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United Kingdom
Interchange and Scheme Fees
Interchange on consumer cards issued within the EEA and used at EEA based merchants is currently capped at 0.20% for Debit and 0.30% for Credit. The UK is no longer treated as a member of the EEA for Interchange qualification.
Card-Present
|
Card type |
Interchange range | Scheme fee range |
|---|---|---|
| Visa Domestic Consumer Prepaid and Debit Card1 |
From 0.10% | € 0.02 to 0.20% | € 0.02 |
From 0.018% + € 0.0082 to 0.146% + € 0.0082 |
| Visa Domestic Consumer Credit Cards | 0.30% |
From 0.022% + € 0.0082 to 0.151% + € 0.0082 |
| Visa Domestic Commercial Prepaid and Debit Cards |
From 0.20% | € 0.32 to 1.85% | € 0.32 |
From 0.018% + € 0.0082 to 0.146% + € 0.0082 |
| Visa Domestic Commercial Credit Cards |
From 0.30% to 1.85% |
From 0.022% + € 0.0082 to 0.151% + € 0.0082 |
| Visa EEA Consumer Prepaid and Debit Card | 0.20% |
From 0.018% + € 0.0168 to 0.148% + € 0.0168 |
| Visa EEA Consumer Credit Card | 0.30% |
From 0.022% + € 0.0168 to 0.151% + € 0.0168 |
| Visa EEA Commercial Prepaid and Debit Cards | 1.30% |
From 0.018% + € 0.0168 to 0.148% + € 0.0168 |
| Visa EEA Commercial Credit Cards | 1.30% |
From 0.022% + € 0.0168 to 0.151% + € 0.0168 |
| Visa UK Consumer Prepaid and Debit Card2 | 0.20% |
From 0.026% + € 0.0168 to 0.248% + € 0.0168 |
| Visa UK Consumer Credit Cards3 | 0.30% |
From 0.122% + € 0.0168 to 0.503% + € 0.1075 |
| Visa UK Commercial Prepaid and Debit Cards | 1.60% |
From 0.118% + € 0.0168 to 0.248% + € 0.0168 |
| Visa UK Commercial Credit Cards | 1.60% |
From 0.122% + € 0.0168 to 0.503% + € 0.1075 |
| Visa Non - EEA Consumer Prepaid and Debit Card | € 0.15 | 1.20% |
From 0.468% + € 0.1075 to 0.6915% + € 0.1075 |
| Visa Non - EEA Consumer Credit Cards | 1.20% |
From 0.4720% + € 0.1075 to 0.6965% + € 0.1075 |
| Visa Non - EEA Commercial Prepaid and Debit Cards | 2.00% |
From 0.4680% + € 0.1075 to 0.6915% + € 0.1075 |
| Visa Non - EEA Commercial Credit Cards | 2.00% |
From 0.4720% + € 0.1075 to 0.6965% + € 0.1075 |
| Bancontact Consumer Prepaid and Debit Card | 0.10%, cap € 0.05 | cap € 0.014 |
| Bancontact Commercial Card | 0.10%, cap € 0.05 | cap € 0.014 |
| JCB Consumer Prepaid and Debit Card | 0.20% | 0.0543% |
| JCB Consumer Credit Cards | 0.30% | 0.0543% |
| JCB Commercial Prepaid and Debit Cards | 0.20% | 0.0543% |
| JCB Commercial Credit Cards | 0.30% | 0.0543% |
- 1 If a merchant is in Ireland, Luxembourg, Netherlands, Malta, Spain, Belgium or Italy, it is possible to achieve Interchange rates lower than 0.20% on some Domestic transactions
- 2 Cross Border transactions between the UK and EEA will have Interchange capped at 0.20% for Debit Consumer cards
- 3 Cross Border transactions between the UK and EEA will have Interchange capped at 0.30% for Credit Consumer cards
- 4 If a merchant is in Ireland, Luxembourg, Netherlands, Malta, Belgium or Spain, it is possible to achieve Interchange rates lower than 0.20% on some Domestic transactions
- 5 If a merchant is in Spain, it is possible to achieve Interchange rates lower than 0.30% on some Domestic transactions
- 6 Cross Border transactions between the UK and EEA will have Interchange capped at 0.20% for Debit Consumer cards
- 7 Cross Border transactions between the UK and EEA will have Interchange capped at 0.30% for Credit Consumer cards
- 8 Card Scheme does not differentiate fees as Interchange and Scheme fees. Fees shown in both columns to avoid confusion
Further Information from the Card Schemes on Interchange below:
Card-not-Present
|
Card type |
Interchange range | Scheme fee range |
|---|---|---|
| Visa Domestic Consumer Prepaid and Debit Card1 |
From 0.10% | € 0.02 to 0.20% | € 0.02 |
From 0.036% + € 0.0082 to 0.146% + € 0.0082 |
| Visa Domestic Consumer Credit Cards | 0.30% |
From 0.041% + € 0.0082 to 0.151% + € 0.0082 |
| Visa Domestic Commercial Prepaid and Debit Cards |
From 0.20% | € 0.32 to 2.05% | € 0.32 |
From 0.036% + € 0.0082 to 0.146% + € 0.0082 |
| Visa Domestic Commercial Credit Cards |
From 0.30% to 2.05% |
From 0.041% + € 0.0082 to 0.151% + € 0.0082 |
| Visa EEA Consumer Prepaid and Debit Card | 0.20% |
From 0.036% + € 0.0168 to 0.148% + € 0.0168 |
| Visa EEA Consumer Credit Card | 0.30% |
From 0.041% + € 0.0168 to 0.151% + € 0.0168 |
| Visa EEA Commercial Prepaid and Debit Cards | 1.65% |
From 0.036% + € 0.0168 to 0.148% + € 0.0168 |
| Visa EEA Commercial Credit Cards | 1.65% |
From 0.041% + € 0.0168 to 0.151% + € 0.0168 |
| Visa UK Consumer Prepaid and Debit Card2 | 1.15% |
From 0.286% + € 0.0168 to 1.058% + € 0.1075 |
| Visa UK Consumer Credit Cards3 | 1.50% |
From 0.191% + € 0.0168 to 1.063% + € 0.1075 |
| Visa UK Commercial Prepaid and Debit Cards | 1.60% |
From 0.286% + € 0.0168 to 1.058% + € 0.1075 |
| Visa UK Commercial Credit Cards | 1.60% |
From 0.191% + € 0.0168 to 1.063% + € 0.1075 |
| Visa Non - EEA Consumer Prepaid and Debit Card | € 0.15 | 1.44% |
From 1.036% + € 0.1075 to 1.2445% + € 0.1075 |
| Visa Non - EEA Consumer Credit Cards | 1.44% |
From 1.041% + € 0.1075 to 1.2495% + € 0.1075 |
| Visa Non - EEA Commercial Prepaid and Debit Cards | 2.00% |
From 1.036% + € 0.1075 to 1.2445% + € 0.1075 |
| Visa Non - EEA Commercial Credit Cards | 2.00% |
From 1.041% + € 0.1075 to 1.2495% + € 0.1075 |
| Bancontact Consumer Prepaid and Debit Card | 0.10%, cap € 0.05 | cap € 0.014 |
| Bancontact Commercial Card | 0.10%, cap € 0.05 | cap € 0.014 |
| JCB Consumer Prepaid and Debit Card | 1.15% | 0.0543% |
| JCB Consumer Credit Cards | 1.50% | 0.0543% |
| JCB Commercial Prepaid and Debit Cards | 1.15% | 0.0543% |
| JCB Commercial Credit Cards | 1.50% | 0.0543% |
- 1 If a merchant is in Ireland, Luxembourg, Netherlands, Malta, Belgium or Spain, it is possible to achieve Interchange rates lower than 0.20% on some Domestic transactions
- 2 Interchange on consumer cards issued in the UK and used at EEA based merchants is currently capped at 1.15% for Consumer Debit cards
- 3 Interchange on consumer cards issued in the UK and used at EEA based merchants is currently capped at 1.50% for Consumer Credit cards
- 4 If a merchant is in Ireland, Luxembourg, Netherlands, Malta, Belgium or Spain, it is possible to achieve Interchange rates lower than 0.20% on some Domestic transactions
- 5 If a merchant is in Spain, it is possible to achieve Interchange rates lower than 0.30% on some Domestic transactions
- 6 Interchange on consumer cards issued in the UK and used at EEA based merchants is currently capped at 1.15% for Consumer Debit cards
- 7 Interchange on consumer cards issued in the UK and used at EEA based merchants is currently capped at 1.50% for Consumer Credit cards
- 8 Card Scheme does not differentiate fees as Interchange and Scheme fees. Fees shown in both columns to avoid confusion
Further Information from the Card Schemes on Interchange below:
