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Credit Cards

How much do I pay for cash withdrawals and cash transactions on a Tesco Bank Credit Card?

You can use your card to make cash withdrawals at an ATM, over the counter at a bank or from a cash provider. 


You can also use your card to make cash transactions. Examples of cash transactions are gambling transactions (lottery tickets, scratch cards and betting etc), wire or international money transfers, repaying borrowing (e.g. loans and mortgages), purchasing foreign currency outside of Tesco, payments to prepaid or virtual cards, investments, share trading and spread betting.


Depending on the type of transactions, a fee will be applied:

  • Cash withdrawals  3.99% handling fee (minimum charge of £3.00)
  • Cash transactions – 3.99% handling fee (no minimum charge)

For more information on transaction types, your APR and interest rates, please refer to the summary box which can be found on the back of your Credit Card monthly statement or the Terms and conditions that you received with your Tesco Bank Credit Card.


We also confirm all interest on fees on your monthly statement which can be viewed via Online Banking or our Mobile App. If you are unsure if the transaction will be classed as a purchase or a cash transaction, then please check with the retailer or merchant and ask them how they will process the transaction.


For more information on using your Credit Card overseas, you can view the following FAQ:
What do I need to know before using my Credit Card abroad?


Hi there,

I have seen that a payment is due on my credit card, when i first received it, i did phone and said that i need a statement and payment slip through the post each month.  As i will pay for it in my bank with cash.

I havent received anything in the post yet, due i need to worry

Hello @Newbe44

I am very sorry for the delay in replying to you. Have you managed to resolve this? If not please privately message our @CET account with your DOB and postcode. When sending your personal details please ensure you leave a space between each of the characters. If a payment is urgently needed then please call us on 0345 300 4278 (24/7) or make payment via your own bank by transferring to the details listed below.

Sort code: 406415 

Account number: 31310006
Ref: Your 16 digit card number



been trying to get throught to customer services to ask about the interest charge on my account, no luck. Is there any way I can find out why I have been charges 9p for cash advance, I haven't used card abroad or an Atm so am confused. Any help would be appreciated. Thankyou

Hi @Izzynan, I’m sorry you’re having trouble speaking with one of my colleagues. I’m afraid I can’t confirm specific transactions without confirming security on the phone but cash advance interest would be charged for any charity donations or gambling transactions, including tickets for the lottery. I hope this helps!

My Tesco Credit Card app stopped working a couple of weeks ago and recommended that I log-in via internet banking in order to continue using the app in the future. I have just got around to logging in via internet banking at which point I needed to specify that I had forgotten both my security number and password (again recommended by internet banking). I re-entered the answers to my security questions but was advised "Sorry we couldn't complete your request with the details you provided."

All my details are correct i.e. name, DOB, postcode and card number, what can the problem be?


Hi @Carwynsdaddy, I'm sorry to hear that you're having issues whilst logging in online. Please send a private message to our @CET account with your DOB and postcode. When sending your personal details please ensure you leave a space between each of the characters and we'll look to get you back online as soon as we can. 

 Hi , I have submitted a money transfer to my Halifax account , after entering my details and accepting the fee amount etc , the confirmation message says it will be in my account in a few days. The text messages to confirm I requested the transfer have arrived etc. Why will it take so long ,especially with the fees being charged etc.


Hi @Rossclezy, a transfer can take 2-3 working days to clear entirely. This is because it can be quite a large amount of money and we need to complete extra security checks to make sure the funds are actually going to the right place. If you requested the transfer over the weekend then the latest it would show in your Halifax account would be 5PM on Wednesday, it can clear faster than that however! I hope this information clarifies further for you :) 

Daft question of the day - apologies....

I have a cash advance of 2000 on my Credit Card interest free until Sep 19 - 2.99percent fee.

I also use the same card to pay for weekly shopping/petrol. 

Plan is to pay the cash advance back at £200 per month - and obviously pay in full each month my shopping/petrol transactions.

Am I charged any interest?

Do I STOP using my card for normal shopping/petrol?

Any advice/info greatly appreciated.

Hi @dickiemint095, there's no such thing as a daft question! I'd be unable to offer financial advice, but I can say that if you were to use your card as you've laid out in your message, you would pay interest on your purchases. Even though the cash advance/transfer would be covered by the 0% interest period, if the full balance of the account isn't being cleared, then interest would still accrue on the balance of the purchases, as it's only by clearing the balance in full and on time that causes the interest to be waived.


I hope that doesn't sound too confusing, but if you want to know more, call our team on 0345 300 4278, available 24/7, and they can break it down further for you :-)