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

Interchange range Scheme fee range
Visa Domestic Consumer Prepaid and Debit Card1 From 0.10% | € 0.02
to 0.20% | € 0.02 		From 0.0161% + € 0.0082
to 0.1741% + € 0.0082
Visa Domestic Consumer Credit Cards From 0.20%
to 0.30% 		From 0.0201% + € 0.0082
to 0.1791% + € 0.0082
Visa Domestic Commercial Prepaid and Debit Cards From 0.20% | € 0.32
to 2.05% | € 0.32 		From 0.0161% + € 0.0082
to 0.1741% + € 0.0082
Visa Domestic Commercial Credit Cards From 0.30%
to 2.26% 		From 0.0201% + € 0.0082
to 0.1791% + € 0.0082
Visa EEA Consumer Prepaid and Debit Card 0.20% From 0.0166% + € 0.0168
to 0.1896% + € 0.0168
Visa EEA Consumer Credit Card 0.30% From 0.0206% + € 0.0168
to 0.1946% + € 0.0168
Visa EEA Commercial Prepaid and Debit Cards From 1.30%
to 1.60% 		From 0.0166% + € 0.0168
to 0.1896% + € 0.0168
Visa EEA Commercial Credit Cards From 1.55%
to 1.70% 		From 0.0206% + € 0.0168
to 0.1946% + € 0.0168
Visa UK Consumer Prepaid and Debit Card2 € 0.15 From 0.0246% + € 0.0168
to 0.2896% + € 0.0168
Visa UK Consumer Credit Cards3 0.30% From 0.1206% + € 0.0168
to 0.5016% + € 0.1075
Visa UK Commercial Prepaid and Debit Cards 1.60% From 0.1166% + € 0.0168
to 0.2896% + € 0.0168
Visa UK Commercial Credit Cards From 1.60%
to 1.80% 		From 0.1206% + € 0.0168
to 0.5016% + € 0.1075
Visa Non - EEA Consumer Prepaid and Debit Card € 0.15 | 0.20% From 0.0166% + € 0.0168
to 0.7545% + € 0.1075
Visa Non - EEA Consumer Credit Cards 0.30% From 0.5175% + € 0.1075
to 0.7595% + € 0.1075
Visa Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.5135% + € 0.1075
to 0.7545% + € 0.1075
Visa Non - EEA Commercial Credit Cards From 2.00%
to 2.05% 		From 0.5175% + € 0.1075
to 0.7595% + € 0.1075
Mastercard Domestic Consumer Prepaid and Debit Card4 From 0.10% | € 0.02
to 0.20% | € 0.02 		From 0.0516% + € 0.0002
to 0.2101% + € 0.0065
Mastercard Domestic Consumer Credit Cards5 From 0.20%
to 0.30% 		From 0.0575% + € 0.0002
to 0.2101% + € 0.0065
Mastercard Domestic Commercial Prepaid and Debit Cards From 0.20% | € 0.35
to 1.92% + € 0.05 		From 0.0516% + € 0.0002
to 0.2101% + € 0.0065
Mastercard Domestic Commercial Credit Cards From 0.30%
to 2.00% + € 0.05 		From 0.0575% + € 0.0002
to 0.2101% + € 0.0065
Mastercard EEA Consumer Prepaid and Debit Card 0.20% From 0.1324% + € 0.0003
to 0.3364% + € 0.0043
Mastercard EEA Consumer Credit Card 0.30% From 0.1324% + € 0.0003
to 0.2864% + € 0.0043
Mastercard EEA Commercial Prepaid and Debit Cards From 1.50%
to 1.75% 		From 0.1324% + € 0.0003
to 0.3364% + € 0.0043
Mastercard EEA Commercial Credit Cards From 1.50%
to 1.85% 		From 0.1324% + € 0.0003
to 0.2864% + € 0.0043
Mastercard UK Consumer Prepaid and Debit Card6 0.20% From 0.1324% + € 0.0003
to 0.3364% + € 0.0043
Mastercard UK Consumer Credit Cards7 0.30% From 0.1324% + € 0.0003
to 0.2864% + € 0.0043
Mastercard UK Commercial Prepaid and Debit Cards From 1.50%
to 1.60% 		From 0.1324% + € 0.0003
to 0.3364% + € 0.0043
Mastercard UK Commercial Credit Cards From 1.50%
to 1.60% 		From 0.1324% + € 0.0003
to 0.2864% + € 0.0043
Mastercard Non - EEA Consumer Prepaid and Debit Card 0.20% From 0.7368%
to 0.8613% + € 0.116
Mastercard Non - EEA Consumer Credit Cards 0.30% From 0.7368%
to 0.8613% + € 0.116
Mastercard Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.7368%
to 0.8613% + € 0.116
Mastercard Non - EEA Commercial Credit Cards 2.00% From 0.7368%
to 0.8613% + € 0.116
Bancontact Consumer Prepaid and Debit Card 0.10%, cap € 0.05 -
Bancontact Commercial Card 0.10%, cap € 0.05 -
American Express Consumer Prepaid and Debit Card8 - 1.20%
American Express Consumer Credit Cards8 - 1.20%
American Express Commercial Prepaid and Debit Cards8 - 1.20%
American Express Commercial Credit Cards8 - 1.20%
JCB Consumer Prepaid and Debit Card 0.20% 0.5000% + € 0.06
JCB Consumer Credit Cards 0.30% 0.5000% + € 0.06
JCB Commercial Prepaid and Debit Cards 0.20% 0.5000% + € 0.06
JCB Commercial Credit Cards 0.30% 0.5000% + € 0.06
  • 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

Interchange range Scheme fee range
Visa Domestic Consumer Prepaid and Debit Card1 From 0.10% | € 0.02
to 0.20% | € 0.02 		From 0.0341% + € 0.0082
to 0.1741% + € 0.0082
Visa Domestic Consumer Credit Cards 0.30% From 0.0391% + € 0.0082
to 0.1791% + € 0.0082
Visa Domestic Commercial Prepaid and Debit Cards From 0.20% | € 0.32
to 2.05% | € 0.32 		From 0.0341% + € 0.0082
to 0.1741% + € 0.0082
Visa Domestic Commercial Credit Cards From 0.30%
to 2.05% 		From 0.0391% + € 0.0082
to 0.1791% + € 0.0082
Visa EEA Consumer Prepaid and Debit Card 0.20% From 0.0346% + € 0.0168
to 0.1896% + € 0.0168
Visa EEA Consumer Credit Card 0.30% From 0.0396% + € 0.0168
to 0.1946% + € 0.0168
Visa EEA Commercial Prepaid and Debit Cards 1.65% From 0.0346% + € 0.0168
to 0.1896% + € 0.0168
Visa EEA Commercial Credit Cards 1.65% From 0.0396% + € 0.0168
to 0.1946% + € 0.0168
Visa UK Consumer Prepaid and Debit Card2 € 0.15 From 0.2846% + € 0.0168
to 0.4396% + € 0.0168
Visa UK Consumer Credit Cards3 0.30% From 0.1896% + € 0.0168
to 0.3446% + € 0.0168
Visa UK Commercial Prepaid and Debit Cards 1.60% From 0.2846% + € 0.0168
to 0.4396% + € 0.0168
Visa UK Commercial Credit Cards 1.60% From 0.1896% + € 0.0168
to 0.3446% + € 0.0168
Visa Non - EEA Consumer Prepaid and Debit Card € 0.15 | 1.15% From 0.1846% + € 0.0168
to 1.3075% + € 0.1075
Visa Non - EEA Consumer Credit Cards 1.50% From 1.0865% + € 0.1075
to 1.3125% + € 0.1075
Visa Non - EEA Commercial Prepaid and Debit Cards 2.00% From 1.0815% + € 0.1075
to 1.3075% + € 0.1075
Visa Non - EEA Commercial Credit Cards 2.00% From 1.0865% + € 0.1075
to 1.3125% + € 0.1075
Mastercard Domestic Consumer Prepaid and Debit Card4 From 0.10% | € 0.02
to 0.20% | € 0.02 		From 0.0516% + € 0.0002
to 0.2101% + € 0.0065
Mastercard Domestic Consumer Credit Cards5 From 0.20%
to 0.30% 		From 0.0575% + € 0.0002
to 0.2101% + € 0.0065
Mastercard Domestic Commercial Prepaid and Debit Cards From 0.20% | € 0.35
to 2.10% | € 0.35 		From 0.0516% + € 0.0002
to 0.2101% + € 0.0065
Mastercard Domestic Commercial Credit Cards From 0.30%
to 2.20% + € 0.05 		From 0.0575% + € 0.0002
to 0.2101% + € 0.0065
Mastercard EEA Consumer Prepaid and Debit Card 0.20% From 0.1574% + € 0.0003
to 0.3114% + € 0.0043
Mastercard EEA Consumer Credit Card 0.30% From 0.1574% + € 0.0003
to 0.3114% + € 0.0043
Mastercard EEA Commercial Prepaid and Debit Cards 1.90% From 0.1574% + € 0.0003
to 0.3114% + € 0.0043
Mastercard EEA Commercial Credit Cards 1.90% From 0.1574% + € 0.0003
to 0.3114% + € 0.0043
Mastercard UK Consumer Prepaid and Debit Card6 0.20% From 0.1574% + € 0.0003
to 0.3114% + € 0.0043
Mastercard UK Consumer Credit Cards7 0.30% From 0.1574% + € 0.0003
to 0.3114% + € 0.0043
Mastercard UK Commercial Prepaid and Debit Cards 1.90% From 0.1574% + € 0.0003
to 0.3114% + € 0.0043
Mastercard UK Commercial Credit Cards 1.90% From 0.1574% + € 0.0003
to 0.3114% + € 0.0043
Mastercard Non - EEA Consumer Prepaid and Debit Card 1.15% From 0.7868%
to 0.9113% + € 0.1160
Mastercard Non - EEA Consumer Credit Cards 1.50% From 0.7868%
to 0.9113% + € 0.1160
Mastercard Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.7868%
to 0.9113% + € 0.1160
Mastercard Non - EEA Commercial Credit Cards 2.00% From 0.7868%
to 0.9113% + € 0.1160
Bancontact Consumer Prepaid and Debit Card 0.10%, cap € 0.05 -
Bancontact Commercial Card 0.10%, cap € 0.05 -
American Express Consumer Prepaid and Debit Card8 - 1.60%
American Express Consumer Credit Cards8 - 1.60%
American Express Commercial Prepaid and Debit Cards8 - 1.60%
American Express Commercial Credit Cards8 - 1.60%
JCB Consumer Prepaid and Debit Card 1.15% 1.2500% + € 0.06
JCB Consumer Credit Cards 1.50% 1.2500% + € 0.06
JCB Commercial Prepaid and Debit Cards 1.15% 1.2500% + € 0.06
JCB Commercial Credit Cards 1.50% 1.2500% + € 0.06
  • 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:

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