For COVID-19 help and support, please see our latest advice and information.
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13-03-20, 11:13JorjaRose_WCOVID-19 (coronavirus) information
15-03-20, 16:55CSKBramblesRe: COVID-19 (coronavirus) information
It is very pleasing and reassuring to see financial services such as Tesco Bank keeping their finger on the pulse, in this increasingly fast moving and challenging pandemic. There is as you have stated a constant need for monitoring, updating and planning, to meet the untold twists and turns ahead. Good luck and very best wishes for dealing with it all, i have every confidence in you !
19-03-20, 21:26susheelnairRe: COVID-19 (coronavirus) information
Shame, no mention of help for existing mortgage customers. Bank of England announced the first rate cut this year on March 11 and yet banks are implementing this effective May on mortgages. Today another cut. Why can't banks expedite the rate cuts at least from April? What is government doing to force banks?
20-03-20, 13:26susan309Re: COVID-19 (coronavirus) information
Can you please tell me why you have not taken my monthly Tesco Clubcard credit card payment via my full payment direct debit. I am retired, money in bank so don't need any deferment for covid 19.
Can you please confirm that if you choose not to take my ddebit payment for this month that I won't be charged/penalised.
See below for email address & contact number.
**sensitive info removed**5 (husband's mobile)
20-03-20, 15:07Az2Re: COVID-19 (coronavirus) information
Please can Tesco tell us and other customers if you will be allowing loan and credit card payment holidays or deferment of payments without penalty or impact on credit files until this Coronavirus issue is sorted, particularly for people who are suffering financially as a result of Covid19 and or reduced income.how do customers go about agreeing or organising this with Tesco Bank?
21-03-20, 08:40ThomasCRe: COVID-19 (coronavirus) information
Hi , I'm sorry to hear this. Please contact our Mortgages team directly and they can discuss this with you, they're available on 0345 217 2050, Mon - Fri: 8am - 9pm and Sat: 9am - 4pm.
, Please send a private message to with your full name, DOB and postcode so we can look into this for you.
We've now added a link to this post in which you can request a payment break if you need it! I hope this helps
21-03-20, 12:17ScooterRe: COVID-19 (coronavirus) information
Looks like you would need to complete the Delay my Payments form on the Tesco Bank website - Can see that you can access this from Your Community Pages. They seem to be allowing 2 months deferment of payments for Loans & Credit Cards where you are affected
24-03-20, 13:22Priyauk1Re: COVID-19 (coronavirus) information
How do I apply for a payment holiday from Tesco looan for next 2 months due Covid 19??
I don't see any application forms ??
24-03-20, 13:36Tesco-BankRe: COVID-19 (coronavirus) information
Hey, you can apply by clicking the link below. Hope this helps - Chris
25-03-20, 09:52kirstypoohbear7Re: COVID-19 (coronavirus) information
Can I get a three month Holloway on my credit card
25-03-20, 19:45RossMRe: COVID-19 (coronavirus) information
Hi , if you follow the instructions on the post/link above it will tell you exactly what to do to arrange this. Hope this helps.
26-03-20, 13:01heanor_man_34Re: COVID-19 (coronavirus) information
Hello KirstyPoohBear, The above form allows for a repayment holiday for two months on mortgages, credit cards and loans with Tesco Bank (which will need to be repaid at a later date). If you need further support I would contact the customer services team at your earliest possible convenience to discuss any concerns/seek advice. Hope that helps.
26-03-20, 18:26filpaRe: COVID-19 (coronavirus) information
It's not clear from the communications from Tesco, or from the FAQs whether fees and interest will not be charged if cc balances are not fully paid off by payment date.
26-03-20, 19:18RossMRe: COVID-19 (coronavirus) information
Hi If you choose to delay your credit card payments, interest will continue to be charged on the balance. However, You can make payments to reduce your credit card balance at any time. I hope this clarifies things.
27-03-20, 17:05JoetomwRe: COVID-19 (coronavirus) information
I'm not directly affected yet but having to work from home. I'm tempted to take a loan holiday for 2 months to put the money aside Incas of emergency and then if it's not needed pay it off the loan or my credit cards in a couple of months ?
27-03-20, 18:31Tesco-BankRe: COVID-19 (coronavirus) information
Hi , the payment holiday is there to help those whose income has been affected by the current situation caused by COVID-19. If your income has not changed as a result of this, you are not eligible for a payment holiday - Alex
29-03-20, 11:50benhale8Re: COVID-19 (coronavirus) information
Hi, I've ended up with £700 credit on my card which I'm now unlikely to use in the foreseeable any way of accessing those funds? Balance transfer to my other card (Amex) was declined, guessing because it's Amex although they previosuly indicated it wouldn't be a problem. Thanks.
29-03-20, 15:36StanadiRe: COVID-19 (coronavirus) information
I have recently applied for payment holiday on my loan and received an email saying that I need to cancel my direct debit to get that done. I am little bit confused. Will that not impact credit file?
29-03-20, 16:04DeanRichieeRe: COVID-19 (coronavirus) information
Received an email today from firstname.lastname@example.org saying
“ Thank you for your COVID-19 payment break form we are working through your request.
Due to current volumes and processing time we recommend you cancel your Direct Debit with your bank to prevent this payment being taken from your account. Please note that your bank will require at least two days’ notice before your payment date to make the cancellation.”
Is this legit or fake as I out my request in a week or so ago!
29-03-20, 17:30ailujRe: COVID-19 (coronavirus) information
We've had the same email and also not sure if it's legit. Our form went in a couple of days ago. Some advice from Tesco Bank would be helpful please?
29-03-20, 18:45Tesco-BankRe: COVID-19 (coronavirus) information
Hi , we can arrange for your credit balance to be refunded but we will need to speak with you to process this. I'm afraid we can't sort this here, as we're for more general information. It would be best to give us a call on 0345 300 4278 (available Mon - Sun: 8am - 7:30pm) and my colleagues will be happy to help.
Please bear in mind that when we process this type of refund sometimes a money transfer fee will be applied in error. If you see this appear via online banking or the mobile app then don’t be alarmed as we'll automatically refund this fee within 7-10 working days. I hope this helps! - Thomas
29-03-20, 18:46Tesco-BankRe: COVID-19 (coronavirus) information
Hi , this is a legitimate email from Tesco Bank.
Cancelling your direct debit will not have an impact on your credit rating during this period. I hope this helps clarify things for you - Thomas
29-03-20, 20:38StanadiRe: COVID-19 (coronavirus) information
I am still little bit concerned about canceling my direct debit as a lot of information online stating that this will impact credit rating/file. Is there any way I can get that done from bank side or request a confirmation email?
30-03-20, 11:17brianp9Re: COVID-19 (coronavirus) information
Applied for the 2 month credit card deferral and received THIS acknowledgement on the 25th March "for Banking customers impacted by Covid-19, there will be no fees, charges or interest" After reading the latest information i discovered interest WILL be charged So i sent the same form off today 30th March to cancel the deferment and received THIS acknowledgment "for Banking customers impacted by Covid-19, there will be no fees for missed payments" I have now cancelled the deferment after a long wait on the telephone, i would like to ask Tesco why this misleading response has been sent to me, would i have been charged interest after receiving the first acknowledgement and how does charging interest actually help - all it does is encourages deeper debt
30-03-20, 11:20brianp9Re: COVID-19 (coronavirus) information
The acknowledgement i received after submitting the pdf request said and i quote for Banking customers impacted by Covid-19, there will be no fees, charges or interest so how does that work ?
30-03-20, 11:22brianp9Re: COVID-19 (coronavirus) information
received the same email i just contacted tesco by phone and cancelled my deferral request - initially they weren't charging interest now they are
30-03-20, 16:06Wheaty47Re: COVID-19 (coronavirus) information
I want to pay my credit card
30-03-20, 17:3425HRe: COVID-19 (coronavirus) information
Good evening Wheaty47, I'm guessing you want to pay your credit card balance. Do you do online banking with the credit card? If so, you could pay your balance by logging in and making a single debit card payment from your bank account for the full or part balance thats on your credit card.If this is not possible you could telephone either number on the reverse of your credit card, either the 0345 number or the overseas number, but if you call the overseas number remove the 44 at the start of the number & replace it with 0.
30-03-20, 18:35brianp9no response
Tesco-Bank Your Community Expert -------------- can i have a response to brianp9 ?
31-03-20, 10:10AlexORe: no response
Hi , our response to the current situation is/has developed to support the needs of those whose income has been affected by COVID-19 to the best of our ability. If you have been directly impacted, we will provide a two month payment holiday. However, interest, unless on a 0% rate, will continue as normal. I'm sorry if the development of our response has caused you any confusion or worry
01-04-20, 06:58PhillipsmwRe: no response
If I apply to skip credit card payments, will it affect any 0% balance transfer offers? Will it be marked as a missed payment for these promotional rate purposes?
01-04-20, 16:35mt2987Re: COVID-19 (coronavirus) information
I've submitted the from. How do I get reassurance that I won't be charged a late fee payment. Will late fee payments be funded? I feel uneasy about not making a payment but have been instructed by text to cancel direct debts. When will I get confirmation that I have the 2 month period?
03-04-20, 06:52KellyTRe: no response
Hi , thanks for getting in touch. If you apply for the 2 month payment break this won't have any impact on any 0% rates on your account.
03-04-20, 10:12DJS16Re: COVID-19 (coronavirus) information
much as I love this idea and appears to be sensible at the moment there are so many people who do NEED to do this -having no option -let them apply and be dealt by the overrun staff first- so maybe consider this in a couple of weeks when rush has died down? Happy to hear you are one of the lucky ones who can continue to work and be paid. Stay safe and stay well.
07-04-20, 11:35TWilliamson_79Re: COVID-19 (coronavirus) information
Dear Sirs, We are experiencing some financial difficulties as a result of a lose of employment during the COVID-19 crisis. We are now claiming Universal Credit but would like to know how we can arrange a payment holiday or reduced payments on our Car Insurance Policy during this interim period. I look forward to hearing from you.
07-04-20, 12:30adeola97Re: COVID-19 (coronavirus) information
I am in the process of completing the payment holiday form for my Tesco loan repayment but I don't remember my loan account number, will this affect my application please?
08-04-20, 07:06Hbirch8872Re: COVID-19 (coronavirus) information
Qick query in regards to the payment. I have applied for a payment break on my loan and was advice to cancel my direct debit which I have now done. I havetoday noe received an email saying I have missed my payment and I need to pay right away but I was advised to cancel the direct debit. So do I need to pay or do I ignore the email as I'm struggling to pay due to Covid-19?
08-04-20, 07:48Lap85Re: COVID-19 (coronavirus) information
Hi I filled the form out a week ago or more but have not received any confirmation and now I’ve received an email from Tesco requesting my money as the instructions you gave was to cancel direct debit but now I’m worried as I’ve received this collection email.
08-04-20, 08:27Tesco-BankRe: COVID-19 (coronavirus) information
Hi , thanks for getting in touch. We will need your account number to process this request.The quickest way to retrieve your account number is by checking the direct debit reference for your loan. The account number is the last 8 digits before the forward slash and the sort code is 40-64-12. This information is also available on your welcome pack and on your statements. If you don't have any of these to hand, I can send a copy of your welcome letter to you in the post. This will take 5-9 working days to arrive and if you would like me to arrange this please let me know. If you need the details before this time, please give our Loans team a call on 0345 600 6016, available Monday to Friday 8am-6pm, Saturday and Sunday 9am-2pm, and they'll be able to confirm this information over the phone – Chris
08-04-20, 11:54martynw89Re: COVID-19 (coronavirus) information
I put my request in a week or 2 ago and have no communication. In the meantime keep receiving texts and emails to say I've missed a payment on both my loan and 2 credit cards. Will this affect my credit file?
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