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Charges and fees

Find out how you can avoid charges on your credit card.

3 Year Fixed Rate Credit Card

Balance Transfer Credit Card

The Co-operative Members' Credit Card

Charity credit cards



Charges and fees

Annual Fee

  • There is no annual fee for having this card.

Cash fee

The amount we charge for withdrawing cash — including foreign currency, Travellers Cheques, gambling transactions and loading pre-paid cards.

3% of the transaction (a minimum of £3)

Duplicate statement

What we charge for sending a copy of a past statement to you.

£2.50

Late or missed payment

What we charge if we do not receive a payment, or we receive a payment after the due date.

£10

Exceeding credit limit

What we charge if you spend more than the credit limit we've agreed with you.

£10

Uncleared payment cheque / Direct Debit

What we charge if you make an uncleared Direct Debit or cheque. For example, if you do not have sufficient funds in your account to make a payment.

£10

Foreign use charges

Payment Scheme Exchange Rate

This is the exchange rate that Visa uses. Rates can be found at:

www.visaeurope.com

Non-sterling transaction fee

The charge for carrying out a transaction in a currency other than Great British Pounds (including purchasing Travellers Cheques, foreign currency and gambling transactions).

2.75% of the transactions

(Non-sterling) cash fee

The charge for withdrawing cash when overseas.

  • This is charged in addition to the non-sterling transaction fee.

3% of the cash value you withdraw (minimum of £3)


Charges and fees

Annual Fee

  • There is no annual fee for having this card.

Cash fee

The charge for withdrawing cash. This includes travelles cheques, foreign currency, gambling transactions and loading pre-paid cards.

3% of the transaction (a minimum of £3)

Balance transfer fee

What we charge for transferring your balance to the card.

1%, minimum of £5

Duplicate statement

What we charge for sending a copy of a statement to you.

£2.50

Late or missed payment

What we charge if we do not receive a payment, or we receive a payment after the due date.

£10

Exceeding credit limit

What we charge if you spend more than the credit limit we've agreed with you.

£10

Uncleared payment cheque / Direct Debit

What we charge if you pay something by Direct Debit or cheque but the payment can't be made because you don't have enough money in your account.

£10

Foreign use charges

Payment Scheme Exchange Rate

This is the exchange rate that Visa uses. Rates can be found at:

www.visaeurope.com

Non-sterling transaction fee

The charge for carrying out a transaction in a currency other than UK pounds (including purchasing travellers cheques, foreign currency and gambling transactions.

2.75% of the transactions

(Non-sterling) cash fee

The charge for withdrawing cash when overseas.

  • This is charged in addition to the non-sterling transaction fee.

3% of the cash value you withdraw (minimum of £3)


Charges and fees

Annual Fee

  • There is no annual fee for having this card.

Cash fee

The charge for withdrawing cash. This includes travelles cheques, foreign currency, gambling transactions and loading pre-paid cards.

3% of the transaction (a minimum of £3)

Duplicate statement

What we charge for sending a copy of a statement to you.

£2.50

Late or missed payment

What we charge if we do not receive a payment, or we receive a payment after the due date.

£10

Exceeding credit limit

What we charge if you spend more than the credit limit we've agreed with you.

£10

Uncleared payment cheque / Direct Debit

What we charge if you pay something by Direct Debit or cheque but the payment can't be made because you don't have enough money in your account.

£10

Foreign use charges

Payment Scheme Exchange Rate

This is the exchange rate that Visa uses. Rates can be found at:

www.visaeurope.com

Non-sterling transaction fee

The charge for carrying out a transaction in a currency other than UK pounds (including purchasing travellers cheques, foreign currency and gambling transactions.

2.75% of the transactions

(Non-sterling) cash fee

The charge for withdrawing cash when overseas.

  • This is charged in addition to the non-sterling transaction fee.

3% of the cash value you withdraw (minimum of £3)


Charges and fees

Annual Fee

  • There is no annual fee for having this card.

Cash fee

The charge for withdrawing cash. This includes travelles cheques, foreign currency, gambling transactions and loading pre-paid cards.

3% of the transaction (a minimum of £3)

Balance transfer fee (applicable to 0% promotional offers only)

What we charge for transferring your balance to the card. The charge is only applicable to the Affinity Standard credit card.

3%, minimum of £5

Duplicate statement

What we charge for sending a copy of a statement to you.

£2.50

Late or missed payment

What we charge if we do not receive a payment, or we receive a payment after the due date.

£10

Exceeding credit limit

What we charge if you spend more than the credit limit we've agreed with you.

£10

Uncleared payment cheque / Direct Debit

What we charge if you pay something by Direct Debit or cheque but the payment can't be made because you don't have enough money in your account.

£10

Foreign use charges

Payment Scheme Exchange Rate

This is the exchange rate that Visa uses. Rates can be found at:

www.visaeurope.com

Non-sterling transaction fee

The charge for carrying out a transaction in a currency other than UK pounds (including purchasing travellers cheques, foreign currency and gambling transactions.

2.75% of the transactions

(Non-sterling) cash fee

The charge for withdrawing cash when overseas.

  • This is charged in addition to the non-sterling transaction fee.

3% of the cash value you withdraw (minimum of £3)

Contact us

If you'd like more help & information, you can:

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