Fees And Charges

Fees and charges
Credit Card Fees

Provider

 

Spending

 

Withdraw Cash

Interest (APR) if paid off in full

The AA

2.99%

2.99% min. £3

27.9%

Amazon (2)

2.99%

5% min. £5

27.9%

American Express

2.99%

3% min. £3

27.9%

Asda

2.99%

3% min. £5

27.9% - 29.9%

Aqua Reward or Advance

NIL

3% min. £3

39.9% - 59.9%

Bank of Ireland

2.25%

2.5% min. £3

24.9%

Bank of Scotland

2.95%

3% min. £3

18.9% - 25.9%

Barclaycard (1)

2.99%

NIL

None (27.9% - 29.9% if not repaid in full)

Capital One

2.75%

3% min. £3

34.9%

Capital One Aspire Business / Classic Extra

NIL

3% min. £3

19.9% - 34.9%

Clydesdale/Yorkshire

2.95%

3% min. £3

27.9%

The Co-op Bank

2.75%

3% min. £3

25.9%

The Co-op Clear (2)

2.75%

NIL

12.9%

Creation Everyday

NIL

NIL

12.9% - 21.9%

Debenhams

2.75%

3% min. £3

29.9%

Egg (2)

2.95%

3% min. £5

21.9% - 23.9%

First Direct

2.99%

2.99% min. £3

24.7%

Halifax

2.95%

3% min. £3

18.9% - 25.9%

Halifax Clarity

NIL

NIL

18.9% - 25.9%

Halifax Student

2.95%

3% min. £3

19.9%

HSBC

2.99%

2.99% min. £3

23.9% - 24.7%

HSBC Premier

2.99%

2.99% min. £3

18.9%

Lloyds

2.95%

3% min. £3

18.9% - 25.9%

Lloyds Avios Rewards

NIL

3% min. £3

18.9% - 25.9%

Marks & Spencer Bank

2.99%

2.99% min. £3

23.9%

MBNA

2.99%

5%

27.9%

MBNA Everyday Plus

NIL

NIL

7.4% - 12.9%

Nationwide (2)

2%

2.5% min. £3

27.9%

Nationwide Select

NIL

2.5% min. £3

27.9%

NatWest

2.75%

3%

29.9%

Post Office (Matched)

2.99%

2.5% min. £3

27.9%

Post Office (Platinum)

NIL

2.5% min. £3

27.9%

RBS

2.75%

3%

27.9%

Saga

NIL

2% min. £2

None (19.6% if not repaid in full)

Sainsbury's

2.75%

3% min. £3

25.9% - 28.9%

Sainsbury's Gold (3)

NIL

NIL

None (24.9% if not repaid in full)

Santander

2.95%

3% min. £3

29.9%

Santander 123

NIL (4)

 

 

Santander Zero (3)

NIL

NIL

29.9%

Smile

2.75%

3% min. £3

25.9%

Tesco Bank

2.75%

3% min. £3

24.9% - 27.9%

TSB

2.95%

3% min. £3

18.9% - 25.9%

TSB Advance

2.95%

3% min. £3

11.9 %

TSB Avios

2.95%

3% min. £3

17.9% - 25.9%

TSB Premier Avios

2.95%

3% min. £3

13.9%

Virgin Money

2.99%

5% min. £5

27.9%

Virgin Atlantic

2.75%

2%

20.9%

Nationwide Select

NIL

2.5% min. £3

27.9%

NatWest

2.75%

3%

29.9%

Post Office (Matched)

2.99%

2.5% min. £3

27.9%

Post Office (Platinum)

NIL

2.5% min. £3

27.9%

RBS

2.75%

3%

27.9%

Saga

NIL

2% min. £2

None (19.6% if not repaid in full)

Sainsbury's

2.75%

3% min. £3

25.9% - 28.9%

Sainsbury's Gold (3)

NIL

NIL

None (24.9% if not repaid in full)

Santander

2.95%

3% min. £3

29.9%

Santander 123

NIL (4)

 

 

Santander Zero (3)

NIL

NIL

29.9%

Smile

2.75%

3% min. £3

25.9%

Tesco Bank

2.75%

3% min. £3

24.9% - 27.9%

TSB

2.95%

3% min. £3

18.9% - 25.9%

TSB Advance

2.95%

3% min. £3

11.9 %

TSB Avios

2.95%

3% min. £3

17.9% - 25.9%

TSB Premier Avios

2.95%

3% min. £3

13.9%

Virgin Money

2.99%

5% min. £5

27.9%

Virgin Atlantic

2.75%

2%

20.9%

 

UK debit card overseas charges

If you use your debit card overseas, there's usually a non-sterling transaction fee, which will apply to both purchases and ATM withdrawals. You'll also usually be charged a cash machine fee, but there'll be no interest charged as it's taking cash from your current account.

Provider

Non-sterling transaction fee

Cash withdrawal Fee (non-sterling fee will also be charged)

Barclays

2.99%

£1.50 (except Barclays or 'Global Alliance' ATMs)

Bank of Scotland

2.99% + £1 per purchase

1.5% min. £2 max £4.50

Clydesdale/Yorkshire

2.75% min £1.50

3.75% min £1.50

The Co-op Bank

2.75%

2% min. £2

Danske Bank

2.75% + £0.75 per purchase

£1.25 per withdrawal

First Direct 1st Directory

2.75%

NIL

First Direct 1st Direct

2.75%

2% min. £1.75 max £5

Halifax

2.75% + £1.50 per purchase

£1.50 per withdrawal

HSBC

2.75%

2% min. £1.75, max £5

HSBC Premier/Advance

2.75%

NIL

Lloyds

2.99% + £1 per purchase

1.5% min. £2 max £4.50

Lloyds Platinum/Premier

2.99%

1.5% min. £2 max £4.50

Marks & Spencer Bank

2.75%

NIL

Metrobank (Europe)

NIL

NIL

Metrobank (Worldwide)

1.9%

£1

Nationwide

2%

£1

Nationwide FlexPlus

2% on spending. 0% on cash withdrawals

NIL

NatWest

2.75% min. £1 for purchases

2% min. £2, max £5

Norwich & Peterborough Gold Classic (£5/mth fee if you don't pay in £500 or make 5+ transactions)

NIL

NIL

RBS

2.75% min. £1 for purchases

2% min. £2, max £5

Santander

2.75% + £1.25 per purchase

1.5% min. £1.99 (waived if using Santander cash machines in Spain)

Santander Zero

NIL

NIL

Smile

2.75%

2% min. £2

Tesco Bank

2.75%

1%

TSB

2.99% + £1 per purchase

1.5% min. £2 max £4.50

TSB Platinum/Premier

2.99%

1.5% min. £2 max £4.50

Ulster Bank

2.65% + £0.75 per purchase

2.25% min. £2 max £5

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