Terms & Conditions

These are the terms and conditions of The Channel Islands Co-operative Society Limited ("Terms and Conditions") which apply to your use of our website Travel Money website www.ci-travelmoney.com ("Website"). These Terms and Conditions should be read alongside our Privacy Policy and our Cookies Policy which shall be deemed to form part of these Terms and Conditions.

You are permitted to use our Website solely on the basis of these Terms and Conditions.  If you do not agree to these Terms and Conditions in their entirety please do not register for use of our Website and you may not use our Website. 

These Terms and Conditions apply regardless of how you access our Website, including any technologies or devices by which we make our Website available to you at home, on the move or in store.  

You must read these Terms and Conditions carefully, and we recommend that you print and keep a copy for your own future reference.  

By accessing, browsing, using, registering with, or placing an order on our Website, you confirm that you have read, understood and agree to these Terms and Conditions in their entirety.

We reserve the right, at our discretion, to update and/or revise these Terms and Conditions. Please check our Website periodically for changes. If you do not wish to accept any new Terms and Conditions you should stop using our Website.  Any continued use by you of our Website after the date on which any new Terms and Conditions become effective will be deemed to mean that you have accepted the new Terms and Conditions in their entirety.

If you have any questions relating to these Terms and Conditions please contact us:
The Secretary
The Channel Islands Co-operative Society Ltd
Co-operative House
St Helier

Our Website also includes links to our other websites which relate to specific trading and other activities, and all orders/purchases made through those sites will be governed by the specific terms and conditions relevant to each activity in addition to these Terms and Conditions.

Use of our Website

The Service is only available to individuals aged 16 years or over and who are resident in The Channel Islands. The Service may be used to purchase Online Foreign Currency for holiday or business travel only and not for speculative, investment or any other purposes.

We may change, suspend or discontinue our Website at any time, including the availability of any feature, database, or content of it.  We may also at any time impose limits on certain features and services or restrict your access to parts or all of our Website without notice or liability.  We reserve the right to refuse to post material on our Website or to remove material already posted on our Website.

You shall be responsible for obtaining and maintaining any equipment or ancillary services needed to connect to, access or otherwise use our Website (including, without limitation, modems, routers, other hardware, software, and telephone services).

Placing an order

To place an order, follow the instructions on the ordering pages of the Website. You are able to correct errors on your order up to the point at which you click on "Pay Now" button on the “Pay” page. The exchange rates we quote are subject to change. We will use the exchange rate (as set by us) that appears on the “Pay” page at the time we receive your order.

You must provide the requested information for us to process your order. We reserve the right to request further information from you at any time to enable us to complete your order and / or to comply with regulatory requirements. We will use various procedures to authenticate each transaction. By placing an order, you confirm that the details contained in the order are correct in all respects. The system will display a confirmation page setting out the details of your order. This confirms receipt of your order.

A contract between you and us is only formed when we receive your credit / debit card payment and send you a confirmation email that your order and payment has been accepted. Please print a copy of the confirmation page for your records and also print the payment confirmation email and bring it to the nominated store for collection as you will need to present the confirmation email to collect your order. We may, at any time, decline to process your order or any part of your order for any reason including where insufficient or incorrect information has been provided, authentication has not been possible or an exchange rate has been quoted in error.

You will be required to pay for your order by making a payment via credit or debit card at the time of online.

Business Day means Monday to Friday excluding National Public Holidays and Bank Holidays in The Channel Islands. For orders made after 12pm on a Business Day, an additional Business Day is required to ensure the order is ready for collection or Posting, an email confirmatioinn will be sent to advise when your order is ready for collection or has been despatched. *some currencies may need to be specifically ordered and can take up to 3 working days.

All online orders for Online Foreign Currency are subject to:

(a) An aggregate minimum order value currency minimum denomency of per order (for Online Foreign Currency).
(b) An aggregate maximum order value (within a 24 hour period) of £680 (GBP) for Postal orders and £7500 (GBP) for collection orders.

Currency availability may also be subject to further monetary limits, currency exchange and country restrictions and customers abiding by these terms and conditions.

These limits are subject to change from time to time at Travelmoney online discretion.

These limits apply to an online order for Online Travel Currency via the Service only and may be different to the limits imposed when purchasing foreign currency in store.

Payment via credit/debit card

For orders to be collected from our Postal locations and paid for by credit card or debit card may be ordered between 1 Business Day and 21 Store Busines Days in advance of the collection date.

For orders paid for by credit card or debit card, your card will be debited with the relevant amount once you press “Pay Now” on the “Pay” page. To protect you against fraud we require the card used to pay for an order to be presented at the time of collection.

The cardholder of the card used to pay for an order must be one and the same person placing and collecting the order. Third party credit or debit card payments are not allowed.

Orders cannot be paid for by Prepaid Cards. We only accept payment by a physical credit or debit card that can be presented in person at the time of collection. The physical credit or debit card must display the name of the customer as it appears on the order.

Store Business Days means the days that the selected collection store is open for business.

Collecting your order

Orders can be collected from the locations listed on the “Click & Collect” page. Collection is subject to the opening times of the collection location. Details of the opening times of the collection location will be notified to you at the time of the order and can be obtained on the Website. Please note that once you have placed your order, you cannot change the nominated collection location. Please remember to allow sufficient time to make your collection before departing. In certain limited circumstances, we may change the collection location and/or time by notifying you prior to the collection date if we are unable to fulfil your order from your nominated collection location.

At the time of collection you will need to produce the following:

  1.      If you paid by credit or debit card, the card with which the order was paid for; and
  2.      A print out of your confirmation email or your order reference number; and
  3.      One form of identification from the following: current passport or current driver’s licence.
  4.      Proof of address (proof of address documents include Utility bill or bank statement that is dated within the last 3 months).

You must bring the identification used at the time of placing your order, otherwise you will not be able to collect your order. The name on the credit or debit card you used to pay for the order must match the name on the identification used. The Channel Islands Co-operative Society reserves the right to cancel a transaction if the card used to pay for the order is not presented or if payment has been made by a cardholder who is not the person placing and collecting the order.

You may be required to sign for your order at the time you collect it.

The above requirements are in place to enable us to comply with laws and regulatory requirements and to help to protect you against fraud. If you are not able to produce the above items at the time of collection, we may not be able to provide you with your order and your order may be cancelled by us. 

Fees and charges

The total sum payable by you for the purchase of Online Foreign Currency and/or Online Cash Passport order will be shown in the “Pay” page.

You can pay for Online Foreign Currency orders via Visa and MasterCard credit and debit cards issued in the United Kingdom, which are registered in your name and with sufficient funds available to cover your order and any applicable fees.

Credit card and cash advance fees

If you wish to pay by credit card, we will charge a non-refundable card surcharge of 1.5% of the total order value. This will be shown within your order summary on the “Pay” page on selection of the payment option. If you choose to pay by credit or debit card, your card issuer may charge a cash advance fee which will be shown separately on your card statement. We have no control over and are not liable for such fees/charges.

Registration, Security, Suspension and Cancellation

To register with our Website you must be over eighteen sixteen (16) years of age.  You must ensure that the details provided by you on registration or at any time are correct and complete.  You must inform us promptly of any changes to the information that you provided when registering by updating your personal details under the ‘My Account’ section of the website.  You must provide us with your real name, address, phone number, email address and any other details that we may require from time to time to process your registration.

We reserve the right, at our absolute discretion, to:

  • decline a new member registration or suspend a member’s account at any time and at our sole discretion; or
  • terminate a member's access to all or part of our Website with or without notice.

You may cancel your agreement to these Terms and Conditions at any time by informing us in writing.  If you do so, you must stop using our Website.  The provisions of these Terms and Conditions relating to 'Intellectual Property', 'Conduct of Member' and 'Limitation of Liability' shall survive any cancellation.


You will need to create a password upon registration with our Website.  You are responsible for maintaining the confidentiality of your password and account and any activities that occur under your account.  If you know or suspect that someone else knows your password you must contact us immediately.

We may require you to change your password or suspend your account in accordance with 'Registration, Security, Suspension and Cancellation' including, without limitation, if we have reason to believe that there is likely to be a breach of security or misuse of our Website.

Intellectual Property

The content of our Website is protected by copyright, trade marks, database and other intellectual property rights.  You may retrieve and display the content of our Website on a computer screen, store such         content in electronic form on disk (but not on any server or other storage device connected to a network) or print one copy of such content for your own personal, non-commercial use, provided you keep intact all and any copyright and proprietary notices.  You may not otherwise reproduce, modify, copy or distribute or use for commercial purposes any of the materials or content on our Website without our written permission.

No licence is granted to you in these Terms and Conditions to use any trade mark of The Channel Islands Co-operative Society Limited or its affiliated companies including, without limitation.

Conduct of Members

You may not use our Website for any of the following purposes:

  • disseminating any unlawful, libellous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable, material;
  • transmitting material that is or which encourages conduct that constitutes a criminal offence, results in civil liability or otherwise breaches any relevant laws, regulations or code of practice;
  • gaining unauthorised access to other computer systems;
  • interfering with any other person's use or enjoyment of our Website;
  • breaching any laws concerning the use of public telecommunications networks;
  • interfering or disrupting networks or websites connected to our Website;
  • making, transmitting or storing electronic copies of materials protected by copyright without the permission of the owner; or
  • engaging in technically harmful behaviour, which includes but is not limited to: computer viruses, logic bombs, trojan horses, worms, harmful components, corrupted data and other malicious software or harmful data.


You agree fully to indemnify us (and our officers, directors, employees, agents and suppliers) at all times against all claims, liabilities, proceedings, damages, losses, costs and expenses of whatever nature arising out of any breach or violation of these Terms and Conditions by you or any other liabilities arising out of your use or misuse of our Website (including content you submit, post or transmit via our Website), or the use or misuse by any other person accessing our Website using your account and/or your personal information.

Limitation of liability

Our Website is provided on an "as is" basis meaning that it is provided without warranties of any kind on our part, either express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose or non-infringement.

We assume no liability for:

  • any incompatibility between our Website and other websites, services or any of your software, equipment, telecommunications links and hardware;
  • any modification, suspension or discontinuance of any of our Website, domain names or services;
  • any viruses or any other disabling features that affect your access to or use of our Website;
  • any delays or failures you may experience in initiating, conducting or completing any transmissions or transactions in connection with our Website; or
  • any use by you of our Website including, without limitation, for any direct, indirect, incidental or consequential loss or damages or any loss of profits, loss of revenue or business interruption or otherwise. 

Nothing in these Terms and Conditions shall exclude or limit our liability for:

  • death or personal injury caused by negligence; or
  • fraud; or
  • any liability which cannot be excluded or limited under applicable law.

Third Parties

To provide increased value to our members, we may provide, or third parties may provide, links to other websites or resources for you to access at your sole discretion and entirely at your own risk.

You acknowledge and agree that, as you have freely chosen to enter the linked website, we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable, directly or indirectly, for:

  • the privacy practices of such websites;
  • the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources;
  • the use to which others make of those websites or resources;
  • any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such websites or resources.

Part of our Website may contain advertising and sponsorship.  Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on our Website complies with relevant laws and codes.  We will not be responsible for any error or inaccuracy in advertising and sponsorship material.


If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision shall be limited or removed or amended to the minimum extent necessary so that these Terms and Conditions shall otherwise remain in full force and effect and be enforceable.

If you breach these Terms and Conditions, and we ignore this, we shall still be entitled to use our rights and remedies at a later date or in any other situation where you breach the Terms and Conditions.

We shall not be responsible for our breach of these Terms and Conditions caused by circumstances beyond our control.

You may not assign, sub-licence or otherwise transfer any of your rights under these Terms and Conditions.

We make no promise that the materials on our Website are appropriate or available for use in locations outside the Channel Islands, and accessing our Website from territories where its contents are illegal or unlawful is prohibited.  If you choose to access our Website from locations outside the Channel Islands, you do so on your own initiative and are responsible for compliance with local laws.

These Terms and Conditions do not affect your statutory rights.

Applicable Law

Jersey law

These Terms and Conditions shall be governed by and construed in accordance with the laws of Jersey and if your address that you have provided to us pursuant to 'Registration, Security, Suspension and Cancellation' section is situate in Jersey.  In such circumstances, you agree to submit to the non-exclusive jurisdiction of the Courts of Jersey in relation to any claim, dispute or matter arising out of or relating to these Terms and Conditions and their implementation or effect.

Guernsey law

These Terms and Conditions shall be governed by and construed in accordance with the laws of Guernsey if your address that you have provided to us pursuant to 'Registration, Security, Suspension and Cancellation' section is situate in the Bailiwick of Guernsey.  In such circumstances, you agree to submit to the non-exclusive jurisdiction of the Courts of Guernsey in relation to any claim, dispute or matter arising out of or relating to these Terms and Conditions and their implementation or effect.


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