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UK Credit Cards (as at July 2008 – these do change, but rarely) |
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Spending |
Withdraw Cash |
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Provider |
Load |
Fee |
Interest (APR)- if paid off in full |
Abbey Zero |
NIL |
NIL |
25.9% |
Alliance & L’ster |
2.99% |
3% min. £3 |
27.9% |
Am. Express |
2.73% |
£3% min. £3 |
27.9% |
Bank of Scotland |
2.95% |
3% min £3 |
23.9% - 27.9% |
Barclaycard |
2.75% |
2.5% min £2.50 |
27.9% |
Capital One |
2.75% |
3% min £3 |
25.9% – 34.9% |
Co-Op |
2.75% |
2.5% min. £3 |
5.1%-23.9% |
Egg |
2.65% Europe - 2.75 Worldwide |
3% min. £3 |
7.9% - 16.9 % |
First Direct |
2.75% |
2.5% min £2.50 |
21.9% |
Halifax |
2.95% |
3% min £3 |
15.9% - 27.9% |
HSBC |
2.75% |
2.5% min £2.50 |
21.9 |
Intelligent Finance |
2.95% |
3% min £3 |
22.9% |
Lloyds TSB |
2.75% |
2.5% min £2.50 |
27.9% |
Marks & Spencer Money |
2.75% |
2.5% min. £2.50 |
18.9% |
MBNA |
2.75% - 2.99% |
3% min £3 |
27.9% |
Mint |
2.75% |
2.5% min. £2.50 |
27.9% |
Nationwide |
NIL |
2.5% min £3 |
22.9% |
NatWest |
2.75% |
3% min £3 |
27.9% |
Post Office |
NIL |
2.5% min £3 |
22.9% - 24.9 % |
RBS |
2.75% |
3% min £3 |
27.9% |
Saga |
NIL Europe - 1.00% Worldwide |
2% min £2 |
21.4% |
Sainsburys |
2.75% |
3% min £3 |
19.9% |
Smile |
2.75% |
2.5% min £3 |
23.9% |
Tesco |
2.75% |
3% min £3 |
24.9% |
Virgin Money |
2.99% |
3% min £3 |
24.9% |
Where an interest rate range is shown, this means it depends on the specific card (source original research, with additional information from MoneyFacts) |
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Major UK Debit Cards |
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Load |
Cash withdrawal Fee |
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Abbey |
2.25%(Europe) |
1.5% min. £1.50 |
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Alliance & Leicester |
2.95% |
2% min. £2 |
|
Barclays |
2.75% |
2% min £1.50 max £4.50 (except Barclays cash machines or those within the Global Alliance.) |
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Cahoot |
2.25% |
1.5% min. £1.50 |
|
Co-Op |
2.75% |
2% min £2 |
|
First Direct |
2.75% |
1.5% min £1.75 |
|
Halifax |
2.75% + £1.50 per purchase |
£1.50 |
|
HSBC |
2.75% |
1.5% min £1.75 |
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Intelligent Finance |
2.25% + £1.50 per transaction |
1.5% min. £1.50 |
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Lloyds TSB |
2.99% + £1 per purchase |
1.5% min. £2 max £4.50 |
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Nationwide |
NONE |
NONE |
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NatWest |
2.75% plus £1.25 per purchase |
2% min £2, max £5 |
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RBS |
2.75% plus £1.25 per purchase |
2% min £2, max £5 |
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Smile |
2.75% |
2% min £2 |
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