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Guide to travelling with cash

How much money can you take abroad.

If you’re travelling abroad from the UK with £10,000 cash or more, you’ll need to declare it with UK customs. You will need to declare €10,000 cash or more if you carry it between Northern Ireland and any non-EU country See footnote 1 1 .

Elsewhere, rules on carrying cash vary from country to country. For example, for countries in the EU, you’ll need to fill in a cash declaration form or declare money at an airport if you’re carrying €10,000 or more but this won’t apply to every European country See footnote 2 2 . Figures vary even more when travelling to countries on other continents with different currencies.

To avoid being issued a fine or having your money seized, it’s always best to check your destination’s local rules in advance.

How much cash can I bring into the UK?

If you’re bringing £10,000 cash or more into the UK, or €10,000 or more into Northern Ireland, you’ll need to declare it with customs See footnote 3 3 .

You’ll need to make a declaration if the total amount of cash your group or family is travelling with exceeds the £10,000 or €10,000 limit, even if individuals are carrying less than that.

You’ll have to give details about:

• who’s carrying the cash
• your journey
• how the cash was generated
• how the cash will be used

Declarations can be made 72 hours before you travel See footnote 4 4 .

Travelling with cash abroad

Follow these five tips to keep your cash safe when abroad:

• Split where you store your money – This is one of the best ways to make sure that if someone steals your cash, they don’t take all of it. Perhaps you could share your money between a group to lower the risk of losing it all from one theft.
• Only carry what you need – By splitting your money and only taking out what you need each day you can minimise the amount of cash you lose if a wallet or purse is misplaced or stolen.
• Consider a money belt – If you really want to keep your cash close, a money belt could be the answer. Wearable wallets are often slim enough to hide under clothing and some models stop would-be thieves from making contactless card payments if your debit and credit cards are stored inside.
• Store your cash securely – Taking time to set a combination and using a hotel or apartment safe can give you peace of mind that your money is stored securely.
• Exchange money with official vendors – It may be tempting to exchange currencies with street vendors offering competitive rates, but your money is always safest with a bureau exchange at a fixed address.

Buy foreign currency for your next holiday with M&S Travel Money .

Updated July 2023

Planning a holiday abroad?

Travelling to Europe or beyond? Check out our handy guide to help make your trip perfect.

Will you need euros?

Find out which countries use the euro and learn more about the currency.

Need some winter sun?

Planning a winter sunshine break? Use our handy guide to help with your holiday planning.

1. Correct at time of publication, see  gov.uk for up-to-date information

2. Correct at time of publication, see  European Commission for up-to-date information

3. Correct at time of publication, see  gov.uk for up-to-date information

4. Correct at time of publication, see  gov.uk for up-to-date information

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Marks & Spencer exchange rates

Today's latest M&S Bank travel money exchange rates, updated 5 minutes ago at 12:40am

Marks and Spencer have 52 currencies in stock and ready to order now. Buy online and collect your order from one of over 450 M&S Bank Bureaux across the UK. Home delivery is not offered for travel money orders, but you can reserve your currency online and collect it from your nearest store on the same day if you order before 4pm. You must buy your currency online to guarantee these rates or you may be given a lower rate in-store.

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• View today's latest M&S Bank rates
• Compare M&S Bank's rates

Travel money order limits and fees

• M&S Bank reviews

M&S Bank travel money rates

These are the latest M&S Bank exchange rates available online right now.

Compare M&S Bank's exchange rates

We compare hundreds of exchange rates from dozens of currency suppliers across the UK. Select a currency below to see how M&S Bank's rates compare against other providers. Bear in mind that exchange rates aren't the only important factor when it comes to getting the best deal; commission, card surcharges and delivery costs can all affect the final amount of currency you'll receive. You can see the full range of currency deals on offer right now on our travel money comparisons .

M&S offer a collection service for travel money with no minimum or maximum order limits, and no commission. Home delivery is not available at this time.

Latest M&S Bank reviews

Our users have rated M&S Bank Average in 60 reviews. Read more on our M&S Bank reviews page.

Vasantha Jennings

Yesterday 26th Oct, I visited your bank to change 500 Aussie dollars for pounds! I handed over my 500 dollars, and to my surprise, I was just kept waiting and waiting while this staff too her own sweet time scanning the notes 1 by 1 under the UV scan [...]

Read the full review

Bought £500 of euros and was encouraged to pay using my m&s credit card in order to obtain the best rate all fine until my credit card statement arrived and me being charged £25 for a non sterling transaction...total rip off ...this was last year a [...]

I have handed over a total of £500 (10x£50 notes wrapped with an elastic band for the purchase Japanese yens ) to a lady at the desk in kingston branch , she put to one side on the desk £100 & inserted the rest in the machine reading £300 . [...]

The euro rate at Marks and Spencer right now is 1.1459. You'll need to buy or reserve your euros online to guarantee this rate; the euro rate offered in your local branch may be lower if you don't order online beforehand.

Marks and Spencer's exchange rates tend to be slightly better than those offered by other high street supermarkets including Sainsbury's and Tesco , but make sure you order your currency online beforehand or you may be given a lower rate in-store.

Unlike it's rivals, M&S does not offer currency for home delivery which means you'll need to collect your order in person from a nearby M&S travel money bureau.

If you want the absolute best exchange rate on the market, better currency deals are still available from other suppliers, especially if you order online. Check out our travel money comparisons to find the best currency deals available right now.

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You are here: Home / Blog / M&S Travel Money: Rates and Bureau de Change

M&S Travel Money: Rates and Bureau de Change

This guide walks through all you need to know about Marks and Spencer (M&S) travel money, including rates, fees and availability. We’ll also cover how the Wise account can help you spend less on travel money, so you enjoy your trip more.

M&S travel money rate

It’s important to know the exchange rate you’ll get for your travel money - but rates can be confusing as they change all the time. Some providers, like M&S also offer different rates depending on the specific service you want. Here’s an example of the M&S euro exchange rate and the rate you’ll get if you’re buying US dollars:

Exchange rates correct at time of research (25th November 2020)

As you can see, you’ll get a better rate if you order in advance using the click & collect service, as long as you’re not looking to use the same day option .

However, you’ll still need to be wary about the rates on offer, and compare them to the mid-market exchange rate to check if they are the best available for your transaction. We’ll take a look at why that is - and a smart way to use Wise (formerly TransferWise) to get more convenient currency exchange for your trip - in just a moment.

Marks and Spencer click and collect

The M&S click and collect service allows you to order currency online and collect it in store at your convenience. You can order euros and US dollars for same day collection, although currencies may take up to 7 working days to be prepared for collection.

If you’re planning on using M&S click and collect it’s important to note :

• You must be aged over 18
• You must be a UK resident
• Only the person who placed the order can collect it - ID will be required
• You’ll need to provide the payment card used when ordering when you collect
• There’s a £10 fee for cancelling an order

Marks and Spencer states there is no fee for having your order prepared through the click and collect service. However, it’s worth noting that the exchange rate you’re offered for the same day service is poor, compared to the normal click and collect rate. In effect this is an additional fee for the convenience of getting your travel money more quickly.

What are the fees for buying travel money with Marks and Spencer

There’s no explicit fee for getting your travel money through M&S. However, that does not mean it’s free .

When you buy foreign currency you always need to look at both the upfront fees or commission charges, and the exchange rates being used. It’s common for banks and currency providers to use an enticing headline offer - such as zero fee exchange, or 0% commission - but include their costs in the exchange rates they use instead. This means you’re still paying a fee - it’s just more difficult to see .

Marks and Spencer offers a different exchange rate for the same day click and collect service, compared to the regular click and collect options. The rate you’ll get for the more convenient same day pick up is not as good as the normal click and collect rate. That’s because an extra charge has been rolled into the rate used to compensate M&S for the extra work of preparing your currency more quickly, and to boost their profits.

To see this in action, compare the different rates offered by M&S travel money against the live mid-market exchange rate for your currency. You may find that both rates vary from the mid-market exchange rate - even the regular click and collect rate. That’s likely to be because a markup has been added.

Exchange rate markups matter because they’re not transparent. If there’s a markup added to the rate used to convert your currency you may be losing out, and paying more fees than you think for your travel money.

Save with Wise when you spend in any currency

The smart way to avoid exchange rate markups is to use low cost currency specialist Wise .

Wise offers customers the real mid-market exchange rate every time, with low, clear and transparent fees.

If you’re planning on travelling abroad, you can get a free online Wise account with a linked Mastercard debit card .

Top up your account in pounds and you can then switch to whichever currency you need, using the mid-market exchange rate. Spend for free all over the world using your card, or withdraw local currency from ATMs wherever you are.

You’ll be able to withdraw up to the currency equivalent of £200 per month with no fee, and a small percentage charge after that. There’s no waiting around for your currency, and you can manage your money from your laptop or mobile device. Simple.

Marks and Spencer travel money products

Let’s take a look at the different options available through M&S travel money.

Click & Collect

You can order from £250 to £2,500 in foreign currency online for collection at a branch of your choosing. You’ll need to pay by card, and take along your payment card and a government issued ID when you collect your money. It’s worth noting that euros and US dollars are available quickly, but some other currencies may take up to 7 working days to prepare.

Same Day click & Collect

If you order before 4pm, you’ll be able to pick up euros or US dollars immediately at your local M&S store. However, the exchange rate you’ll get won’t be as favourable as the regular click and collect rate - it’s set the same as the walk-in exchange rate.

Foreign exchange bureaux

You can buy some foreign currency without needing to order in advance, by simply walking into a M&S store which has an exchange bureau. Over 40 currencies are available, although the amounts and currencies available may vary. For this reason it’s worth calling in advance if you’re looking to buy a lot of travel money or an unusual currency.

Not all Marks and Spencer branches have an exchange bureau, and not all exchange bureaux operate at all times. Look for more information about the branches near you, using the Marks and Spencer online branch finder .

M&S currency buy back

If you end up with extra foreign currency after your trip you can take it back to M&S using their buy back service. You’ll need to keep your original receipt to do this, and can only switch notes in denominations M&S sell. Coins won’t be accepted, although you can donate unwanted foreign coins to charity via the Marks and Spencer exchange bureaux.

M&S currency buy back rate

The exchange rate offered by M&S for currency buy back is not the same as the exchange rate you’ll get for buying currency in the first place. The rate used for buy back will be set by M&S at the time you’re switching your money back and may include markups.

Because the exchange rate will change day by day - and because there’s a chance of markups being added to the rates used for buy back - you may not get back as much as you expect when you convert your unwanted currency back after your holiday.

M&S travel money Bureau de Change

There are over 100 exchange bureaux in Marks and Spencer stores around the UK. However, not all are open all the time, and services available can vary. Check in advance if you’re planning on heading out to an M&S bureau de exchange.

M&S foreign currency London

Different M&S stores offer different travel money services. You’ll find you can collect your travel money from a broad range of stores - including some Simply Food outlets - if you order through click and collect. You’ll be able to choose the best store to collect from when you order, based on your location.

However if you want to walk into a bureau you’ll need to find a Marks and Spencer with an exchange service. At the time of writing, many of the exchange desks are closed due to concerns and restrictions related to the global pandemic. There’s an up to date listing of available services over on the M&S website. Call in advance if you want to check your local store is operating normally.

Does M&S offer a travel money card?

Marks and Spencer does not offer a travel money card at this point. If you want a simple way to top up and spend when you travel, check out the Wise account which comes with a linked debit card you can use just like a travel money card.

No matter where you decide to buy your travel money, make sure you compare the available exchange rates - as well as any upfront fees - against other services to make sure you’re getting the best available deal.

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• Euro 1.1444
• US Dollar 1.2224
• Australian Dollar 1.8419
• Bulgarian Lev 2.1461
• Canadian Dollar 1.6466
• Czech Koruna 27.2795
• Danish Krone 8.2858
• Hungarian Forint 432.7513
• Icelandic Krona 161.0111
• Indonesia Rupiah 18419.0014
• Mexican Peso 19.7083
• New Zealand Dollar 2.0143
• Norwegian Krone 13.1104
• Polish Zloty 4.6966
• South African Rand 22.4749
• Sweden Krona 13.0114
• Swiss Franc 1.1016
• Turkish Lira 37.0108
• Thai Baht 42.9036
• United Arab Emirates Dirham 4.2657

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• Use anywhere Mastercard® prepaid is accepted worldwide.
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• Manage on the go via Hays Travel Currency Card App.

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BUY YOUR HAYS TRAVEL MASTERCARD

The Hays Travel Money Card is the safe and easy way to take your money on holiday!

It is free to use in millions of locations worldwide where Mastercard Prepaid is accepted: including restaurants, bars, and shops when you spend in a currency loaded on the card.

This easy-to-use pre-paid card allows contactless transactions, chip and PIN, worldwide cash withdrawals wherever you see the Mastercard Acceptance Mark, and also 24/7 phone support.

Take your money card with you on every holiday, simply top up and go!

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WHY CHOOSE HAYS TRAVEL?

For your next departure, buy your holiday money from Hays Travel. Always commission free currency with competitive online and high street exchange rates.

• Wide selection of currencies available
• Hundreds of nationwide Hays Travel branches offering on-demand Foreign Exchange; buy from branch to receive high quality customer service from the travel experts or order online for convenient home delivery
• 0% commission when we buy and sell foreign currency

Home Delivery

Ordering currency from the comfort of you own home has never been easier, with our great rates & over 60 currencies to choose from as well as next day delivery why not chose your currency to be delivered to your doorstep? 

Holiday Money to your door

Order before 3pm for next working day home delivery via Royal Mail Special Delivery. *Customer must be home to sign for delivery. Over 60 currencies to select from. Free delivery on all orders £500 and over Convenient Saturday delivery available for no extra charge Minimum order value of £200 up to a maximum of £2500 Peace of mind, your local Hays Travel branch will buy back any leftover currency purchased through Hays Home Delivery commission free

Call Into a Branch

With over 400 branches to choose from arranging your holiday money has never been more convenient – Why not call into branch today where one of our experienced & Friendly Foreign Exchange Consultants will be on hand with our great rates, expert advice & fantastic service. 

Bank on our branches for your Holiday Money

Over 400 branches Nationwide - Use our branch locator to find your nearest Hays Travel branch.

A wide selection of currencies & Hays Travel Money Cards available Instantly in-store

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Nectar members get better rates on travel money*

Our travel money rate sale is now on

Ends 09:30am Thursday 2 May 2024. Only available on foreign currency bought online or by phone. Not available instore, on sterling, or on travel money card home delivery orders and reloads. Sale rates are calculated by reducing our margin on the rates you would otherwise get. Currency fluctuations may cause exchange rates to vary during the sale period.

• Europe - Euro (EUR)
• USA - U.S. Dollar (USD)
• United Arab Emirates - UAE Dirham (AED)
• Australia - Australian Dollar (AUD)
• Canada - Canadian Dollar (CAD)
• New Zealand - New Zealand Dollar (NZD)
• Switzerland - Swiss Franc (CHF)
• Thailand - Thai Baht (THB)
• Aland Islands - Euro (EUR)
• American Samoa - U.S. Dollar (USD)
• Andorra - Euro (EUR)
• Anguilla - East Caribbean Dollar (XCD)
• Antigua and Barbuda - East Caribbean Dollar (XCD)
• Austria - Euro (EUR)
• Bahrain - Bahraini Dinar (BHD)
• Barbados - Barbadian Dollar (BBD)
• Belgium - Euro (EUR)
• Bulgaria - Bulgarian Lev (BGN)
• Chile - Chilean Peso (CLP)
• China - Chinese Renminbi (CNY)
• Cook Islands - New Zealand Dollar (NZD)
• Costa Rica - Costa Rican Colon (CRC)
• Croatia - Euro (EUR)
• Cyprus - Euro (EUR)
• Czech Republic - Czech Koruna (CZK)
• Denmark - Danish Krone (DKK)
• Dominica - East Caribbean Dollar (XCD)
• Dominican Republic - Dominican Peso (DOP)
• Ecuador - U.S. Dollar (USD)
• El Salvador - U.S. Dollar (USD)
• Estonia - Euro (EUR)
• Faroe Islands - Danish Krone (DKK)
• Fiji - Fijian Dollar (FJD)
• Finland - Euro (EUR)
• France - Euro (EUR)
• French Guiana - Euro (EUR)
• French Southern Territories - Euro (EUR)
• Greece - Euro (EUR)
• Greenland - Danish Krone (DKK)
• Grenada - East Caribbean Dollar (XCD)
• Guadeloupe - Euro (EUR)
• Guam - U.S. Dollar (USD)
• Haiti - U.S. Dollar (USD)
• Holy See (Vatican City State) - Euro (EUR)
• Hong Kong - Hong Kong Dollar (HKD)
• Hungary - Hungarian Forint (HUF)
• Iceland - Icelandic Króna (ISK)
• Indonesia - Indonesian Rupiah (IDR)
• Ireland - Euro (EUR)
• Israel - Israeli New Sheqel (ILS)
• Italy - Euro (EUR)
• Jamaica - Jamaican Dollar (JMD)
• Japan - Japanese Yen (JPY)
• Jordan - Jordanian Dinar (JOD)
• Kenya - Kenyan Shilling (KES)
• Kiribati - Australian Dollar (AUD)
• Korea, Republic of - South Korean Won (KRW)
• Kuwait - Kuwaiti Dinar (KWD)
• Liechtenstein - Swiss Franc (CHF)
• Lithuania - Euro (EUR)
• Luxembourg - Euro (EUR)
• Malaysia - Malaysian Ringgit (MYR)
• Malta - Euro (EUR)
• Marshall Islands - U.S. Dollar (USD)
• Martinique - Euro (EUR)
• Mauritius - Mauritian Rupee (MUR)
• Mayotte - Euro (EUR)
• Mexico - Mexican Peso (MXN)
• Micronesia, Federated States of - U.S. Dollar (USD)
• Monaco - Euro (EUR)
• Montenegro - Euro (EUR)
• Montserrat - East Caribbean Dollar (XCD)
• Nauru - Australian Dollar (AUD)
• Netherlands - Euro (EUR)
• Niue - New Zealand Dollar (NZD)
• Norfolk Island - Australian Dollar (AUD)
• Northern Mariana Islands - U.S. Dollar (USD)
• Norway - Norwegian Krone (NOK)
• Oman - Omani Rial (OMR)
• Palau - U.S. Dollar (USD)
• Panama - U.S. Dollar (USD)
• Philippines - Philippine Peso (PHP)
• Pitcairn - New Zealand Dollar (NZD)
• Poland - Polish Zloty (PLN)
• Portugal - Euro (EUR)
• Puerto Rico - U.S. Dollar (USD)
• Qatar - Qatari Riyal (QAR)
• Romania - Romanian Leu (RON)
• Saint Barthélemy - Euro (EUR)
• Saint Kitts and Nevis - East Caribbean Dollar (XCD)
• Saint Lucia - East Caribbean Dollar (XCD)
• Saint Martin (French part) - Euro (EUR)
• Saint Vincent and the Grenadines - East Caribbean Dollar (XCD)
• San Marino - Euro (EUR)
• Saudi Arabia - Saudi Riyal (SAR)
• Singapore - Singapore Dollar (SGD)
• Slovakia - Euro (EUR)
• Slovenia - Euro (EUR)
• South Africa - South African Rand (ZAR)
• Spain - Euro (EUR)
• Sweden - Swedish Krona (SEK)
• Taiwan - New Taiwan Dollar (TWD)
• Timor-Leste - U.S. Dollar (USD)
• Tokelau - New Zealand Dollar (NZD)
• Türkiye - Turkish New Lira (TRY)
• Turks and Caicos Islands - U.S. Dollar (USD)
• Tuvalu - Australian Dollar (AUD)
• Vietnam - Vietnamese Dong (VND)
• Virgin Islands, British - U.S. Dollar (USD)
• Virgin Islands, U.S. - U.S. Dollar (USD)
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Exchange rates may vary depending on whether you buy instore, online or by phone.

^ Travel money cards are available on selected currencies only.

Buy travel money

Buy, exchange money and order foreign currency online, by phone, or at our bureaux.  

How to get travel money with Sainsbury’s Bank

Need holiday money? Order currency online, by phone or visit a Sainsbury’s store with a bureau today. Or get a Sainsbury’s Bank Travel Money Card for easy and secure spending overseas.  

There are various ways to buy travel money with Sainsbury’s Bank. Choose the method that’s easiest for you. 

1.    Buy currency online for home delivery.  2.    Order currency online and collect instore. 4-hour click and collect available. T&Cs apply.  3.    Buy currency via telephone. 4.    Visit one of our bureaux to buy currency in a Sainsbury’s store.  

Buy a prepaid travel money card

Our travel money card makes it safe and easy to manage and spend your holiday money.  1.     Order for collection – Collect your travel money card from your nearest Sainsbury’s Bank bureau. 2.     Order for delivery – We’ll send your travel money card straight to you. 3.     Download the app or log in online  – Check your balance, exchange between currencies, top up and manage your account.  

Where can you get foreign currency with Sainsbury’s?

Get travel money delivered to you.

Order online or by phone and we’ll mail your holiday money to you securely via special delivery. Order more than £400 of foreign currency and get free delivery.  

Collect travel money instore

Visit a store with an instore travel bureau to collect your travel money on your next weekly shop.

In a hurry? You can now order and collect Euros, US Dollars, and Travel Money Card pre-paid orders in as little as 4 hours with our click and collect travel money service^.

Click and collect currency the same day at a Sainsbury’s Bank travel money bureau when you:

• Order Euros, US Dollars, or a Travel Money Card
• Place your order on a Monday to Friday (excluding Bank Holidays), and
• Order at least 4hr before the bureau’s scheduled closure time

For orders made outside of this period, or for any other currency, you will be able to select your preferred collection date when placing your online order.   

Get your travel money card delivered to you

We’ll send your travel money card straight to you, with your PIN arriving separately for security.  

Visit one of our bureaux 

We have stores with instore travel bureaux across the UK where you can pick up holiday money on the day.  

Why use Sainsbury’s Bank for foreign currency

• Wide range of currencies, including USD and EUR We offer over 50 different foreign currencies, so it’s easy to get the holiday money you need.
• Nectar Prices Nectar members get better exchange rates both online, on the phone and at our bureaux. See our Nectar member benefits .*
• Currency buy-back  Got holiday money left over when you get home? We’ll buy back most foreign currency, so you’re not out of pocket. 
• Pick up your travel money in one of our stores Within travel bureaux  across the UK, it’s convenient to pick up holiday money as you shop with Sainsbury’s Bank.
• Multiple ways to order and receive travel money Order online or by telephone, collect instore or receive holiday money by post – the choice is yours.
• 24/7 telephone assistance and online portal   Our team are on hand to help with your travel money card any time of the day or night, no matter where you are in the world. 
• Access to Western Union You can send an international money transfer instore with  Western Union Money Transfer® services .

Choose your foreign currency

From Euro and US Dollar to Swedish Krona and Japanese Yen, we have more than 50 foreign currencies from all over the world. 

Take a look at our most popular currencies.

Add to your travel money card to withdraw and spend on holiday.

US Dollar (USD)

Order by telephone and receive your travel money in the post.

Dirham (AED)

Order online for bureau collection or buy directly instore.

Turkish Lira (TRK)

Buy travel money at one of our bureaux de change.

Thai Baht (THB)

Order currency online and get free delivery over £400.

Canadian Dollar (CAD)

Get a travel money card instore to use on holiday in Canada.

Frequently asked questions

Are there any administration fees.

No, we don't charge any administration fees when you order currency from us.

Will I be charged for using my credit/debit card?

No, we don’t charge any extra when you buy foreign currency by card.

Some card providers may charge a cash advance fee and interest for buying currencies. Cash advance fees will not show on your travel money order, but you’ll be able to see them on your card statement. If you’re not sure, you should check with your card issuer.

There is no cash advance fee when you use a Sainsbury’s Bank Credit Card. No interest will be charged, as long as the full outstanding balance on the credit card is cleared during the current billing cycle. If a balance remains on the account at the end of the billing cycle, interest will be charged and may apply to the currency purchased.

Do I get any benefits for being a Nectar member?

Yes, you do. If you tell us your Nectar card number when you place your order, we’ll give you a better exchange rate*. Not a Nectar member? Sign up today .

When will I receive my home delivery order?

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• International

Trump criminal trial wraps for the day after opening statements and first witness

From CNN's Jeremy Herb, Lauren del Valle and Kara Scannell in the courthouse

Key takeaways from opening statements and the first witness in Trump's hush money trial

From CNN's Jeremy Herb, Lauren del Valle and Kara Scannell

Prosecutors and Trump’s attorneys delivered opening statements and the first witness — a former National Enquirer publisher — was called Monday in the historic and unprecedented criminal trial of a former president.

Each side got their first chance to lay out a theory of the case for jurors. Prosecutors told jurors that the reimbursement of hush money payments made to adult film star Stormy Daniels was part of a larger conspiracy to influence the 2016 presidential election.

The former president’s attorneys responded by telling the jury that Trump was innocent and not involved in the creation of the 34 business records he’s charged with falsifying. They also pointedly added that there’s “nothing wrong with trying to influence an election.”

Here are key takeaways from Monday:

• Prosecutors say Trump schemed "to corrupt the 2016 presidential election": The district attorney’s office framed the case for jurors as illegal payments to try to influence illicitly influence the 2016 election that Trump then tried to illegally cover up by falsifying business records. Prosecutor Matthew Colangelo walked the jury through Trump’s efforts, along with Michael Cohen and former American Media Inc., chief David Pecker, to keep damaging information from coming to light during the 2016 election.
• Defense says Donald Trump is innocent: Defense attorney Todd Blanche began his opening statement with a simple assertion: “Donald Trump is innocent.” Blanche told the jury that the story isn’t as simple as prosecutors laid out and argued that Trump was not involved with any of the business records he’s accused of falsifying beyond signing the checks. Blanche didn’t dispute the paper trail existed, but he argued to the jury there was nothing illegal about signing non-disclosure agreements — or trying to influence an election.
• Tabloid publisher testifies first: Prosecutors called former AMI CEO David Pecker as the first witness in their case against Trump. He testified for less than 30 minutes Monday morning before the trial adjourned for the day. He’s expected to continue testifying Tuesday. Colangelo teed up the former tabloid publisher as a key player in Trump’s “catch and kill” scheme to control the public narrative about him ahead of the 2016 election.
• Gag order hearing will lead off court on Tuesday: Before the trial resumes Tuesday, Judge Juan Merchan is holding a hearing on allegations that Trump violated the judge’s gag order barring discussion of witnesses. The district attorney’s office asked the judge to fine Trump $1,000 for each of several gag order violations leading up to and since the trial started. In addition to the fines, prosecutors want the judge to remind Trump he could be imprisoned if he continues to disobey the order.
• Trump was thinking about the $175 million bond hearing down the street: Meanwhile, other lawyers for Trump were in a courtroom a block away arguing over the legitimacy of the $175 million bond Trump posted to appeal the judgment in his civil fraud trial. Trump, who could not attend the civil hearing because he’s required to attend each day of the criminal trial, railed against Attorney General Letitia James.

Fact check: Trump falsely claims Michael Cohen’s crimes "had nothing to do with me"

From CNN’s Daniel Dale

Speaking to reporters Monday after opening statements in his criminal trial in Manhattan, former President Donald Trump declared that the crimes committed by his former lawyer and fixer Michael Cohen “had nothing to do with me.” 

Cohen is expected to be a key  witness for the prosecution . Trump said: “The things he got in trouble for were things that had nothing to do with me. He got in trouble; he went to jail. This has nothing to do with me. This had to do with the taxicab company that he owned, which is just something he owned – and medallions and borrowing money and a lot of things – but it had nothing to do with me.” 

Facts First:  Trump’s claim that Cohen’s prison sentence “had nothing to do with me” is false. Cohen’s three-year sentence in 2018 was for  multiple crimes , some of which were directly related to Trump. Most notably, Cohen was sentenced for  campaign finance offenses   connected to a hush money scheme  during the 2016 presidential campaign to conceal Trump’s alleged extramarital relationships -- the same hush money scheme that is central to this prosecution against Trump. Cohen was  also sentenced to two months in prison , to run concurrently with the three-year sentence, for  lying to Congress in 2017 in relation to previous talks about the possibility of building a Trump Tower in Moscow, Russia , including about the  extent of Trump’s involvement in the aborted Moscow initiative  and about when in 2016 the discussions ended. (The discussions continued into June 2016, the month after Trump  became the presumptive Republican nominee , and did not conclude in January 2016 before the first votes were cast, as Cohen had claimed.)

Referring to Trump as “Individual-1,” Cohen  said  at the time of his 2018 guilty plea for making false statements to the US Senate Select Committee on Intelligence: “I made these statements to be consistent with Individual-1’s political messaging and out of loyalty to Individual-1.” When Cohen pleaded guilty in 2018 to the campaign finance violations, he  said  he broke the law “in coordination and at the direction of a candidate for federal office,” Trump. 

David Pecker is an important witness in prosecutor's quest to prove criminal intent, legal analyst says

From CNN's Elise Hammond

David Pecker will be back on the stand on Tuesday to continue testimony in the hush money trial against former President Donald Trump. Not only is he the first witness to answer questions from the prosecution, but he is also a critical piece of how the state is trying to prove criminal intent, one former federal prosecutor said.

Criminal intent means that “not just an act happened, but an act happened for a purpose,” said Elliot Williams, a CNN legal analyst. “The defendant did something wrong to carry out some criminal purpose.”

As the then-chairman of American Media Inc., which publishes the National Enquirer, Pecker was involved in numerous “catch-and-kill” schemes he orchestrated on behalf of Trump, and he allegedly helped broker the deal with adult film star Stormy Daniels which is at the center of  the case.

“It’s not just the catch-and-kill payments, but catch-and-kill payments for the purpose of concealing information from voters in the context of an election,” Williams explained, referring to the 2016 presidential election. 

Williams said it’s likely that prosecutors will focus much of their questioning trying to uncover what was discussed in meetings between Pecker and Trump.

The question at the heart of the argument, Williams said, is if the payments were intended to conceal information from voters, “or was it just Donald Trump saying, ‘Well, you know, this is embarrassing to my wife and my kids, I really want to keep this hidden.’”

Read about the stages of Trump's criminal trial — and what they mean 

From CNN's Lauren del Valle, Jhasua Razo and Gillian Roberts

Former President Donald Trump’s first criminal trial is expected to take six to eight weeks from start to finish.

This trial, related to a  hush money payment  to adult film star Stormy Daniels in 2016, is the first of  four ongoing criminal cases  that are expected to head to trial for the presumptive 2024 GOP presidential nominee.

Now that opening statements are done, prosecutors are presenting trial evidence through witness testimony and exhibits. David Pecker, the ex-publisher of the National Enquirer, will resume testimony Tuesday.

Defense attorneys can cross examine the prosecution’s witnesses and typically aim to discredit their testimony. Witnesses’ responses are considered evidence, but not the questions posed by an attorney.

Read more about the stages of the trial, and what they mean here.

Michael Cohen jabs back at Trump's claim that Cohen's crimes have nothing to do with him

From CNN's Laura Dolan

Michael Cohen, who is expected to be a key witness in Donald Trump’s criminal trial, jabbed back at his former boss in response to comments Trump made about him outside the courtroom Monday.

Speaking to reporters in the courtroom hallway after court concluded, Trump said Cohen’s crimes have “nothing to do with me."

“He got in trouble, he went to jail. This has nothing to do with me,” said Trump. “This had to do with the taxicab company that he owned, which is just something he owned — and medallions and borrowing money.”

Shortly after those comments. Cohen posted on social media, “Hey Von ShitzInPantz … your attacks of me stink of desperation. We are all hoping that you take the stand in your defense. 

Cohen, who is Trump’s former attorney, served time in federal prison after pleading guilty to breaking federal campaign laws when he facilitated the $130,000 payment to Stormy Daniels, which is directly linked to the charges against Trump.  As for the taxi medallions that Trump referenced, Cohen was also sentenced for tax evasion related to a taxi medallion enterprise and lying to a bank in relation to a home loan. 

Trump is under a gag order and was ordered by Judge Juan Merchan not to comment about any witnesses in the trial.

CNN's Daniel Dale contributed to this post.

See courtroom sketches from today's Trump trial

No cameras are allowed inside the Manhattan courtroom where Donald Trump's hush money trial is underway, but a sketch artist captured the scene as opening statements unfolded and the first witness took the stand.

Biden builds early advertising edge as Trump spends millions on legal fees

From CNN's David Wright

President Joe Biden and his allies have nearly tripled Donald Trump’s network in ad spending over the last month and a half while the former president has had to devote millions of campaign funds to legal expenses — and sit in a New York courthouse for his hush money trial.

Since March 6, after Super Tuesday when Trump effectively secured the 2024 GOP presidential nomination, through April 21, Biden’s campaign and other Democratic advertisers spent $27.2 million on advertising for the presidential race, while the Trump campaign and GOP advertisers spent about $9.3 million, according to AdImpact data.

Ad spending data (presidential race, March 6 to April 21)

• Democrats: $27,153,293
• Republicans: $9,344,948

During that time, Biden's campaign has spent millions in key battleground states, including $4.1 million in Michigan, $3.9 million in Pennsylvania, and at least $2 million in Arizona, Wisconsin, and Georgia. And the Biden network has used its plentiful airtime to promote the administration’s first-term record and slam Trump, focusing on key issues such as the  cost of living  and  abortion rights .

Meanwhile, Trump’s network has failed to match that effort since he became the presumptive nominee, though a pro-Trump super PAC, MAGA Inc., recently ramped up its advertising, booking over $1 million worth of airtime in Pennsylvania to coincide with Biden’s recent campaign swing through the state last week.

Trump has also benefited over that stretch from a nearly $3 million anti-Biden campaign from outside groups aligned with the oil and gas industries, which have been  running ads  in Pennsylvania, Michigan, and Wisconsin, criticizing California fuel standards  defended  by the Biden administration. But despite some recent signs of activity, Trump’s network has been significantly outspent on the airwaves since his general election matchup with Biden came into focus. And  the latest round of FEC filings  shows how Biden’s fundraising edge is enabling that advertising advantage, as Trump’s ongoing legal battles drain millions from his campaign coffers.  

How we got here: A timeline of the Donald Trump and Stormy Daniels hush money case

From CNN’s Lauren del Valle, Kara Scannell, Annette Choi and Gillian Roberts 

The first criminal trial of a US ex-president is underway in New York, where former President Donald Trump faces charges from the Manhattan District attorney related to a hush money payment to adult film star Stormy Daniels in 2016. 

This is the first of four criminal cases expected to go to trial for Trump, also the presumptive 2024 GOP presidential nominee. CNN compiled a timeline of the key events leading up to the historic trial. 

Here’s how we got here: 

• September 2016: Donald Trump discusses a $150,000 hush money payment understood to be for former Playboy model Karen McDougal with Michael Cohen who secretly records the conversation . McDougal has alleged she had an extramarital affair with Trump beginning in 2006, which he has denied. 
• October 7, 2016: The Washington Post releases an "Access Hollywood" video from 2005 in which Trump uses vulgar language to describe his sexual approach to women with then show host Billy Bush. 
• October 27, 2016: According to prosecutors, Cohen pays Daniels $130,000 to her attorney through a shell company in exchange for her silence about an affair she allegedly had with Trump in 2006. This $130,000 sum is separate from the $150,000 paid to McDougal. Trump has publicly denied having any affairs and has denied making the payments. 
• November 8, 2016: Trump secures the election to become the 45th president of the United States. 
• February 2017: Prosecutors say Cohen meets with Trump in the Oval Office to confirm how he would be reimbursed for the hush money payment Cohen fronted to Daniels. Under the plan, Cohen would send a series of false invoices requesting payment for legal services he performed pursuant to a retainer agreement and receive monthly checks for $35,000 for a total of $420,000 to cover the payment, his taxes and a bonus, prosecutors alleged. Prosecutors also allege there was never a retainer agreement. 
• January 2018: The Wall Street Journal breaks news about the hush money payment Cohen made to Daniels in 2016. 

See the full timeline.  

Trump is also facing charges in 3 other criminal cases

From CNN’s Devan Cole, Amy O'Kruk and Curt Merrill 

The hush money criminal trial against former President Donald Trump is just one of  four criminal cases  he faces while juggling his presidential campaign.

The former president is facing at least  88 charges  over the four criminal indictments in Georgia, New York, Washington, DC, and Florida. Trump has pleaded not guilty to every charge in these cases. 

Here's a recap of each case: 

• Hush money:  Trump was first indicted in March 2023 by the Manhattan district attorney on state charges related to a hush-money payment to an adult film star in 2016. Prosecutors allege Trump was part of an illegal conspiracy to  undermine  the integrity of the 2016 election. Further, they allege he was part of an unlawful plan to suppress negative information, including the $130,000 payment. 
• Classified documents:  Trump was indicted in June 2023 by a federal grand jury in Miami for taking classified national defense documents from the White House after he left office and resisting the government’s attempts to retrieve the materials. The National Archives said in early 2022 that at least 15 boxes of White House records were recovered from the estate, including   some that were classified . The charges were brought by special counsel Jack Smith. 
• Federal election interference:  Smith separately charged the former president last August with four crimes over his efforts to reverse the 2020 election results. The indictment alleges Trump and a co-conspirator "attempted to exploit the violence and chaos at the Capitol by calling lawmakers to convince them ... to delay the certification" of the election. That case is currently on hold as the Supreme Court weighs Trump’s claims of presidential immunity in the matter. 
• Fulton County:  State prosecutors in Georgia brought a similar election subversion case against Trump and others. An Atlanta-based grand jury on August 14, 2023, indicted Trump and 18 others on state charges stemming from their alleged efforts to overturn the former president’s 2020 electoral defeat. A trial date has not yet been set in that case. 

Read more about  the four criminal cases  Trump faces.  

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