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. As the UK is no longer a member of the EEA, a transaction can be subject to an interchange cap of £1.50 per transaction on their UK Domestic Mastercard Non-Consumer Debit Interchange if the merchant qualifies for the UK Domestic Government & Personal Payments Program (Merchant Category Code 9399).

Card-Present

Interchange range Scheme fee range
Visa Domestic Consumer Prepaid and Debit Card From 0.12%
to 0.20% 		From 0.0180% + € 0.0082
to 0.0609% + € 0.0082
Visa Domestic Consumer Credit Cards From 0.30%
to 0.43% 		From 0.0230% + € 0.0082
to 0.0674% + € 0.0082
Visa Domestic Commercial Prepaid and Debit Cards From 1.15% | € 0.05
to 1.15% | € 0.55 		From 0.0180% + € 0.0082
to 0.0609% + € 0.0082
Visa Domestic Commercial Credit Cards From 0.43%
to 1.85% 		From 0.0230% + € 0.0082
to 0.0674% + € 0.0082
Visa EEA Consumer Prepaid and Debit Card € 0.15 0.1800% + € 0.0168 |
0.0759% + € 0.0800
Visa EEA Consumer Credit Card 0.30% 0.1900% + € 0.0168 |
0.0824% + € 0.0800
Visa EEA Commercial Prepaid and Debit Cards 1.60% 0.1800% + € 0.0168 |
0.0759% + € 0.0800
Visa EEA Commercial Credit Cards From 1.60%
to 1.70% 		0.1900% + € 0.0168 |
0.0824% + € 0.0800
Visa UK Consumer Prepaid and Debit Card1 € 0.15 0.2223% + € 0.0400
Visa UK Consumer Credit Cards1 0.30% 0.2288% + € 0.0525
Visa UK Commercial Prepaid and Debit Cards1 1.60% 0.2288% + € 0.0525
Visa UK Commercial Credit Cards1 1.70% 0.2288% + € 0.0525
Visa Non - EEA Consumer Prepaid and Debit Card 0.20% | € 0.15 From 0.2263% + € 0.0400
to 0.6723% + € 0.1075
Visa Non - EEA Consumer Credit Cards 0.30% From 0.6788% + € 0.1075
to 1.0900% + € 0.1075
Visa Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.5300% + € 0.1075
to 0.6723% + € 0.1075
Visa Non - EEA Commercial Credit Cards 2.00% From 0.6788% + € 0.1075
to 1.0900% + € 0.1075
Mastercard Domestic Consumer Prepaid and Debit Card From 0.12%
to 0.20% 		From 0.0340% + € 0.0048
to 0.1162% + € 0.0100
Mastercard Domestic Consumer Credit Cards From 0.30%
to 0.44% 		From 0.0340% + € 0.0048
to 0.1162% + € 0.0100
Mastercard Domestic Commercial Prepaid and Debit Cards From 0.44%
to 1.30% 		From 0.0340% + € 0.0048
to 0.1162% + € 0.0100
Mastercard Domestic Commercial Credit Cards From 0.44%
to 1.80% 		From 0.0340% + € 0.0048
to 0.1162% + € 0.0110
Mastercard EEA Consumer Prepaid and Debit Card 0.20% From 0.1400% + € 0.0048
to 0.1788% + € 0.0100
Mastercard EEA Consumer Credit Card 0.30% From 0.1400% + € 0.0048
to 0.1788% + € 0.0110
Mastercard EEA Commercial Prepaid and Debit Cards 1.50% From 0.1400% + € 0.0048
to 0.1788% + € 0.0100
Mastercard EEA Commercial Credit Cards From 1.50%
to 1.55% 		From 0.1400% + € 0.0048
to 0.1788% + € 0.0110
Mastercard UK Consumer Prepaid and Debit Card1 0.20% 0.1788% + € 0.0100
Mastercard UK Consumer Credit Cards1 0.30% 0.1788% + € 0.0110
Mastercard UK Commercial Prepaid and Debit Cards1 1.50% 0.1788% + € 0.0100
Mastercard UK Commercial Credit Cards1 1.55% 0.1788% + € 0.0110
Mastercard Non - EEA Consumer Prepaid and Debit Card 0.20% 0.7301% + € 0.0850 |
0.5500% + € 0.1048
Mastercard Non - EEA Consumer Credit Cards 0.30% 0.7801% + € 0.0850 |
0.5500% + € 0.1048
Mastercard Non - EEA Commercial Prepaid and Debit Cards 2.00% 0.7301% + € 0.0850 |
0.5500% + € 0.1048
Mastercard Non - EEA Commercial Credit Cards 2.00% 0.7801% + € 0.0850 |
0.5500% + € 0.1048
TWINT3 0.89% € 0.03
American Express Consumer Prepaid and Debit Card2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Consumer Credit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Commercial Prepaid and Debit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Commercial Credit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
JCB Consumer Prepaid and Debit Card 0.20% 0.50% + € 0.06
JCB Consumer Credit Cards 0.30% 0.50% + € 0.06
JCB Commercial Prepaid and Debit Cards 0.20% 0.50% + € 0.06
JCB Commercial Credit Cards 0.30% 0.50% + € 0.06
  • 1 Interchange and Scheme fees for transactions with cards issued in the UK and used at Switzerland based merchants
  • 2 Card Scheme does not differentiate fees as Interchange and Scheme fees. Fees shown in both columns to avoid confusion
  • 3 TWINT is available for Card-present transactions in CHF currency to merchants based in Switzerland only

Further Information from the Card Schemes on Interchange below:

Card-not-Present

Interchange range Scheme fee range
Visa Domestic Consumer Prepaid and Debit Card From 0.20%
to 0.31% 		From 0.0709% + € 0.0082
to 0.0910% + € 0.0082
Visa Domestic Consumer Credit Cards From 0.30%
to 0.35% 		From 0.0709% + € 0.0082
to 0.0710% + € 0.0082
Visa Domestic Commercial Prepaid and Debit Cards From 0.29%
to 1.15% 		From 0.0760% + € 0.0082
to 0.0774% + € 0.0082
Visa Domestic Commercial Credit Cards From 0.35%
to 1.85% 		From 0.0709% + € 0.0082
to 0.0710% + € 0.0082
Visa EEA Consumer Prepaid and Debit Card € 0.15 From 0.3410% + € 0.0168
to 0.4360% + € 0.0168
Visa EEA Consumer Credit Card 0.30% 0.4360% + € 0.0168 |
0.2939% + € 0.0800
Visa EEA Commercial Prepaid and Debit Cards 1.60% 0.4410% + € 0.0168 |
0.3014% + € 0.0800
Visa EEA Commercial Credit Cards 1.60% 0.4360% + € 0.0168 |
0.2939% + € 0.0800
Visa UK Consumer Prepaid and Debit Card1 € 0.15 From 0.0755% + € 0.0525
to 0.4403% + € 0.0925
Visa UK Consumer Credit Cards1 0.30% 0.4403% + € 0.0925
Visa UK Commercial Prepaid and Debit Cards1 1.60% 0.4478% + € 0.0925
Visa UK Commercial Credit Cards1 1.60% 0.4403% + € 0.0925
Visa Non - EEA Consumer Prepaid and Debit Card 1.15% | € 0.15 From 0.5824% + € 0.0168
to 1.6824% + € 0.1075
Visa Non - EEA Consumer Credit Cards 1.50% From 1.2403% + € 0.1075
to 1.6824% + € 0.1075
Visa Non - EEA Commercial Prepaid and Debit Cards 2.00% From 1.2478% + € 0.1075
to 1.6824% + € 0.1075
Visa Non - EEA Commercial Credit Cards 2.00% From 1.2403% + € 0.1075
to 1.6824% + € 0.1075
Mastercard Domestic Consumer Prepaid and Debit Card From 0.20%
to 0.31% 		0.0760% + € 0.0082 |
0.1175% + € 0.0029
Mastercard Domestic Consumer Credit Cards From 0.30%
to 0.35% 		From 0.1175% + € 0.0029
to 0.1162% + € 0.0100
Mastercard Domestic Commercial Prepaid and Debit Cards From 0.35%
to 1.35% 		From 0.1175% + € 0.0029
to 0.1162% + € 0.0110
Mastercard Domestic Commercial Credit Cards From 0.35%
to 1.90% 		From 0.1175% + € 0.0029
to 0.1162% + € 0.0100
Mastercard EEA Consumer Prepaid and Debit Card 0.20% From 0.1825% + € 0.0029
to 0.4410% + € 0.0168
Mastercard EEA Consumer Credit Card 0.30% From 0.1825% + € 0.0029
to 0.2038% + € 0.0100
Mastercard EEA Commercial Prepaid and Debit Cards 1.90% From 0.1825% + € 0.0029
to 0.2038% + € 0.0110
Mastercard EEA Commercial Credit Cards 1.90% From 0.1825% + € 0.0029
to 0.2038% + € 0.0100
Mastercard UK Consumer Prepaid and Debit Card1 0.20% From 0.2038% + € 0.0100
to 0.4478% + € 0.0925
Mastercard UK Consumer Credit Cards1 0.30% 0.2038% + € 0.0100
Mastercard UK Commercial Prepaid and Debit Cards1 1.90% 0.2038% + € 0.0110
Mastercard UK Commercial Credit Cards1 1.90% 0.2038% + € 0.0100
Mastercard Non - EEA Consumer Prepaid and Debit Card 1.15% From 0.7801% + € 0.0850
to 1.6874% + € 0.1075
Mastercard Non - EEA Consumer Credit Cards 1.50% From 0.7801% + € 0.0850
to 0.8113% + € 0.1070
Mastercard Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.8301% + € 0.0850
to 0.8113% + € 0.1070
Mastercard Non - EEA Commercial Credit Cards 2.00% From 0.7801% + € 0.0850
to 0.8113% + € 0.1070
TWINT3 0.89% € 0.03
American Express Consumer Prepaid and Debit Card2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Consumer Credit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Commercial Prepaid and Debit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Commercial Credit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
JCB Consumer Prepaid and Debit Card 1.15% 1.25% + € 0.06
JCB Consumer Credit Cards 1.50% 1.25% + € 0.06
JCB Commercial Prepaid and Debit Cards 1.15% 1.25% + € 0.06
JCB Commercial Credit Cards 1.50% 1.25% + € 0.06
  • 1 Interchange and Scheme fees for transactions with cards issued in the UK and used at Switzerland based merchants
  • 2 Card Scheme does not differentiate fees as Interchange and Scheme fees. Fees shown in both columns to avoid confusion
  • 3 TWINT is available for Card-not-present transactions in CHF currency to merchants based in Switzerland only

Further Information from the Card Schemes on Interchange below:

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