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 0.0755% + € 0.0082
to 0.0965% + € 0.0082
Visa Domestic Consumer Credit Cards From 0.30%
to 0.43% 		From 0.086% + € 0.0082
to 0.0982% + € 0.0082
Visa Domestic Commercial Prepaid and Debit Cards From 0.75% | € 0.05
to 0.75% | € 0.55 		From 0.0812% + € 0.0082
to 0.0876% + € 0.0082
Visa Domestic Commercial Credit Cards From 0.43%
to 1.55% 		From 0.086% + € 0.0082
to 0.0936% + € 0.0082
Visa EEA Consumer Prepaid and Debit Card € 0.15 0.181% + € 0.0168 |
0.0755% + € 0.08
Visa EEA Consumer Credit Card 0.30% 0.186% + € 0.0168 |
0.082% + € 0.08
Visa EEA Commercial Prepaid and Debit Cards 1.60% 0.181% + € 0.0168 |
0.0755% + € 0.08
Visa EEA Commercial Credit Cards From 1.60%
to 1.70% 		0.1860% + € 0.0168 |
0.082% + € 0.08
Visa UK Consumer Prepaid and Debit Card1 € 0.15 0.0755% + € 0.0525
Visa UK Consumer Credit Cards1 0.30% 0.0820% + € 0.0525
Visa UK Commercial Prepaid and Debit Cards1 1.60% From 0.0755% + € 0.0525
Visa UK Commercial Credit Cards1 1.70% 0.0820% + € 0.0525
Visa Non - EEA Consumer Prepaid and Debit Card 0.20% | € 0.15 From 0.0255% + € 0.0168
to 0.5270% + € 0.1075
Visa Non - EEA Consumer Credit Cards 0.30% From 0.532% + € 0.1075
to 0.8490% + € 0.1075
Visa Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.19614% + € 0.1075
to 0.52551% + € 0.1075
Visa Non - EEA Commercial Credit Cards 2.00% From 0.532% + € 0.1075
to 0.83351% + € 0.1075
Mastercard Domestic Consumer Prepaid and Debit Card From 0.12%
to 0.20% 		From 0.098%
to 0.1244% + € 0.0120
Mastercard Domestic Consumer Credit Cards From 0.30%
to 0.44% 		From 0.1138%
to 0.1454% + € 0.0130
Mastercard Domestic Commercial Prepaid and Debit Cards From 0.44%
to 0.95% 		From 0.1113%
to 0.1263% + € 0.0120
Mastercard Domestic Commercial Credit Cards From 0.44%
to 1.50% 		From 0.1082%
to 0.1384% + € 0.0130
Mastercard EEA Consumer Prepaid and Debit Card 0.20% 0.1368% + € 0.012 |
0.1430%
Mastercard EEA Consumer Credit Card 0.30% From 0.143%
to 0.1643% + € 0.01302
Mastercard EEA Commercial Prepaid and Debit Cards 1.50% From 0.1368% + € 0.012
to 0.1430%
Mastercard EEA Commercial Credit Cards From 1.50%
to 1.55% 		From 0.143%
to 0.1643% + € 0.01302
Mastercard UK Consumer Prepaid and Debit Card1 0.20% 0.1368% + € 0.0120
Mastercard UK Consumer Credit Cards1 0.30% 0.1643% + € 0.01302
Mastercard UK Commercial Prepaid and Debit Cards1 1.50% 0.1368% + € 0.0120
Mastercard UK Commercial Credit Cards1 1.55% 0.1643% + € 0.01302
Mastercard Non - EEA Consumer Prepaid and Debit Card 0.20% From 0.4943% + € 0.085
to 0.1007% + € 0.1048
Mastercard Non - EEA Consumer Credit Cards 0.30% 0.5668% + € 0.085 |
0.3096% + € 0.1048
Mastercard Non - EEA Commercial Prepaid and Debit Cards 2.00% 0.5394% + € 0.085
0.1544% + € 0.1048
Mastercard Non - EEA Commercial Credit Cards 2.00% 0.5668% + € 0.085 |
0.1954% + € 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% 0.0543%
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 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 0.0855% + € 0.0082
to 0.0978% + € 0.0082
Visa Domestic Consumer Credit Cards From 0.30%
to 0.35% 		From 0.0920% + € 0.0082
to 0.1003% + € 0.0082
Visa Domestic Commercial Prepaid and Debit Cards From 0.29%
to 1.15% 		From 0.0855% + € 0.0082
to 0.091% + € 0.0082
Visa Domestic Commercial Credit Cards From 0.35%
to 1.85% 		From 0.092% + € 0.0082
to 0.096% + € 0.0082
Visa EEA Consumer Prepaid and Debit Card € 0.15 0.0755% + € 0.28 |
0.341% + € 0.0168
Visa EEA Consumer Credit Card 0.30% 0.082% + € 0.28 |
0.346% + € 0.0168
Visa EEA Commercial Prepaid and Debit Cards 1.60% 0.0755% + € 0.28 |
0.341% + € 0.01680
Visa EEA Commercial Credit Cards 1.60% 0.082% + € 0.28 |
0.346% + € 0.0168
Visa UK Consumer Prepaid and Debit Card1 € 0.15 0.0755% + € 0.0525
Visa UK Consumer Credit Cards1 0.30% 0.0820% + € 0.0525
Visa UK Commercial Prepaid and Debit Cards1 1.60% 0.0755% + € 0.0525
Visa UK Commercial Credit Cards1 1.60% 0.0820% + € 0.0525
Visa Non - EEA Consumer Prepaid and Debit Card 1.15% | € 0.15 From 0.0756% + € 0.0525
to 1.0760% + € 0.1075
Visa Non - EEA Consumer Credit Cards 1.50% From 0.9459% + € 0.1075
to 1.0833% + € 0.1075
Visa Non - EEA Commercial Prepaid and Debit Cards 2.00% From 1.0755% + € 0.1075
to 1.0910% + € 0.1075
Visa Non - EEA Commercial Credit Cards 2.00% From 1.082% + € 0.1075
to 1.096% + € 0.1075
Mastercard Domestic Consumer Prepaid and Debit Card From 0.20%
to 0.31% 		From 0.1230%
to 0.1258%
Mastercard Domestic Consumer Credit Cards From 0.30%
to 0.35% 		From 0.1244%
to 0.1333% + € 0.0130
Mastercard Domestic Commercial Prepaid and Debit Cards From 0.35%
to 1.35% 		0.1271% |
0.0943% + € 0.012
Mastercard Domestic Commercial Credit Cards From 0.35%
to 1.90% 		0.123% |
0.1218% + € 0.0130
Mastercard EEA Consumer Prepaid and Debit Card 0.20% 0.168% |
0.1618% + € 0.012
Mastercard EEA Consumer Credit Card 0.30% From 0.168%
to 0.1893% + € 0.01302
Mastercard EEA Commercial Prepaid and Debit Cards 1.90% 0.168% |
0.1618% + € 0.012
Mastercard EEA Commercial Credit Cards 1.90% From 0.168%
to 0.1893% + € 0.01302
Mastercard UK Consumer Prepaid and Debit Card1 0.20% 0.1618% + € 0.0120
Mastercard UK Consumer Credit Cards1 0.30% 0.1893% + € 0.0130
Mastercard UK Commercial Prepaid and Debit Cards1 1.90% 0.1618% + € 0.0120
Mastercard UK Commercial Credit Cards1 1.90% 0.1893% + € 0.0130
Mastercard Non - EEA Consumer Prepaid and Debit Card 1.15% 0.2667% + € 0.1048 |
0.6444% + € 0.085
Mastercard Non - EEA Consumer Credit Cards 1.50% 0.2811% + € 0.1048 |
0.7168% + € 0.085
Mastercard Non - EEA Commercial Prepaid and Debit Cards 2.00% 0.0774% + € 0.1048 |
0.6443% + € 0.085
Mastercard Non - EEA Commercial Credit Cards 2.00% 0.5980% + € 0.1048 |
0.7168% + € 0.085
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% 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 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

Further Information from the Card Schemes on Interchange below:

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