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Tesco Bank Reviews

3.6 Rating 530 Reviews

66 %

of reviewers recommend Tesco Bank

Company Reviews

3.6

Based on 530 reviews


Shipping & Delivery
Delivery Methods	Own Driver, Postal Service
Customer Service
Communication Channels	Telephone, Live Chat, Email
Queries Resolved In	Over A Week

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Tesco Bank 1 star review on 21st May 2020

Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Tesco home Insurance! part of Tesco Bank. Avoid them. My renewal quote this year had gone from £350 last year to £600 this year, no claims, no explanation. But they had also increased the excess needed to pay. No way to email them as they don't have an email. Do a comparison online and Tesco home insurance is £304 so they lost a customer, don't trust your renewal quote especially if it has doubled. Tesco are ripping you off. Used NFU far better speaking to a person over a coffee rather than a computer.”

Posted 1 month ago

“VerY poor, avoid”

Posted 3 months ago

“Please avoid Tesco loan, they will waste your time. People who work there have no clue what they are doing. I initially applied for loan on 13th Dec and was approved at5.9% which was cheapest at the time. After the application no sign of any email or text. Called up next day and I was told a letter has been posted. Waited for over a week and didn’t receive any letter. Called up again and I was given all sort of reasons beacuse of Christmas postal service is slow. They said they have sent 3 letter and I only receive 1.. Also they don’t have email facilities so I can’t receive or send documents electronically. Waited for 2 weeks to get the letter. Finally letter came through. Posted back with requested documents. Within few days I had a phone call saying they need to see back part of the biometric card which was never mention previously. Sent 2 letter paid £7.35 for each letter on next day delivery so I can get the money on time. On 9th Jan I had another phone call from Tesco loan money will be in my account with 2 hrs. After the previous phone call within 30mins I had another phone call from Tesco saying my application has been declined. due to affordable reason.. what a waste of time promising loan and making people wait for 3 weeks and saying it’s been declined. Why were these checks not done previously? ABSOLUTELY UNPROFESSIONAL. Case was handle by team leader / manager Suzanne and Greg.”

Posted 3 months ago

“After 2 years of being in their words " a very good customer " and with no claims in 30 years they increased my insurance on a C1, valued at £2/3k, from £320 to £804, when I contacted them to try to reduce my bill, I took 3 family members ( all in their 40s/50s ) off and reduced my mileage from 5000 to 4000 and their quote went up to £840. Needless to say I am no longer a good customer”

Posted 4 months ago

“Banking app not working. They told me I had the wrong pay plus card, passed around for 2 hours with the payplus card and credit card payment. 3-4 months later still cannot pay my credit card through the app, now can't pay it through the on line banking webpage...I love my card, I am going to end up cutting it up as I am losing trust. I have it set up to pay off in full, though I always pay usually manually worried it won't pay off in full now....I dont have the strength to call them again as they don't have a clue, just passed about last time. Heart broken”

Posted 4 months ago

“Since 12 June 2023, I have been trying to add my Tesco Loan to my existing online account (existing credit card customer) without success. For context, I have been a Tesco Bank customer for many years. Despite the online account system allowing you to ‘add other accounts’ it is simply a web form upon which entering, you are informed ‘someone will be in touch’. To date, nothing has been done, and when I call your staff, I get passed from pillar to post. What’s more, your ‘complaints department’ were unable to help! Numerous phone calls and emails later, I have now resorted to FOS as I am still unable to manage my loan online. Your organisation is fragmented and inept. Once FOS look into it, I will be cancelling both accounts with you and using a conventional bank.”

Posted 4 months ago

“Ridiculously overzealous with the security protocols. Have to authorise every online transaction through the app even if its for £2. I can just spend £100 contactless in store with no issues - make it make sense.”

Posted 5 months ago

“I was a member of Tesco Black Box car insurance for a duration of two years. On the 25th of March 2022, I was involved in a vehicular accident, following which I was provided with a replacement vehicle by Enterprise Rent a Car, facilitated through my Tesco Black Box insurance policy. My own vehicle was deemed a total loss, and subsequently, Tesco Insurance disbursed a payout to facilitate a replacement vehicle. This pay-out was subject to a £350 deduction as an excess, with a commitment from Tesco Insurance to reimburse this amount once I was determined to be not at fault. Upon procuring a new vehicle, I chose to retain my insurance coverage with Tesco, incurring an additional £90 fee for the change in the insured vehicle. I was assured that this fee would be reimbursed upon a determination of non-fault status. Furthermore, Tesco Insurance imposed an additional premium of £317 on top of the pre-existing insurance costs for my previous vehicle. Despite my persistent attempts to engage with Tesco Black Box insurance, documented through a series of interactions on 17.05.22, 24.06.22, 28.06.22, 30.06.22, and 02.09.22, no substantive updates were provided regarding the payment from the third party insurance. Subsequently, Tesco Insurance directed me to contact the third-party insurer independently to secure the return of the excess amount. I duly contacted the third-party insurance provider and successfully reclaimed my excess. Nonetheless, Tesco continued to levy a premium of £998.64 for my insurance coverage, even after my policy was renewed on 01.11.12. This was contingent on their assurance that the premium would be reimbursed once a non-fault determination was established. Over the course of more than a year, I maintained regular contact with Tesco Insurance, seeking reimbursement for the expenses. No progress was made in resolving my claim, and Tesco consistently declined to provide the promised reimbursement. Frustrated with the lack of resolution, I opted to terminate my insurance policy with Tesco Insurance on 15.10.23. To my surprise, this action incurred an £80 cancellation fee, and an additional £50 charge for failing to return the black box device, even though such an option had not been presented. Subsequently, I received an email from Tesco Insurance on an unspecified date, confirming the receipt of their payout from the third-party insurer. They also affirmed my non-fault status in the accident and assured the removal of any claims affecting my no-claim discount. Subsequently, I initiated contact with Tesco to request the reimbursement of the outstanding sums. Multiple formal complaints were lodged with Tesco Insurance through email and live chat, all of which have been meticulously documented. In light of the absence of responses from Tesco, I sought legal counsel to pursue the resolution of this matter. On 17.10.23, I received correspondence from Enterprise Rent a Car, stating that they have not received the payment they were due from the third-party insurer, adding to the complexity of the situation. The Enterprise Act 2016 made it an implied term of every insurance contract (taken out since 4 May 2017) that the insurer must pay any sums due in respect of an insurance claim within a “reasonable time”. 1 year and 7 months is not reasonable”

Posted 6 months ago

“Incompetent Clowns Because of raising interest rates I transferred money from my current ISA provider to Tesco Bank, after nearly a month of holding my ISA nothing showed up on my account, after numerous phone calls letters and emails they claim that they do not have my money. My current provider has transferred my ISA to them and this can be proven so I am moving away from Tesco Bank they are nothing but incompetent Clowns Date of experience: 09 September 2023”

Posted 7 months ago

“I have a fixed term ISA with Tesco Bank £15000 i asked them to close my account. They said NO... I have mental health issues. Clinical depression. And for the first time in over 20 years I'm expecting suicidal thoughts. Thanks Tesco Bank!!!”

Posted 7 months ago

“tesco is a greedy company thats what went wrong your all about money i would not recomend your company to any one you robbed me steven roberts”

Posted 7 months ago

“Can't even change my phone number online to access my own account. Have to rely on snail mail 🙄”

Posted 8 months ago

“What can I say absolutely disgraceful company, got a 0% transfer balance card had it for around 12 months paid every payment early!!! one month never got my bill reminder off tesco app so was a few days late on which I paid double payment and what do you know they cancelled my 0% interest????? in this current financial crisis I was late as there system never sent me my statement! no common sense they never admited there statement never got sent also never informed me via there app or email but sent letters that took 2 weeks to get to me for the extra interest,, prior to that I paid every payment early for all the other months, i just transferred my balance to another provider and got a better deal, also i went to cancel my card but had to print a form off there site fill it in then scan it and email it to them on which 3 days gone but no reply?? I have had cards i have had in the past were i have simply cancelled on the app and within a day its all done it does show how backward this organisation is, tesco bank are not a good organisation and there is a lot better out there i would say they are very underhanded in the way they do things. Be careful with them.”

Posted 11 months ago

“you advertise yourself as a quick loan with payment within 2 hours. My loan was accepted more than 1 week ago, but it hasn't arrived since then. This country of loans would have transferred my money to any other bank. It is a mistake to choose this company because their service is zero and the call center condescendingly asks why I am calling them. amateur lazy obnoxious people work as they do in tesco. your work is not worth a single star, that's the truth!!!”

Posted 1 year ago

“AVOID AT ALL COSTS!!!! My wife was insured through Tesco. Had a fender bender, new bumper and bonnet needed. No structural damage, confirmed by mechanic. Tesco's took almost 2 weeks to assess the damage, during which she was told twice it would be cat c and could go ahead with repairs. Got repairs done and an MOT to prove roadworthiness only to be told it was cat b and is considered unroadworthy, all from some photos.... refusing to reassess, Customer service appalling. We've spent a fortune on cabs to get to work whilst waiting for a response, God knows how many phonecalls, gone ahead with repairs as agreed on 2 calls and now we're being told it's unroadworthy and we cannot drive it. DO NOT INSURE WITH TESCO!!!”

Posted 1 year ago

“An unacceptable waiting time to speak to someone. I only wanted to add a mobile phone number to my details when downloading and registering the App as whenever I purchase something with my credit card of longstanding, the security check goes to my landline. The app told me to phone you. I spoke to a very polite lady, answered a mass of security questions but was then told that this was not sufficient security! I now have to wait 5-7 days for a letter and then go through this whole process again. I’m pleased to know how careful you are being, but I find this just a bit too much and extremely frustrating.”

Posted 1 year ago

“Isa transfer completed but Tesco bank account still not showing the cash has landed in my account. Only contact to customer services is by phone and to get an answer requires being put on hold for over 15 minutes. Gone off this company - too much stress - already shopping at Aldi.”

Posted 1 year ago

“What in 2022 should be a simple process of applying for a loan became an absolute nightmare , I had the opportunity to purchase a bargain of a car and needed to secure a quick loan Being a Tesco credit card customer of over 20 years I have a Tesco bank login and phone app. After several attempts to apply for a loan on the app I kept getting sent back to restart the process no joy there ! 15 minutes on hold for help , got told can't apply for loan on the app beggars belief the app couldn't point this out ! Was advised to visit the Tesco bank website and not to login just apply for a loan ,as we entered all the necessary details a box popped up pointing out that we were existing customers and we would need to login and apply So now we're logged in and filling out the application for the umpteenth time when a box pops up pointing out we're existing customers and we need to login , top of screen clearly shows we are logged in. Another 15 minutes on hold , very helpful and apologetic person offers to transfer us to a phone advisor who can complete loan application on the phone. Whereas an online application will give a near instant decision , 15 minutes later the phone service advised me it would take a week for an answer and over two week for the funds if accepted . At this point we declined and took out the loan with Barclays and got accepted and funds actually transferred into our account all within ten minutes. How a loyal Tesco shopper , clubcard and credit card customer can be treated so shabbily I just don't know. My wife and I own our house with no mortgage and both earn decent wages no other loans or debts , top experian score possible I know usually I can't be bothered but this time I will change credit card provider and now shop at ALDI as I can't say Tesco anymore without stammering. What do you pay your IT department for because their not doing a good job.”

Posted 1 year ago

“Every attempt to contact customer service by telephone has resulted in an unacceptable waiting on hold time..”

Posted 1 year ago

“Tesco put my home insurance up by 30% rip off”

Posted 1 year ago

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Tesco Bank is rated 3.6 based on 530 reviews