About Us

Florida Currency Exchange

At Florida Currency Exchange (FCE), headquartered in Tampa, we are proud to serve as a high-quality provider of currency exchanges with convenient locations in Tampa Bay and surrounding areas, South Florida, and Texas. We buy and sell over 80 different currencies, help travelers find the right currency, and offer the best exchange rates in the area-matching any lower rate within 100 miles! No minimum, no maximum amount.

Travelers come to us to quickly exchange their money for foreign currency before they begin to travel and exchange foreign currency when they return. Companies rely on us to provide services and exchange money at competitive rates. Financial institutions and banks team up with us because of our dependable, convenient, and ethical services. At Florida Currency Exchange you always know what your costs are upfront, there are never any hidden fees, you don’t need an account and we don’t require a minimum on exchanging currency. We keep it simple and convenient.


Why choose us?

One of the strengths of our company is that we can make trades for over 80 currencies, putting American consumers and other visitors to Florida at an advantage when they are in the area. We have helped many travelers find the right currency for their destination abroad. Our business offers the best exchange rates in the area; if you find a lower rate within 100 miles of our locations, we will match it.

Our goal is to provide the best rate possible for the purchase and sale of foreign currency. We know that when you travel, you need to be able to get the most out of your money. That’s why we work hard to find the best exchange rates and offer competitive fees.

If you happen to find a better price (exchange rate plus fee) for the currency you need within 100 miles of our location, we’ll match it. We’re confident that we can offer you the best possible deal, so bring us your proof and we’ll adjust our rate the same day.

We also offer a variety of other services to make your travel experience easier. We can help you with currency exchange, ATM withdrawals, and even travel insurance. So whether you’re planning a trip to Europe, Asia, or South America, we can help you get the most out of your money.

Visit our website or call us today to learn more about our services. We’re here to help you make the most of your travel experience.

No appointment is required! To ensure a quick and easy exchange, please bring a valid U.S. driver’s license or passport.

FCE is proud to offer a free exchange fee for active duty military personnel and local police and firefighters. This is our way of saying thank you for your service and dedication to our country.

To qualify for the exchange fee waiver, you must:

  • Be an active duty military member or a local police officer or firefighter.
  • Present a valid U.S. driver’s license or passport.
  • Be able to show proof of your current duty status or employment.

If you meet all of these criteria, you can simply present your ID and proof of employment at any FCE store to receive your free exchange.

We hope you take advantage of this opportunity to save money on your next exchange. Thank you again for your service!

We are committed to providing our military and first responders with the best possible shopping experience. Thank you for your service!

No Exchange Fee Offer

We are pleased to provide the following groups with a no exchange fee benefit when they present proper identification:

  • U.S. Military personnel
  • Law Enforcement officers
  • Airport employees
  • Taxi cab drivers
  • Limo drivers

At Florida and Texas Currency Exchange, our mission is to provide the best rate possible for the purchase and sale of foreign currency. We offer competitive rates on over 80 different currencies, and we are always willing to match or beat any lower rate you find. If you do find a better retail price within 100 miles, bring it to us and we will adjust our rate!

We understand that traveling abroad can be expensive, so we want to make sure you get the most for your money. That’s why we offer a variety of services to help you save on your currency exchange needs. We can buy and sell foreign currency, and we also offer traveler’s checks and money orders. We also have a team of experienced professionals who can help you choose the right currency for your destination.

Frequently Asked Questions

Yes, we do match local bank currency exchange rates. If you happen to find a better rate and we can verify it, we will adjust our rate to match or beat theirs.

You may place an order for any one or more of the over 80 different currencies that we exchange. Many of the more popular ones we tend to already keep in stock and do not require placing an order for (but if you need a larger amount of any currency it is always recommended that you call ahead to ensure that we either have the amount available or can have it for you prior to your trip). Orders can be placed both in store as well as over the phone for your convenience. + What exchange fees do you charge? The rate for the actual value of the currency can change as much as every second, but at Florida Currency Exchange we only update our rates once in the morning during the week (rates remain the same on the weekends).

As for what determines the rate, there are many factors that affect a currency’s rate both positively and negatively, but it is hard to say exactly which of those factors are doing what; therefore, it is hard to predict exactly what the rate is going to be doing.

We accept cash and pin-based debit cards.

*Debit transactions have an additional $1 fee per swipe.

We have an exchange fee of $2, $3 or $5 depending on the USD value.

We try to make getting your currency as simple and pain-free as possible, but just for safe-measure we do require a deposit for most orders: If order is less than $300 USD then we require a $20 deposit. If order is greater than $300 USD, then we require a $100 deposit. For orders taken over the phone we ask that you provide us with a debit card information.

(Please note that deposits are refunded or applied to the transaction upon pickup of the order. Deposits are NOT an additional cost or fee.)

We have no minimum or maximum amount. But to get technical, the minimum you can purchased would be whatever the smallest current note denomination is, and the maximum would be whatever we have on hand at that given time.

For many years traveler’s checks have been used as an alternative to carry large amounts of cash while traveling; and although traveler’s checks are a considerably secure means of payment while abroad it has become increasingly difficult to use them. It is becoming harder to either cash them out or use them as payment. For one, many banks tend to charge larger fees to cash traveler’s checks making it almost not worth it. Additionally, many foreign vendors simply prefer cash and do not want to have to deal with the hassles of having to cash a traveler’s check to get paid.

(Note: We do not know how traveler’s checks are accepted in every country. This has just been the consensus among the many customers that we have had come back from vacation with traveler’s checks—usually not purchased from us—that they could not use.)

The rate for the actual value of the currency can change as much as every second, but at Florida Currency Exchange we only update our rates once in the morning during the week (rates remain the same on the weekends).

As for what determines the rate, there are many factors that affect a currency’s rate both positively and negatively, but it is hard to say exactly which of those factors are doing what; therefore, it is hard to predict exactly what the rate is going to be doing.

Unlike the local banks that do Currency Exchange, FCE not only beats their rates but keeps the currencies for the most popular destinations on hand in bulk. We have a vast range of currencies which we keep a nominal amount on hand, but if not, we can usually have the exotic currencies the next day unless the order is placed in the evenings or on a Friday as shipments are not sent over the weekend.

Unfortunately, we are unable to process international debit/credit card at any of our locations as our machines only process in US Dollars.

We understand that for larger transactions (especially those above the debit card $5000 limit) you maybe be hesitant in walking around with large amounts of cash and there are times where banks will not have enough funds for large withdrawals. In those cases, we do make exceptions and will accept a cashier’s check as a method of payment. In these instances, we ask that you please give the location of your preference a call to let them know what will be taking place (this also ensures that they can prepare your order in advance and ensure that we have the exact currency and amount that you desire).

Also, if using a Cashier’s check please arrive during normal banking hours as we must call and verify the checks, which we can only do when the bank is open. Although we do prefer cash we understand that each customer is different and try to accommodate them as best as we can.

All Currency and Commodities have a buy and sell. Online and newspaper rates tend to show you one rate–the International Spot Rate–but no one buys or sells at that rate; it is more for use as a guide for you to follow. Just as with any other market, there is a wholesale rate and there is a retail rate in the foreign exchange market. The wholesale rate is the rate of exchange among banks (interbank rate). The retail rate of exchange is slightly different. We maintain competitive retail exchange rates and will offer the best available retail rate. Additionally, foreign currencies are often traded at discounted foreign exchange rates; many web sites will display discounted trade rates or, more commonly, international currency cross rates. The currency cross rate refers to the value of one currency relative to another. Most financial websites will display this rate of exchange.

Yes, Debit/ATM/Credit Cards are secure, but they can end up being a costly means of payment depending on which bank or credit card company you have. Most banks or credit card companies generally charge what is called a conversion fee for every transaction used internationally (fees vary). In addition to your bank card company’s fee, the merchants’ card readers are also going to charge an additional conversion fee to the card each time it is swiped. If used as the primary method of payment, you could be returning home to a larger bill than expected when using cards over cash. Also depending on where you go some people (merchants) prefer cash and some will only take the local currency.

With that, it is best advised that debit/ATM/ credit cards could be a good backup but to keep cash as the primary means for payment while away.

Compliance and Disclosures

Florida Currency Exchange (FCE) diligently maintains compliance with all laws and regulations. FCE’s compliance program uses advanced technology and a thorough review process in order to ensure consistent accountability. FCE has an experienced compliance team that ensures all FCE employees are routinely trained and tested on the latest enhanced compliance concepts. Both internal and external sources are regularly reviewed to ensure FCE’s compliance program upholds our high standards.

FCE is a Money Service Business, registered under FINCEN as well as the Florida Office of Financial Regulation. As a Money Service Business, we are licensed for all activities involving the buying and selling of foreign currency. Additionally, FCE furthers our commitment to flawless operating principles by utilizing an independent external consultant to review our practices.

Customer Confidentiality

We are committed to the confidentiality of our clients’ information. All documentation is securely filed and we do not share or sell personal information.

Florida & Texas Currency Exchange

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