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Personal Current Account FAQs - colleague only

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Here you can find out about all our  fees, charges and rates .   *overdrafts *unarranged overdrafts *international charges *all other charges   This content is exclusively for Tesco colleagues only.
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You won't collect Clubcard points on cash withdrawals and deposits, buying travel money (cash or travellers cheques), gambling transactions or using your card at other banks and building societies.   There is also a minimum spend required before you can collect points on purchases.   Find out more about collecting Clubcard points .   This content is exclusively for Tesco colleagues only.  
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When applying for a current account, we will carry out a credit check to assess the type of card we can offer, and whether we can offer you any form of overdraft. Although switching your account won't affect your credit rating, opening a new account may.   If any payment issues happen as a result of the switch, we will correct these issues and ensure your credit rating is not affected.    Please note that lenders may look at how long you have been with your current bank before offering you credit.   This content is exclusively for Tesco colleagues only.
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Yes, you can switch your account if you're overdrawn, but we can't switch your overdraft.   We may be able to offer you a new overdraft, subject to our normal lending criteria.   However, we can't guarantee that you'll be offered an overdraft or, that you'll be offered the same amount that you owe on your old account.   You'll have to make separate arrangements to repay your old bank or building society what you owe.   You can apply for an overdraft with us when you apply for a current account or through Online Banking once your account is open.   This content is exclusively for Tesco colleagues only.
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Arranged overdraft   An arranged overdraft is an agreed overdraft facility that's set up on your account. It allows your balance to be overdrawn up to the agreed overdraft limit. You'll be charged interest on the overdrawn balance. You will not be charged if you don't use this facility.   Use our  Overdraft Calculator  to find out what you'll pay when you use your overdraft.    Unarranged overdraft   When you don’t have enough cash in your account, or within your overdraft limit, to cover a payment you'll go into an unarranged overdraft. You'll be charged interest on the balance and you'll be charged £5 each time a payment takes you in to, or further in to, an unarranged overdraft.  The monthly cap on your Current Account for unarranged overdraft charges and paid or unpaid transaction fees is £75.   This content is exclusively for Tesco colleagues only.
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Yes, closure of the old account is part of the Current Account Switch Service.   Any payments made to and from your old account will be automatically redirected to your new account.   If you want to keep your old account open, you can open a new current account and use the Payment Transfer Service. However, you won't get any of the benefits detailed in the  Current Account Switch Guarantee .    This content is exclusively for Tesco colleagues only.
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If you're already using Online Banking to manage your credit card or another banking product, you don't need to register again for your current account. However, you won't be able to access your current account straight away.   Once your current account is open, you can add it to your Online Banking Overview using your credit card login details.   Log in to Online Banking and enter your current account details in the Add my account section on the Online Banking Overview and follow the instructions.   You'll now be able to access and manage both your current account and your credit card using your credit card login details.   This content is exclusively for Tesco colleagues only.
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Quick transfer lets you transfer money between Tesco Bank current accounts and savings accounts.   Log in to Online Banking, click on your account and then select Manage account in the top right hand corner.   In the Quick Transfer section on the Account Overview, select the accounts you want to transfer the money from and to using the drop-down menus. Enter an amount, then Transfer.   The money will be transferred immediately.   This content is exclusively for Tesco colleagues only.
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The type of contactless debit card we are giving you is based on your application and the information held by credit reference agencies.   To help you avoid going overdrawn, your new card will always attempt to check that you have enough money to make a payment.   Sometimes when you try to make a payment, your card might not work if the seller can’t check you have enough money to make the payment, for example: at Pay at Pump or buying tickets on a train.   It is not possible to change the type of contactless debit card on an account. You would need to apply for a new account and once your application has been received, we would then make a decision on the type of card to be issued.   This content is exclusively for Tesco colleagues only.
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You 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.   This content is exclusively for Tesco colleagues only.
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