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Current Accounts

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Each customer can have a maximum of two Tesco Bank Current Accounts, which also includes joint accounts.   Any Savings Accounts you may have with us will not impact the number of Current Accounts you can have.   An example of how the maximum number of accounts works would be if you have a joint account with your partner, you would both be eligible to apply for one more sole account each or another joint account between you.
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Please see our rates and fees page to find out more information on your interest rates. We have recently announced changes to our credit interest rates, you can find more information here. 
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If accepted, you will be asked to sign your agreement online. If we require additional information, this will be clearly explained at the end of your application. After signing your agreement, we will then send you a welcome pack in the post. Your PIN and your card will arrive separately within 10 working days. Your PIN should arrive first. Once your card arrives, activate it using either Online Banking or our Mobile Banking App. You'll then be able to use the card and start collecting Tesco Clubcard points. For joint accounts both cards need to be activated before any access to deposit or withdraw funds is available. Please note you will not be able to use your new account until you have activated your debit card. Should we be unable to offer you a current account, in most cases you would receive an instant decision.
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To open a current account, you must be 18 years old and need the following information:   your monthly net income after tax and deductions monthly rent / mortgage payment, including what share of it you pay occupation, employer's name and address and when you started this job details of any other income you receive, for example pensions or benefits your address information for the last three years details of an existing bank account and how long you’ve been with your bank the debit card number and a recent bank account statement for any current accounts you want to switch to us If you’re applying for a joint account, you’ll need the same information above for the joint applicant. Where possible we will verify your identity and proof of address electronically, however we may request additional supporting documentation as part of the account opening process. Below is a list of the documentation that we can accept if we do request additional information from you. Please note that the same document cannot be used to validate both your address and identity.   Acceptable Identity Documents Certified Copies Only Passport Valid Residency Permit for Foreign Nationals Valid EU National Identity Card (Photo Card Only) Valid Driving Licence Northern Ireland Electoral Identity Card/Voters Card Original Documents Only Benefits Book or letter from Benefits Agency confirming your right to benefits   Acceptable Address Documents Certified Copies Only Valid Driving Licence Original Documents Only Mortgage Statement Utility Bills/Statements Local Authority Bill Bank/ Credit Card or Building Society Statement Benefits Book or letter from Benefits Agency confirming your right to benefits Please note that the same document cannot be used to validate both your address and identity
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You can post cheques to us by sending them to: FREEPOST TESCO BANK 4943 (Please note: No other address details such as road, town or postcode are required) Please send a completed pay in slip with your cheque, or write your Tesco Bank account number and sort code clearly on the back of the cheque. You can find pay in slips in your cheque book. If you don’t have a cheque book for your current account you can request a book of pay in slips. Simply call us on 0345 835 3353* (or minicom 0345 366 6471*). Lines are open 24 hours a day, 7 days a week. 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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You can activate your debit card using the Mobile Banking App or Online Banking. If using your mobile: Simply log in to the app and you will see an ‘Activate Card’ image towards the top of the page. Tap this image and enter the last 4 digits of the long number on the front of your card to complete your activation. If using Online Banking: Once logged in to Online Banking, click on your account and then select Manage account on the right hand side Select your current account on the overview page Choose ‘Activate your card’ from the left-hand menu Enter the last 4 digits of the long number on the front of your card to complete your activation
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Call us on 0345 835 3353* (or minicom 0345 366 6471*) to close your account. If you need to close your joint account, either party can do this. Lines are open 24 hours a day, seven days a week. If you want to remove an account holder, both account holders need to be present when calling and pass security. For more information on accessing your Current Account transaction history after closing your account, please see our existing FAQ 'Accessing Your Current Account Transaction History'.  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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The maximum amount of cash back you can withdraw using your debit card is £100.   However, some stores may have a lower limit they'll allow customers to withdraw.   You don't have to be in a Tesco store to get cashback.
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You can apply for an overdraft online or by phone. The decision is usually immediate, and if you're successful the overdraft will be added to your account straight away. Please note, you can only have one overdraft with Tesco Bank, even if you have more than one current account with us. Depending on the type of card you were issued with at the time of applying for your Tesco Current Account, you may not be eligible for an overdraft facility (you will know if you have this type of card as the seventh digit of the long card number across the middle of your card will be a 5). If you do, then we are unable to offer an overdraft on your account but if your circumstances change in the future than you can apply for a new account. If eligible, you can: Apply online Log in to Online Banking, click on your account and then select Manage account on the right hand side. Select Apply for an overdraft from Your account preferences. Enter the overdraft amount you'd like to apply for, then Submit. We'll let you know the amount of the arranged overdraft we'll offer you. Please note, this may be less than the amount you applied for. If you want to accept the overdraft offer, read and confirm you've read the important information, then Submit. By phone Call us on 0345 835 3353* (or minicom 0345 366 6471*). Lines are open 24 hours a day, seven days a week. Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator. For information on our fees and charges, please see our existing FAQ 'What fees do you charge on a current account?'  
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With some debit cards, we need to be able to check you have enough money in your account to authorise the transaction. Unfortunately, Pay at Pump does not allow us to do this.   You will know if you have the type of card that needs authorised as the seventh digit of the long card number across the middle of your card will be a 5).   Please remember that as long as you have enough money in your account, you will be able to pay at the kiosk should the Pay at Pump option not be available.
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