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Airmiles are no longer the reward currency for frequent travellers and was replaced with Avios points. To find out more on how to exchange your Tesco Clubcard points for Avios points and for full terms and conditions, please click here for full details   For additional information on the Avios programme visit their website.  
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Yes. Once you have submitted your online application you will be told if your application has been declined, referred or accepted. You will be given the decision in less than 60 seconds. Where your application is declined and you applied online, we will tell you why alongside the decision. If completed over the phone, one of our colleagues will be able to discuss this with you. Where your application is referred we may need to contact you to request additional information from you to help us to complete the application process.
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As long as there is activity on your account you will receive a statement once every month. We also send an annual statement in your anniversary month. You can view your last 18 months worth of statements online by registering for Online Banking. With this option you’ll be able to view and print your online statement whenever you want and we’ll email you each month to tell you when your online statement is ready to view. Your Tesco Credit Card statement will show your account balance and a date by which you will need to make a minimum repayment. Register for Online Banking If you'd like some help getting started you can view our Registration demo which shows you a step-by-step guide of how to register. Why not also reduce the clutter you receive through the letter box by turning off paper statements? It’s easy to do in Online Banking. Just log in, select 'Manage your account' from your Credit Card Overview page and choose 'Statement Options'. You can also view your monthly and annual statements over the last 20 months via the Mobile App.
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 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. 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.
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Our Premium Credit Card customers pay an annual fee. For more information on this fee, please refer to your credit agreement.
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If you are registered for Online Banking you’ll automatically receive the following alerts: Account alerts - We'll send you an alert when you update your details such as address or mobile phone number, and to confirm any actions or preference changes on your account such switching off receiving paper statements. If you receive an alert and you didn't update or make any changes, please call us immediately on 0345 300 4278* (or minicom 0345 671 0676*). Our lines are open 24 hours a day, seven days a week and calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator. Statement alerts - We'll send you an email alert when your new monthly statement is ready for you to view in Online Banking or within the Mobile App. You can also set up and manage the following alerts in Online Banking and can select to receive them by email, text message or both: Balance alerts - Receive an alert when your account goes above or below an amount that you’ve set up. Going over your credit limit - Receive an alert to let you know when you’re reaching or have gone over your credit limit. Payment due - Set up a reminder to receive an alert before your payment is due. You can choose how many days before your payment you’d like to receive email or text message alert. Personal alerts - You can set up to two personal alerts by choosing how and when you’d like to receive them, and the message you would like to receive. Fraud alerts - We'll send you an alert if we notice suspicious activity on your account. To receive alerts by text message, you’ll need to set up a text message password. This text message password is different from your Online Banking password and will be displayed at the start of your alerts so you know that the alert is sent from Tesco Bank to you. You can find this under Setup and manage alerts in Online Banking. Account and fraud alerts are sent automatically. To find out how to set up and manage the other alerts please view: How do I manage my alerts for Credit Card account?
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You must set up a Direct Debit to cover your minimum repayment each month. Simply fill in the Direct Debit form at the end of your application form. This will help you avoid late payments fees. You can make additional payments whenever you like by phone, post, at any bank or by online banking services. You'll find full details on your monthly statements. 
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 There are a few ways you can check your credit card balance:   Log in to Online Banking and your balance will be shown on the Online Banking Overview. Log in to the Mobile App   and your balance will be shown on the main screen. If you’ve got more than one product with Tesco Bank you might need to scroll left or right to find your credit card. Phone our customer services on 0345 300 4278* (Minicom 0345 671 3511*). Select option 2 for general enquiries. You will be asked to enter your 16 digit credit card number so please have this ready. If you’ve registered for Online Banking you will also need to enter selected digits from your Security Number. Then, select option 1, and your balance will be read out to you. Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.
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Yes you can, but you cannot re-apply immediately. You will need to wait at least one month before re-applying for a Tesco Credit Card. In addition, if you have been declined due to your credit rating you may need to wait longer than one month before re-applying. Find out more about repairing your Credit Rating here. If you are declined for a Tesco Credit Card, we will tell you why we have not been able to accept your application online or if you applied over the phone, one of our colleagues will be able to advise you of this. If you are unhappy with the reason we have given for rejecting your application, you can contact us on 0345 300 4278* to discuss your application further. Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.
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Once you qualify for the offer, your bonus points will be added to your Clubcard account within 45 days of the end of that year. The year runs from the day you opened your account to the anniversary the following year.
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