Interchange poplatky a poplatky schémy

Interchange na spotrebiteľských kartách vydaných v rámci EHP a používaných u obchodníkov so sídlom v EHP je momentálne obmedzený na 0,20 % pre debetné a 0,30 % pre kreditné karty. Spojené kráľovstvo sa už nepovažuje za člena EHP na účely kvalifikácie Interchange.

Karta je prítomná

Interchange range Scheme fee range
Visa Domestic Consumer Prepaid and Debit Card1 From 0.10% | € 0.02
to 0.20% | € 0.02 		From 0.0134% + € 0.0082
to 0.1714% + € 0.0082
Visa Domestic Consumer Credit Cards From 0.20%
to 0.30% 		From 0.0174% + € 0.0082
to 0.1764% + € 0.0082
Visa Domestic Commercial Prepaid and Debit Cards From 0.20% | € 0.32
to 2.05% | € 0.32 		From 0.0134% + € 0.0082
to 0.1714% + € 0.0082
Visa Domestic Commercial Credit Cards From 0.30%
to 2.26% 		From 0.0174% + € 0.0082
to 0.1764% + € 0.0082
Visa EEA Consumer Prepaid and Debit Card 0.20% From 0.0158% + € 0.0168
to 0.1888% + € 0.0168
Visa EEA Consumer Credit Card 0.30% From 0.0198% + € 0.0168
to 0.1938% + € 0.0168
Visa EEA Commercial Prepaid and Debit Cards From 1.30%
to 1.60% 		From 0.0158% + € 0.0168
to 0.1888% + € 0.0168
Visa EEA Commercial Credit Cards From 1.55%
to 1.70% 		From 0.0198% + € 0.0168
to 0.1938% + € 0.0168
Visa UK Consumer Prepaid and Debit Card2 0.20% From 0.5045% + € 0.1075
to 0.7455% + € 0.1075
Visa UK Consumer Credit Cards3 0.30% From 0.5085% + € 0.1075
to 0.7505% + € 0.1075
Visa UK Commercial Prepaid and Debit Cards 2.00% From 0.5045% + € 0.1075
to 0.7455% + € 0.1075
Visa UK Commercial Credit Cards From 2.00%
to 2.04% 		From 0.5085% + € 0.1075
to 0.7505% + € 0.1075
Visa Non - EEA Consumer Prepaid and Debit Card 0.20% From 0.0158% + € 0.0168
to 0.7455% + € 0.1075
Visa Non - EEA Consumer Credit Cards 0.30% From 0.5085% + € 0.1075
to 0.7505% + € 0.1075
Visa Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.5045% + € 0.1075
to 0.7455% + € 0.1075
Visa Non - EEA Commercial Credit Cards From 2.00%
to 2.05% 		From 0.5085% + € 0.1075
to 0.7505% + € 0.1075
Mastercard Domestic Consumer Prepaid and Debit Card4 From 0.10% | € 0.02
to 0.20% | € 0.02 		From 0.0508% + € 0.0002
to 0.2092% + € 0.0065
Mastercard Domestic Consumer Credit Cards5 From 0.20%
to 0.30% 		From 0.0567% + € 0.0002
to 0.2092% + € 0.0065
Mastercard Domestic Commercial Prepaid and Debit Cards From 0.20% | € 0.35
to 1.92% + € 0.05 		From 0.0508% + € 0.0002
to 0.2092% + € 0.0065
Mastercard Domestic Commercial Credit Cards From 0.30%
to 2.00% + € 0.05 		From 0.0567% + € 0.0002
to 0.2092% + € 0.0065
Mastercard EEA Consumer Prepaid and Debit Card 0.20% From 0.1766% + € 0.0002
to 0.3633% + € 0.0043
Mastercard EEA Consumer Credit Card 0.30% From 0.1825% + € 0.0002
to 0.3633% + € 0.0043
Mastercard EEA Commercial Prepaid and Debit Cards From 1.50%
to 1.75% 		From 0.1766% + € 0.0002
to 0.3633% + € 0.0043
Mastercard EEA Commercial Credit Cards From 1.50%
to 1.85% 		From 0.1825% + € 0.0002
to 0.3633% + € 0.0043
Mastercard UK Consumer Prepaid and Debit Card6 0.20% From 0.9815%
to 1.0340% + € 0.2050
Mastercard UK Consumer Credit Cards7 0.30% From 0.9815%
to 1.0340% + € 0.2050
Mastercard UK Commercial Prepaid and Debit Cards 2.00% From 0.9815%
to 1.0340% + € 0.2050
Mastercard UK Commercial Credit Cards 2.00% From 0.9815%
to 1.0340% + € 0.2050
Mastercard Non - EEA Consumer Prepaid and Debit Card 0.20% From 0.9815%
to 1.0340% + € 0.2050
Mastercard Non - EEA Consumer Credit Cards 0.30% From 0.9815%
to 1.0340% + € 0.2050
Mastercard Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.9815%
to 1.0340% + € 0.2050
Mastercard Non - EEA Commercial Credit Cards 2.00% From 0.9815%
to 1.0340% + € 0.2050
Bancontact Consumer Prepaid and Debit Card 0.10%, cap € 0.05 -
Bancontact Commercial Card 0.20%, cap € 0.15 -
American Express Consumer Prepaid and Debit Card8 - 1.10%
American Express Consumer Credit Cards8 - 1.10%
American Express Commercial Prepaid and Debit Cards8 - 1.10%
American Express Commercial Credit Cards8 - 1.10%
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

Ďalšie informácie od kartových schém o medzibankovom poplatku nižšie:

Karta nie je prítomná

Interchange range Scheme fee range
Visa Domestic Consumer Prepaid and Debit Card1 From 0.10% | € 0.02
to 0.20% | € 0.02 		From 0.0314% + € 0.0082
to 0.1714% + € 0.0082
Visa Domestic Consumer Credit Cards 0.30% From 0.0364% + € 0.0082
to 0.1764% + € 0.0082
Visa Domestic Commercial Prepaid and Debit Cards From 0.20% | € 0.32
to 2.05% | € 0.32 		From 0.0314% + € 0.0082
to 0.1714% + € 0.0082
Visa Domestic Commercial Credit Cards From 0.30%
to 2.05% 		From 0.0364% + € 0.0082
to 0.1764% + € 0.0082
Visa EEA Consumer Prepaid and Debit Card 0.20% From 0.0338% + € 0.0168
to 0.1888% + € 0.0168
Visa EEA Consumer Credit Card 0.30% From 0.0388% + € 0.0168
to 0.1938% + € 0.0168
Visa EEA Commercial Prepaid and Debit Cards 1.65% From 0.0338% + € 0.0168
to 0.1888% + € 0.0168
Visa EEA Commercial Credit Cards 1.65% From 0.0388% + € 0.0168
to 0.1938% + € 0.0168
Visa UK Consumer Prepaid and Debit Card2 1.15% From 0.0338% + € 0.0168
to 0.1888% + € 0.0168
Visa UK Consumer Credit Cards3 1.50% From 0.0388% + € 0.0168
to 0.1938% + € 0.0168
Visa UK Commercial Prepaid and Debit Cards 2.00% From 0.0338% + € 0.0168
to 0.1888% + € 0.0168
Visa UK Commercial Credit Cards 2.00% From 0.0388% + € 0.0168
to 0.1938% + € 0.0168
Visa Non - EEA Consumer Prepaid and Debit Card 1.15% From 0.0338% + € 0.0168
to 1.2985% + € 0.1075
Visa Non - EEA Consumer Credit Cards 1.50% From 1.0775% + € 0.1075
to 1.3035% + € 0.1075
Visa Non - EEA Commercial Prepaid and Debit Cards 2.00% From 1.0725 % + € 0.1075
to 1.2985% + € 0.1075
Visa Non - EEA Commercial Credit Cards 2.00% From 1.0775% + € 0.1075
to 1.3035% + € 0.1075
Mastercard Domestic Consumer Prepaid and Debit Card4 From 0.10% | € 0.02
to 0.20% | € 0.02 		From 0.0508% + € 0.0002
to 0.2092% + € 0.0065
Mastercard Domestic Consumer Credit Cards5 From 0.20%
to 0.30% 		From 0.0567% + € 0.0002
to 0.2092% + € 0.0065
Mastercard Domestic Commercial Prepaid and Debit Cards From 0.20% | € 0.35
to 2.10% | € 0.35 		From 0.0508% + € 0.0002
to 0.2092% + € 0.0065
Mastercard Domestic Commercial Credit Cards From 0.30%
to 2.20% + € 0.05 		From 0.0567% + € 0.0002
to 0.2092% + € 0.0065
Mastercard EEA Consumer Prepaid and Debit Card 0.20% From 0.2016% + € 0.0002
to 0.3883% + € 0.0043
Mastercard EEA Consumer Credit Card 0.30% From 0.2075% + € 0.0002
to 0.3883% + € 0.0043
Mastercard EEA Commercial Prepaid and Debit Cards 1.90% From 0.2016% + € 0.0002
to 0.3883% + € 0.0043
Mastercard EEA Commercial Credit Cards 1.90% From 0.2075% + € 0.0002
to 0.3883% + € 0.0043
Mastercard UK Consumer Prepaid and Debit Card6 1.15% From 0.2016% + € 0.0002
to 0.3883% + € 0.0043
Mastercard UK Consumer Credit Cards7 1.50% From 0.2075% + € 0.0002
to 0.3883% + € 0.0043
Mastercard UK Commercial Prepaid and Debit Cards 2.00% From 0.2016% + € 0.0002
to 0.3883% + € 0.0043
Mastercard UK Commercial Credit Cards 2.00% From 0.2075% + € 0.0002
to 0.3883% + € 0.0043
Mastercard Non - EEA Consumer Prepaid and Debit Card 1.15% From 1.1315%
to 1.1840% + € 0.2050
Mastercard Non - EEA Consumer Credit Cards 1.50% From 1.1315%
to 1.1840% + € 0.2050
Mastercard Non - EEA Commercial Prepaid and Debit Cards 2.00% From 1.1315%
to 1.1840% + € 0.2050
Mastercard Non - EEA Commercial Credit Cards 2.00% From 1.1315%
to 1.1840% + € 0.2050
Bancontact Consumer Prepaid and Debit Card 0.10%, cap € 0.05 -
Bancontact Commercial Card 0.20%, cap € 0.15 -
American Express Consumer Prepaid and Debit Card8 - 1.50%
American Express Consumer Credit Cards8 - 1.50%
American Express Commercial Prepaid and Debit Cards8 - 1.50%
American Express Commercial Credit Cards8 - 1.50%
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

Ďalšie informácie od kartových schém o medzibankovom poplatku nižšie:

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