Clubcard Pay+

The power to pay, save and pick up extra points, anywhere you shop, using one card.

    What is Clubcard Pay+? It’s an account that lets you pay, pick up extra Clubcard points and round up your spending into a savings pot, when shopping in and out of Tesco

    Why choose Clubcard Pay+ ?

      • Pay and collect points using one card in Tesco and even more points on Tesco fuel
        Collect your usual Clubcard points in store and extra points on Tesco fuel with 1 point for every £1 spent (usually 1 point for every £2 spent) - excludes Esso.
      • Collect points anywhere you shop outside of Tesco too
        Collect 1 point for every £8 spent anywhere you shop outside Tesco that accepts Visa debit cards (yes, anywhere!)
      • Double points at Tesco for your first 3 months
        After opening your account you’ll get double points for three months when you spend in Tesco with your Clubcard Pay+ debit card
      • Top-up and take control of your spending
        Simply top up from any UK bank account and keep an eye on your budget - so you never spend more than you plan to
      • Round up the change and watch it grow
        Start saving by rounding up your spending to the nearest pound or more - if you wish
      • No monthly fee
        There’s no monthly fee for using the card. Simply move money into your account and spend

      Pay and get rewarded, wherever you shop

      1 point
      for every £1 spent
      in Tesco

      Your Clubcard Pay+ debit card picks up your usual Clubcard points

      1 point
      for every £1 spent
      on Tesco fuel
      (excluding Esso)

      Usually 1 point for every £2 spent with just a Clubcard

      1 point
      for every £8 spent
      outside Tesco

      0 points with just a Clubcard

      100 points = £1.00 in vouchers. Find out more about turning points to vouchers and collecting points.

      To see how many points and vouchers you could collect, visit our Rewards Calculator

      Turn your points into vouchers and feel the power

        Spend less in store and on fuel

        Use your vouchers to save in Tesco, as well as on fuel at Tesco petrol stations and at Esso sites with a Tesco Express

            Save up to 3x the value of your vouchers when you spend with Tesco Reward Partners

            Exchange your vouchers to use on days out, eating out and more with over 100 Tesco Reward Partners

              Frequently asked questions

              What is Clubcard Pay+?

              Clubcard Pay+ is made up of a Clubcard Pay+ payment account and a Round Up savings account - it lets you pay, save and pick up extra points when shopping in and out of Tesco.

              The Clubcard Pay+ account comes with a debit card, that is also your Clubcard, which you can use anywhere Visa debit cards are accepted.

              It’s been designed to help with your shopping budget. Simply top-up your account to set aside your budget, keep an eye on your spending in the mobile app and watch your Clubcard points roll in - wherever you shop.

                Am I eligible to open an account?

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

                  How do I apply for Clubcard Pay+?

                  You'll need to be registered and signed into your Clubcard account to apply for Clubcard Pay+. The application is all online, and should only take you a few minutes to apply and find out if you've been successful.

                    Apply for Clubcard Pay+

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

                      What our customers have to say

                      “I applied and the application process was very smooth a quick phone call from tesco banks friendly team and all done since recieving my card i use it all the time for restaurant visits etc and of course for our tesco shopping and the extra points soon add up all in all i love my clubcard pay+ card."

                      @Sweep

                      “Loving this new product from Tesco Bank makes budgeting and saving so easy."

                      @Jmac22

                      “I've only started using Clubcard Pay+ this month (in fact it was my first ever Clubcard 🙈) but I'm amazed at how quickly the roundup has added up! Already over £10 which isn't a huge amount (but every little helps) and I don't even notice the money going out of my main Clubcard Pay+. I'm so happy with it!"

                      @chr

                      Using Clubcard Pay+

                      How do I add money to my Clubcard Pay+ account?

                      You can top-up your Clubcard Pay+ account from any UK bank account. You could:

                      • Top-up in our Tesco Bank mobile app, by connecting to any of your other UK bank accounts
                      • Transfer from any UK bank account into your Clubcard Pay+ account
                      How do I pay using Clubcard Pay+?

                      Your account comes with a debit card, so you can easily pay using the contactless card you’ll receive. Or if you’re an Apple user, you can add your card to your phone’s wallet and pay using your phone.

                      You’ll need to make sure your account has money in it by topping up your account.

                      Remember, you’ll collect Clubcard points almost every time you use your card in and out of Tesco. If you’re using Apple Pay in a Tesco Store, make sure to tap your physical Clubcard Pay+ card before you pay to benefit from Clubcard Prices and collect your Clubcard Points.

                        Can I move money out of my Clubcard Pay+ account?

                        Yes, you can transfer from your Clubcard Pay+ account to any UK bank account easily in the Tesco Bank mobile app.

                          What can’t I pay with Clubcard Pay+?

                          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
                          Can my balance go below zero?

                          There’s no overdraft on Clubcard Pay+, but your balance can go below zero. For example, if a retailer accepts a debit card payment from you without checking to see if there’s enough money in your account.

                          We’ve set up an alert on your account to let you know by SMS if this happens. If your balance goes below zero, you must top up your Clubcard Pay+ account to zero or above 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 isn’t 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.

                            Are there any fees and charges?

                            There’s no fee for having and using a Clubcard Pay+ account in the UK.

                            If you transact with your Clubcard Pay+ debit card outside the UK, a 2.75% foreign exchange fee will apply. And if you make an ATM cash withdrawal outside the UK in a foreign currency (excluding Euros), you’ll need to pay an additional 1% cash withdrawal fee.

                              How we communicate with you

                              It’s important 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 in-app messaging. You’ll find account communications in the statements and documents section in our mobile banking app, so make sure you check there regularly.

                                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.

                                  Round Up

                                  What is Round Up?

                                  Round Up is a savings account provided with Clubcard Pay+. It grows by rounding up the transactions you make on your Clubcard Pay+ debit card to the nearest £1 (or more) and saving the difference.

                                  Round Up is automatically switched on, though you can switch it on and off at anytime in the Mobile Banking App and even choose to round up to the nearest £5 on big shops.

                                  You can withdraw money from your Round Up account to your Clubcard Pay+ account (and from there to any UK bank account), or to another Tesco Bank account in your name using our Mobile Banking App. Withdrawal limits apply

                                    Can I move money out my Round Up account?

                                    You can withdraw money from your Round Up account to your Clubcard Pay+ account (and from there to any UK bank account), or to another Tesco Bank account in your name 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 each day.

                                    Daily withdrawal limits may change from time to time, but we'll let you know if this happens.

                                      Does my Round Up account come with a debit card?

                                      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.

                                        What transactions won’t round-up?

                                        There are some cases where transactions won’t be rounded up, including:

                                        • 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 (e.g. subscriptions and automatic renewals of insurance policies)
                                        What is Big Shop Big Round Up?

                                        As well as rounding up to the nearest £1 you can also round up to the nearest £5 for big shops. This is called Big Shop Big Round Up (BSBRU). You can turn BSBRU on and off in our Mobile Banking App and set the amount you want to count as a big shop.

                                        For example, if you turn on BSBRU and set £50 as your ‘big shop’ value, 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 £2.50 will be added to your Round Up account.

                                          Do I get paid interest on my Round Up savings?

                                          You can earn 0.35% Gross/AER (variable) on the savings in your Round Up account.

                                          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.

                                          You can read more about what this means in the Round Up Summary Box below.

                                            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)

                                                    0.35% 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 £1,003.50 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

                                                                    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 fca.org.uk/firms/financial-services-register

                                                                      Collecting Clubcard points

                                                                      How to collect Clubcard points?

                                                                      Your Clubcard Pay+ debit card is also your Clubcard.

                                                                      When you pay with your Clubcard Pay+ card, you’ll receive:

                                                                      • The standard Clubcard points collection rate at Tesco of 1 Clubcard point for every £1 spent
                                                                      • An enhanced rate of 1 point for every £1 spent on Tesco Fuel, excluding Esso (usually 1 Clubcard point for every £2 spent with just a Clubcard)
                                                                      • In addition you'll collect 1 Clubcard point for every £8 spent outside Tesco

                                                                      Double points for your first 3 months For the first 3 months (100 days to be exact) after opening your Clubcard Pay+ account you’ll collect 2 points for every £1 you spend using your Clubcard Pay+ debit card on qualifying products at Tesco and on Tesco Fuel (excludes Esso). That’s one extra point for every £1 you spend. After this period, your points will be collected at the standard Clubcard Pay+ rate (above).

                                                                      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’.

                                                                      Points are calculated on each debit card purchase transaction and collection rates are subject to change. Exclusions apply and there are some products at Tesco you won’t collect points on.

                                                                      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.

                                                                        What can't I collect points on?

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

                                                                        • Debit card transactions of £100,000 or more
                                                                        • Refunds
                                                                        • Bills at banks or other financial institutions
                                                                        • Cash withdrawals (including cashback)
                                                                        • Gambling, purchasing travel money and purchasing foreign currency
                                                                        • Paying funds into savings accounts (including NS&I accounts)
                                                                        • Purchasing shares or making a deposit into a share-dealing account

                                                                          There are also some products at Tesco you can’t collect points on, see the Tesco Clubcard website for details.
                                                                        Turning points into vouchers

                                                                        Every 3 months your Clubcard points are turned into Clubcard vouchers. Or you can choose to get them quicker with Faster Vouchers.

                                                                        Your vouchers can be used to spend at Tesco, in store or on fuel (excluding Esso), or they can be exchanged to get up to 3x the value of your vouchers with Tesco Reward Partners.

                                                                          How Tesco use your data

                                                                          When you open a Clubcard Pay+ account you will be automatically enrolled into the Clubcard Scheme if you’re not already a member.

                                                                          Tesco Bank will share information with Tesco Stores to help run your Clubcard account.

                                                                          Clubcard accounts are managed separately by Tesco Stores, and you should visit the Tesco Stores privacy notice for further information about how Tesco Stores uses your information.

                                                                            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