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Use of the website

This website is owned and operated by H&T Pawnbrokers ("we," "us" or "our").

Company registration number 02636684; we are registered in England and Wales;

Registered office: Times House, Throwley Way, Sutton, Surrey, SM1 4AF.

Authorised and regulated by the Financial Conduct Authority for consumer credit. Our Firm Reference Number is 677994 and we can be found on the Financial Services Register.

VAT number 840 14 89 39.

By accessing this website and/or requesting a valuation and/ or placing an order and/or requesting a delivery you agree to be bound by the Terms and Conditions set out below. If you do not agree to be bound by these Terms and Conditions you may not use or access this website.

References to this website in these terms and conditions apply to this website however you access it, including accessing this website through our mobile applications or a version of this website optimised for use on mobile devices.  Whenever you access this website through a mobile application or mobile-optimised version of this website, the section of these Terms and Conditions entitled "Mobile Access" also applies.

Any questions regarding these Terms and Conditions or subsequent issues should be directed to:

H&T Customer Service

Telephone: 0870 9022 600

Identity of supplier

Unless stated to the contrary on this website, the goods and services supplied in accordance with any contract made though this website are supplied by H&T Pawnbrokers


Orders/delivery requests placed by using this website, along with access to it, is granted strictly in accordance with these Terms and Conditions.

Please read these Terms and Conditions carefully and print and keep a copy of them for your reference.

These Terms and Conditions apply to your order/delivery request. We may change our Terms and Conditions at any time, so please do not assume that the same terms will apply to future orders/delivery requests. We reserve the right to:

  • Modify or withdraw, temporarily or permanently, this website (or any part thereof) with or without notice to you and you confirm that we shall not be liable to you or any third party for any modification to or withdrawal of the website.
  • Change the Terms and Conditions from time to time, and your continued use of the website (or any part thereof) following such change shall be deemed to be your acceptance of such change. It is your responsibility to check regularly to determine whether the Conditions have been changed. If you do not agree to any change to the Conditions then you must immediately stop using the website.

H&T has taken every care in the preparation of the content of this website. However, to the extent permitted by applicable law, H&T does not represent or warrant the accuracy or reliability of any of the information or content about any goods or services, software or advertisements (together, the "Materials") contained on, distributed through, or linked, downloaded or accessed from this website.

Customers will be required to register to use certain services available from this website. H&T may decline a registration request at its sole discretion. By registering for the services, customers agree to these Terms and Conditions and agree that:

  • The personal information that you are required to provide when you register as a customer is true, accurate, current and complete in all respects.
  • You will notify us immediately of any changes to the personal information by updating your details on the 'My Details' page on the website or by contacting Customer Services.
  • You agree not to impersonate any other person or entity or to use a false name or a name that you are not authorised to use.

Products and services provided via this website are available only to customers aged over 18. By registering your details and/or submitting an enquiry you confirm that you are over 18 years of age.

To the fullest extent permitted by applicable laws, H&T hereby excludes liability for any claims, losses, demands, or damages of any kind whatsoever with respect to the website or the Materials including, without limitation, direct, indirect, incidental, or consequential losses, or damages, whether arising from loss of profits, loss of revenue, loss of data, loss of use or otherwise and whether or not the possibility of such loss has been notified to H&T Pawnbrokers. The foregoing will apply whether such claims, loss or damages arise in tort, contract, negligence, under statute or otherwise. However, if you are a consumer your statutory rights are not affected.


Certain links in this website may lead to websites which are not under the control of H&T. When any of these links are activated you will leave the H&Ts’ website and H&T will have no control over and will not accept responsibility, or liability, for any material or service contained on any website which is not under the control of us nor does the existence of such links represent any endorsement or other acceptance of responsibility or liability by us for any goods or services provided or available on such sites. Our linking policy is detailed in Section 5 of these Terms and Conditions.

H&T makes no representations, or warranties, in respect of any endeavour by it to review the content of websites to which it provides links or anywhere else in the Service, or any of the Materials and accordingly H&T accepts no responsibility whatsoever for the accuracy, copyright compliance, legality or decency of any information, material or other content contained in websites listed on the Service or in any Materials nor warrants nor endorses any advertising of third parties carried on the Service nor through the provision of links to that carried on other websites.

If any provision of these disclaimers and exclusions shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

Nothing in these Terms and Conditions will reduce your statutory rights relating to faulty or misdescribed goods. For further information about your statutory rights contact your local authority, Trading Standards Department or Citizens Advice Bureau.

Contract Creation and Electronic Contracting

The technical steps required to create the contract between you and us are as follows:

  • You place the order/application for your products on this website by pressing the complete checkout/apply button at the end of the process. You will be guided through the process of finalising your transaction via this website.
  • We will send to you an acknowledgement email detailing the products you have ordered or applied for.
  • Order acceptance and the completion of the contract between you and us will take place on the despatch to you of the Products ordered unless we have notified you that we do not accept your order or you have cancelled it in accordance with the instructions below.

Non-acceptance of an order/application may be a result of one of the following:

  • The product you ordered is not available from stock.
  • We were unable to verify the information you supplied to us.
  • We are unable to obtain authorisation for your payment.
  • A price or product description error is identified.  
  • You do not meet the eligibility to order criteria set out in the main Terms and Conditions.

The contract will be concluded in English.

Privacy Policy

Your privacy is very important to us, that’s why we will never release your personal details to any company outside of H&T for mailing or marketing purposes. We will treat all your personal information as confidential (although we reserve the right to disclose this information in the circumstances set out below). We will keep your details on a secure server and we will fully comply with all applicable UK Data Protection and consumer legislation in place from time to time.

We would like to keep you up to date with a range of products and services provided by H&T, which includes H&T Financial Services, Foreign Exchange services and jewellery and watch sales. This includes news of special events, promotions, product launches and relevant news about products you have bought from us. We are constantly looking for ways to improve our service, we may therefore occasionally contact you for research purposes. We may contact you by post, telephone, SMS text messaging and/or email.

Please note that you do not have to provide any information to use this website, but if you do choose to withhold essential data you will not be able to access certain sections or facilities within the site. If you do not wish to be sent further information but wish to make full use of this site, please click the relevant box indicating this wish during registration.

You have the right to request a copy of any information we hold on you at any time, and to have that information corrected if it is inaccurate. If you wish to view any information you have submitted, please contact The Data Protection Manager, Times House, Throwley Way, Sutton, Surrey, SM1 4AF. Nothing in these Terms and Conditions affects your rights under the Data Protection Act 1998.

When you make an enquiry or shop on this website, we will ask you to input and will collect personal information from you such as your name, email address, billing address, delivery address, telephone number, product selections, credit card, or other payment information, photographs, and a password. We may also collect, information about where you are on the internet (e.g. the URL you came from, IP address, domain types like and .com), your browser type, the country and telephone area code where your computer is located, the pages of our website that were viewed during your visit, the advertisements you clicked on, and any search terms that you entered on our website ("User Information"). We may collect this information even if you do not register with us.

You should be aware that this site is being monitored and may capture information about your visit that will help us improve the quality of our service.

We confirm that any personal information that you provide to us (or which is available on public registers) and any user information from which we can identify you, is held in accordance with the registration we have with the Data Commissioner's Office. We use your information only for the following purposes:

  • To process your order/application or respond to your enquiry
  • For statistical purposes to improve this website and the service we offer
  • To provide you with website content and advertisements
  • To administer this website
  • If you consent, to notify you of products or special offers that may be of interest to you

You agree that you do not object to us contacting you for any of the above purposes whether by telephone, email or in writing and you confirm that you do not and will not consider any of the above as being a breach of any of your rights under the Privacy and Electronic Communications (EC Directive) Regulations 2003.

We do not share your personal information with any outside company or agency unless we are required to do so by law and in order to fulfil satisfy your enquiry or application. However, you should be aware that if we are requested by the police or any other regulatory or government authority investigating suspected illegal activities to provide your personal information and /or user information we are entitled do so.

We keep a record of your purchases with us, which means we can create lists of your favourite items to make your shopping experience quicker and more convenient. It also means we can deal a lot quicker with any problems you may experience with your order.


As a responsible lender, H&T has a legal obligation to take steps to ensure that our customers are creditworthy.


We use a variety of methods to try to make sure that we do not lend money to people who are in financial difficulty. One of these is to carry out a credit reference check. In order to do this, we shall pass the personal data that you provide to us in your loan application to one or more credit reference agencies (CRA) called TransUnion or Perfect Data Solutions Limited which trades as Lending Metrics. The CRAs provide us with data about a customer's credit history and borrowing habits.


You can contact Lending Metrics at Lancaster Court, 8 Barnes Wallis Road, Fareham, Hampshire, PO15 5TU in writing to request the information that they hold about you (please note, a small statutory fee may be payable).


You can contact TransUnion at Park Lane, Leeds, LS3 1EP in writing to request the information that they hold about you (please note, a small statutory fee may be payable).


Important - Your Personal Information

Credit decisions and also the prevention of fraud and money laundering

We may use credit reference and fraud prevention agencies to help us make decisions. What we do and how both we and credit reference and fraud prevention agencies will use your information is detailed in the section called:

A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies.

By confirming your agreement to proceed you are accepting that we may each use your information in this way.


A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies

1. When you apply to us to open an account, this organisation will check the following records about you and others (see 2 below)

    i. Our own database;

    ii. Those at credit reference agencies (CRAs).  When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information.

    iii. Those at fraud prevention agencies (FPAs).


We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your account with us.


Equifax Ltd Perfect Data Solutions Limited TransUnion
Customer Service Centre (trading as LendingMetrics)  
PO Box 10036 Lancaster Court Park Lane
Leicester 8 Barnes Wallis Road Leeds
LE3 4FS Fareham, PO15 5TU LS3 1EP


2. If you are making a joint application or tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

3. Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs.  If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.

4. If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.

5. If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts.

6. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.


How to find out more

This is a condensed version and if you would like to read the full details of how your data may be used please visit our website at or phone 0151 523 2391 or ask one of our staff.

You can contact Lending Metrics at Lancaster Court, 8 Barnes Wallis Road, Fareham, Hampshire, PO15 5TU in writing to request the information that they hold about you (please note, a small statutory fee may be payable).

You can contact TransUnion at Park Lane, Leeds, LS3 1EP in writing to request the information that they hold about you (please note, a small statutory fee may be payable).

By ticking the tick box to confirm that you have read and accept the H&T Privacy Policy, you give your consent to your personal data being used in this way.

Fraud Prevention and Detection


  1. Before we provide services, goods or financing to you, we undertake checks for the purposes of preventing fraud and money laundering, and to verify your identity. These checks require us to process personal data about you.
  2. The personal data you have provided, we have collected from you, or we have received from third parties will be used to prevent fraud and money laundering, and to verify your identity.
  3. Details of the personal information that will be processed include, for example: name, address, date of birth, contact details, financial information, employment details, device identifiers including IP address and vehicle details. 
  4. We and fraud prevention agencies may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime.
  5. We process your personal data on the basis that we have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect our business and to comply with laws that apply to us. Such processing is also a contractual requirement of the services or financing you have requested. 
  6. Fraud prevention agencies can hold your personal data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years.

Consequences of Processing

  1. If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services or financing you have requested, or to employ you, or we may stop providing existing services to you.  
  2. A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us on the details above.  

Data Transfers

  1. Whenever fraud prevention agencies transfer your personal data outside of the European Economic Area, they impose contractual obligations on the recipients of that data to protect your personal data to the standard required in the European Economic Area. They may also require the recipient to subscribe to ‘international frameworks’ intended to enable secure data sharing. 

Your Rights

  1. Your personal data is protected by legal rights, which include your rights to object to our processing of your personal data; request that your personal data is erased or corrected; request access to your personal data. 
  2. For more information or to exercise your data protection rights, please contact us using the contact details above. 
  3. You also have a right to complain to the Information Commissioner’s Office which regulates the processing of personal data.


Cookies are small bits of text that your web browser software stores on your computer when you visit some websites. H&T Pawnbrokers uses cookies to make it easier to use our site and to allow us to improve the service to you, our customer. A cookie generated by or allows us, for example, to retrieve your current shopping basket, to recognise you when you visit and to help you navigate around our website/s.

Our cookies do not collect sensitive information such as your name, address or financial details. The cookie simply holds the "key" that, once you've signed in, is associated with this information.

Because we rely on cookies to make the shopping experience easier and more tailored to your needs, your browser must be set to accept cookies before you can place an order with us. (You can change the cookie setting in your browser's preferences, usually found in the Edit menu.)

Online Transactions

Delivery/collection restrictions

Delivery for all services may be restricted in certain areas, please contact us for further information.

Collection for orders placed via is available from selected stores.

We reserve the right to restrict deliveries in certain areas. This includes the right to withdraw our services to individual customers' addresses.


Delivery and collection arrangements

Deliveries and collection times vary by area. All orders from will be sent within three working days by Royal Mail Special Delivery service.

All deliveries must be signed for at the delivery address (or upon collection), by you, or by your nominated representative who must be aged 18 or above. Under no circumstances will goods be left unattended, for example in a garage, or with anybody below the age of 18.

In the event that there is no one available to accept and sign for your delivery, a card will be left by the courier with instructions on what to do next.


General payment provisions

Any of the following cards may be used to pay Visa Debit (Delta), Maestro UK, MasterCard, Visa Credit.

All customers collecting their purchase, whether the registered customer or a third party, will be asked to provide a form of identification for the person who paid for the item. The identification must match the cardholder name shown in the payment details on the checkout page. The card itself will not be required.


Payment Security Policy

H& and are run by H&T.  We are a company that our customers trust, both on the high street and online.  We understand your concerns with security and your peace of mind and safety are of the utmost importance to us.

As a result, we have developed highly secure online facilities.  This is specifically intended to give you confidence when you use your credit or debit card to make payments or to shop with us and when you tell us your personal details, such as your address or phone number.


Credit Card safety

The H&T and Est1897 websites use Secure Sockets Layer (SSL) technology to encrypt your details as they are being transmitted to us.  This prevents anyone from eavesdropping on your transactions with us and keeps your card and personal details private.

We allow you the option to store your card details with us, so that you can order from us again without needing to type your details in.  We only ever show you the last four digits of your card number on our public internet site and of course, this information is 'for your eyes only'.

If you do not wish to store your card details with us, you can enter these each time you carry out a payment or order.

Your payment details are held in a secure encrypted server which is not accessible from the Internet.  Access to this data is also secured internally within H&T and all card numbers are encrypted using a highly secure system that financial and banking institutions rely on, called Triple DES (Data Encryption Standard).  This is widely acknowledged as being a very secure way to protect your data.

Once your order is processed, the payment details associated with your order are removed from our files.


Verified by Visa and MasterCard® SecureCode™

To give you even more confidence in transacting online with H&T and Est1897, we have introduced Verified by Visa and Mastercard® SecureCode™. These services enhance your existing card account security against unauthorised use when you shop with us.

To use this service, you must first register with the bank or other organisation that issued your card. To find out more about these services:

Visit the Verified by Visa website (Link opens in a new window)

Visit the MasterCard® SecureCode™ website (Link opens in a new window)

Once you've registered and created your own private password with your bank, you will be automatically prompted at checkout to provide this password each time you make a purchase online.


General Pricing Policy

VAT will be applied to all applicable products.


Cancellation Rights – Loan & Buyback Products

The details of cancellation rights will be supplied to you on application of a consumer credit agreement.


Returns Policy

We want you to be happy with your purchase. If you're not, please return the product to the shop where you purchased it within 28 days.

Vintage/Antique/Secondhand jewellery and watches are sold as seen and as such may show signs of wear and tear. This is to be expected for items of this nature.

Please note that your right to return retail products does not apply to goods made to your specification, that have been personalised on your behalf or which have in anyway been altered at your request.

If you wish to return retail items to us, they must be in the same condition that they were bought and have all accompanying packaging, guarantees and certification. Along with the original purchase receipt.


Est1897 guarantees and returns

Customers are covered by our quality guarantee on every product. Should the customer not be entirely satisfied, Est1897 will refund and replace any item subject to due compliance by the customer with these Terms and Conditions. Please contact the Customer Service team with any queries.

Nothing in these Terms and Conditions will reduce your statutory rights relating to faulty or misdescribed goods. For further information about your statutory rights contact your local authority, Trading Standards Department or Citizens Advice Bureau.


Click and collect - FX

If you placed an order for collection at a H&T Store, this order can be cancelled at any time prior to collection by calling us using the telephone number found on the contact us page on Cancelled orders will be refunded at the full Sterling amount that you paid for your Travel Money. If you have placed an order for collection and you fail to collect your order from the nominated H&T store within 7 days of the collection time given to you then your order will be marked as uncollected and your order will be cancelled. The full Sterling amount that you paid for the Travel Money will be refunded to the card you used to place your order. If, after your order is cancelled you still want to purchase Travel Money from us, you will need to re-submit an order.

Personal Loans



Applications for a Personal Loan can only be accepted from people who

  • are over 18 years of age and
  • have a stable income
  • are a permanent resident in the UK and
  • have a bank account that accepts direct debits and faster payments
  • agree to a credit check (link to credit check bureau information) being carried out
  • agree to make repayments by Direct Debit on their pay days

Interest Rates

Interest rates can vary between store and online applications and can be affected by a number of factors including, repayment period and the results of credit checks. Please talk to one of our advisers for full details.

Credit Checks

We carry out a credit check to help us ensure that any loan we provide is affordable for you. In addition to this information we will talk with you directly to help us determine that you are able to afford to repay the loan for the duration of the proposed term.

The Credit Reference Agency we use is TransUnion Limited (registration number 03961870) with registered office at One Park Lane, Leeds, West Yorkshire, LS3 1EP.

Mobile Access

This section of the Terms and Conditions applies (in addition to the remaining Terms and Conditions) when you access this website using a mobile application or a version of this website optimised for use on mobile devices (the "Mobile Access Channel").If you do not agree to be bound by any of these Terms and Conditions, you may not use or access the Mobile Access Channel and should, if applicable, delete any mobile application used to access the Mobile Access Channel.

The Mobile Access Channel is data intensive.  You are responsible for any carrier or other data charges incurred when using it, and we will be liable for any charges you incur.  We recommend you check with your network provider if you are unsure of the charges that may apply.

The Mobile Access Channel will use your device's cellular and/or Wi-Fi connection to synchronise content.

As we have no control over your device's network connection, we cannot represent or warrant that any information (including prices, product availability, and store information) is correct or up to date. In the event of a discrepancy, content and prices published on the main website/s will take precedence.  Prices shown on the Mobile Access Channel may also differ from those shown in H&T stores.

By using the Mobile Access Channel to locate an H&T or Est1897 store in your vicinity, you consent to H&T collecting location data from your mobile device solely for the purposes of providing you with details of your closest store.  H&T Waitrose uses this location data anonymously and will not use it for any other purpose.

The Mobile Access Channel is only intended for use by users located in the United Kingdom [and the Channel Islands].  Users accessing the Mobile Access Channel from outside [these jurisdictions][the UK] are responsible for confirming the legality of doing so under local law.


You must be aged 18 years or over to participate in any of the promotions that we operate. Underage entries will automatically be voided.

Fraudulent, multiple or incorrectly completed applications will not be accepted, neither will applications made in breach or non-compliance with these terms and conditions.

H&T reserves the right to exclude any applicant from competitions, promotions, events if we believe that an applicant has tried to engage in the promotion via fraudulent or illegal activity (including participation that would be in breach of the law).

H&T in its sole discretion reserves the right to withdraw or vary the terms of competitions and promotions and/or any offer made in connection with them in order to comply with the decision of any relevant judicial or regulatory body and shall not be held liable to any applicant for so doing.

The decision of H&T in respect of any matter concerning or related to competitions and promotions is final and no correspondence will be entered into.

H&T accepts no responsibility whatsoever for system damage or connection problems that might affect any end user during any of these promotions.

H&T and its affiliates and subsidiaries, or any of their employees, officers or directors shall not be liable for any damages howsoever arising as a result of a participant's in an event or any such modification, alteration, discontinuance or termination of any offer or promotion, and any such liability shall be borne solely and exclusively by the participant or winner, as the case may be.

You agree that these terms and conditions shall be governed by and construed in accordance with the laws of England and Wales and you submit to the exclusive jurisdiction of the Courts of England.

Watch Guarantee Terms & Conditions

Watches have been authenticated by our accredited horologist. The watch movement is covered under this Guarantee, however this does not apply to any inappropriate damage caused by mistreatment of the watch or normal wear and tear.

The guarantee does not cover damage to bezels, bracelets/leather straps, cases, crystals/glasses, or damage arising from use in water. The Guarantee does not cover accidental damage or loss and is not transferable. Unless otherwise stated Diamond Dials/Bezels are custom made. This guarantee is issued in addition to and not in substitution for your statutory rights relating to faulty or mis-described goods.

Diamond and Gemstone Terms & Conditions

All dimensions and estimated weights of diamonds and gemstones have been determined without unsetting the stones and are, therefore, only approximate because of limitations imposed by the mount. Estimated weights are normally calculated by applying standard formulae to the measurements taken.

Diamond colour and clarity assessments are an opinion only, and both colour and clarity can be estimated only because of limitations imposed by the mount. The quality nomenclature used is that recommended by the GIA (The Gemological Institute of America). Gemmological descriptions of diamonds and gemstones, including disclosure of treatments, are based on testing carried out by standard gemmological equipment without unsetting the stones.

Whilst H&T is reasonably satisfied that all such descriptions are correct, no responsibility can be assumed if subsequent unsetting and testing disproves these opinions. In the event of serious doubt, it is recommended that independent testing is undertaken by a recognised gemmological laboratory.


These terms & conditions refer to the competition draw for the customer survey.

1. The Promoter is: Harvey & Thompson Limited (company no.02636684) whose registered office is at Times House, Throwley Way, Sutton, Surrey SM1 4AF.

2. The competition is open to residents of the United Kingdom aged 18 years or over except employees of the Promotor and their close relatives and anyone otherwise connected with the organisation.

3. There is no entry fee to enter this competition.

4. By responding to this survey an entrant will be automatically entered into this competition draw and is indicating his/her agreement to be bound by these terms and conditions.

5. Only one entry will be accepted per person. Multiple entries from the same person will be disqualified.

6.  Prizes will be drawn each month, customers must enter the competition within 28 days of receiving the survey.

7. One winner will be drawn at random on first working day of every month and notified in writing or by phone within 28 days of the draw taking place.

8. If the winner cannot be contacted or does not claim the prize within one calendar month, we reserve the right to withdraw the prize from the winner and pick a replacement winner.

9. The Promoter will notify the winner when and where the prize can be collected / will be delivered.

10. The winner agrees to the use of his/her name and image in any publicity material. Any personal data relating to the winner or any other entrants will be used solely in accordance with current UK data protection legislation and will not be disclosed to a third party without the entrant’s prior consent.

11. The Promoter also reserves the right to cancel the competition if circumstances arise outside of its control.

We will beat any local rate

  • We will beat the exchange rate of any local competitor within 3 miles of your local H&T.  Just provide a written quotation and confirm the name and location of the other provider, the currency, exchange rate, and time and date rate the offer was made.
  • The offer is only available in-store when you purchase foreign currency and must be redeemed on the same day as seeing the competitor exchange rate, before your transaction is completed. Online rates are excluded
  • The distance is measured using Google Maps and our decision is final.
  • Only applies to ‘like for like’ transactions under standard exchange rates, where you are exchanging currency for personal use. Cannot be used with any other offer or staff rate.