MSE News: Credit and debit card fee clampdown begins

m4rk1407

Can anyone help me with a query?

The 24 hours petrol station near me charges 30p if you spend less than £5 and wish to pay by debit card.

The shop near me charged 75p when I spent over £20 on goods paying with my debit card.

Are there any laws regarding this?

Cheers

mouthyman

m4rk1407 wrote: »

Can anyone help me with a query?

The 24 hours petrol station near me charges 30p if you spend less than £5 and wish to pay by debit card.

The shop near me charged 75p when I spent over £20 on goods paying with my debit card.

Are there any laws regarding this?

Cheers

This should make your suppliers sit up and pay attention: www. which.co.uk/campaigns/personal-finance/card-surcharges/report-rip-off-surcharges

Debit cards since 06 April 2013 should not be charging more than 50p. Your shop should be informed of this and only revillied if they do not reduce the charge to 50p. They should also refund to keep the goodwill.

Credit cards should not be charging more than 2%.

In your example the garage is within the rules. However maybe a letter to the manager stating that you will be going to another place so long as the threat is practical and actionable that does not make this charge might be enough to get it scrapped?

m4rk1407

Thank you for the information.

The 30p charge under £5 doesn't bother me so much, but 75p even when spending over £20 - to me sounded ludicrous.

bernherts

If the excess charges have been stopped, how do British Airways get away with a "surcharge" of £4.50 per passenger (not per transacton) what a rip off

Quote from their booking site:

If you choose to pay using a UK billed credit card or PayPal, you will incur a surcharge of £4.50 per passenger.

mouthyman

bernherts wrote: »

If the excess charges have been stopped, how do British Airways get away with a "surcharge" of £4.50 per passenger (not per transacton) what a rip off

Quote from their booking site:

If you choose to pay using a UK billed credit card or PayPal, you will incur a surcharge of £4.50 per passenger.

Then use the link here (deleting the gaps) www. which.co.uk/campaigns/personal-finance/card-surcharges/report-rip-off-surcharges to snitch to Which about BA. The most that BA could be charging is 2% per card transaction, AND NO MORE! Not per clouds in the sky, not per money pig flying around the room and not per passenger!

reclusive46

bernherts wrote: »

If the excess charges have been stopped, how do British Airways get away with a "surcharge" of £4.50 per passenger (not per transacton) what a rip off

Quote from their booking site:

If you choose to pay using a UK billed credit card or PayPal, you will incur a surcharge of £4.50 per passenger.

I prefer that method and it normally works out much cheaper for me.

liuaq

i've just booked a holiday paying the deposit with my nationwide visa debit card; they told me this would incur a service charge of 2%.
i feel it's partly my own fault for not reading the smallprint properly.."any payment made by credit card OR non UK registered debit card are sybject to a 2% service charge".
Can they do this? i've asked them to justify the charge as i've never seen one this high for a debit card before.
I've also asked them to provide details of alternative methods of payment which don't incur a fee, but what do i do if they say that there isn't one?
what on earth is a "non uk registered" debit card anyway,,i couldn't find any info. when i googled it?
cheers.

reclusive46

liuaq wrote: »

i've just booked a holiday paying the deposit with my nationwide visa debit card; they told me this would incur a service charge of 2%.
i feel it's partly my own fault for not reading the smallprint properly.."any payment made by credit card OR non UK registered debit card are sybject to a 2% service charge".
Can they do this? i've asked them to justify the charge as i've never seen one this high for a debit card before.
I've also asked them to provide details of alternative methods of payment which don't incur a fee, but what do i do if they say that there isn't one?
what on earth is a "non uk registered" debit card anyway,,i couldn't find any info. when i googled it?
cheers.

Non uk registered means a card issued from outside the UK. You shouldn't have been charged any fees.

kloana

liuaq wrote: »

i've just booked a holiday paying the deposit with my nationwide visa debit card; they told me this would incur a service charge of 2%.
i feel it's partly my own fault for not reading the smallprint properly.."any payment made by credit card OR non UK registered debit card are sybject to a 2% service charge".
Can they do this? i've asked them to justify the charge as i've never seen one this high for a debit card before.
I've also asked them to provide details of alternative methods of payment which don't incur a fee, but what do i do if they say that there isn't one?
what on earth is a "non uk registered" debit card anyway,,i couldn't find any info. when i googled it?
cheers.

Have you (or they) got confused here?

Their T&Cs state that credit or non-UK cards attract a fee. You're using neither of them.

It's quite uncommon to pay charges for paying via debit card - though by no means unheard of.

liuaq

reclusive46 wrote: »

Non uk registered means a card issued from outside the UK. You shouldn't have been charged any fees.

That makes a lot of sense to me; let's hope it does to them when they come back to me, I'm sure it was a genuine mistake!
thanks for all replies.