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Terms & Conditions of Online Sale

About these terms and conditions

These are the terms and conditions on which we supply products to you, whether these are goods, services or digital content.  Because we provide a range of services and products on line, there are some general terms and conditions which apply to everything we do, and there are some which relate to specific types of product or services which we provide.

Please read these terms carefully before you submit your order to us. These terms tell you who we are, how we will provide products to you, how you and we may change or end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms, please contact us to discuss.

We are Ramsdens Financial Limited ("We"). We are registered in England and Wales under company number 03045495 and have our registered office and main trading address at our store at Unit 16, Parkway Centre, Coulby Newham, Middlesbrough, Cleveland, England, TS8 0TJ. Our VAT number is 654256431.

If you have any questions or comments, please contact us:

Write to: Ramsdens Financial Limited, PO Box 211. Middlesbrough TS8 8AU

Email us at one of the following:

Currency issues will dealt with by our Foreign Currency Team at

General Enquiries will be handled by our Processing Team at

Complaints will be handled by our Servicing Team at

If we have to contact you we will do so by telephone or by writing to you at the email address or postal address you provided to us in your order.

Our contract with you

Our acceptance of your order will take place when we email you to accept it, at which point a contract will come into existence between you and us.

If we are unable to accept your order, we will inform you of this and will not charge you for the product. This might be because the product is out of stock, because of unexpected limits on our resources which we could not reasonably plan for, because we have identified an error in the price or description of the product or because we are unable to meet a delivery deadline you have specified.

Our Website shows ‘one off’ items which may also be on sale in one of our high street branches. Ramsdens operate a dual real time IT system to limit this situation from occurring, in the unlikely event than an online purchase is completed at the same time as in branch, the item will be allocated to the customer that successfully completes payment. If this happens to be an in branch customer, any online payments taken will be refunded back to the account.

Our website is solely for the promotion of our products in the UK. Unfortunately, we do not deliver to addresses outside the UK.  Please note that we cannot deliver goods to addresses in the Channel Islands.

Your right to make changes

If you wish to make a change to the product you have ordered please contact us. We will let you know if the change is possible. If it is possible we will let you know about any changes to the price of the product, the timing of supply or anything else which would be necessary as a result of your requested change and ask you to confirm whether you wish to go ahead with the change.

Providing the Products

If you are picking up your order from a local store, you will need to go in person, and take with you the payment card you used to pay online as well as your receipt. These requirements are for your peace of mind, as they allow us to ensure your details are completely secure.

If you fail to collect your order from your selected Ramsdens location within 30 days of the collection date then your Order will be marked as “not-collected” and may be cancelled at the sole discretion of Ramsdens.

If you have asked to collect the products from our premises, you can collect them from us at any time during our opening hours. Please be aware that opening hours vary across our branches, so please check online at

We will ensure that currency purchased by you using our Travel Money service is available for collection in accordance with the timetable set out here.

If our supply of the products is delayed by an event outside our control then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay. Provided we do this we will not be liable for delays caused by the event, but if there is a risk of substantial delay you may contact us to end the contract and receive a refund for any products you have paid for but not received.

If you do not collect the products from us as arranged or if, after a failed delivery to you, you do not re-arrange delivery or collect them from a delivery depot we will contact you for further instructions and may charge you for storage costs and any further delivery costs. If, despite our reasonable efforts, we are unable to contact you or re-arrange delivery or collection we may end the contract.  

If we process a refund for you, the date the monies reach your bank account is dependent upon your bank processing the refund which could take from 2 to 10 Working Days.

The product will be your responsibility from the time you collect it from us.

You own the goods once we have received payment in full.

Our right to end the contract

We reserve the right to cancel any order for travel money using our Travel Money service at any time and issue a full refund. This right does not apply in relation to an order for goods or services other than foreign currency.

Your rights to end the contract

Your rights when you end the contract will depend on what you have bought, whether there is anything wrong with it, how we are performing and when you decide to end the contract:

  • Ending the contract because of something we have done or are going to do.

If you are ending a contract for a reason set out at (a) to (e) below the contract will end immediately and we will refund you in full for any products which have not been provided and you may also be entitled to compensation. The reasons are:

(a)we have told you about an upcoming change to the product or these terms which you do not agree to;

(b)we have told you about an error in the price or description of the product you have ordered and you do not wish to proceed;

(c)there is a risk that supply of the products may be significantly delayed because of events outside our control;

(d)we have suspended supply of the products for technical reasons, or notify you we are going to suspend them for technical reasons, in each case for a period of more than 7 days; or

(e)you have a legal right to end the contract because of something we have done wrong.

  • Exercising your right to change your mind (Consumer Contracts Regulations 2013).

For most products bought online you have a legal right to change your mind within 14 days and receive a refund.  These rights, under the Consumer Contracts Regulations 2013, are explained in more detail in these terms.

  • How long do I have to change my mind?

In relation to our Travel Money Service, you can cancel your order at any time between the time we confirm receipt of your order and the day which falls 14 days after the day we email you to confirm we accept your order.

In relation to the purchase of jewellery and watches online please click here.

The procedures and terms set out above do not affect your right to reject faulty goods.  Further information about your rights can be found at

How to end the contract with us

If you change your mind after placing an order, you can cancel it at any time before we have sent our Dispatch Email to you. To cancel your order, you will need to give us your name and address details, as well as your order number. Please contact us at or telephone 01642 579957 between 9am and 5pm Monday to Friday.

Emails will be acknowledged within 24 hours, Monday to Friday 9am – 5pm. Emails sent on a weekend will not be picked up until the following Monday.

Delivery & Returns in relation to Jewellery & Watches

To view our full Delivery & Returns information for Jewellery & Watches, click here.

Pricing and payment

Prices for goods throughout the Website are quoted in Pounds Sterling and payment can only be accepted in Pounds Sterling. All prices include VAT where applicable. Prices quoted on the Website are applicable exclusively to goods purchased through this Website. Prices applicable to goods for purchase in Ramsdens stores may differ from those quoted on this Website.

While we make every effort to ensure that the goods shown on our Website are currently available at the price shown on the Website, we cannot guarantee that this will always be the case. If goods you have ordered online are unavailable at the price or conditions shown, you will be notified as soon as possible.

If a pricing error is made on our Website or in the ordering process we will inform you as soon as possible and give you the option of buying the goods at the correct price or cancelling the order. If we cannot get in contact with you to notify you of the error, your order will be cancelled. In those circumstances, no payment will be taken from you or, if applicable, any payment taken in advance will be refunded.

Travel Money rates shown on our website take precedent over rates that have been extracted and displayed outside of it.

We can accept credit and debit payments on the following cards, if issued in the UK:

  • Maestro
  • MasterCard
  • Visa
  • Visa Debit
  • Visa Electron
  • Solo

Please note that purchase of Travel Money can only be made by debit card.

Your card will be debited once your order is placed, you will then receive an Order Confirmation email.

We will aim to inform you as soon as possible if there is an issue with the payment authorisation process or with any validation checks for your order. We will not accept your order if payment is not authorised. Where there are issues with the authorisation process or validation checks, your delivery may be delayed as a result.

If there are any issues with payment or stock delivery, a full refund will be given.

Paying using vouchers

A voucher code allows you to take advantage of special discounts and offers. Voucher codes are issued by email, in-store, by post, in magazines, newspapers, on affiliate websites and through other promotional literature.

Where can I redeem my voucher code?

Voucher codes that have been issued by a Ramsdens store, an affiliate website or by post can usually be redeemed at or in any Ramsdens store but please refer to the terms and conditions of the offer.

To find out where other voucher codes can be redeemed, please refer to the terms and conditions of the offer.

Warranty in relation to Jewellery and Watches

Warranty in relation to Jewellery and Watches purchased online can be found here.

Other important terms

By using the Website you confirm that you are at least 18 years old, or, if you are under 18, that you are accessing the Website with the consent of your parent of guardian. We do not sell products to children, but we do sell children's products for purchase by adults.

Our Travel Money service is only available to customers who are aged 18 or over and who reside in and access the service from the United Kingdom.

We may transfer its rights under these terms and conditions to another business where it reasonably believes the Customer’s rights will not be affected.

If you breach these terms and conditions and we choose to ignore this, we will not be prevented from using our rights and remedies at a later date or in any other situation where you breach these terms and conditions.

We shall not be responsible for any breach of these terms and conditions caused by circumstances beyond our reasonable control.

If you are a consumer, please note that these terms and conditions, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms and conditions, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

If any part of these terms and conditions is found to be invalid by law, the rest of them remain valid and enforceable.

These terms and conditions were last updated on 12th February 2020.



These terms and conditions apply only to the Travel Money Click & Collect service we offer to customers.  These are additional to the general terms and conditions which can be found here. If there is a conflict between these Travel Money Click & Collect terms and conditions and the general terms and conditions, the Travel Money Click & Collect terms and conditions shall be taken to be correct.

1. Minimum Order Values

The minimum order value for all currencies is £50 or the equivalent of in the selected currency when using this service.

2. Maximum Order Values

The maximum order value for Travel Money through the service in a single transaction for any currency is £5,000.

In any 90 day period, you may not order Travel Money through the service which exceeds £10,000.

Currency availability may also be subject to further monetary limits, currency exchange restrictions and to customers complying with all applicable laws and regulations, including those relating to anti-money laundering regulations.

3. Charges and Payment

All orders must be fully paid in pounds sterling (£) at the time of ordering by debit card only.

The amount payable by you to us will be calculated in accordance with the rates available on the Website. The exchange rates quoted by us are subject to change and these may vary from the rates provided in branches owned or operated by us or on our behalf. We will use the exchange rate (as set by us) that appears on the ordering screen at the time we receive your order and we will confirm this rate to you when we confirm your order.

4. Placing an Order

The order must be in the same name as that of the debit card being used to pay for the order and can only be collected by that person. You can place an order up to 4 days in advance of the collection date. The availability and restrictions on collections are can be found here.

5. All Orders

You must provide the information requested by us to allow 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 any regulatory requirements.

We will use various procedures to authenticate each transaction to ensure compliance with regulation and best practice. We may at any time, decline to process your order or any part of your order for any reason, for example if we are unable to secure a supply of the currency you need to the relevant deadline or to comply with laws and regulations. Where we cancel an order we will not charge you.

By placing an order, you confirm that the details contained in the order are correct in all respects. A confirmation screen will be displayed once you have placed your order. This will set out the details of your order and will confirm receipt of your order only. Your order will not be accepted by us until we send you an email confirmation.

6. Collecting Your Travel Money

Orders can be collected by the card holder only from the Ramsdens branch selected during the ordering process. Collection is subject to the opening times of the selected branch. Details for the opening times of the collection location can be obtained on our website using our branch locator.

At the time of collection the cardholder must produce the card used to make the purchase, a print out of the confirmation email or reference number and for identification purposes either:

1. a valid passport; or

2. a valid UK Photographic Driving Licence.

We reserve the right to request further information and identification (such as proof of residential address) in accordance with anti-money laundering legislation and/or our policies from time to time.

The name on the card used to place the order must match that on the identification document(s) used. In order to enable us to comply with our anti-money laundering and/or other legal obligations and our internal risk and fraud policies, we reserve the right to take a copy of the cardholder’s identification document(s) and the card used to make the purchase, at the time of collection.

7. Your Right to Cancel

If you have placed an order for collection, this order can be cancelled at any time prior to collection by emailing:

Where you wish to cancel your order for Travel Money, you can either:

  • be refunded the sum that has been reconverted back into pounds sterling at the 'buy' exchange rate prevailing on the date of cancellation; or
  • be refunded the original pounds sterling value of your purchase, less a £10 fee which goes towards covering the administration costs we will incur in processing your cancellation (and, if necessary, reconversion of money)

In most cases, the second option will be better value for you.

If we process a refund for you, the date the monies reach your bank account is dependent upon your bank processing the refund. This could take between 2 and 10 Working Days.

8. Our Right to Cancel

We reserve the right to cancel the Order at any time and issue a full refund.

9. Failure to Collect

If you fail to collect your order from your selected Ramsdens location within 4 days of the collection date then your order will be marked as “not-collected” and may be cancelled at our sole discretion. Cancelled orders will be converted back into pounds sterling at our ‘buy’ exchange rate prevailing on the date of cancellation.

10. Payment Security

We use secure server software to make our internet transactions secure. All debit card holders are subject to validation checks and authorisation by the card issuer. If the issuer of your payment card refuses to authorise payment your Order will not be accepted.

3D Secure is a payment verification protocol used by major card issuers, branded as 'MasterCard Secure Code' and 'Verified by Visa' to prevent card fraud. Depending on the card issuer, 3D Secure is an opt-out option or a required service for using the card to make internet purchases. Cards registered with 3D Secure require the user to enter a Personal Identification Number, code or password.

3D Secure verifies the card details provided by you. The system is completely automated and we do not store or process any of the data provided by the 3D Secure system.

11. Limitation of Liability

We do not make any representation or give any warranty in respect of the Website or its content. The information services on the Website are intended for use by holiday or business travellers or by individuals or companies seeking to make payments abroad in foreign currencies, and should not be used for speculation or investment. These information services and other content of the Website are not intended to amount to advice on which reliance should be placed. We accept no responsibility or liability arising from any reliance placed on such services by any visitor to the Website or by anyone who may be informed of any of its contents. We use reasonable care and skill in providing the Travel Money service. However, we shall not be liable to you for the following:

any failure by you to provide us with correct information when an order is placed;

any failure on the part of Royal Mail or any other carrier we use to deliver an order on time to the selected branch;

if we are unable to perform any of its obligations to you due to failure of any technical systems or for any other reasons beyond its reasonable control including, without limitation, war, terrorism, government action, natural disaster, and industrial dispute;

any loss of information or unauthorised use of data arising as a result of you using encryption systems below our recommended level (4096 bit RSA Encryption) or

any indirect, or consequential losses, claims or damages suffered by any Customer or incurred from a Customer’s use or delay or inability to use the Website or the Service however caused

Our maximum liability to any you in respect of each use of our Travel Money service for any order shall be to refund the purchase price of that order. The disclaimers and limitations of liability in these Conditions shall not apply to any damages arising from death or personal injury caused by the our negligence or of any of our employees or agents or for fraud.

If any provisions of these terms and conditions, including any disclaimers and limitations, is found to be unlawful or unenforceable then such provisions shall fall away and shall not affect the validity and enforceability of the remaining terms. This does not affect your statutory rights.