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.comCurrency conversion charge
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 currency conversion charge.
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.
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.comCurrency conversion charge
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 currency conversion charge.
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.comCurrency conversion charge
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 currency conversion charge.
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.comCurrency conversion charge
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 currency conversion charge.
3% of the cash value you withdraw (minimum of £3)
Contact us
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