Log in to Personal Banking Skip to content
  1. Home
  2. Help with credit cards
  3. Charges and fees

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)