doorstep and offer a kaleidoscope of unique cultures, incredible history, cuisines, traditions and things to see. You can sunbathe on the beaches of Spain or get frosty in the mountainous Bohemian Forest. And, whether you’re popping over for a weekend city break or heading off on a road trip, you can get your travel money sorted with Post Office.

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How far will your euro go?

The euro is used in 20 of the 27 EU member states and there are plans for it to be used in even more in the future. But that doesn’t mean euros have the same buying power in each state. Things might cost less or more depending on where you’re travelling to.

Regions within countries can vary too, with bigger cities usually having higher costs for most items than more rural areas. But there are some countries and areas that are often cheaper than others.

Eastern Europe is typically the most cost-effective part of Europe

Most European destinations have seen a fall in prices since the beginning of the coronavirus pandemic

Athens in Greece has seen the most dramatic fall in overall prices of all areas surveyed

Some common questions

What is the euro.

Euros are widely used across European Union member countries. Euro banknotes are 5,10, 20, 50, 100 and 200. We sell banknotes in the range of 5-100 notes. We’ll buy back any 5, 10, 20, 50, 100 and 200 bank notes commission free if you don’t use them on your trip.

What countries use the euro?

The countries that use the euro are:

• Netherlands

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Post Office have numerous ways to get euros for your trip abroad. With our Click and Collect service , any orders placed before 2pm on working days to allow you to pick up your euros within 2 hours from your nearest participating branch. You can also pick up within 2 hours on a Saturday if you order before 1pm.

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Money blog: Couples reveal how they split finances when one earns more than other

Welcome to the Money, your place for personal finance and consumer news and tips. Read our weekend feature on relationship finances below and let us know how you and your partner divide money in the comments box. We'll be back with live updates on Monday.

Saturday 17 August 2024 12:43, UK

Essential reads

• Couples on how they split finances when one earns more than other
• What's gone wrong at Asda?
• The week in money
• Best of the Money blog - an archive of features

Tips and advice

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• Save up to half price on top attractions with this trick
• Fines for parents taking kids out of school increasing next month
• TV chef picks best cheap eats in London
• 'I cancelled swimming with plenty of notice - can they keep my money?'

Ask a question or make a comment

By Emily Mee , news reporter

Openly discussing how you split your finances with your partner feels pretty taboo - even among friends.

As a consequence, it can be difficult to know how to approach these conversations with our partner or what is largely considered fair - especially if there's a big imbalance salary-wise. 

Research by Hargreaves Lansdown suggests in an average household with a couple, three-quarters of the income is earned by one person. 

Even when there is a large disparity, some couples will want to pay the same amount on bills as they want to contribute equally. 

But for others, one partner can feel resentful if they are spending all of their money on bills while the other has much more to spend and is living a different lifestyle as a result. 

At what stage of the relationship can you talk about money?

"We've kind of formally agreed there is some point in a relationship you start talking about kids - there is no generally agreed time that we start talking about money," says Sarah Coles, head of personal finance at Hargreaves Lansdown. 

Some couples may never get around to mentioning it, leading to "lopsided finances". 

Ms Coles says if you want to keep on top of finances with your partner, you could set a specific date in the year that you go through it all. 

"If it's in the diary and it's not emotional and it's not personal then you can properly go through it," she says.

"It's not a question of 'you need to pull more weight'.  It's purely just this is what we've agreed, this is the maths and this is how we need to do that."

While many people start talking about finances around Christmas, Ms Coles suggests this can be a "trying time" for couples so February might be a "less emotional time to sit down". 

How do you have the conversation if you feel the current arrangement is unfair?

Relationship counsellor at Relate , Peter Saddington, says that setting out the balance as "unfair" shouldn't be your starting point. 

You need to be honest about your position, he says, but your conversation should be negotiating as a couple what works for both of you. 

Before you have to jump into the conversation, think about: 

• Letting your partner know in advance rather than springing it on them;
• Making sure you and your partner haven't drunk alcohol before having the conversation, as this can make it easy for it to spiral;
• Having all the facts to hand, so you know exactly how much you are spending;
• Using 'I' statements rather than 'you'. For example, you could say to your partner: "I'm really worried about my finances and I would like to sit down and talk about how we manage it. Can we plan a time when we can sit down and do it?"

Mr Saddington says if your partner is not willing to help, you should look at the reasons or question if there are other things in the relationship that need sorting out. 

If you're having repeated arguments about money, he says you might have opposite communication styles causing you to "keep headbutting". 

Another reason could be there is a "big resentment" lurking in the background - and it may be that you need a third party such as a counsellor, therapist or mediator to help resolve it. 

Mr Saddington says there needs to be a "safe space" to have these conversations, and that a third party can help untangle resentments from what is happening now. 

He also suggests considering both of your attitudes to money, which he says can be formed by your early life and your family. 

"If you grew up in a family where there wasn't any money, or it wasn't talked about, or it was pushed that you save instead of spend, and the other person had the opposite, you can see where those conversations go horribly wrong. 

"Understanding what influences each of you when it comes to money is important to do before you have significant conversations about it."

What are the different ways you can split your finances?

There's no one-size-fits-all approach, but there are several ways you can do it - with Money blog readers getting in touch to let us know their approach...

1. Separate personal accounts - both pay the same amount into a joint account regardless of income

Paul Fuller, 40, earns approximately £40,000 a year while his wife earns about £70,000. 

They each have separate accounts, including savings accounts, but they pay the same amount (£900) each a month into a joint account to pay for their bills. 

Paul says this pays for the things they both benefit from or have a responsibility for, but when it comes to other spending his wife should be able to spend as she likes. 

"It's not for me to turn around to my wife and expect her to justify why she thinks it's appropriate to spend £150 in a hairdresser. She works her backside off and she has a very stressful job," he says. 

However, their arrangement is still flexible. Their mortgage is going up by £350 a month soon, so his wife has agreed to pay £200 of that. 

And if his wife wants a takeaway but he can't afford to pay for it, she'll say it's on her.

"Where a lot of people go wrong is being unable to have those conversations," says Paul.

2. Separate personal accounts - whoever earns the most puts more into a joint account

This is a more formal arrangement than the hybrid approach Paul and his wife use, and many Money blog readers seem to do this in one form or another judging by our inbox.

There's no right or wrong way to do the maths - you could both put in the same percentage of your individual salaries, or come up with a figure you think is fair, or ensure you're both left with the same amount of spending money after each payday.

3. Everything is shared

Gordon Hurd and his wife Brenda live by their spreadsheet. 

Brenda earns about £800 more a month as she is working full-time while Gordon is freelance. Previously Gordon had been the breadwinner - so it's a big turnaround.

They each have separate accounts with different banks, but they can both access the two accounts. 

How much is left in each account - and their incomings and outgoings - is all detailed in the spreadsheet, which is managed weekly. 

Whenever they need to buy something, they can see how much is left in each account and pay from either one. 

Gordon says this means "everyone knows how much is available" and "each person's money belongs to the other". 

"We have never in the last decade had a single disagreement about money and that is because of this strategy," he says.

Money blog reader Shredder79 got in touch to say he takes a similar approach. 

"I earn £50k and my wife earns just under £150k. We have one joint bank account that our wages go into and all our outgoings come out of. Some friends can't get their head around that but it's normal for us."

Another reader, Curtis, also puts his wages into a joint account with his wife. 

"After all, when you have a family (three kids) it shouldn't matter who earns more or less!" he says. 

Reader Alec goes further and says he questions "the authenticity of any long-term relationship or the certainly of a marriage if a couple does not completely share a bank account for all earnings and all outgoings". 

"As for earning significantly more than the other, so what? If you are one couple or long-term partnership you are one team and you simply communicate and share everything," he says. 

"Personally I couldn't imagine doing it any other way and I do instinctively wonder what issues or insecurities, whether it be in trust or something else, sit beneath the need to feel like you need to keep your finances separate from one another, especially if you are a married couple." 

A reader going by the name lljdc agrees, saying: "I earn half of what my husband does because I work part-time. Neither of us has a solo account. We have one joint account and everything goes into this and we just spend it however we like. All bills come out of this too. Sometimes I spend more, sometimes he spends more."

4. Separate accounts - but the higher earner pays their partner an 'allowance'

If one partner is earning much more than the other, or one partner isn't earning for whatever reason, they could keep separate accounts and have the higher earner pay their partner an allowance. 

This would see them transfer an agreed amount each week or month to their partner's account.

Let us know how you and your partner talk about and split finances in the comments box - we'll feature some of the best next week

By Jimmy Rice, Money blog editor

The centre-point of a significant week in the economy was inflation data, released first thing on Wednesday, that showed price rises accelerated in July to 2.2%.

Economists attributed part of the rise to energy prices - which have fallen this year, but at a much slower rate than they did last year. 

As our business correspondent Paul Kelso pointed out, it felt like the kind of mild fluctuation we can probably expect month to month now that sky high price hikes are behind us, though analysts do expect inflation to tick up further through the remainder of the year...

Underneath the bonnet, service inflation, taking in restaurants and hotels, dropped from 5.7% to 5.2%.

This is important because a large part of this is wages - and they've been a concern for the Bank of England as they plot a route for interest rates.

On Tuesday we learned average weekly earnings had also fallen - from 5.7% to 5.4% in the latest statistics.

High wages can be inflationary (1/ people have more to spend, 2/ employers might raise prices to cover staff costs), so any easing will only aid the case for a less restrictive monetary policy. Or, to put it in words most people use, the case for interest rate cuts.

Markets think there'll be two more cuts this year - nothing has changed there.

Away from the economy, official data also illustrated the pain being felt by renters across the UK.

The ONS said:

• Average UK private rents increased by 8.6% in the 12 months to July 2024, unchanged from in the 12 months to June 2024;
• Average rents increased to £1,319 (8.6%) in England, £748 (7.9%) in Wales, and £965 (8.2%) in Scotland;
• In Northern Ireland, average rents increased by 10% in the 12 months to May 2024;
• In England, rents inflation was highest in London (9.7%) and lowest in the North East (6.1%).

Yesterday, we found the UK economy grew 0.6% over three months to the end of June. 

That growth rate was the second highest among the G7 group of industrialised nations - only the United States performed better with 0.7%, though Japan and Germany have yet to released their latest data.

Interestingly, there was no growth at all in June, the Office for National Statistics said, as businesses delayed purchases until after the general election.

"In a range of industries across the economy, businesses stated that customers were delaying placing orders until the outcome of the election was known," the ONS said.

Finally, a shout for this analysis from business presenter Ian King examining what's gone wrong at Asda. It's been one of our most read articles this week and is well worth five minutes of your Friday commute or weekend...

We're signing out of regular updates now until Monday - but do check out our weekend read from 8am on Saturday. This week we're examining how couples who earn different amounts split their finances.

Each week we feature comments from Money blog readers on the story or stories that elicited most correspondence.

Our weekend probe into the myriad reasons for pub closures in the UK prompted hundreds of comments.

Landlords and campaigners, researchers and residents revealed to Sky News the "thousand cuts" killing Britain's boozers - and what it takes to survive the assault.

Here was your take on the subject...

I've been a publican for 19 years. This article is bang on! It's like you've overheard my conversations with my customers - COVID, cost of living, wages - the traditional British boozer going out of fashion. (My place: no food, no small children). Hey Jood

I own a small craft ale bar or micropub as some say. The current climate is sickening for the whole hospitality sector. This summer has been ridiculously quiet compared to previous ones. Micropubs were on the rise pre-COVID, but not now even we're struggling to survive… Lauren

I am an ex-landlord. It's ridiculous you can buy 10 cans for £10 or one pint for £5 now. It's not rocket science, it's a no-brainer: reverse the situation. Make supermarket beer more expensive than pub beer, then people will start to go out and mix again rather than getting drunk at home. Ivanlordpeers

Bought four pints of my regular drink at a supermarket for less than one pint in our local pub. It's becoming a luxury to go to a pub these days. Torquay David

Traditional pubs are being taken over by conglomerates who don't sell traditional beer, only very expensive lager, usually foreign, and other similar gassy drinks. How can they be called traditional pubs? Bronzestraw

The main reason for pubs closing is twofold! 1: The out-of-reach rents that the big groups charge landlords. 2: Landlords are told what stock they can hold and restrict where they can purchase it from. Strange, but most pubs belonged to the same groups! A pub-goer

Less pubs are managed now, pub companies are changing them to managed partnerships, putting the pressure onto inexperienced young ex-managers. Locals complain that their local pub has gone. but they don't use them enough. Can government regulate rents and beer prices for business owners? John Darkins

I was a brewery tenant in Scotland for many years and sequestrated because of the constant grabbing at my money by greedy brewers who wanted more and more. I made my pub very successful and was penalised by the brewery. James MacQuarrie 

The only reason pubs are closing is locals only use them on Boxing Day, New Year's Eve, and one Sunday a year. Plus breweries don't need pubs, they sell enough through supermarkets! Use them or lose them. Peter Smith

The closing of pubs is a terrible shame. I still go to my local and have great memories of getting drunk in many in my hometown. They are important places in society. As someone once said: "No good story ever started with a salad." Kev K

It's the taxman killing pubs. £1 of every £3 sold. Utter disgrace. Stef

I go with my girlfriend, Prue, every day to my local. It's a shame what's happening to prices. It used to be full of people and joy but now it's a ghost town in the pub since prices are too high now. I wish we could turn back time and find out what went wrong. Niall Benson

Minimum wage is around £11 and the tax threshold is £12,600 per year. How can you possibly afford a night in a pub out when a pint costs between £3 and £8 a pint on those wages? Allan7777blue

Unfortunately, the very people who have kept these establishments going over the years (the working man) have been priced out, and they're paying the price. Dandexter

The pubs are too expensive for people to go out regularly as we once did a decade or so ago. People's priorities are on survival, not recreation. Until the living wage increases beyond an inflation that wages haven't risen above in years, then we will see shops, pubs, etc. close JD

Who wants to spend hard-earned money going into a pub that's nearly always empty. It takes away one of the main attractions - socialising. Michael

Monzo has been named the best bank in the UK for customer satisfaction, according to a major survey. 

More than 17,000 personal current account customers rated their bank on the quality of its services and how likely they would be to recommend to friends or family. 

Digital banks made up the top three, with Monzo coming out on top, followed by Starling Bank and then Chase. 

Some 80% of Monzo customers said they would recommend the bank. 

The digital banking app said topping the tables "time and time again" was not something it would "ever take for granted". 

Royal Bank of Scotland (RBS) was bottom of the ranking for another year. 

The banks with the best services in branches were Nationwide, Lloyds Bank and Metro Bank. 

Gail's bakery chain has come under fire for repurposing unsold pastries into croissants and selling them for almost £4 the next day.

The retailer lists the "twice baked" chocolate almond croissants as part of its "Waste Not" range, which means it is made using leftover croissants that are then "topped with almond frangipane and flaked almonds".

The scheme has been hit with criticism online, with many pointing out the £3.90 price tag is 95p more than the original croissant.

One X user said: "The audacity of bragging about it being part of their 'Waste Not' range like we should be grateful to them and proud of ourselves for contributing to reducing food waste when they could just sell it for less money – not one pound more than yesterday.

"Unsure whether to be impressed or horrified that someone has come up with a concept to capitalise on yellow sticker goods to make more profit."

It should be added, however, that the practice was not invented by Gail's - and almond croissants were originally created by French boulangeries to reuse day-old croissants and stop them going stale.

When factoring in the extra ingredients (almond frangipane and flaked almonds) and baking time, the bakery chain would likely defend the increased price by pointing to the additional costs incurred.

It comes as locals in a trendy London neighbourhood signed a petition against a Gail's bakery setting up shop in their area.

After (unconfirmed) rumours began circulating that the chain was looking to open a site in Walthamstow village, more than 600 have signed a petition opposing the plans.

The petition says the village "faces a threat to its uniqueness" should Gail's move into the area (see yesterday's 11.54am post for more).

Gail's has been contacted for comment.

British retailers saw a rise in sales last month after a boost from Euro 2024 and summer discounting, according to official figures.

High street retailers said sales of football shirts, electronics such as TVs, and alcoholic drinks were all stronger amid the Three Lions' journey to the final.

Total retail sales volumes rose by 0.5% in July, the Office for National Statistics (ONS) said. It was, however, slightly below predictions, with economists forecasting a 0.7% increase.

It followed a 0.9% slump in volumes in June as retail firms blamed uncertainty ahead of the general election and poor weather.

ONS director of economic statistics, Liz McKeown, said: "Retail sales grew in July led by increases in department stores and sports equipment shops, with both the Euros and discounting across many stores boosting sales.

"These increases were offset by a poor month for clothing and furniture shops, and falling fuel sales, despite prices at the pump falling."

The data showed that non-food stores saw a 1.4% rise, driven by a strong performance from department stores, where sales grew by 4% for the month as summer sales helped to stoke demand.

However, clothing and footwear shops saw a 0.6% dip, whilst homeware retailers also saw volumes fall 0.6%. Food stores, meanwhile, saw sales remain flat for the month.

There are fears that the £2-cap on single bus fares could be scrapped after the government declined to say whether the policy would continue past December.

Bus companies said it was vital the cost of using their services is kept low for young people to "enhance their access to education and jobs".

Alison Edwards, director of policy and external relations at industry body the Confederation of Passenger Transport, said: "Bus operators are working closely with the government so that together we can find a way to avoid a cliff edge return to commercial fares.

"Analysis has shown that supporting fares, which can be done in a range of different ways, is great value for money and can support many other government objectives.

"For example, keeping fares low for young people would enhance their access to education and jobs, while also encouraging them to develop sustainable travel habits to last a lifetime."

Transport Secretary Louise Haigh said in a recent interview with the PA news agency that her officials were "looking at various options" in relation to the cap, including whether they could "target it better".

It's been a busy week on the economic front.

There was no major shift in the overall outlook - since Monday we've had it confirmed that the UK economy has lower inflation and more growth than the last two years, while wages have grown faster than the overall pace of price rises.

On the back of all that news the pound is at the highest rate since early this month against the dollar, worth $1.2882, and the highest since July when it comes to buying euro with one pound equal to €1.1733. 

Signs of a recovery from the global market sell-off of Monday last week can be seen in the share prices of companies listed on the London Stock Exchange.

Share prices have grown among the most valuable companies on the stock exchange, those that comprise the Financial Times Stock Exchange (FTSE) 100 list of most valuable companies.

Today though, this benchmark UK index fell 0.19% but finishes the week higher than the start.

Also finishing the week higher than the start are the more UK-based companies of the FTSE 250 (the 101st to the 250th most valuable firms on the London Stock Exchange).

On Friday morning that index was up 0.08%. 

With tensions in the Middle East and Eastern Europe high as Iran mulled a retaliatory strike on Israel and Ukraine made incursions into Russian territory, there had been concern about energy price spikes.

But the benchmark oil price has remained steady at $80.13 dollars for a barrel of Brent crude oil.

Gas prices have remained below the Monday high of 100 pence a therm (the measurement for heat) and now are 94.50 pence a therm. 

A Cabinet Office minister has said it is "unfair" to suggest other public sector workers will be queuing up for a pay rise after the government's offer of a 15% increase for train drivers and junior doctors.

"I think that's an unfair characterisation as well," paymaster general Nick Thomas-Symonds told Times Radio.

"I think what is absolutely crucial here is we are a Government again that is sticking to the promises we made in opposition.

"We promised we would sit down and find solutions, and people expressed scepticism about that, but actually that is precisely what we have done in Government."

Last month, the government and the British Medical Association struck an improved pay deal for junior doctors in England worth 22% on average over two years.

Meanwhile, train drivers will vote on a new pay deal following talks between representatives of drivers' union ASLEF and the Department for Transport.

The new offer is for a 5% backdated pay rise for 2022/23, a 4.75% rise for 23/24, and 4.5% increase for 24/25.

The Dartford Crossing is the highest-earning toll road in the UK, new data shows. 

The Kent to Essex route raked in £215.9m in the last year - 2,159 times more than the Whitney toll bridge in Hereford. 

The crossing, which was supposed to stop charging customers in 2003, costs between £2 and £6 to use (depending on the vehicle you're driving) between 10am and 6pm every day. 

Car finance company Moneybarn found it earned just over £209m in 2022. 

It topped the chart of 13 toll roads in the country, making over £100m more than the second highest-earning road in 2023 - the M6 Toll in the West Midlands. 

In third place was the Mersey Gateway Bridge between Halton and Cheshire, which made £48.9m. 

You can see how the other toll roads fared below... 

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