Holiday cash deals

The buy-back scheme is the latest marketing wheeze being used to attract customers in the increasingly cut throat bureaux de change market.

The offer is to cut out the commission charge when you change back your holiday money or travellers cheques. You may benefit from the absence of the commission but watch out - your saving will depend on the exchange rate used.

Both Thomas Cook and Travelex offer a buy-back service. But you need to buy pounds 100 and pounds 300 of holiday money respectively to qualify.