Tesco Bank

Founded in 1997 as Tesco Personal Finance, Tesco Bank was initially a joint venture with Royal Bank of Scotland. Only in 2008 did Tesco took over the whole operation under its own banking licence.

Tesco Bank offers a range of banking products including credit cards, savings accounts and loans. Customers can gain Tesco Clubcard points when they purchase financial products.

Tesco Bank also offers travel, car, home and pet insurances.

As of 2016, Tesco Bank is branchless.

Their headquarters are in Edinburgh.

Tesco Bank
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Gold ribbon: first place

Breakdown Cover

Ranked 12th of 31 providers reviewed.

Customer happiness score 61.76%
Customer trust score 57.35%
Complaints performance 62.45%
Transparency rating 65.42%
Fairer Finance score
Reviewed Autumn 2023		 62%

Car insurance

Ranked 27th of 49 providers reviewed.

Customer happiness score 64.26%
Customer trust score 58%
Complaints performance 66.31%
Transparency rating 71.49%
Fairer Finance score
Reviewed Autumn 2023		 65%
Gold ribbon: first place

Credit cards

Ranked 5th of 34 providers reviewed.

Customer happiness score 68.02%
Customer trust score 58.01%
Complaints performance 79.34%
Transparency rating 60.4%
Fairer Finance score
Reviewed Autumn 2023		 66%
Gold ribbon: first place

Home emergency cover

Ranked 4th of 35 providers reviewed.

Customer happiness score 60.98%
Customer trust score 61.89%
Complaints performance 79.28%
Transparency rating 69.92%
Fairer Finance score
Reviewed Autumn 2023		 68%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 15th of 46 providers reviewed.

Customer happiness score 59.5%
Customer trust score 52.7%
Complaints performance 79.64%
Transparency rating 76.34%
Fairer Finance score
Reviewed Autumn 2023		 67%
Gold ribbon: first place

Personal loans

Ranked 4th of 27 providers reviewed.

Customer happiness score 67.69%
Customer trust score 57.58%
Complaints performance 79.04%
Transparency rating 66.14%
Fairer Finance score
Reviewed Autumn 2023		 68%

Pet insurance

Ranked 17th of 35 providers reviewed.

Customer happiness score 58%
Customer trust score 54.1%
Complaints performance 66.7%
Transparency rating 80.68%
Fairer Finance score
Reviewed Autumn 2023		 65%

Savings Accounts

Ranked 28th of 53 providers reviewed.

Customer happiness score 56.9%
Customer trust score 58.37%
Complaints performance 79.04%
Transparency rating 67.84%
Fairer Finance score
Reviewed Autumn 2023		 66%
Gold ribbon: first place

Travel insurance

Ranked 18th of 44 providers reviewed.

Customer happiness score 55.51%
Customer trust score 55.51%
Complaints performance 59.62%
Transparency rating 64.09%
Fairer Finance score
Reviewed Autumn 2023		 59%

Car insurance

Tesco Bank

Car Insurance

3 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £10.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Telematics Car Insurance

Tesco Bank

Box Insurance

3 stars
Cover limit for lost keys i £0.00
Cover limit for Legal Liability Cover for property damage £20,000,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Self-installed or engineer-installed box? i Engineer install
Is device removal mandatory at the end of the contract? i
Is there an excessive speeding restriction?
Can your insurance be cancelled due to a poor driving score?
Can premiums increase due to driving score?
Curfew i
Digital capability i
Cancellation fee (within 14 days) box installed i £80.00
Speed restrictions scenario i Pass
Cover for replacing original audio/visual equipment i Unlimited
Cancellation fee (within 14 days, box not installed) i £30.00
24hr helpline available i
New car replacement i
Cover limit for stolen keys i £0.00
Legal cover for manslaughter defence i Unlimited
Are children's car seats covered?
Cover limit for personal belongings inside car £150.00
Underwriter Aioi Nissay Dowa Insurance UK Limited
Storage after accident i
Vermin & insects i
Misfuelling i

Credit cards

0% balance transfer credit cards

Tesco Bank

Balance Transfer Credit Card

3 stars
Duration of 0% balance transfer offer period i 22 months
Balance transfer fee during promotional period i 3.25%
Representative APR i 24.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3.25%
Representative balance transfer rate i 1.873%
Risk based? i

Tesco Bank

Low Fee Balance Transfer Card

3 stars
Duration of 0% balance transfer offer period i 15 months
Balance transfer fee during promotional period i 1.99%
Representative APR i 24.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 1.99%
Representative balance transfer rate i 1.873%
Risk based? i

0% purchase credit cards

Tesco Bank

Clubcard Plus Credit Card

1 stars
Duration of purchases offer period i 24, 20 or 16 months
Representative APR i 37.7%
Highest APR i 47.7%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.527%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Cashback and reward credit cards

Tesco Bank

Low Fee Balance Transfer Card

2 stars
Reward extras i
Representative APR i 24.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.75%

Tesco Bank

Balance Transfer Credit Card

2 stars
Reward extras i
Representative APR i 24.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.75%

Tesco Bank

Low APR

2 stars
Reward extras i
Representative APR i 10.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.75%

Tesco Bank

Clubcard Plus Credit Card

1 stars
Reward extras i
Representative APR i 37.7%
Risk based? i
Annual fee in first year i £95.88
Annual fee after first year i £95.88
Foreign purchase fee i 3.99%

Tesco Bank

Foundation

1 stars
Reward extras i
Representative APR i 29.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.75%

Credit builder credit cards

Tesco Bank

Foundation

3 stars
Representative APR i 29.9%
Representative cash transaction interest rate i 2.84%
Representative purchase rate i 2.207%
Risk based? i
Initial minimum credit limit i £100.00
Representative balance transfer rate i 2.207%
Statement Due Date Change Fee i £0.00

Foreign use credit cards

Tesco Bank

Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3.99%
Representative APR i 24.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.873%

Tesco Bank

Clubcard Plus Credit Card

1 stars
Foreign purchase fee i 3.99%
Foreign withdrawal fee i 3.99%
Representative APR i 37.7%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.527%

Tesco Bank

Low Fee Balance Transfer Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3.99%
Representative APR i 24.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.873%

Tesco Bank

Low APR

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3.99%
Representative APR i 10.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 0.869%

Tesco Bank

Foundation

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3.99%
Representative APR i 29.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 2.207%

Low rate credit cards

Tesco Bank

Low APR

4 stars
Representative APR i 10.9%
Highest APR i 17.9%
Representative purchase rate i 0.869%
Risk based? i
Representative balance transfer rate i 0.908%
Representative money transfer rate i 0.908%

Money transfer credit cards

Tesco Bank

Low Fee Balance Transfer Card

4 stars
Money transfer rate during promotional period i 0%
Duration of money transfer offer period i 9 months
Money transfer fee during promotional period i 3.99%
Representative APR i 24.9%
Risk based? i
Representative cash transaction interest rate i 2.207%

Tesco Bank

Balance Transfer Credit Card

4 stars
Money transfer rate during promotional period i 0%
Duration of money transfer offer period i 9 months
Money transfer fee during promotional period i 3.99%
Representative APR i 24.9%
Risk based? i
Representative cash transaction interest rate i 2.207%

Home emergency cover

Tesco Bank

Home Emergency Cover

3 stars
Home Security Cover i
Home Emergency Cover limit i £1,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £200.00
Unoccupied period i Not Specified
Claims limit i Unlimited

Home insurance (building and contents)

Tesco Bank

Home Insurance

4 stars
Theft from outbuildings i £5,000.00
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Alternative accommodation cover limit for buildings i £50,000.00
Escape of water excess i £250.00
Additional escape of water excess i £0.00
Flood excess i £100.00
Cover away from home offered for: jewellery Optional
Keys/locks if lost or stolen (Buildings) i Sum insured
Trace and access i £5,000.00
Buildings cover limit i Unlimited
Money in the home i £500.00
Contents sum insured i £100,000.00
Visitor's possessions i £1,000.00
Office equipment i £10,000.00
Alternative accommodation cover limit for contents i £15,000.00
Escape of water excess (minimum) i £250.00
Cancellation fee after 14 days i £35.00
Cancellation fee within 14 days i £0.00
Contents compulsory excess i £100.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £10,000.00
Replace belongings new for old i

Buildings insurance

Tesco Bank

Home Insurance

4 stars
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Escape of water excess (minimum) i £250.00
Buildings compulsory excess i £100.00
Escape of water excess i £250.00
Unoccupied period i 60.00
24hr helpline i
Cancellation fee after 14 days (buildings) i £35.00
Amendment fee (telephone) i £25.00
Property owner liability i £2,000,000.00

Contents insurance

Tesco Bank

Home Insurance

4 stars
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings i £5,000.00
Windspeed (mph) i 55 mph
Property owner liability i £2,000,000.00

Personal loans

Tesco Bank

Online Personal Loan

Representative APR (on £5,000 loan, 36 month term) 7.9%
Unpaid Repayment Fee i £12.00
Early settlement fee (Days interest) 60 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £35,000.00
Minimum borrowing length 12 months
Maximum borrowing length 120 months

Pet insurance

Cat insurance

Tesco Bank

Premier £4,000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,000.00
Medical excess i £60.00
Annual policy limit i £4,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £4,000.00
Cruciate ligament damage i £4,000.00
CT scans i £4,000.00
MRI scans i £4,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £1,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £5,000.00
Holiday cover i £4,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £300.00
Maximum number of days abroad i 30 days
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Tesco Bank

Extra £4000

5 stars
Type of cover i Maximum benefit, condition
Medical cover limit i £4,000.00
Medical excess i £60.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £4,000.00
Dental cover (if due to an accident) i £4,000.00
Cruciate ligament damage i £4,000.00
CT scans i £4,000.00
MRI scans i £4,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £1,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £5,000.00
Holiday cover i £4,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £300.00
Maximum number of days abroad i 30 days
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Tesco Bank

Extra £7500

5 stars
Type of cover i Maximum benefit, condition
Medical cover limit i £7,500.00
Medical excess i £60.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £7,500.00
Dental cover (if due to an accident) i £7,500.00
Cruciate ligament damage i £7,500.00
CT scans i £7,500.00
MRI scans i £7,500.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £1,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £5,000.00
Holiday cover i £7,500.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £300.00
Maximum number of days abroad i 30 days
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Tesco Bank

Premier £7,500

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,500.00
Medical excess i £60.00
Annual policy limit i £7,500.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £7,500.00
Cruciate ligament damage i £7,500.00
CT scans i £7,500.00
MRI scans i £7,500.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £1,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £5,000.00
Holiday cover i £7,500.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £300.00
Maximum number of days abroad i 30 days
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Tesco Bank

Premier £10,000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £60.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £10,000.00
CT scans i £10,000.00
MRI scans i £10,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £1,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £5,000.00
Holiday cover i £10,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £300.00
Maximum number of days abroad i 30 days
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Tesco Bank

Standard

3 stars
Type of cover i Time-limited
Medical cover limit i £3,000.00
Medical excess i £60.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £3,000.00
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £500.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £5,000.00
Holiday cover i £3,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £300.00
Maximum number of days abroad i 30 days
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Tesco Bank

Premier £2,000

3 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,000.00
Medical excess i £60.00
Annual policy limit i £2,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £1,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £5,000.00
Holiday cover i £2,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £300.00
Maximum number of days abroad i 30 days
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Tesco Bank

Accident & Injury

1 stars
Type of cover i Time-limited
Medical cover limit i £3,000.00
Medical excess i £60.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £3,000.00
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £0.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £500.00
Boarding fees limit i £0.00
Death benefit (illness) i £0.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Dog insurance

Tesco Bank

Premier £4,000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,000.00
Medical excess i £60.00
Annual policy limit i £4,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £4,000.00
Cruciate ligament damage i £4,000.00
CT scans i £4,000.00
MRI scans i £4,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £4,000.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Tesco Bank

Extra £4000

5 stars
Type of cover i Maximum benefit, condition
Medical cover limit i £4,000.00
Medical excess i £60.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 4,000
Dental cover (if due to an accident) i £4,000.00
Cruciate ligament damage i £4,000.00
CT scans i £4,000.00
MRI scans i £4,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £4,000.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Tesco Bank

Extra £7500

5 stars
Type of cover i Maximum benefit, condition
Medical cover limit i £7,500.00
Medical excess i £60.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 7,500
Dental cover (if due to an accident) i £7,500.00
Cruciate ligament damage i £7,500.00
CT scans i £7,500.00
MRI scans i £7,500.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £7,500.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Tesco Bank

Premier £7,500

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,500.00
Medical excess i £60.00
Annual policy limit i £7,500.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £7,500.00
Cruciate ligament damage i £7,500.00
CT scans i £7,500.00
MRI scans i £7,500.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £7,500.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Tesco Bank

Premier £10,000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £60.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £10,000.00
CT scans i £10,000.00
MRI scans i £10,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £10,000.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Tesco Bank

Premier £2,000

3 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,000.00
Medical excess i £60.00
Annual policy limit i £2,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £2,000.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Tesco Bank

Standard

3 stars
Type of cover i Time-limited
Medical cover limit i £3,000.00
Medical excess i £60.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 3,000
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £3,000.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Tesco Bank

Accident & Injury

1 stars
Type of cover i Time-limited
Medical cover limit i £3,000.00
Medical excess i £60.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 3,000
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £0.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Savings Accounts

1 Year Fixed Rate Accounts

Tesco Bank

Fixed Rate Saver

Interest Rate (AER) i 5.1%
Minimum Opening Balance i £2,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £5,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

18 Month Fixed Rate Bonds

Tesco Bank

Fixed Rate Saver

Interest Rate (AER) i 5%
Minimum Opening Balance i £2,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £5,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

2 Year Fixed Rate Accounts

Tesco Bank

Fixed Rate Saver

Interest Rate (AER) i 4.8%
Minimum Opening Balance i £2,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £5,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

3 Year Fixed Rate Accounts

Tesco Bank

Fixed Rate Saver

Interest Rate (AER) i 4.6%
Minimum Opening Balance i £2,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £5,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

5 Year Fixed Rate Accounts

Tesco Bank

Fixed Rate Saver

Interest Rate (AER) i 4.3%
Minimum Opening Balance i £2,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £5,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Easy Access Accounts

Tesco Bank

Internet Saver

Interest Rate (AER) i 4.75%
Minimum Opening Balance i £1.00
Maximum Balance i £0.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Additional Information i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Tesco Bank

Fixed Rate Cash ISA

Interest Rate (AER) i 5.1%
Minimum Opening Balance i £1.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 90 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

Tesco Bank

Instant Access Cash ISA

Interest Rate (AER) i 4.3%
Minimum Opening Balance i £1.00
Part of FSCS i
Withdrawal Penalty i Maximum withdrawal for online transfers of £10,000 to non-Tesco Bank accounts, £100,000 limit for Tesco Bank accounts
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Junior ISAs

Tesco Bank

Junior Cash ISA

Interest Rate (AER) i 4%
Part of FSCS i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 0
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Are early withdrawals allowed? i
Conditions of early withdrawal i
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Travel insurance

Annual multi-trip insurance

Tesco Bank

Standard

4 stars
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £250.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 31 days

Tesco Bank

Premier

4 stars
Medical excess i £0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cancelling before travel cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £20,000,000.00
Mental health cover i
Personal money i £750.00
Combined passport & travel documents cover limit i £500.00
Cutting trip short (curtailment) cover limit i £10,000.00
Abandoning your trip (abandonment) cover limit i £10,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 31 days

Tesco Bank

Economy

3 stars
Medical excess i £99.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Cancelling before travel cover limit i £1,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £250.00
Combined passport & travel documents cover limit i £250.00
Cutting trip short (curtailment) cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £1,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 31 days

Single trip insurance

Tesco Bank

Backpacker Premier

4 stars
Cancelling before travel cover limit i £10,000.00
Medical excess i £0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cutting trip short curtailment cover limit i £10,000.00
Missed departure cover limit i £1,500.00
Abandoning your trip (abandonment) cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £20,000,000.00
Personal money i £750.00
Combined passport & travel documents limit i £500.00

Tesco Bank

Standard

4 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cutting trip short curtailment cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £250.00

Tesco Bank

Premier

4 stars
Cancelling before travel cover limit i £10,000.00
Medical excess i £0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cutting trip short curtailment cover limit i £10,000.00
Missed departure cover limit i £1,500.00
Abandoning your trip (abandonment) cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £20,000,000.00
Personal money i £750.00
Combined passport & travel documents limit i £500.00

Tesco Bank

Backpacker Economy

3 stars
Cancelling before travel cover limit i £1,000.00
Medical excess i £99.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Cutting trip short curtailment cover limit i £1,000.00
Missed departure cover limit i £500.00
Abandoning your trip (abandonment) cover limit i £1,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £250.00
Combined passport & travel documents limit i £250.00

Tesco Bank

Economy

3 stars
Cancelling before travel cover limit i £1,000.00
Medical excess i £99.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Cutting trip short curtailment cover limit i £1,000.00
Missed departure cover limit i £500.00
Abandoning your trip (abandonment) cover limit i £1,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £250.00
Combined passport & travel documents limit i £250.00

Travel insurance add-on: cruise cover

Tesco Bank

Economy

2 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £1,000.00
Missed port departure excess i £99.00
Timetable/itinerary change cover limit i £500.00
Unused excursions cover limit i £500.00

Tesco Bank

Standard

2 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £1,000.00
Missed port departure excess i £75.00
Timetable/itinerary change cover limit i £500.00
Unused excursions cover limit i £500.00

Tesco Bank

Premier

2 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £1,000.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £500.00
Unused excursions cover limit i £500.00

Travel insurance add-on: winter sports

Tesco Bank

Premier

2 stars
Ski equipment owned cover limit i £1,500.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300.00
Avalanche closure cover limit i £250.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £0.00
Ski equipment hired i £300.00
Single item limit for hired equipment i £300.00
Unused ski pass due to illness or injury i £0.00

Tesco Bank

Standard

2 stars
Ski equipment owned cover limit i £1,000.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300.00
Avalanche closure cover limit i £200.00
Piste closure cover limit i £300.00
Ski equipment owned excess i £75.00
Ski equipment hired i £300.00
Single item limit for hired equipment i £300.00
Unused ski pass due to illness or injury i £0.00

Tesco Bank

Economy

1 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300.00
Avalanche closure cover limit i £0.00
Piste closure cover limit i £0.00
Ski equipment owned excess i £99.00
Ski equipment hired i £300.00
Single item limit for hired equipment i £300.00
Unused ski pass due to illness or injury i £0.00