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A Guide to Travellers Cheques

Once a foreign currency staple, this form of prepaid funds has existed for hundreds of years, designed as a way to allow payment from one person to another across currencies. As the financial services sector continues to shift to online solutions , we look at how, where and why travellers cheques are used, as we discuss the relevance of this form of currency.

What are travellers cheques?

The history of the travellers cheque spans as far back as 1772 when the first of its kind was issued by the London Credit Exchange Company, in the UK. Over the coming centuries the concept became popularised on a global scale, with major banks and financial institutions adopting this form of travel money in the 20th century. American Express became the largest issuer of travellers cheques and continues to offer these services to customers to this day.

A safe and convenient method of payment for anyone travelling to foreign territories, these pre-printed cheques hold a fixed amount which can be used worldwide across a range of currencies. Designed to facilitate payments from one person to another, using different currencies, travellers cheques were initially seen as a more practical way for individuals to carry their spending money.

Travellers cheques had their heyday in the late 20th century, reaching peak popularity in the mid-90s, before alternatives such as credit and debit cards became more widely available and easier to manage financial transactions. It was reported in 2018 that a mere 1.5% of Britons use travellers cheques, a rapid decrease over the course of two decades.

How do you use travellers cheques?

When you first receive your travellers cheques, you will be required to sign each one before use, as a way of verifying your signature. Each cheque will have a fixed value (usually $20, $50, $100, $500 etc.) as well as a unique serial number which can typically be found in the top right corner.

It is important to take note of these serial numbers as they will be referenced in any case of lost or stolen cheques. Unlike cash, if anything happens to your travellers cheques, the original vendor will be able to issue a refund for the exact same value. This added level of security is why this payment method was seen as revolutionary when first introduced.

As well as signing upon receipt, you will also need to sign each travellers cheque when used by a retailer or exchanged for cash. The act of signing your name as a form of security is somewhat outdated, given the modern technologies in place nowadays.

When accepted by retailers, a travellers cheque will be treated like local currency, which means you should receive any change in the standard, local currency.

Where can I get travellers cheques?

Due to dwindling demand, travellers cheques are not as readily available as they once were. However, they can still be acquired from some banks and financial institutions, post offices and currency exchange offices, like Travelex.

One thing to note is you may be required to settle the handling, commission or cash-in fees that often accompany travellers cheques, and these can be expensive, amounting to 2 - 3% in some cases. This cost is another reason they are no longer as frequently used.

Where can I use travellers cheques?

Generally, travellers cheques are still accepted all over the world, albeit harder to find vendors selling them and retailers accepting them as legal tender. Consider your destination before deciding on this form of travel money: if you are travelling to major cities there is more chance of you finding somewhere to cash your cheques or use them for in-store purchases. However, more remote destinations may not be equipped or able to accept this type of funds.

How safe are travellers cheques?

The original blueprint for travellers cheques was a paper payment method which could be used as foreign currency but was more secure than handling cash. At the height of its popularity, travellers cheques were generally considered much safer than cash due to the added security of their unique serial numbers, meaning customers could cancel and replace cheques if need be. These numerical codes were a money-back guarantee for anyone whose cheques were misplaced, destroyed or stolen. Another added benefit, if your travellers cheques are intercepted, you will not be vulnerable to bank fraud, as they are in no way connected to your bank account, unlike credit or debit cards.

Financial security measures have evolved greatly since the inception of travellers cheques, however, with the introduction of PIN codes, two-factor authentication, fingerprint touch ID and facial recognition, to name a few forms of fintech security commonly available now. With this in mind, the concept of a travellers cheque no longer measures up in terms of fraud protection and data encryption.

Travellers cheque vs. Cashiers cheque: What is the difference?

In terms of appearance, a travellers cheque looks nearly identical to a standard issue cashier's cheque: but are they similar in any other ways?

A cashiers cheque is issued by a bank or financial institution and is designed to be processed quickly, by the individual whose name is printed on the cheque. Conversely, a travellers cheque is for use overseas, is loaded with prepaid foreign currency - usually USD or GBP - and does not have a name or account number printed on it, although it does require a signature. Because travellers cheques do not have any bank details printed on them, they are deemed safer than cashiers cheques in terms of potential for fraudulent use. In addition to this, they are paid for when printed, meaning it is not possible for a travellers cheque to bounce.

What are the alternatives?

Credit or debit cards.

If you are worried about travellers cheques not being widely accepted where you are going, then this form of travel money will offer more flexibility. Using your regular bank cards overseas provides a record of spending and offers maximum convenience, but there are also some frequently flagged concerns. Primarily these concerns focus on the sky-high fees and below-average exchange rates related to using your debit or credit card abroad. This isn’t always the case, however, as many banks and financial institutions offer travel credit cards, tailored to suit the needs of frequent flyers.

Travel money cards

Prepaid travel money cards are the modern equivalent to travellers cheques and have become very popular. This is largely due to the fact that they are totally separate from your regular bank account, allowing users to spend their balance freely without the worry of potential fraud or overspending. Preloaded with funds, travel money cards often help limit additional currency exchange charges. In addition to this, in spite of fluctuating currency rates, these cards let customers lock-in a favourable exchange rate ahead of time.

International bank accounts

If you are headed overseas for a sustained period of time, it could be more convenient and cost-effective to open a bank account in your destination country. You would be subject to the relevant security and eligibility checks but this decision pays off if you are making regular international money transfers or being paid in a different currency by foreign clients. Find out more about this option by reading our guide: How to Open a Bank Account Overseas.

Due to the growing alternative digital payment methods available nowadays, it seems this age-old travel money no longer measures up in terms of accessibility, cost and convenience. When travellers cheques were originally launched, ATM withdrawals were not commonplace for travellers, and digital point of sale systems had not been invented. Nowadays, it is easy to access local currency using an assortment of different payment methods such as debit or credit cards, travel money cards or money transfer apps .

The best option for anyone who is reluctant to use their debit or credit card overseas, would be to use a prepaid travel money card. Prepaid travel money cards are a safer and more widely used alternative to travellers cheques, and customers do not need to seek out a bank to use them, are not required to sign for each transaction and security measures in place are far more advanced. This method enables customers to secure multiple foreign currencies, locking in the optimum exchange rate for your currency pairing ahead of your trip abroad. Use our comparison tool to ensure you receive the most competitive exchange rates for your international money needs.

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What Is a Traveler’s Check?

• How It Works
• Where to Get Traveler's Checks
• Where to Cash Traveler's Checks
• Pros and Cons
• Alternatives to Traveler's Checks

The Bottom Line

• Personal Finance

Traveler's Check: What It Is, How It's Used, Where to Buy

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia.

Investopedia / Eliana Rodgers

A traveler’s check (sometimes spelled "cheque") is a once-popular but now largely outmoded medium of exchange utilized as an alternative to hard currency and intended to aid tourists. The product is typically used by people on vacation in foreign countries. It offers a safe way to travel overseas without the risks associated with losing cash. The issuing party, usually a bank, provides security against lost or stolen checks.

Traveler’s checks have increasingly been supplanted by credit cards and prepaid debit cards.

Key Takeaways

• Traveler’s checks are a form of payment issued by financial institutions.
• These paper cheques are generally used by people when traveling to foreign countries.
• They are purchased for set amounts and can be used to buy goods or services or be exchanged for cash.
• If your traveler's check is lost or stolen it can readily be replaced.
• Once widely used, traveler’s checks have largely been supplanted today by prepaid debit cards and credit cards.

How Traveler’s Checks Work

A traveler’s check is for a prepaid fixed amount and operates like cash, so a purchaser can use it to buy goods or services when traveling. A customer can also exchange a traveler’s check for cash. Major financial service institutions issue traveler’s checks, and banks and credit unions sell them, though their ranks have significantly dwindled today.

A traveler’s check is similar to a regular check because it has a unique check number or serial number. When a customer reports a check stolen or lost, the issuing company cancels that check and provides a new one. 

They come in several fixed denominations in a variety of currencies, making them a safeguard in countries with fluctuating exchange rates , and they do not have an expiration date. They are not linked to a customer’s bank account or line of credit and do not contain personally identifiable information, therefore eliminating the risk of identity theft. They operate via a dual signature system. You sign them when you purchase them, and then you sign them again when you cash them, which is designed to prevent anyone other than the purchaser from using them.

Many banks, hotels, and retailers used to accept them as cash, although some banks charged fees to cash them. However, with the rising worldwide use of credit cards and prepaid debit cards—such as the Visa TravelMoney card, which offers zero liability for its unauthorized use—it is getting much harder to find institutions that will cash traveler’s checks.

History of Traveler’s Checks

James C. Fargo, the president of the American Express Company, was a wealthy, well-known American who was unable to get checks cashed during a trip to Europe. In 1891, a company employee, Marcellus F. Berry, believed that the solution for taking money overseas required a check with the signature of the bearer and devised a product for it. American Express and Visa still use the British spelling on their products.

Where to Get Traveler's Checks

Companies that still issue traveler's checks today include Visa and AAA . They often come with a purchase fee. AAA now offers members pre-paid international Visa cards instead of paper checks.

In the U.S., they are available primarily from American Express locations. You can also buy traveler's checks online from the American Express website, but you need to be registered with an account. Visa offers traveler's checks at Citibank locations nationwide, as well as at several other banks.

American Express, Visa, and AAA are among the companies that still issue traveler’s checks.

Where to Cash Traveler's Checks

If you want to convert your traveler's checks into cash (instead of spending them directly), you can often deposit them normally at your bank. Many hotel or resort lobbies will also provide this service to guests at no charge. American Express also provides a service to redeem traveler's checks that they issue online to be deposited into your bank account.

Advantages and Disadvantages of Traveler's Checks

Traveler's checks are handy for tourists who do not want to risk losing their cash or having it stolen while abroad. Because traveler's checks can be reported lost or stolen and the funds replaced, they provide peace of mind. This was particularly a concern before credit cards and ATMs were widespread and affordable worldwide for most travelers. At the same time, these paper checks are now a bit outdated and come with a fee to purchase, making them potentially more expensive and cumbersome than using plastic or electronic payments.

Replaced if lost or stolen

Widely accepted around the world

Convenient to use

They don't expire

Must have the physical check to use it

Incurs a fee to purchase

Limited number of issuers today

Alternatives to Traveler's Checks

The most obvious alternative is to use a credit or debit card issued by a bank that works worldwide and charges low or no foreign exchange fees on purchases or ATM withdrawals. If your bank doesn't allow for this or charges high fees, then prepaid travel cards are the modern version of traveler’s checks. They allow you to get local currency from ATMs and make purchases with merchants—effectively eliminating the need for traveler’s checks.

Prepaid cards are not linked to your bank account, which prevents anybody from draining your checking account if the card gets lost or stolen—and you can’t go into debt. Credit cards offer similar (or better) protection, but you might not want to use your everyday card abroad. By using a dedicated travel card, you avoid spreading your card numbers around, which means you can be less vigilant about monitoring your accounts when you get back home. Visa and MasterCard both offer prepaid cards designed for use abroad. Those cards are available online, through travel agents, and at banks or credit unions. 

Travel cards should feature low ATM fees, technology that lets you operate like a local in foreign countries, emergency cash when you lose the card, and “zero liability” fraud protection. That said, prepaid cards can be expensive, so you need to compare fees against your other cards to decide whether or not a travel card makes sense.

For U.S. citizens living abroad for extended periods, maintaining checking and other bank accounts in the United States provides several advantages, and many checking accounts are friendly for foreign transactions .

Where Do You Buy Traveler's Checks?

You can buy still buy traveler's checks from Visa and a handful of other financial institutions. To buy them, visit a location or check the website of an issuing institution. You may need a photo ID in order to set up an account.

How Do You Cash Traveler's Checks?

Some hotels, resorts, and currency traders will cash traveler's checks in exchange for local currency. However, with the rising prevalence of credit and debit cards fewer locations cash traveler's checks.

What Do You Do With Traveler's Checks?

Traveler's checks are a secure way of carrying money while abroad. Many businesses in the tourism industry will cash traveler's checks, and they can also be deposited into a bank account. Because the checks can be easily replaced, they have a lower risk of theft or loss. However, traveler's checks have fallen out of favor due to the increased convenience of credit cards and prepaid debit cards.

Traveler's checks were once a popular way to carry money while vacationing abroad. They are sold in fixed denominations, and can be used for purchases or cashed like an ordinary check. Traveler's checks can be easily replaced, making them less risky than carrying large amounts of cash. However, they have fallen out of favor due to the convenience of using credit or debit cards.

Sparks, Evan. “ Nine Young Bankers Who Changed America: Marcellus Flemming Berry .” ABA Banking Journal, June 26, 2017.

Time Magazine. " Travel (April, 1956): The Host with the Most ."

American Express. " Travelers Cheques ."

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Where can I cash Travelers Cheques?

To find out locations where you can cash Travelers Cheques and how to redeem your Travelers Cheques directly with American Express please click here .

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Bank closure advice on what to do if your branch shuts down

W ith thousands of high street bank and building society branches having closed over the past decade or so, customers used to - or preferring - face-to-face contact about their finances can feel unsure about what to do next.

There are alternatives in place but many people may be not know which might suit their specific needs. Banks say the closures have been driven by a rapid increase in online and mobile banking and a rapid decline in the use of branches.

According to the consumer group Which? , 5,970 branches have disappeared since January 2015, reports The Mirror , with some town's turned into 'banking deserts' due to the lack of any high street facilities at all. For those who have been reliant upon or used to face-to-face banking support, there are alternatives available.

• Read More: Martin Lewis' MSE team urges anyone earning under £60,000 to do 10-minute check

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Here is a guide to what these are and how they might help with specific needs such as access to cash; depositing a cheque, or managing an account.

Post Office

The first option available if your local bank branch has closed is the Post Office as it offers basic banking service for free to customers from nearly all major UK banks including Barclays, Halifax, HSBC, Lloyds, NatWest and Santander. These services include:

• Cash deposits
• Cheque deposits
• Cash withdrawals
• Balance enquiries

It also offers a range of other commercial activities, such as savings, investments, loans, insurance, money transfer, foreign currency, mortgages and postal orders, although many of these are own-branded. The Post Office also offers a document verification service - vital when signing up for some financial products - but, unlike banks and building societies, it charges a fee.

This service can be accessed in any of the Post Office's 11,500 branches whenever it is open, including evenings and on Sundays where available. You can use the Post Office's branch finder tool to locate your nearest and check its opening hours.

However, it's by no means a like-for-like replacement for a local bank branch so you’ll find some services are more restricted. For example, to pay in cheques you may need a paying-in slip and deposit envelope from your actual bank and for account queries, changing details or applying for bank accounts, you will need to phone your bank directly or go to a branch.

Before heading to your local branch, you should first head to the Post Office's website here to check what your bank offers and what you will need for each service. Simply select your bank from the dropdown list and the available options should appear.

Banking hubs

These are part of a new scheme designed to plug the gap after the banking closures. The banking hubs operate in a similar way to standard bank branches but several banks all share the same space - usually on one day of each week.

Inside each hub, you’ll find Post Office staff ready to help with regular banking transactions including withdrawing and depositing cash and making bill payments. Alongside this, each day a representative from a specific bank will take over the space and offer advice to customers on more complicated banking issues.

Currently, there are 32 banking hubs located throughout the UK and includes the following banks:

• Bank of Ireland UK
• Danske Bank
• Lloyds Bank
• Virgin Money

Cash Access UK, a bank-owned company responsible for the delivery of new hubs, says more are planned to open across the country. It is currently working with communities to find suitable locations for the hubs, obtain planning permission, re-fit the properties and get each location working.

Pop-up banks and community bankers

NatWest Group and Lloyds Banking Group have 'community bankers' - professional bank staff who travel to areas which don't have branches and meet customers in shared local spaces, such as libraries, council buildings or leisure centres. These banking services allow you to do everyday banking including making deposits, withdrawing cash and paying bills.

Alongside this, they also provide customers with advice on more complex financial issues through one-to-one appointments and also offer open drop-in sessions. TSB runs 'pop-up' banks in selected community locations across England, Scotland and Wales. These again open in community places and offer the following services:

• Help with managing your existing payments, such as Direct Debits
• Internet and mobile banking registration, forgotten passwords and troubleshooting
• Reporting lost or stolen cards
• Non-cash payments to someone you've paid before, up to £10,000
• Help with general product enquiries
• Help with managing finances if you've suffered a bereavement

Barclays also offers Barclays Local which is a network of alternative branch formats in the UK. Again, they are open in places such as town halls and libraries, mobile vans and banking pods.

These offer customers a range of in-person support such as help with digital banking, financial reviews, balance check transfers and bill payments.

Mobile banking vans

Both the NatWest Group and Lloyds Banking Group offer mobile banking vans, which visit local communities and allow you to cash cheques, make deposits and withdrawals and also pay bills. They typically visit rural and semi-rural areas once a week.

Banks which offer this service include NatWest, Royal Bank of Scotland, Lloyds Bank and Bank of Scotland. Barclays also runs a mobile banking van service under its Barclays Local model. With this service customers can get advice on the following:

• Buying a new home
• Online banking
• Saving for the future
• Setting up a business

You can find out what services are offered by your bank through its website.

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Lloyds bank agm disrupted by pro-palestinian and climate protesters.

Lloyds Banking Group’s Annual General Meeting (AGM) has been disrupted by pro-Palestinian and climate activists.

Several protesters stood up one by one to disrupt the meeting at the SEC Armadillo auditorium in Glasgow from the moment it started on Thursday morning.

In a statement, campaign group Tipping Point said they had disrupted the meeting to demand the bank divest from fossil fuel companies and firms “complicit in Israeli genocide and occupation”.

As the incident unfolded, chair of Lloyds Banking Group Sir Robin Budenberg attempted to speak over the protesters, telling the AGM he was “really pleased” to be back in Glasgow.

Sir Robin was forced to stop speaking as the disruption continued.

A female protester could be heard referring to Lloyds “funding genocide in Gaza” and “funding climate catastrophe”.

“Everywhere you look, you can see it happening,” the protester added, referring to “wildfires and floods” before being removed by security guards.

Other attendees shouted: “Oh, shut up” and appeared to want to get involved, with Sir Robin asking them to leave the removal of the protesters to the stewards.

Addressing a male protester shortly after, he said: “Unless you’re prepared to sit down and wait for questions I’m really sorry, but I’m going to have to ask the stewards to remove you.”

Another male protester asked Sir Robin if his “£6 million” salary does not pay for Specsavers glasses, as he cannot see the “atrocities” that are going on.

The demonstrator said: “Do you not see that Lloyds is funding the arms that are destroying people’s futures?

“You are robbing, you are denying people their futures.

“Don’t just focus on the shareholder profits, focus on what makes us human.

“For the love of our children, let’s stop this madness, let’s stop investing in more fossil fuels.”

When the protester appeared to resist attempts by stewards to remove him, Sir Robin said to the room: “It looks like this gentleman does not want to leave.

“You are threatening the safety of other people in this room,” he told the protester.

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• Invest Wise Accounts (18 - 25 year olds)
• Ready-Made Investments

ETF Quicklist

• Introducing our ETF Quicklist
• View our ETF Quicklist

Guides and support

• Understanding investing
• Research the market
• Investing help and guidance
• Transfer your investments
• Trading Support
• ETF Academy
• Our Charges

Pensions and retirement

• Ready-Made Pension
• Combining your pensions
• Pension calculator
• Self-employed
• Pensions explained
• Top 10 pension tips
• Retirement options
• Existing Ready-Made Pension customers

Wealth management

• Is advice right for you?
• Benefits of financial advice
• Services we offer
• Cost of advice

Already investing with us?

• Log on to Share Dealing

Introducing the new Ready-Made Pension

A simple, smart and easy way to save for your retirement.

Show me how

Home, life & car

View all insurance products

Home insurance

• Get a home insurance quote
• Compare home insurance
• Buildings & contents insurance
• Contents insurance
• Buildings insurance
• Retrieve a home insurance quote
• Home insurance help & guidance
• Manage your home insurance policy

Car insurance

• Compare car insurance
• Car insurance help & guidance
• Log on to My Account to manage your car insurance

Life insurance

• Critical illness cover
• Mortgage protection insurance
• Life cover help & guidance

Other insurance

• Business insurance
• Van insurance
• Landlord insurance
• Make a home insurance claim
• Make a life insurance claim
• Make a car insurance claim

Already insured with us?

Support for existing customers

• Help with your existing home insurance
• Help with your existing life insurance
• Help with your existing car insurance

Get up to £100 cashback

Take care of what you value most, and we'll take care of you - a cashback reward with our range of insurance products: home, motor and life. T&Cs apply.

• Help & Support
• Branch Finder
• Accessibility and disability
• Search Close Close

Internet Banking

Keep me secure

• Current accounts help and guidance

Order a cheque or paying-in book

Please fill in the fields below, then click ‘Submit’. We will post your cheque or paying-in book within 4 working days. Please note we cannot provide cheque books for savings accounts, Basic Accounts, Cash Accounts or youth accounts.

Note that if you’ve changed your address within the last 3 months, you’ll need to place your order either in branch (This link opens in a new browser window) or by calling us on 0345 300 0000 so we can ask you a few security questions - we’re open from 8am – 8pm, seven days a week. Not all Telephone Banking services are available 24 hours a day, seven days a week.

Please note that items cannot be sent to addresses outside of the UK.

Calls may be monitored and recorded.