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Online Banking

Paying your Credit Card

COVID-19 Update
– we would encourage you to make a payment using our Mobile Banking App or Online Banking and help us protect our most vulnerable customers by only contacting us if your call is urgent. Read
our latest customer update for more details.

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 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 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 credit card 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 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 credit card 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 in to 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'

Hi @Finners11, sorry to hear this. So I can look into this for you, can you please send a private message to Tesco-Bank? 

before i applied for a payment break i was on 0% intrest .i got comfirmation to say i was on my payment break but now you have put 3 months interest on took  me off my 0% interest.when i phoned i was told as soon as my payment break is over everything will go back to the same as before but my payment break is now over and still interest is on and i have not got my 0% so before i was paying £50 a month and now i am paying 108 so thank you tesco for not helping me and making my financial situation worst .i took payment breaks with two other banks and they didnt  charge me or mess my account up.

Hi @bob26, I'm sorry to hear this. Can you please send a private message to @Tesco-Bank with your full name. DOB and postcode so we can look into this for you? - Thomas

Hi! Can I negotiate not the balance if I want pay off my card in full?

Hi @Adzwyer89, we wouldn't be able to discuss this here. However, if you give our Credit Card team a quick call, they'll be able to assist you further. They can be contacted on 0345 300 4278 (Mon - Sun: 8am to 7:30pm) - Keigan

I am in the process of organising payment for next month, but I am on a Covid 19 payment break, and I received a letter recently telling me that even though I wouldn't be charged, any missed payments will be reported to the credit reference agency.  This has got me really worried and I hardly sleep at night thinking about it.  So I reserched and found this from Martin Lewis Money Saving Expert website:


"The three major credit reference agencies – Experian, Equifax and TransUnion – as well as the FCA have all confirmed that customers' credit scores WILL be protected when they have an agreed payment holiday in place. This special measure is called an 'emergency payment freeze' and means a payment holiday will essentially be invisible on your credit report and help protect your payment history. 

So if you were up to date with your payments before the payment holiday, you'll continue to be throughout. If you were already in arrears, your arrears will be kept at the same level, so the payment holiday months won't be counted as more missed payments", (; 2020).


Can you please tell me why Tesco's Bank are doing things differently? and I need an accurate account of what I should pay and when so I can plan better.  


Thank you for your message. Can you please send us a DM so we can look into this for you? – Caroline

How do I DM you? Can you provide a link please?


Hi @M22, thanks for your message. To send a private message, please search Tesco-Bank as a user in the search box. You'll see "send a message" on the blue banner and if you click this, you'll be able to message us privately.

I saw a different sort code/account when I looked for this on the community. Is that genuine or a scam? 40-02-50 ......