Credit card fees and charges

We won't charge you for going over your limit, instead we'll add the amount owed to your minimum payment on the next statement we issue.

We don't think it's fair to charge you a fee for spending over your credit limit on your card but we do recommend bringing your account within your limit as quickly as possible.

Please note being regularly over your limit may affect your credit score.

Text or email alerts when you’re near your credit limit
We'll let you know when you're close to your credit limit. You don’t have to do anything to receive these alerts - just make sure your contact details are up to date. Alerts are different to marketing – you’ll get alerts even if you’ve opted out of marketing.

What you should do if you go over:

• Get your account back within your limit, either by ensuring that you make the minimum payments on your next statements, or by making an interim payment
• Try to keep an eye on your spending so that you don’t go over your limit again

Cash advance fees apply whenever you use your card to obtain cash (for example out of an ATM), foreign currency or travellers’ cheques, or you use your card for gambling.

It’s important to note that this can also apply to online gambling and transactions that may not be for the purpose of gambling but are made at an establishment where gambling is carried out, for example: meals purchased in a casino.

We charge a fee of 2.5% of the amount withdrawn on each cash advance or £3.00, whichever is greater.

Please note interest is charged for cash advances on top of this fee from the day that the transaction is made.

A 1.5% balance transfer fee applies within the first 90 days of the account opening, or £5 whichever is greater

For any balance transfer made after this time, we charge 2.4% of the balance to be transferred, or £5, whichever is greater.

Please note interest may be applied for balance transfers on top of this fee.

As of 1 December 2020 all our credit cards offer worldwide commission-free purchases.

Please note interest charges may apply for foreign currency purchases and cash withdrawals.

Cash Advance fee

All our cards carry a fee when you withdraw cash, whether that’s in pounds sterling or a foreign currency. The fee is 2.5% of the value of the withdrawal or £3, whichever is greater.

Please note the cash advance fee may also apply to transactions within the UK for foreign currency withdrawn at a bureau-de-change/bank/Post Office®. The bureau / ATM owner may also make a charge for cash withdrawals.