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Yep - they make all their money from people who don't pre-order........

Your Spanish visa will cost more than that soon [emoji23][emoji23][emoji23]. Your £20 is 1-2% of the amount your talking about.....hardly worth the effort of shopping around I would say, though, that @PPF's Gatwick suggestion will guarantee you the worst rate anywhere.

Yep, agreed. A few quid either way not worth stressing about. I tend to just take a bit of cash to start with (usually have some kicking around at home) and then use ATMs locally.