At First Rate we understand that retailers are looking for additional revenue streams and ways to maximise cross-selling opportunities both on and offline. And financial exchange offers a prime opportunity to do this.

Whether your business relies on footfall or is digitally based, we can offer you a seamless entry into the lucrative financial exchange market.

All of the following are relevant to retailers with a high street presence. Online retailers may wish to skip forward to Travel Money Online.


We can offer you over 60 banknote currencies by pre-order.

Orders can be made via your retail network or from our white label Travel Money Online platform. These are then fulfilled using our automated dispensers or manually, depending on the currency ordered.

Online orders come with the option of branch pick-up or home delivery, with guaranteed delivery by 1pm the next working day via Royal Mail’s Special Delivery service for orders placed by 3.00pm.

First Rate already provides a stockist fulfilment ordering service to a number of retailers, including John Lewis and the Post Office. We can receive these orders direct from our clients’ point of sale system into our own processing system.

Travel Money Online

Our white label service for online customer travel money offers the following benefits:

  • A straightforward mobile-optimised ordering system for your customers
  • Next working day delivery for currency ordered by 3.00pm
  • The option for customers to select a delivery date up to five business days ahead
  • Supporting web analytics to measure performance and inform product improvement
  • Rates, fees and min/max order thresholds to suit your strategic and commercial objectives

We have robust anti-fraud measures to reduce shared fraud risk, with multi-level transaction and cardholder checks, including 3D secure (Visa and Mastercard®).

Prepaid travel money cards

Prepaid travel money cards are a secure and convenient way to spend money abroad. As well as removing the need to carry large amounts of cash, they allow customers to lock in their exchange rate in advance of going away rather than being subject to any local changes.

As managers of one of the UK’s leading prepaid travel money card programmes, we recognise that every client has their own specific business objectives when choosing to offer these cards under their own brand. So we take time to understand your needs and to create a prepaid card solution that’s perfect for you and your customers – from card design through to the way our customer service team answers your customers’ calls.

Our cards can be preloaded with multiple currencies and are fully reloadable both in the UK and abroad via our call centre and a variety of digital channels, including web and app.