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Credit Cards

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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 "Manage account" in the top right hand corner. Select “Make a payment” and then “Manage Direct Debit”. Here you can set up and manage your direct debits 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.   Faster payment   You can transfer money from your bank account. Transfer the money to sort code 40-64-15, account number 31310006 and enter your 16-digit credit card number as the reference.   Payments made using the Faster Payment Service are normally made within two hours but can take up to 24 hours. However, they may take longer between 4pm Saturday and 6am Sunday and if we take our service offline for maintenance.    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   register for Online Banking. Then follow these steps:   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”   Mobile App   To do this you need to first   download and set up our Mobile App. Then follow these steps:   Log into the Mobile App Select the credit card you want to make a payment on Select the menu icon and then select “Pay with debit card”
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You can borrow up to 95% of your available credit limit. So if your available credit limit is £1000, you’ll be able to borrow up to £950. The money will be in your account within 1 - 2 working days, once your money transfer has been authorised. Please remember that your available credit will not take into account any interest that is due to be applied to your account so please ensure there is sufficient funds left to cover this. Please note that if you are doing more than one money transfer, your fee will not be taken from your available credit until the transfer is complete.
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Your annual fee is charged after your first transaction and will appear on your first monthly statement.  After that, your annual fee will appear on your monthly statement on the anniversary of when you opened your account. You’ll pay the annual fee in the month it’s charged, so you will need to pay this on top of your minimum payment. You will see this as a combined total minimum payment on your monthly statement.
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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'. We can also send you alerts to remind you when your payment is due.   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.
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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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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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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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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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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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