We’ve got several ways for you to pay your credit card bill, so it’s easy for you to keep up to date. All of this information is contained within the How To Pay section of your monthly statement.
Pay by direct debit You can set up regular payments to your credit card by direct debit, which means you won’t have to organise a manual payment each month. To set this up, you need to have registered for Online Banking . Once you’ve done this, follow these steps:
Log in to Online Banking, click on your account and then select direct debit in the top right hand corner
Follow the steps to choose your payment amount and enter the account details you want the direct debit to be paid from
If you get an email or text before your first direct debit date letting you know your statement is ready, you’ll need to make your first payment by bank transfer or debit card instead. Your direct debit should then be active for your next monthly statement. If you have our Mobile App, you can also set up, manage and cancel your direct debit in the App.
Pay by bank – You can send us a payment directly from your bank.
Log in to Online Banking, click on your account and select 'Make a payment' from the drop down menu.
Select ‘Pay by bank’, read through the terms and conditions then select ‘Next’ and follow the on-screen instructions.
Choose your bank from the list and check all your payment details are correct and then select ‘Confirm’ to continue.
Follow the on-screen instructions to complete your payment request.
Your bank will carry out checks on your account when confirming if the payment can be made.
If you don’t see your bank on the list, you will be able to send a faster payment from your bank account to sort code 40-64-15, account number 31310006 and include your Tesco Bank 16 digit credit card number (without spaces) as the reference so we know it’s your payment. Please allow up to 2 working days for the payment to clear.
Pay by debit card When making debit card payments, please allow a minimum of 2 working days before the due date for the payment to clear. You can make debit card payments via Online Banking and our Mobile App. You will need to add the debit card first and then you can make a payment.
Online Banking To do this, you need to first Log in to Online Banking, click on your account and then select "Manage account" in the top right hand corner.
Select “Make a payment” and then “Make a debit card payment”
To do this via the Mobile App:
Once logged in select the credit card you want to make a payment on.
Then select the menu icon 'Make a payment', and then click 'Pay with debit card' and follow the on screen instructions.
Pay by cheque
Complete and return the Bank Giro Credit Slip from your statement and your cheque to: Tesco, PO Box 1533, Northampton, NN1 9HU
Cheques should be payable to Tesco Credit Cards and should not be post dated
Write your Tesco Credit Card number on the payee line.
Please allow 5-7 days for your payment to reach us by post
It will take another 1-2 business days before the cheque funds are cleared in your account
Sometimes your payments might be declined, this could be because:
Insufficient funds. If there isn't enough available credit or you are over your limit then we may decline your transaction. Please check you have sufficient funds available to cover the transaction.
You could have pending payments available which impact your available balance.
An error with the merchant bank, something which we have no control over. If you have checked your available balance and there is sufficient funds available then you will need to query this with the merchant bank.
If this is an online transaction, please check you have entered your card details correctly. If anything is entered incorrectly then your transaction will be declined.
If you have entered your One Time Access Code (OTAC)incorrectly
If you have not received your OTAC then please log into Online Banking and check we have your up to date mobile number. Please refer to our existing FAQ How do I update my address, email and phone number online? on how to do this if you're unsure.
Occasionally we can decline a transaction as a fraud prevention measure. If we do this we will send you a text asking you to reply. If this is a genuine transaction you will need to confirm this. We recommend allowing 5 minutes after sending your text before processing the transaction again.
You are in arrears and with our Collections team (due to outstanding payment).
If you are still experiencing further issues then you will need to contact Customer Services.
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 need to ensure that you have the additional cardholder’s permission to provide their data and that they’ve been provided with a copy of the Privacy Notice beforehand. This can be found here.
You’ll be responsible for all transactions and charges incurred by your additional cardholder. Please note that it's only possible for the primary account holder to discuss the account with us over the phone.
To request an additional cardholder please follow these steps:
Log in to Online Banking
Click the arrow in the blue box showing your balance
Select additional card holder.
You can also call us on 0345 300 4278 (24/7).
Yes, you can hold up to two Tesco Bank credit cards. You can apply for a second card if you haven't applied for a Tesco Bank credit card within the last month and you don't have an application currently in progress.
You can also transfer limits between cards you hold with us, increasing the limit on one card whilst decreasing the limit on the other card. Please note this is subject to conditions and can only be requested by contacting us.
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.
You can apply online and get a decision for a Tesco Credit Card in under 10 minutes. For security reasons, there is a 10 minute time-out on each new screen of the application.
If the application times out once you have been accepted, but before you have reviewed your Credit Agreement and Terms and Conditions, don't worry, you don't need to re-apply. We will send you a copy of your Agreement and Terms and Conditions in the post for you to sign and return in the free-post envelope provided. If you have provided us with your mobile number, we will send you a text 2 - 4 days after your application was accepted confirming delivery timescales.
You will be charged a late payment fee of £12 if your minimum payment does not reach your account by the due date. Any promotional offer you are currently receiving will also be withdrawn.
Keep track of your payment due date by logging on to the mobile app or by visiting Online Banking. To ensure you never miss a payment, please see our existing FAQ Ways to pay your credit card. You can also set up alerts to remind you when your payment is due. For more information on how to manage your alerts, please see our existing FAQ How do I manage my alerts for my credit card account?
Please note that if you miss a payment this may affect your credit rating, If you are experiencing financial difficulties, please contact us or visit our FAQs.
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 your card is contactless, you can use it for transactions for up to £45 when you see the contactless logo. A new contactless limit of £45 (increased from £30) became available in UK retailers from 1 April 2020. Tesco Bank customers with contactless cards can now use them for payments up to £45 anywhere the limit has been increased. As the change has been introduced quickly, it may take some time before it can be applied everywhere so check the limit with the retailer. Please remember that, if using contactless for the first time, you'll need to have already completed a Chip & PIN transaction on your credit card.
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. To view Mastercard conversion rates, please visit https://www.mastercard.co.uk/en-gb/consumers/get-support/convert-currency.html.
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?
The balance transfer can take up to 3 working days to be completed (from when you activate your card). If you request a balance transfer as part of your application, you'll need to activate your card within 60 days in order for this to be processed.
Whilst the balance transfer is being processed, please continue to make payments to your other card.