Anyone wishing to change their money into foreign currency is now spoiled for choice. Whereas as once upon a time you would have had to visit your bank and produce your passport to change your pounds into foreign money, you now can choose from the bank, post office, travel agents or local finance company. And you don’t have to take your passport With so much choice for acquiring your holiday money, there is a burning question: should you use your bank, travel agent, or local finance company to exchange your currency?