Clubcard Pay+ is here

Pay, save and pick up extra points wherever you shop

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    Clubcard Pay+, the power to manage your money

    3 reasons why Clubcard Pay+ gives you so much more

    Clubcard Pay+ mobile screen

    1. The power to make your money go further

    Add your shopping money to your Clubcard Pay+ account using our secure Mobile Banking App.

    Top up your Clubcard Pay+ account from any UK bank account

    Pay for your shopping with your new Clubcard Pay+ debit card

    About our debit card fees
    and charges

    Easily keep track of what you spend

    Women eating ice cream

    2. The power to round up your spend

    Effortlessly save when you spend with Clubcard Pay+.

    You can round up purchases to the nearest pound and add the difference into a savings pot for a rainy day

    To help you save money faster, you can switch on Big Shop, Big Round Up for bigger shops in the Tesco Bank Mobile App.

    It’s always there when you need it

    Tesco Clubcard Pay+ card

    3. The power to double your Clubcard points

    It's simple. Your Clubcard Pay+ debit card is your Clubcard. So, you'll collect your Clubcard points as usual in Tesco.

    Plus, for the first 3 months after opening your account, you'll receive 1 extra Clubcard point for every £1 you spend in Tesco with Clubcard Pay+. That's double Clubcard points for the first 3 months.

    These extra points can take up to 5 working days to arrive in your Clubcard account and will show as ‘TB Clubcard Pay+ Tesco spend'.

    And the rewards don't stop there - when you shop with Clubcard Pay+ outside of Tesco, you can collect 1 Clubcard point for every £8 you spend.

    Round up your savings

      Women eating ice creams

      Grow a pot of savings by rounding up your purchases to the nearest pound.

      Apply for Clubcard Pay+

      Tesco Clubcard Pay+ is provided by Tesco Bank and is available to Tesco Clubcard members who are resident in the UK and aged 18 or over. Accounts are subject to status.

      To start your application, you’ll first need to login to or create an account. This is so we can sync your Clubcard data when you apply for Clubcard Pay+ with Tesco Bank.

      Using Clubcard Pay+

      More about Clubcard Pay+

      Clubcard Pay+ is made up of a Clubcard Pay+ payment account and a Round Up savings account - to let you pay, save and pick up extra points wherever you shop. The Clubcard Pay+ account comes with a debit card that you can use anywhere Visa Debit cards are accepted. Clubcard Pay+ doesn’t allow:

      • Direct Debits
      • Standing Orders
      • International transfers in or out of the account
      • Sending of CHAPS payments
      • Use of Cheques or Bankers drafts

      Tesco Clubcard Pay+ is provided by Tesco Bank and is available to Tesco Clubcard members who are resident in the UK and aged 18 or over. Accounts are subject to status.

        How we communicate with you

        It’s important that you let us know if you change your mobile number and/or email address, so you can continue to get important information from us about Clubcard Pay+.

        We’ll usually get in touch with you by SMS, email, push notification or by in-app messaging. You’ll find account communications, including statements in the statements and documents section in our Mobile Banking App, so make sure you check there regularly.

          Balance below zero

          There’s no overdraft on Clubcard Pay+. But it’s possible your account balance may go below zero, for example if a retailer accepts a debit card payment from you without checking with us first to see if there’s enough money in your account.

          We’ve set up an alert on your account to automatically let you know by SMS if this happens, and you must top-up your Clubcard Pay+ account to zero immediately. If you do not bring your Clubcard Pay+ account balance to zero we may take steps to suspend and ultimately close your Clubcard Pay+ and Round Up accounts. We’ll also let you know by SMS or email if there’s not enough money in your account to cover payments due that day.

          These 2 alerts are there to help you manage your account, but you can opt out of them by calling us on 0345 835 6295*.

          *This number may be included as part of any inclusive call minutes provided by your phone operator.

            Round Up account

            A Round Up account is a savings account provided with your Clubcard Pay+ account. The round up functionality, which rounds up to the nearest £1, will be automatically switched on for you when we open your Clubcard Pay+ account, but you can switch it on and off anytime within our Mobile Banking App.

            There are some instances where round up transactions won’t occur, such as;

            • If a merchant doesn’t ask us to authorise your payment before they take it
            • If there are insufficient funds in your account to cover the round up transaction
            • Recurring transactions, such as subscriptions payments you may make to services such as Netflix, gym memberships, magazine subscriptions, and where you have agreed for things like your car insurance to ‘auto-renew’

            Your Round Up account doesn’t come with a debit card and you can’t use your Clubcard Pay+ debit card to make payments from it. You can access your Round Up account within our Mobile Banking App.

            You can also choose to round up to the nearest £5 on big shops. This is called Big Shop Big Round Up (BSBRU). You can turn on BSBRU in our Mobile App and set the amount that you want to count as a ‘big shop’.

            For example, if you turn on BSBRU and choose to set £50 as a big shop, a round up will be transferred into your Round Up account each time you spend over £50 to the next nearest multiple of £5. So, if you spend £52.50, we will round up to £55 and a round up of £2.50 will be added to your Round Up account.

            You can switch BSBRU on and off anytime within our Mobile Banking App.

              Round Up Summary Box

              This table sets out key information you should know about the account. It should be read together with the Clubcard Pay+ terms and conditions and forms part of our agreement with you.

                Round Up Summary Box

                Account name

                  Round Up

                    What is the interest rate?

                      Interest rate (Standard Interest Rate)

                      0.25% Gross/AER* (variable)

                      How you receive interest

                      • Interest will be earned at a daily rate and applied to your account annually and at account closure
                      • We pay the Standard Interest Rate annually to you in March

                      *Gross is the interest rate paid before tax is deducted. The Annual Equivalent Rate (AER) illustrates what the interest rate would be if paid and compounded each year

                        Can Tesco Bank change the interest rate?

                          • Yes – the Standard Interest Rate is a variable interest rate so we may change it at any time
                          • If we decide to reduce the Standard Interest Rate, we will always contact you in advance, with at least two months’ notice by email, post or notification in your Tesco Bank Mobile Banking App (“Mobile App”)
                          • The reasons which may lead us to reduce the Standard Interest Rate can be found in the “Round Up Account Interest” section of the Terms and Conditions of the account and include, for example, changes in market conditions which affect interest rates
                          • If we increase the Standard Interest Rate, the new rate can be viewed in the Mobile App and we may also contact you to let you know

                          What would the estimated balance be after 12 months based on a £1,000 deposit?

                            The estimated balance would be £1,002.50 after 12 months.

                            Estimated balances are for illustrative purposes only and assume no further deposits, withdrawals or changes to the Standard Interest Rate. Your actual balance may differ depending on the Standard Interest Rates in effect and when your account was opened (Standard Interest is paid in March)

                              How do I open and manage my account?

                                • The Round Up account can only be opened as part of Clubcard Pay+. You can apply for Clubcard Pay+ via the Tesco Groceries App
                                • To be eligible you must be over 18 years of age and resident in the UK
                                • There is no minimum deposit and no maximum balance limit
                                • You can manage your account via the Mobile App
                                • If you experience any issues, you can call us on 0345 835 6295**

                                Can I withdraw money?

                                  • Yes, you can withdraw money from your Round Up account to your Clubcard Pay+ account without notice
                                  • You can also transfer money from your Round Up account to another Tesco Bank account in your name
                                  • If you want to make a transfer to another UK bank account held in your own name, you can do so by calling us
                                  • You can make withdrawals over the phone if the amount you wish to transfer is above our limits noted below:

                                  Limits (maximum that you can transfer)

                                  • Internal Transfers to other Tesco Bank accounts in your own name using the Mobile App - £100,000 per transaction
                                  • Internal Transfers to other Tesco Bank accounts using a Third Party Provider (TPP) - £10,000 per day

                                  For timescales on the above please refer to the “Payments out of your Round Up account” section of your Terms and Conditions.

                                    Additional information

                                      • Since the Government introduced the Personal Savings Allowance on 6 April 2016, we will no longer deduct tax and interest will be paid gross. If you exceed your Personal Savings Allowance you may still need to pay tax on the interest you earn

                                      **This number may be included as part of any inclusive call minutes provided by your phone operator.

                                      Tesco Bank is a trading name of Tesco Personal Finance plc. Registered in Scotland No. SC173199. Registered Office: 2 South Gyle Crescent, Edinburgh EH12 9FQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our registration number is 186022. You can check this on the Financial Services Register by visiting the website

                                        Interest rate

                                        Gross is the interest rate paid before tax is deducted.

                                        Annual Equivalent Rate (AER) shows what the interest rate would be if it was paid and compounded each year. Interest is calculated daily and paid to you annually in March.

                                        The Personal Savings Allowance introduced in 2016 means we won’t deduct tax from the interest you earn, unless the law tells us we must.

                                          Round Up withdrawal limits

                                          You can withdraw money from your Round Up account to your Clubcard Pay+ account, or to another Tesco Bank account in your name, anytime using our Mobile Banking App.

                                          For security, there's a maximum transfer limit of £100,000 per transaction, but there’s no limit on the number of transactions you can make per day, up to your available balance.

                                          If you need to transfer money from your Round Up account to another UK bank account in your name, just give us a call and we'll be happy to help. Daily withdrawal limits may change from time to time, but we'll let you know if this happens.

                                            Fees and charges

                                            A 2.75% foreign exchange fee applies to all Clubcard Pay+ debit card transactions made outside the UK. If you make an ATM cash withdrawal outside the UK, in a foreign currency (excluding Euro), you’ll need to pay an additional 1% cash withdrawal fee.

                                              Your right to cancel

                                              If you change your mind, you can cancel your account within 14 days of getting your Clubcard Pay+ debit card by contacting us on 0345 835 6295*. If the balance on your account(s) is below zero, you’ll need to bring your balance to zero before we can cancel your account(s).

                                              *This number may be included as part of any inclusive call minutes provided by your phone operator.

                                                Clubcard Points

                                                Your Clubcard Pay+ debit card is also your Clubcard and when you open a Clubcard Pay+ account you will be automatically enrolled into the Clubcard scheme if you are not already a member. Tesco Bank will share information with Tesco Stores for the operation of your Clubcard account. Clubcard accounts are managed separately by Tesco Stores, and you should visit the Tesco Stores privacy notice at for further information about how Tesco Stores uses your information.

                                                For the first 3 months (100 days to be exact) after you open your Clubcard Pay+ account you’ll collect 2 Clubcard points for every £1 you spend using your Clubcard Pay+ debit card, on qualifying products in Tesco and on Tesco Fuel (excludes Esso). That’s one extra Clubcard point for every £1 you spend. After 100 days, you will go back to the standard Clubcard points collection rate for using Clubcard Pay+ in Tesco and on Tesco Fuel (1 Clubcard point for every £1 spent).

                                                There are some products at Tesco that don’t qualify for Clubcard points, see the Tesco Clubcard website for details.

                                                In addition to the Clubcard points collected in Tesco, you also collect 1 Clubcard point for every £8 you spend outside Tesco. Clubcard points are calculated on each Clubcard Pay+ debit card purchase transaction and the collection rate is subject to change.

                                                While you can collect Clubcard points on most of your debit card transactions, there are some exclusions, which include:

                                                • Debit card transactions of £100,000 or more
                                                • Refunds
                                                • If you use your debit card to pay for bills at banks or other financial institutions
                                                • When you use your card to get cash. This includes cashback and withdrawing cash at an ATM
                                                • If you use your card for gambling, purchasing travel money and purchasing foreign currency
                                                • If you pay funds into savings accounts including NS&I accounts
                                                • When you purchase shares or make a deposit into a share-dealing account

                                                The Tesco Clubcard Scheme is administered by Tesco Stores Limited, Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA, who are responsible for fulfilling Clubcard points.

                                                  Financial Services Compensation Scheme

                                                  Your eligible deposits with Tesco Bank are currently protected up to the current Financial Services Compensation Scheme limit, the UK's deposit protection scheme. Any deposits you hold above the current limit are not covered.

                                                        FSCS logo

                                                        Independent Service Quality Survey Results

                                                        As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

                                                          These results apply solely to current account providers, a product which we closed on 30th November 2021.

                                                              Graph showing the results of the CMA scoring of UK banks in the Overall Service Quality category. The CMA asked customers how likely they would be to recommend their personal current account provider to friends and family. The rankings with percentage scores are: 1st Monzo with 83%. Joint 2nd are First Direct and Starling Bank with 81%. 3rd Metro Bank with 74%. 4th Nationwide with 68%. 16th Tesco Bank with 48%

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