---
title: "M&S Bank Travel Money Exchange Rate API: GBP Buy and Sell Rates as JSON"
description: "M&S Bank Travel Money's travel money (bank notes): sell / buy-back rates for 60 currencies against the pound sterling, read hourly from the bank's own page and served as JSON with the Bank of England official rate alongside. REST, JavaScript and Python examples."
canonical: https://allratestoday.com/blog/mands-bank-travel-money-exchange-rate-api/
source: AllRatesToday (https://allratestoday.com/) — Markdown mirror of the page above; index of all pages at https://allratestoday.com/llms.txt
generated: 2026-11-15T19:13:59.941Z
---

M&S Bank is the Marks & Spencer financial-services brand, part of HSBC UK, with travel money run by eurochange in M&S stores. Its travel-money pages list the price of foreign bank notes and the buy-back rate for leftover notes for about 60 currencies. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Bank of England official rate and with other banks in the United Kingdom, and the calls that return them.

## What the M&S Bank board shows

- **60 currencies against the pound sterling**: AED, AUD, BBD, BDT, BHD, BMD, BND, BRL, CAD, CHF, CLP, CNY, COP, CRC, CZK, DKK, DOP, EGP, EUR, FJD, HKD, HUF, IDR, ILS, INR, ISK, JMD, JOD, JPY, KES, KRW, KWD, LKR, MAD, MUR, MXN, MYR, NOK, NPR, NZD, OMR, PEN, PHP, PLN, QAR, RON, RSD, SAR, SEK, SGD, THB, TRY, TTD, TWD, USD, UYU, VND, XCD, XPF and ZAR. Every value is GBP per 1 unit of the foreign currency.
- **The travel money (bank notes): sell / buy-back pair.** UK banks quote foreign currency per 1 pound, and most publish only travel-money note prices rather than a transfer board; the rates here are inverted to pounds per unit. The Bank of England publishes daily spot rates around 16:00 London time. The Bank of England official rate is shown next to each row.
- **USD on 15 November 2026**: M&S Bank bought at 0.6643 and sold at 0.7802 GBP, a spread of 16.04%. The Bank of England official rate was 0.7554, so the bank's mid sat -4.39% from it.
- **No timestamp on the bank's page.** M&S Bank does not print a last-updated time, so `bank_updated_at` is `null` and `captured_at` (when AllRatesToday read the page) is the only time available.
- **Every day's board is kept permanently, from 14 November 2026.** Read one past day with `?date=`, or a range for one currency with the `/history` endpoint (paid plans).

## Spreads across the board

On the 15 November 2026 board the tightest spreads were EUR (15.82%), USD (16.04%), AUD (17.79%) and the widest MAD (61.62%), EGP (58.61%), LKR (53.19%). Spread is (sell − buy) ÷ mid: what a round trip through the bank costs, before any fees. The API returns it on every row as `spread_pct`, so you can rank currencies or alert when a bank widens its board.

## USD at M&S Bank and other banks in the United Kingdom

USD on the 7 boards AllRatesToday reads in the United Kingdom, all captured on 15 November 2026 (the Bank of England official rate was 0.7554):

| Bank | Buy | Sell | Spread | Mid vs official |
| --- | --- | --- | --- | --- |
| Danske Bank UK | 0.7367 | 0.776 | 5.19% | +0.12% |
| Bank of Ireland UK | 0.7354 | 0.777 | 5.50% | +0.11% |
| **M&S Bank Travel Money** | 0.6643 | 0.7802 | 16.04% | -4.39% |
| Post Office Travel Money | 0.6623 | 0.7962 | 18.37% | -3.47% |
| NatWest | 0.7383 | 0.7735 | 4.66% | +0.07% |
| Royal Bank of Scotland | 0.7383 | 0.7735 | 4.66% | +0.07% |
| BNP Paribas UK | 0.7417 | 0.7689 | 3.60% | -0.01% |

M&S Bank had the 6th narrowest USD spread of the 7. One call to `/api/v1/bank-rates/gb` returns every board in the table at once.

## Get the board (REST)

You need an API key; the [free key](https://allratestoday.com/register/) works. The full board:

```
curl "https://allratestoday.com/api/v1/bank-rates/gb/mandsbank" \
  -H "Authorization: Bearer art_live_your_key"
```

What comes back (the 15 November 2026 board, first three rows):

```
{
  "bank": "mandsbank",
  "name": "M&S Bank Travel Money",
  "country": "gb",
  "quote_ccy": "GBP",
  "bank_updated_at": null,
  "basis": "Travel money (bank notes): sell / buy-back",
  "captured_at": "2026-11-15T11:45:52.633Z",
  "rates": [
    {"ccy":"AED","buy":0.16930787,"sell":0.21404568,"mid":0.19167677,"spread_pct":23.34,"official":null,"vs_official_pct":null},
    {"ccy":"AUD","buy":0.44338033,"sell":0.52996979,"mid":0.48667506,"spread_pct":17.792,"official":0.5144562197756971,"vs_official_pct":-5.4},
    {"ccy":"BBD","buy":0.31691703,"sell":0.40622334,"mid":0.36157018,"spread_pct":24.7,"official":null,"vs_official_pct":null},
    … 57 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}
```

One currency, with the row fields at the top level:

```
curl "https://allratestoday.com/api/v1/bank-rates/gb/mandsbank?ccy=USD" \
  -H "Authorization: Bearer art_live_your_key"
```

```
{
  "bank": "mandsbank",
  "name": "M&S Bank Travel Money",
  "country": "gb",
  "quote_ccy": "GBP",
  "bank_updated_at": null,
  "basis": "Travel money (bank notes): sell / buy-back",
  "captured_at": "2026-11-15T11:45:52.633Z",
  "ccy": "USD",
  "buy": 0.6643194,
  "sell": 0.78015291,
  "mid": 0.72223616,
  "spread_pct": 16.038,
  "official": 0.7554011179936546,
  "vs_official_pct": -4.39,
  "disclaimer": "Retail buy/sell rates as displayed on each bank’s own website at capture time, quoted as home currency per 1 unit of foreign currency. Indicative only: banks change these through the day, apply them at the counter or in-app, and they are not official or reference rates. For the rate a regulation names, use the central-bank endpoints.",
  "attribution": {
    "source": "Board rates published by M&S Bank Travel Money on its own website, collected by AllRatesToday",
    "bank_url": "https://mandstravelmoney.com/travel-money/exchange-rates",
    "url": "https://allratestoday.com/bank-exchange-rate-api/gb/mandsbank/",
    "terms": "Public pages that show the rates need a visible link to allratestoday.com"
  }
}
```

The board as it stood on a past day:

```
curl "https://allratestoday.com/api/v1/bank-rates/gb/mandsbank?date=2026-11-14" \
  -H "Authorization: Bearer art_live_your_key"
```

One currency over a date range, one row per day (paid plans; add `&format=csv`, `xml` or `xlsx` for a file):

```
curl "https://allratestoday.com/api/v1/bank-rates/gb/mandsbank/history?ccy=USD&from=2026-11-14&to=2026-11-15" \
  -H "Authorization: Bearer art_live_your_key"
```

## JavaScript

```
npm install @allratestoday/sdk
```

```
import { AllRatesToday } from '@allratestoday/sdk';

const client = new AllRatesToday({ apiKey: 'art_live_your_key' });

// M&S Bank Travel Money's USD row
const r = await client.bankRates('gb', { bank: 'mandsbank', ccy: 'USD' });
console.log(`M&S Bank buys USD at ${r.buy}, sells at ${r.sell} GBP`);

// The board as it stood on a past day
const past = await client.bankRates('gb', { bank: 'mandsbank', date: '2026-11-14' });
console.log(past.snapshot_date, past.rates.length);
```

## Python

```
import requests

r = requests.get(
    "https://allratestoday.com/api/v1/bank-rates/gb/mandsbank",
    headers={"Authorization": "Bearer art_live_your_key"},
    timeout=10,
)
r.raise_for_status()
for row in r.json()["rates"]:
    print(row["ccy"], row["buy"], row["sell"], row["spread_pct"])
```

## Board rate or official rate?

The Bank of England rate is the one tax, accounting and customs rules in the United Kingdom name; nobody transacts at it. M&S Bank's board is the price a customer actually gets. The API puts both on every row: `official` is the central bank's rate for the same currency and `vs_official_pct` is how far the bank's mid sits from it. Use the board to show customers a real price, compare banks for a remittance, or keep a dated record of what the bank quoted; use the [Bank of England endpoint](https://allratestoday.com/central-bank-rates-api/boe/) when a rule asks for the official rate.

## FAQ

### Where do the M&S Bank Travel Money rates come from?

From the bank's own public rates page (https://mandstravelmoney.com/travel-money/exchange-rates), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price M&S Bank shows, with the mid, the spread and the Bank of England rate added.

### Are these the official GBP exchange rates?

No. They are M&S Bank's retail prices for customers. The official rate in the United Kingdom is the Bank of England rate, which the API returns as `official` on each row where the central bank has one, and in full from the central-bank endpoint.

### How often is the M&S Bank board updated?

AllRatesToday reads the page every hour. The bank prints no timestamp, so `captured_at` tells you when the rates were read.

### Can I get M&S Bank rates for a past date?

Yes, from 14 November 2026 onward; every day's board is kept permanently. Add `?date=YYYY-MM-DD` for one day: the response is the board captured that day, or the nearest earlier day within five days, with `date_requested` and `snapshot_date` added. For a range, `/history?ccy=USD&from=…&to=…` returns one row per day as JSON, CSV, XML or XLSX on paid plans.

### Do I need an API key?

Yes. Commercial bank boards need an API key; any plan works, the free key included, and each call counts against the plan. Public pages or widgets that show the rates need a visible link to allratestoday.com.

## M&S Bank Travel Money rates, as JSON

Free API key, hourly board captures, the official rate alongside.

 [Get your free API key](https://allratestoday.com/register/)

## Related

- [M&S Bank Travel Money live board rates](https://allratestoday.com/bank-exchange-rate-api/gb/mandsbank/)
- [All banks in the United Kingdom side by side](https://allratestoday.com/bank-exchange-rate-api/gb/)
- [Bank of England official rates API](https://allratestoday.com/central-bank-rates-api/boe/)
- [Danske Bank UK exchange rate API guide](https://allratestoday.com/blog/danske-bank-uk-exchange-rate-api/)
- [Bank of Ireland UK exchange rate API guide](https://allratestoday.com/blog/bank-of-ireland-uk-exchange-rate-api/)
- [Post Office Travel Money exchange rate API guide](https://allratestoday.com/blog/post-office-travel-money-exchange-rate-api/)
- [NatWest exchange rate API guide](https://allratestoday.com/blog/natwest-exchange-rate-api/)
- [Royal Bank of Scotland exchange rate API guide](https://allratestoday.com/blog/royal-bank-of-scotland-exchange-rate-api/)
- [BNP Paribas UK exchange rate API guide](https://allratestoday.com/blog/bnp-paribas-uk-exchange-rate-api/)
- [Every bank exchange rate API guide, by country](https://allratestoday.com/blog/bank-exchange-rate-api-guides/)
- [Commercial bank rates API: every bank and country](https://allratestoday.com/bank-exchange-rate-api/)