There is no need to contact Tesco Bank and inform us that you are going abroad as normal authorisation rules will continue to apply regardless. For more information: Before you go overseas Check your credit card to make sure it doesn’t expire while you’re abroad. Consider setting up a Direct Debit or standing order to cover any payments due while you’re away. Make sure you have our overseas contact telephone number with you (+44 1268 508027). Make sure we have your up-to-date contact details including your mobile telephone number. If your cards are registered with a card protection agency, ensure you have their contact telephone number and policy number with you. Please remember, if you or an additional card holder buys foreign currency and/or travellers cheques with your Tesco Bank credit card, this will be treated as a purchase transaction. When you are overseas Don’t let your card out of your sight, especially when making purchases in restaurants and bars. Don’t give your PIN or Online Banking security details to anyone – even if they claim to be from the police or your card company. Shield your PIN with your free hand when typing it into a keypad in a shop or at a cash machine. When you get back Check your credit card statements carefully for unfamiliar transactions. If there are any, report them to us as soon as possible on 0345 300 4278*. *This number may be included as part of any inclusive call minutes provided by your phone operator.
If you are the primary card holder you can activate your card via the Mobile Banking App, or by calling us on 0345 072 9072* (Minicom 0345 671 0676*). If there are additional card holders on the account then this will also activate their cards. You will be asked to enter your 16 digit credit card number so please have this with you when you call. If you’ve registered for Online Banking you will also need to enter selected digits from your Security Number. *This number may be included as part of any inclusive call minutes provided by your phone operator.
If you obtain cash or a cash substitute using your Tesco Bank Credit Card or your card number, it's called a cash advance. Examples include withdrawal from an ATM, over the counter, gambling and electronic transfers (other than a balance transfer or money transfer). There is a 3% fee on the cash amount you withdraw (minimum charge of £3.00) excluding gambling transactions. For more information on our 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. Please remember that fees apply when using your credit card overseas. 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?
Requesting an increase is easy! You can do this in the comfort of your home by logging into Online banking or our app. Approval of any credit limit increase depends on your circumstances. By requesting a credit limit increase you are authorising us to review your credit history and any other relevant information required to process your request, which will not impact your credit score. Requests should be avoided if: Your credit limit has changed in the last 6 months (increase or decrease) You’ve had your credit card for less than 12 months, however after your June 2017 statement date is issued this changes to 6 months You’re over your current credit limit You have outstanding payments to be made to your credit card Please carefully consider any increase to your credit limit as it may increase the risk of taking on too much debt, which may be costly or take a long time to pay off. Decreasing your credit limit can be done just as easily by logging into Online banking, or by heading to the ‘Account Management’ section in our app. You can decrease you credit limit at any time, and the request will not impact your credit score. The minimum that you will be able to decrease your limit to is £250, or 105% of your current balance.
A money transfer allows you to transfer money to your bank account, while a balance transfer allows you transfer a balance from another credit card. Please note our fees for money transfers and balance transfers may differ.
It’s very simple. You can arrange a money transfer by heading to the ‘Account Management’ section of our mobile app or by logging into online banking. You can borrow up to 95% of your available credit limit and the money will be in your bank account by the end of the next working day.
Yes, subject to a successful credit check, and as long as you have not applied for a Tesco Bank credit card in the last month or have an application currently in progress, you can hold more than one credit card with Tesco Bank.
The interest relates to a Balance Transfer which was carried out before the start of this Annual Statement period. The statement period start and end dates, can be found in the top right hand corner of your Annual Statement.
Yes, you can share the benefits of your credit card by adding an additional cardholder (aged 18 or over). They’ll receive their own card and PIN allowing them to spend on your account. You’ll be responsible for all transactions and charges incurred by your additional cardholder. To request an additional cardholder, simply download and complete our Additional Cardholder Application form (pdf, 496kb) then return it to: Tesco Bank PO Box 27028 Glasgow G2 9FT If you don’t have a card with us yet, you can also request an additional cardholder during the application. You can also request the form through Online Banking, for help with doing so, see ‘Managing your Credit Card’ demo video.
You can use your Tesco Bank Credit Card anywhere that displays the MasterCard or Visa symbol that is shown on your card. You can also use your card to make purchases securely over the internet. If you are going abroad on holiday, your Tesco Bank Credit Card is accepted in over 28 million places worldwide. Please remember that fees apply when using your credit card overseas. For more information on using your Credit Card abroad, you can view the following FAQs: What do I need to know before using my Tesco Credit Card abroad? How much do I pay on cash advances with a Tesco Bank Credit Card?