Training Example: Tesco Bank – Review the Data, Give Your Score & Compare to the Real AI Evaluation

Compare our range of Clubcard Credit Cards.

Find the right loan for you.

Help your money grow with us.

Helpful information and tools to support you.

Trustpilot

[H2] Manage your money in seconds
With our Mobile Banking App, it's easy to bank on the go, wherever you are:Check for Balance and Money Transfers at any time Block/unblock your card, order replacements and update your details quickly Set payment‑due alerts to avoid charges and stay on top of your spending

[H2] Nipping to Tesco? Don't forget your Clubcard
Get Clubcard Prices, collect Clubcard points and enjoy 2x more value from your Clubcard vouchers across 100+ exciting Reward Partners.

[IMG: Clubcard Prices]

[H2] Bright ideas for smarter spending
Who says summer has to be costly? Stay on the sunny side with our handy budgeting guides to keep spending in check.

[H2] Need extra help?

[H3] Visit our Security and Fraud Hub

Learn about recent scams, how to protect yourself online and how to report fraud.

Security and Fraud Hub

[H3] Browse our Accessibility Hub

Tailor the way we share information to ensure that you get the most out of your experience.

Accessibility Hub

Clubcard Prices

[H2] 6.0% APR

representative

Our lowest rate is available for Clubcard members on loans from £7,500 - £25,000, over 1 to 5 years.
Other amounts and terms are available at different rates. Enter your Clubcard number when you apply.

Available to UK residents aged 18 and over. Rates will vary depending on loan amount, term and individual circumstances.Subject to status.

[H2] Apply using our loan calculator

Use our loan calculator to tell us how much you want to borrow, and we’ll show you an example of what you might repay.

Loan calculator

Car loan

Holiday loan

Home improvement loan

Wedding loan

Joint loan

Debt consolidation loan

Long term loan

Small loan

Large loan

[H2] Why choose a Tesco Bank personal loan:

Clubcard Prices

Enter your Clubcard number when you apply and if you're accepted you'll get a better rate.

Amounts available to borrow from £3,000 to £35,000

And loan terms of 1 to 10 years.

Take a payment break

If you’re eligible you could apply to delay your repayments by 2 months at the start of your loan.

Funds straight to your account

You could get the money in your account within 24 hours. This will vary depending on the outcome of your loan application.

Fixed monthly payments on a date you choose

Your monthly payments will be for the same amount each month. And you can choose a payment date that suits you.

Make overpayments with no fees

This could help you pay off your loan faster and save money overall.

Pay off your loan early

Pay your loan off in one lump sum and you could save money on interest - a 2 month interest charge will be applied.

Apply to borrow more

If you need to borrow more, you may be able to do so.

Find out more about our loans by checking our FAQs below.

[H2] Apply or check your eligibility using our loan calculator

Use our repayment calculator to tell us how much you want to borrow, and we’ll show you an example of what you might repay.

Loan calculator

Resume saved application

[H2] Lending made lighter
Join our 2.4 million customers managing their money with our Mobile Banking App.View your balance and remaining term.Keep on top of your next payment date.Make an additional loan payment or see how much it
would cost to pay off your loan early. Mobile App benefits

[H2] Personal Loans

[H3] Buying a car with a loan

Found your dream car or just need to change your runaround? A Tesco Bank Loan could get you going.

[H3] Consolidate your debt with a loan

If it's right for you and your circumstances, a debt consolidation loan from Tesco Bank could help you manage your money better, with a simple monthly payment.

[H3] A loan for home improvements

A Tesco Bank Loan could be a smart way to upgrade and add value to your home, without adding to your mortgage.

[H3] Get a joint loan

If taking on a personal loan by yourself doesn't feel right for you, then a joint loan with a trusted friend, close relative or your partner may be the solution.

[H3] Pay for a wedding with a loan

Planning a big do, a smaller wedding, or something in between? A Tesco Bank Loan could help pay for the perfect day.

[H3] Plan a holiday with a loan

Thinking about the trip-of-a-lifetime? You could make your travel plans happen with a Tesco Bank Loan.

[H3] Small loans

Looking for a loan between £3,000 and £7,500?

[H3] Large loans

Looking for a loan between £7,500 and £35,000?

[H3] Long term loans

We have loans with terms of 1-10 years on amounts £10,000 to £25,000.

[H3] £35,000 loans

If you're planning a big change to your home a £35,000 loan from Tesco Bank could help.

[H3] £30,000 loans

Need money for major home improvements? Taking out a £30,000 loan from Tesco Bank could be the answer.

[H3] £25,000 loans

Looking to replace your kitchen and bathroom or build an extension? A loan of £25,000 could help you to make your dream home real.

[H3] £20,000 loans

A £20,000 loan from Tesco Bank could help you to fund a kitchen extension or conservatory, or might be an option to consider if you’re looking to refinance.

[H3] £15,000 loans

Depending on your circumstances, a loan of £15,000 could be a great way to streamline different debt repayments, or to fund a new car or home improvement project.

[H3] £10,000 loans

A £10,000 loan from Tesco Bank could help you fund a wedding, pay for a second vehicle, or redecorate your home.

[H3] £7,000 loans

A loan of £7,000 might be ideal to put towards buying a new car, or you need to put extra cash towards a wedding.

[H3] £5,000 loans

Buying a car or shelling out for a special family holiday can be expensive. A £5,000 loan could give you the cash you need up front.

[H3] £3,000 loans

Planning a holiday of a lifetime or looking to furnish your new home? With a £3,000 loan you could have the freedom to pay up front.

[H2] Looking to manage your existing Tesco Bank Loan?

Looking to borrow more, or simply have some questions? Visit our existing loan customer page.

[H2]
FAQs about our loans

Can I apply for a loan? And what rate will I receive?

Anyone can apply for a loan as long as they’re a UK resident and aged 18 or over.
When you apply we’ll ask some questions about your circumstances to check that we can offer you a loan.
If you’d like to see how likely you are to be accepted before applying – and without impacting your credit score – use our Loan Calculator and hit ‘check my eligibility’.

[H3] Representative example

Representative 6.4% APR, based on a loan amount of £10,000, over 5 years, at a Fixed Annual Interest Rate of 6.2196% (nominal). This would give you a monthly repayment of £194.35 and a total amount repayable of £11,661.00.

This representative APR applies to loans of £7,500 – £25,000 over 1 to 5 years. We also offer loans between £3,000 – £35,000 and have terms available between 1 to 10 years.
The rate you’re offered may differ as that depends on the amount you apply for and our review of your circumstances. The maximum APR you could expect is 34.5% APR.

Is a credit check done during my loan application?

Yes, we do a credit check when you apply for a loan.
You can find out how likely you are to be accepted first without affecting your credit score by using our Eligibility Checker. This runs a soft search on your file and keeps your credit score safe.

How soon can I get my loan?

If you're approved and you're eligible to digitally sign, you’ll most likely get your loan within 24 hours, but please leave up to 48 hours before calling us.
In some cases we might not be able to accept your application straight away. In that case we’ll need to get more information from you which can take 5 to 10 days for us to make sure everything is okay before we approve your application and send you the funds.

How do I make my monthly payments?

You’ll pay the same amount each month by Direct Debit on a date you choose.
Your first payment will be taken one month after you get your loan unless you’ve been accepted for a payment break in your application.

Will my monthly payments ever change?

No, our loans are a fixed rate which means your monthly Direct Debit payments will be the same every month until your loan is paid off. Nice and simple.
If you make overpayments towards your loan, then you can always choose to reduce your monthly payments instead of reducing your term, which of course would mean you could pay less each month. Though remember, you usually save more on interest by reducing the term.

Can I take a payment break?

When you apply for a loan you may be eligible for a 2 month payment break at the start of your loan. This means you won’t start paying your loan back straight away.
Interest will be charged during the payment break and your overall loan period will be extended by 2 months, which means that you’ll pay an extra 2 months' interest.
If you’re struggling with your payments throughout your loan and feel you need a break, we can still help. Visit our financial difficulty page to find out more.

Can I pay my loan back early?

Yes, there are 2 ways you can do this:
By making extra payments
You can do this at any time during your loan without paying any fees. These overpayments will go towards reducing the length of your loan (unless you ask us to reduce your monthly payments instead). This means there’s less interest to be charged, which means you could save money overall. There are various ways you can make these payments.
By paying your loan off in full
You can pay your loan off in full anytime. You’ll need to pay a 2 month interest charge for doing this, but you could save money on interest overall. You can find out how much it would cost to settle your loan early, and how much you could save, at any time by asking us for an Early Settlement Figure.

Can I apply to borrow more?

Yes, you can apply to borrow more once you’ve made 8 consecutive monthly payments on your existing loan.
You can find out more about borrowing more on our existing customer page.

What happens if I miss a payment?

If you miss a loan payment we’ll automatically try to take the payment again within 10 to 14 days.
If you're struggling to make your monthly payment amount, please don’t panic, we’re not here to add to the stress, we’re here to help. All you need to do is reach out to chat about your situation. Our page on financial difficulty tells you more about what we can do to help and how to get in touch.
If you don’t get in touch, and end up falling behind on your repayments, there could be charges for late or missed payments. So it’s important that you reach out to us as soon as you can.

What is APR (Annual Percentage Rate) and annual rate of interest?

The APR is the total cost of borrowing, as a percentage of the amount you owe, over a year.
The APR is calculated from the annual rate of interest plus any upfront fees. It gives you a way to compare the cost of different loan and credit offers.
The annual rate of interest is the amount of interest that will be charged on your loan, as a percentage of the amount you owe, over a year.

Who provides the loan?

Our loans are provided by Tesco Bank, PO Box 27014, Glasgow, G2 9FE.
Tesco Bank is a trading name of Barclays Bank UK PLC. For more information on what this means please go to tescobank.com/transfer-scheme.

How to contact us

Need a few questions answered? Our UK-based teams are here to talk to you seven days a week. Lines are open Monday to Friday, 8am to 8pm, and Saturday to Sunday, 9am to 3pm.
Check our different phone lines based on your query.

All FAQs

Apply or check your eligibility using our loan calculator.

[H1] Clubcard Pay+ is closed

[H2] Our Clubcard Pay+ account closed on 26 April 2026
Following a careful review of our products, we made the decision to close our Clubcard Pay+ and Round Up accounts to focus on our range of other accounts.We contacted all customers ahead of the closure about what to expect and do.

[H2] On this page:

What do I need to know about the closure?

Options for staying with us

Terms and conditions

Continuing to collect Clubcard points

FAQs

Contact details

[H2] I was a Clubcard Pay+ holder, what do I need to know?
From 26 April 2026 you can no longer use your Clubcard Pay+ card or access your Clubcard Pay+ and Round Up accounts in our Mobile Banking App or Online Banking.If Clubcard Pay+ and Round Up were the only accounts you held with us, you’ll no longer have access to our Mobile App or Online Banking as these are for existing customers only.If you had money in your account on 26 April, you’ll receive a cheque for the balance by 24 May, along with your closing statement. If you had any pending transactions or disputes at closure, these may arrive later. You may have received an interest payment into your Round Up account on 31 March, so if you cleared your balance before this date you may still have been due funds.You have 6 months from the date your cheque is issued to cash it in. You can see the easiest ways to cash cheques below.We asked all customers to check that their contact details and address were up to date. If you’re worried about the cheque being sent to the wrong address, please see our FAQ on how to check or update your postal address.

[H2] Keep collecting Clubcard points

Now that your Clubcard Pay+ account has closed, you can’t use your Clubcard Pay+ card to collect Clubcard points.However, you’ll still keep the Clubcard account that was linked to your Clubcard Pay+. This means you can continue collecting points as usual when you shop at Tesco - just scan your digital or plastic Clubcard at the till.
[H3] How do I get a digital Clubcard?
It’s easy to set up a digital Clubcard through the Tesco app.You’ll be asked to enter your Clubcard number - you can find this on the back of your Clubcard Pay+ card or your Clubcard statements.In the app choose Sign In and you’re good to go.If you don’t know your Clubcard number, or you can’t sign in, visit Clubcard FAQs.

[H2] Want to keep saving with us?

If you’ve got into a good saving habit, why not keep it going with one of our Instant Access accounts?

Instant Access Savings

All savings accounts

[H2] Clubcard Pay+ closure FAQs

How do I cash in my cheque?

Your cheque can be paid into an account held in your name. If the name on your cheque is out of date, please contact us.Depending on your account provider, the ways you can pay in a cheque usually include:with their Mobile Appat some ATMsin a branchat the Post OfficeCheck with your current account provider to find your options.

How do I check or update my postal address?

If you think your address may be wrong and any cheques or letters may have gone to the wrong address, there are a few things we can do:If you have other Tesco Bank accounts: you can check your details in our Mobile App or Online Banking. If you can see it’s incorrect please contact us so we can send your money and closing statement to the right place.If Clubcard Pay+ was your only Tesco Bank account: you’ll no longer have access to our Mobile App or Online Banking to check your contact details. Instead, please contact us to check your contact details.If you know your address was incorrect when your account closed, please contact us so we can get your money and closing statement sent to you.

How do I know if I had a balance on my accounts?

You’ll see it on your closing statement – this will be posted to you by 24 May.It will also show any earned interest on your Round Up account. If you want to understand if and why you would be due interest, check our FAQ on how do I know if I was due interest from my Round Up account?

How do I know if I was due interest from my Round Up account?

If you had money in your Round Up account at any time between 31 March 2026 and 26 April 2026, you may have earned interest.Interest is calculated and paid annually on 31 March, so even if you didn’t add money during that time, you may still have received an interest payment into the account if it was due to you.Interest is earned daily, so unless you move the interest payment out your account on the same day it’s paid, it will continue to earn interest until the account closes.When your account closes on 26 April 2026, any remaining interest will be calculated and paid shortly after.You would have received an interest payment on 31 March 2026 if you had a balance in your Round Up account at any point between March 2025 and March 2026, even if your balance is zero by then.

I haven’t received my cheque, where is it?

If you are due a cheque it will arrive by 24 May unless you had any transactions, disputes or chargebacks pending on the 26 April. In this case the cheques will arrive by 15 June.If you think that your postal address could be out of date, check our FAQ on How do I check or update my postal address?If your details were correct and you were due to receive a cheque by the dates outlined above but haven’t, please contact us.

Is there another spending card I can use?

The only spending products we offer are our Credit Cards. We don’t offer another spending card like Clubcard Pay+.

I can’t access my Mobile App or Online Banking, what should I do?

If Clubcard Pay+ and Round Up were the only Tesco Bank accounts you held with us, you’ll no longer be able to access our Mobile App and Online Banking as these are for existing customers only. If you still need to check information about your account, please contact us instead.If you have other Tesco Bank accounts, you should still have access to our Mobile App and Online Banking. For help logging in visit:Online Banking Logging in SupportMobile App Logging in Support

[H3] Terms and Conditions and other documents

Terms and Conditions and other key documents

Notifications of changes

These are the terms that apply to your Clubcard Pay+ today.
Clubcard Pay+ Terms and Conditions (359KB, pdf)
Round Up Summary Box (66KB, pdf)
Clubcard Pay+ Glossary of Terms (49KB, pdf)
Clubcard Pay+ Fee Information Document (94KB, pdf)

From time to time, we update our Terms & Conditions. We'll send you a notification of these changes before they come into effect.Here you can find copies of the notifications we’ve sent.
Changes to your Clubcard Pay+ and Round Up accounts – issued June 2024 (433KB, pdf)

[H2] Contact us

Contact us by phone

How can we help?

Opening hours

Contact details

Customer services

Monday to Friday: 8am to 6pm
Saturday and Sunday: 9am to 3pm

0345 835 6295*

Alternatively, if you need a different type of support visit our dedicated support pages for complaints and financial difficulty.
If you have difficulties with your hearing or speech, contact us through the Relay UK app. You can find out how to use Relay UK on their website.
British Sign Language (BSL) users can also contact us via a BSL interpreter who will call us and interpret the conversation for you. To find out more about contacting us using British Sign Language visit our accessibility page.
*This number may be included as part of any inclusive call minutes provided by your phone operator.

[H1] Helpful finance tools and guides

Whether you’re just trying to keep on top of your finances or saving for a life event, we have a range of guides and calculators to help you get where you need to be.

[H2] Cost of living

Feel like you’re paying more than you used to for everything? Make your money go further with these practical guides, full of ideas to help you feel more in control.

[H3] Cost of living guides

Ideas to help you spend less and even save a little here and there

[H2] Everyday money

From banking to budgeting, there’s ways to make your money work better for you.

[H3] A guide to borrowing

Understanding credit card types, credit scores, and more

[H3] A guide to savings and ISAs

Learn about savings account types, how ISAs work, paying tax on your savings and much more

[H3] How to save money

Become a savvy spender, learn how to save money on bills

[H2] Life events

Exciting life moment ahead? Don't let money get in the way.

[H3] Buying a car

Car loans and costs explained

[H3] Getting ready to have a baby

Helping you plan for the cost of having a baby

[H3] Moving in together

Saving for a house, joint bank accounts and more

[H3] Buying a house

Plan ahead and buy your new home with minimal fuss

[H2] Product guides and calculators

Packed with helpful information and calculators, we can help you get to grips with our products.

[H3] Learn about Loans

Find out if a loan is right for you

Our guide to loans

[H3] Credit Cards

Get the lowdown with our handy guides

Learn about credit cards

[H2] Savings accounts

What are your options, and what’s best for you?

Our guide to saving