On my 7th April 2024 to 6th May 2024 statement I have been charged £23:90 for a Cash Transaction Fee and £12:32 for an Interest Charge on Cash Withdrawals and Cash Transaction.
In both cases I have NEVER withdrawn cash or used the card for a cash transaction, all of my purchases with Tesco Card are for Products.
The account does not warrant Interest Charges as the balance of the monthly account is always paid well before due date.
In fact the 7th March to the 6th April balance was cleared on the 8th April. Can you please justify these additional charges on the April statement.
Many thanks.
@john188 Hey there, thanks for getting in touch! I'm sorry you've had some unexpected charges.
When you make a cash transaction, we charge a fee of 3.99% and interest at your standard cash transaction rate. This is from the date of the transaction until the date this cash balance is paid.
We consider the following types of payments to be cash transactions: gambling transactions, wire/international money transfers, repaying borrowing, purchasing non-Sterling currency outside of Tesco, payments to prepaid or virtual cards, purchasing gift cards, investments, share trading and spread betting.
Have you made any of those types of payments? If so, you will see interest charged over two statements. The first statement will show the cash transaction fee and the interest from the date of the transaction until the statement came out. The second statement will show interest accounting for the period between the first statement coming out and the balance being paid in full. After this there’d be no more interest applied to this specific transaction.
If you've checked through your transactions and are still unsure why this has been charged, then please call the Credit Card team 0345 300 4278 (Mon - Fri: 8am to 9pm, Sat - Sun: 8am - 6pm) and they'll be happy to help.
To speak to one of my colleagues, please choose option 2 and enter your security details, then press 0. If you don't have any details to hand, just press 0 and you will then be passed through.
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How we collect and use your personal data
Tesco Personal Finance plc, trading as Tesco Bank as part of the Tesco Group take the security of your data seriously. We want you to be confident that your data is safe and secure with us and understand how we use it.
We collect data when you browse our website (e.g. your IP address) and register for the Community. To find out more about how we use your data, our legal basis for processing your data and your rights under data protection laws please view our Privacy Policy.
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Tesco Bank Community Terms of Service v 1.0
The Tesco Bank online community ('Your Community') is for Tesco Bank customers, staff, contributors and supporters to discuss products, services, issues and matters of general interest. Your Community content may be viewed by both members and non-members.
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ChristopherP
