Big change as of November 2024
Tesco Bank in 60 seconds
No customer action neededYour Tesco Bank logins, cards and Clubcard rewards continued working as normal after the transfer. The change happened in the background under the Banking Business Transfer Scheme approved by the High Court on 17 October 2024.
What changed in November 2024
Tesco announced the sale of Tesco Bank’s personal banking business to Barclays in February 2024. The deal received High Court approval on 17 October 2024 and the legal transfer completed on 1 November 2024. From that date, Tesco Bank credit cards, personal loans and savings accounts moved to Barclays Bank UK PLC, with no break in service.
Now run by Barclays under the Tesco Bank brand
- ✓Tesco Bank Clubcard Credit Cards (purchase, balance transfer, money transfer, credit-building).
- ✓Tesco Bank personal loans (car, home improvement, debt consolidation, wedding, holiday, joint).
- ✓Tesco Bank savings: fixed-rate, fixed and instant-access ISAs, easy-access.
- ✓Clubcard Pay+: still in operation; converts spending into Clubcard points.
Stayed with Tesco directly (not part of the sale)
- ●Tesco insurance (car, home, pet, travel, life).
- ●Tesco travel money.
- ●Tesco ATMs in stores.
- ●Tesco gift cards and the broader Clubcard programme.
Why this mattersIf you hold a Tesco Bank credit card, loan or savings account, you are now a Barclays customer in everything except branding. The product range available under the Tesco Bank name is a subset of what Barclays offers across its other brands — see our Barclays UK review for the full picture.
Tesco Bank products in 2026
Tesco Bank Clubcard Credit Card
Earn Clubcard points on every £1 spent in Tesco and on most spending elsewhere. Range covers purchase, balance transfer, money transfer and credit-building cards.
- Earn Clubcard points on spend.
- Multiple intro 0% offers available.
- Operated by Barclays since Nov 2024.
Tesco Bank Personal Loan
Unsecured personal loans for car, home improvement, debt consolidation, wedding or holiday spend, with joint application available.
- Decision in minutes for existing customers.
- Loan amounts from £1,000 to £35,000.
- Representative APR depends on credit profile.
Tesco Bank Savings
Fixed-rate bonds, instant-access savers and Cash ISAs (variable and fixed). Headline AERs change with the wider market.
- Easy-access, fixed and ISA options.
- Eligible deposits protected up to £120,000 by FSCS via Barclays.
- Open and manage online.
Clubcard Pay+
A free top-up debit Mastercard linked to your Clubcard. Use it anywhere Mastercard is accepted and earn extra Clubcard points on every spend.
- Earn extra Clubcard points everywhere.
- Apple Pay and Google Pay supported.
- No monthly fee.
Is there a Tesco Bank debit card?
Not in the way most people mean it. Tesco Bank no longer offers a current account, so there is no Tesco Bank debit card attached to a salary and direct debits. What exists instead is Clubcard Pay+: a free top-up debit Mastercard linked to your Clubcard, which you load with money before you spend it.
The practical difference matters. Clubcard Pay+ works anywhere Mastercard is accepted and earns extra Clubcard points, and it supports Apple Pay and Google Pay, but it is not a current account: you cannot have wages paid into it as your main account in the same way, and it is not the product to use for a Current Account Switch Service transfer. If you want a full current account, with a salary paid in and direct debits going out, Tesco Bank is not the place to look for one.
The Tesco Bank credit card after the Barclays move
The Tesco Bank Clubcard credit card is the product most people are searching for, and it survived the transfer to Barclays intact: it still carries Tesco branding, still earns Clubcard points on spending in Tesco and on most spending elsewhere, and still comes in purchase, balance-transfer, money-transfer and credit-building versions.
What changed underneath is who holds the account. Since November 2024 the card is issued by Barclays Bank UK PLC under the Tesco Bank trading name, which is why a balance on it and a balance on a Barclaycard now sit with the same institution. That matters for a balance transfer: lenders will not normally let you transfer a balance between two cards issued by the same group, so a Tesco Bank card to Barclaycard transfer, or the reverse, is usually refused.
Tesco Bank customer service
Tesco Bank publishes product-specific help pages on tescobank.com rather than a single all-purpose phone number. The fastest route is to log in to your Tesco Bank account and use the in-app or secure-message chat.
Tesco Bank help centre
FAQs and self-service options
Open help centre
Available 24/7
Start hereSecurity and fraud
Report fraud or scam contact
Security hub
Available 24/7
Lost or stolen card
Number on the back of your card
See your card
24/7
Tesco Insurance (kept by Tesco)
Car, home, pet, travel, life
Open Tesco site
Tesco.com
Clubcard Pay+
In-app help in the Tesco Bank app
Open in app
24/7
Complaints
Now handled by Barclays Bank UK PLC
Submit complaint
Acknowledged in 3 working days
Complaints and the Financial Ombudsman
As Tesco Bank is now part of Barclays Bank UK PLC, complaints are handled under Barclays’ FCA-regulated complaints process. Raise the issue through tescobank.com first; if you have not had a satisfactory response within eight weeks you can escalate to the Financial Ombudsman Service.
Tesco Bank FAQ
Tesco Bank is now a trading name of Barclays Bank UK PLC since 1 November 2024. Your products are still labelled "Tesco Bank" but they are operated by Barclays under the bank’s FCA licence and FSCS protection.
Yes. Eligible deposits are protected up to £120,000 per person, per banking licence, by the Financial Services Compensation Scheme, a limit raised from £85,000 on 1 December 2025. Because Tesco Bank is now part of Barclays Bank UK PLC, the £120,000 limit applies across both Tesco Bank and Barclays combined, not separately.
Tesco Bank closed its current account product before the Barclays sale. If you are looking for an everyday current account, see our 2026 guide to the best UK current accounts or our Barclays review.
No. Existing login details, mobile app and online banking continued to work after the Barclays transfer. You did not need to re-register or open a new account.
Those did not move to Barclays. Insurance, travel money, in-store ATMs and gift cards stayed with Tesco itself and are now bought directly from tesco.com or in Tesco stores, not from Tesco Bank.