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If you have not opened your account within the last 14 days, you can close your account online.

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 Direct Debit

• You can set up regular payments to your credit card by direct debit, which means you will not 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, log in to Online Banking, click on your account 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 Banking App, you can also set up, manage and cancel your direct debit in the Mobile App.

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 do not see your bank on the list, you'll 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 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 Banking App. 

To do this via Online Banking:

• Log in to  Online Banking, click on your account and then select 'Make a Payment' from the drop-down menu. 
• Select 'Pay by Debit Card' and if your card has previously been saved, please select it and follow the on-screen instructions. 
• If you need to add a new card, select 'Pay with a new card', enter your card information and you'll have the option of saving it for future payments. 

To do this via the Mobile Banking App:

• Once logged in, select the credit card you want to make a payment towards. 
• Then select the menu icon 'Pay Credit Card', and then click 'Pay with debit card' and follow the on-screen instructions.

Pay by Cheque

• Complete and return the Bank Giro Credit Slip from your statement and your cheque to: Tesco, PO Box 1533, Northampton, NN1 9HU. 
• Cheques should be payable to Tesco Bank Credit Cards and should not be post-dated. 
• Write your Tesco Bank Credit Card number on the payee line. 
• Please allow 5 to 7 days for your payment to reach us by post. 
• It will take another 1 to 2 business days before the cheque funds are cleared in your account.

Once you receive your card, the easiest way to activate it is through our  Mobile Banking App. Download our Mobile Banking App to your phone and follow these three steps:

• Sign in with the details you registered with during your application or register if you have not already done so.
• On the app landing page, select 'Activate Card' underneath your card.
• Enter the CVV number from the back of your card to activate it.

Alternatively, you can call us to activate your card. You’ll need to enter your 16-digit credit card number so please have it ready. If you’re registered for Online Banking, you will also need to provide selected digits from your Security Number. This process will also activate any additional cardholders on the account.

If you’re not registered for Online Banking, please follow the instructions provided during the registration process.

We know it can sometimes feel difficult to pick up the phone when you need help. A few things you can do to make it easier:

• Have your account details ready.
• We really want to make sure you get the most from your call, so let us know if there is anything we can do to help, for example talking slower or repeating something. You can let us know before you call on our support page.

Tesco Bank Credit Card Operations
PO Box 343
Newcastle Upon Tyne
NE12 2GD

You can settle and close your Tesco Bank Loan account at any time during the loan term by requesting an early settlement figure. 

To request an early settlement figure, you can use our Early Settlement Form. We’ll email you the amount needed to settle your Tesco Bank Loan within an hour. Additionally, we’ll send it by post within a week. 

Your settlement figure is valid for 30 days from the date of your request. There is a fee of up to two months’ interest, but the total amount you repay may include an interest saving. There is no charge if you choose to reduce your loan term through overpayment.

If you're using our  Mobile Banking App  or Online Banking  to manage your Tesco Bank Loan, you can find your loan account number and sort code on the first screen after you log in. 

Alternatively, you can find these details on your annual statement or original loan agreement. If you do not have this documentation, please call us.

Yes. If you do not agree with the decision that we've made on your application, you have the right to appeal. You should support your appeal by providing any additional relevant information that was not taken into account at the time of our original decision, such as:

• Details of any missed income that may impact whether you can afford the loan
• A change in your credit score or incorrect information being removed from your credit file

Send your appeal to: Tesco Bank, Loans Decision Review Team, 1-4 Clyde Place Lane, Glasgow G5 8DP. Please note it can take 5 to 7 days to review once your documents are received.

You may find the following questions useful:

• Can I apply for a Tesco Bank Loan again if I am not accepted the first time?
• Can I get a copy of my Credit Reference file?
• What is Credit Scoring?

We know it can sometimes feel difficult to pick up the phone when you need help. A few things you can do to make it easier:

• Have your account details ready.
• We really want to make sure you get the most from your call, so let us know if there is anything we can do to help, for example talking slower or repeating something. You can let us know before you call on our support page.

Tesco Bank Loan Operations
PO Box 27014
Glasgow
G2 9FE

You can find all the information you need on how to close your account on our account closure page.

You can make multiple deposits immediately within the first 30 days of opening your Fixed Rate Saver. Your total balance must be at least £2,000 and no more than £5 million by the end of this period. After this time, no further deposits can be made.

Please note, if this is a newly opened joint account, you may need to wait up to 48 hours before making your first deposit, unless you’re transferring from another Tesco Bank account.

Ways you can add money:

• Transfer from another Tesco Bank account - Once your account is active, you can move funds from other Tesco Bank accounts using our digital channels.
• Faster payment - Make deposits from your current account using your Fixed Rate Saver account number and sort code, which you can find in your welcome pack or statements.
• Cheque - Post cheques to us at:
  Freepost
  Tesco Bank
  4943

Please remember to write the account number and sort code on the back of the cheque so we know where to deposit your money.

You only need to pay tax on any interest you earn above your Personal Savings Allowance. You are responsible for making sure you're paying the correct tax. 

If you're unsure whether you are required to pay tax, please contact HMRC.

We know it can sometimes feel difficult to pick up the phone when you need help. A few things you can do to make it easier:

• Have your account details ready.
• We really want to make sure you get the most from your call, so let us know if there is anything we can do to help, for example talking slower or repeating something. You can let us know before you call on our support page.

Tesco Bank Savings Operations
PO Box 27017
Glasgow
G2 9FH

We’re always updating our security measures for our Mobile Banking App.

However, this means some of our customers using older devices, operating systems, or app versions may no longer be able to access our Mobile App.

To keep you safe, we recommend you have the latest version of our Mobile Banking App as well as the most up-to-date operating system (OS) installed on your device. Our app and operating system requirements are:

• iOS: App version 4.61.0 or above and iOS 16 or above
• Android: App version 4.61.0 or above and Android 10 or above

If you launch our Mobile App using a version older than 4.61.0 for iOS or Android, we'll direct you to the App Store or Play Store to get the latest update.

Your device's OS must be iOS 16 or above or Android 10 or above to download and use our Mobile App. Please note that our Mobile App does not currently support any other mobile platforms or tablets.

You will not be able to use our Mobile App on a jailbroken or rooted device. This is because these devices are more exposed to cyber criminals and security threats.

If you cannot upgrade your device, you can still manage your Tesco Bank accounts on your phone, tablet, or desktop computer using Online Banking.

In order to view a Tesco Bank account in our Mobile Banking App, it must be in your name.

For joint Savings or Loan accounts, you each need to download our Mobile App to your own device and set up individual login details.

For Tesco Bank Credit Card accounts, only primary cardholders can view the account. Additional cardholders will not be able to add the account to our Mobile App or Online Banking.

To add your other Tesco Bank account(s):

• Log in to our Mobile App and select the settings menu at the top of the screen
• Under 'Account', select 'Add Tesco Bank accounts' then 'Continue to Online Banking
• Log in to Online Banking
• At the bottom of your Online Banking Overview, select 'Add your other Tesco Bank accounts'
• Select the product you wish to add and enter your account details

If, after following these steps, you still cannot see your other account(s) in our Mobile App, please contact us.

We work hard to keep your accounts safe and secure. We constantly monitor our systems and processes to ensure we maintain the high level of security you would expect from a bank.

In our Mobile Banking App, you can set up Face ID, Touch ID, or Fingerprint to quickly and securely log in and authorise payments.

Please note that, once you enable biometric login in our Mobile App, any biometric logins stored on your device can be used to access your account, so you must not store anyone else's biometric login on your device.

If you choose to use a 5-digit passcode to log in and authorise payments, it's important that you select one which would be hard for a fraudster to guess and which is different from your other passcodes and PINs, and that you keep it secret.

If you do not set up biometric login or a passcode, you'll be asked for your Online Banking password and two digits from your security number when you log in.

To find out more about how to keep your accounts and personal information safe, visit our Security and Fraud Hub.

We know it can sometimes feel difficult to pick up the phone when you need help. A few things you can do to make it easier:

• Have your account details ready.
• We really want to make sure you get the most from your call, so let us know if there is anything we can do to help, for example talking slower or repeating something. You can let us know before you call on our support page.

A Temporary Security Number is a code we use as an additional security measure to confirm your identity if:

• You're registering for Online Banking for the first time
• You’ve forgotten your login details
• You've locked your security number, you're using a browser on a mobile device or computer we don't recognise, and we don't have your up-to-date mobile phone number
• You've locked your password, you're using a browser on a mobile device or computer we don't recognise, and we don't have your up-to-date mobile phone number

If we have your up-to-date mobile phone number, we'll send you a text message with your Temporary Security Number. If we don't have your up-to-date mobile phone number, we'll send your Temporary Security Number by post. Your Temporary Security Number is valid for 30 days.

If you know your security number and security questions, you can contact us and update your mobile number.

There may be a few reasons you’re having problems logging in to Online Banking. Below are some you can check before you contact us for help:

• Double check you’re using the correct link: Saving the Online Banking link in your browser favourites or bookmarks could mean you’re using an old link. Instead, go to the Tesco Bank homepage and click on the 'Log in' button on the top right-hand side of the screen.
• Make sure your device operating software is up to date: Check you’re using the latest operating system for your device. Providers update this regularly to improve performance, security and fix any bugs. Running older software versions may be the reason you cannot log in to Online Banking.
• Make sure your browser version is up to date: Our fraud prevention and detection measures work behind the scenes to protect you and keep your account safe. We use the latest technology to manage the security of our Online Banking and Mobile Banking App and test against the latest versions of widely used browsers such as Safari, Firefox, Chrome and Microsoft Edge.
• Clear your cache on your browser: When you use a browser, it saves some information from websites in its cache and cookies. Clearing them fixes certain problems, like loading or formatting issues on sites. If you still cannot log in, we recommend clearing your cache in your browser settings.
• Check you're using the correct credentials: Some of our customers have both Tesco Bank and Tesco Insurance products, so might have two separate sets of logins, one for Online Banking and one for Your Insurance Account.

On the Tesco Bank website, select 'Log in' in the top right-hand corner of the screen.

Enter your Username on the log in page and select 'Log in'. On the next page, enter the two digits requested from your security number and your password.

When you log in to Online Banking on a mobile device or computer we don't recognise, we'll send you a One Time Access Code by text message or by an automated call. You'll also be asked if you want us to recognise your device.

We know it can sometimes feel difficult to pick up the phone when you need help. A few things you can do to make it easier:

• Have your account details ready.
• We really want to make sure you get the most from your call, so let us know if there is anything we can do to help, for example talking slower or repeating something. You can let us know before you call on our support page.

We know it can sometimes feel difficult to pick up the phone when you need help. A few things you can do to make it easier:

• Have your account details ready.
• We really want to make sure you get the most from your call, so let us know if there is anything we can do to help, for example talking slower or repeating something. You can let us know before you call on our support page.

We know it can sometimes feel difficult to pick up the phone when you need help. A few things you can do to make it easier:

• Have your account details ready.
• We really want to make sure you get the most from your call, so let us know if there is anything we can do to help, for example talking slower or repeating something. You can let us know before you call on our support page.

Tesco Bank
PO Box 339
Newcastle Upon Tyne
NE12 2BT