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 0.018% + € 0.0082
to 0.146% + € 0.0082
Visa Domestic Consumer Credit Cards From 0.20%
to 0.30% 		From 0.022% + € 0.0082
to 0.151% + € 0.0082
Visa Domestic Commercial Prepaid and Debit Cards From 0.20% | € 0.32
to 2.05% | € 0.32 		From 0.018% + € 0.0082
to 0.146% + € 0.0082
Visa Domestic Commercial Credit Cards From 0.30%
to 2.30% 		From 0.022% + € 0.0082
to 0.151% + € 0.0082
Visa EEA Consumer Prepaid and Debit Card 0.20% From 0.018% + € 0.0168
to 0.148% + € 0.0168
Visa EEA Consumer Credit Card 0.30% From 0.022% + € 0.0168
to 0.151% + € 0.0168
Visa EEA Commercial Prepaid and Debit Cards From 1.30%
to 1.60% 		From 0.0193% + € 0.0168
to 0.148% + € 0.0168
Visa EEA Commercial Credit Cards From 1.55%
to 1.70% 		From 0.022% + € 0.0168
to 0.151% + € 0.0168
Visa UK Consumer Prepaid and Debit Card2 € 0.15 From 0.026% + € 0.0168
to 0.248% + € 0.0168
Visa UK Consumer Credit Cards3 0.30% From 0.122% + € 0.0168
to 0.503% + € 0.1075
Visa UK Commercial Prepaid and Debit Cards 1.60% From 0.118% + € 0.0168
to 0.248% + € 0.0168
Visa UK Commercial Credit Cards From 1.60%
to 1.80% 		From 0.122% + € 0.0168
to 0.503% + € 0.1075
Visa Non - EEA Consumer Prepaid and Debit Card € 0.15 | 0.20% From 0.018% + € 0.08
to 0.6915% + € 0.1075
Visa Non - EEA Consumer Credit Cards 0.30% From 0.4251% + € 0.1075
to 0.6787% + € 0.1075
Visa Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.1381% + € 0.1075
to 0.4885% + € 0.1075
Visa Non - EEA Commercial Credit Cards From 2.00%
to 2.05% 		From 0.1886% + € 0.1075
to 0.5933% + € 0.1075
Mastercard Domestic Consumer Prepaid and Debit Card4 From 0.10% | € 0.02
to 0.20% | € 0.02 		From 0.0399%
to 0.2286%
Mastercard Domestic Consumer Credit Cards5 From 0.20%
to 0.30% 		From 0.0561%
to 0.2254%
Mastercard Domestic Commercial Prepaid and Debit Cards From 0.20% | € 0.35
to 1.90% + € 0.05 		From 0.0381%
to 0.2289%
Mastercard Domestic Commercial Credit Cards From 0.30%
to 2.00% + € 0.05 		From 0.0540%
to 0.2229%
Mastercard EEA Consumer Prepaid and Debit Card 0.20% From 0.0383%
to 0.3698%
Mastercard EEA Consumer Credit Card 0.30% From 0.060%
to 0.3584%
Mastercard EEA Commercial Prepaid and Debit Cards From 1.50%
to 1.80% 		From 0.0544%
to 0.3529%
Mastercard EEA Commercial Credit Cards From 1.50%
to 1.85% 		From 0.0548%
to 0.3487%
Mastercard UK Consumer Prepaid and Debit Card6 0.20% From 0.0339%
to 0.34024%
Mastercard UK Consumer Credit Cards7 0.30% From 0.0452%
to 0.3402%
Mastercard UK Commercial Prepaid and Debit Cards From 1.50%
to 1.60% 		From 0.0339%
to 0.3402%
Mastercard UK Commercial Credit Cards From 1.50%
to 1.60% 		From 0.0452%
to 0.3402%
Mastercard Non - EEA Consumer Prepaid and Debit Card 0.20% From 0.3414%
to 0.8317% + € 0.116
Mastercard Non - EEA Consumer Credit Cards 0.30% From 0.5067%
to 0.7324% + € 0.116
Mastercard Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.2258%
to 0.5413% + € 0.116
Mastercard Non - EEA Commercial Credit Cards 2.00% From 0.6427%
to 0.7668% + € 0.116
Bancontact Consumer Prepaid and Debit Card 0.10%, cap € 0.05 cap € 0.014
Bancontact Commercial Card 0.10%, cap € 0.05 cap € 0.014
American Express Consumer Prepaid and Debit Card8 1.20% 1,20%
American Express Consumer Credit Cards8 1.20% 1,20%
American Express Commercial Prepaid and Debit Cards8 1.20% 1,20%
American Express Commercial Credit Cards8 1.20% 1,20%
JCB Consumer Prepaid and Debit Card 0.20% 0.0543%
JCB Consumer Credit Cards 0.30% 0.0543%
JCB Commercial Prepaid and Debit Cards 0.20% 0.0543%
JCB Commercial Credit Cards 0.30% 0.0543%
  • 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 0.036% + € 0.0082
to 0.146% + € 0.0082
Visa Domestic Consumer Credit Cards 0.30% From 0.041% + € 0.0082
to 0.151% + € 0.0082
Visa Domestic Commercial Prepaid and Debit Cards From 0.20% | € 0.32
to 2.05% | € 0.32 		From 0.036% + € 0.0082
to 0.146% + € 0.0082
Visa Domestic Commercial Credit Cards From 0.30%
to 2.05% 		From 0.041% + € 0.0082
to 0.151% + € 0.0082
Visa EEA Consumer Prepaid and Debit Card 0.20% From 0.036% + € 0.0168
to 0.148% + € 0.0168
Visa EEA Consumer Credit Card 0.30% From 0.041% + € 0.0168
to 0.151% + € 0.0168
Visa EEA Commercial Prepaid and Debit Cards 1.65% From 0.036% + € 0.0168
to 0.148% + € 0.0168
Visa EEA Commercial Credit Cards 1.65% From 0.041% + € 0.0168
to 0.151% + € 0.0168
Visa UK Consumer Prepaid and Debit Card2 € 0.15 From 0.286% + € 0.0168
to 1.058% + € 0.1075
Visa UK Consumer Credit Cards3 0.30% From 0.191% + € 0.0168
to 1.063% + € 0.1075
Visa UK Commercial Prepaid and Debit Cards 1.60% From 0.286% + € 0.0168
to 1.058% + € 0.1075
Visa UK Commercial Credit Cards 1.60% From 0.191% + € 0.0168
to 1.063% + € 0.1075
Visa Non - EEA Consumer Prepaid and Debit Card € 0.15 | 1.15% From 0.236% + € 0.08
to 1.2445% + € 0.1075
Visa Non - EEA Consumer Credit Cards 1.50% From 0.6239% + € 0.1075
to 1.1076% + € 0.1075
Visa Non - EEA Commercial Prepaid and Debit Cards 2.00% From 1.036% + € 0.1075
to 1.2445% + € 0.1075
Visa Non - EEA Commercial Credit Cards 2.00% From 1.041% + € 0.1075
to 1.2495% + € 0.1075
Mastercard Domestic Consumer Prepaid and Debit Card4 From 0.10% | € 0.02
to 0.20% | € 0.02 		From 0.0355%
to 0.2200%
Mastercard Domestic Consumer Credit Cards5 From 0.20%
to 0.30% 		From 0.0611%
to 0.2212%
Mastercard Domestic Commercial Prepaid and Debit Cards From 0.20% | € 0.35
to 2.10% | € 0.35 		From 0.0415%
to 0.2206%
Mastercard Domestic Commercial Credit Cards From 0.30%
to 2.20% + € 0.05 		From 0.0610%
to 0.2200%
Mastercard EEA Consumer Prepaid and Debit Card 0.20% From 0.0345%
to 0.3731%
Mastercard EEA Consumer Credit Card 0.30% From 0.0558%
to 0.3672%
Mastercard EEA Commercial Prepaid and Debit Cards 1.90% From 0.0345%
to 0.3683%
Mastercard EEA Commercial Credit Cards 1.90% From 0.0552%
to 0.3652%
Mastercard UK Consumer Prepaid and Debit Card6 0.20% From 0.0339%
to 0.3652%
Mastercard UK Consumer Credit Cards7 0.30% From 0.0552%
to 0.3652%
Mastercard UK Commercial Prepaid and Debit Cards 1.90% From 0.0339%
to 0.3652%
Mastercard UK Commercial Credit Cards 1.90% From 0.0552%
to 0.3652%
Mastercard Non - EEA Consumer Prepaid and Debit Card 1.15% From 0.1650% + € 0.0051
to 0.9817% + € 0.116
Mastercard Non - EEA Consumer Credit Cards 1.50% From 0.8327% + € 0.215
to 0.9717% + € 0.116
Mastercard Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.8717% + € 0.215
to 0.9717% + € 0.116
Mastercard Non - EEA Commercial Credit Cards 2.00% From 0.8717%
to 0.9817% + € 0.116
Bancontact Consumer Prepaid and Debit Card 0.10%, cap € 0.05 cap € 0.014
Bancontact Commercial Card 0.10%, cap € 0.05 cap € 0.014
American Express Consumer Prepaid and Debit Card8 1.20% 1,20%
American Express Consumer Credit Cards8 1.20% 1,20%
American Express Commercial Prepaid and Debit Cards8 1.20% 1,20%
American Express Commercial Credit Cards8 1.20% 1,20%
JCB Consumer Prepaid and Debit Card 1.15% 0.0543%
JCB Consumer Credit Cards 1.50% 0.0543%
JCB Commercial Prepaid and Debit Cards 1.15% 0.0543%
JCB Commercial Credit Cards 1.50% 0.0543%
  • 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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