Minimum £5 Spend On A Credit/Debit Card - HotUKDeals
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Minimum £5 Spend On A Credit/Debit Card

Andysan Avatar
9y, 4m agoPosted 9 years, 4 months ago
So i went to the chemist today to buy some man products, and not having much cash i went to pay by card. The lady informed me that there was a £5 minimum spend on a card. Needless to say i was most annoyed, and ended up having to split my man products and come back later.

I am convinced that i have read somewhere that it is illegal to do this now, can anyone enlighten me and provide some sort of documentation to suppport this please. Why do they have a minimum spend anyway?

Thanks in advance.
Andysan Avatar
9y, 4m agoPosted 9 years, 4 months ago
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#1
They have a minimum spend as they are charged like 50p a transaction to debit your card.
#2
ryouga
They have a minimum spend as they are charged like 50p a transaction to debit your card.

Well, I guess that explains why I was once charged 50p extra for something that I bought with my card at Cash Converters once then :?
#3
Most likely they are supposed to have a card out(in small print convienently) which says this I remember as someone mentioned they got charged that at Keystores recently
#4
The transaction charge should only apply to debit cards (credit cards normally work on a percentage of the total sale)
#5
Normally debit cards a free no matter what value (i've used mine for £5), But credit cards are charged as they get a fee themselves.
#6
Credit cards as has been said charge the shops a % of the transaction (variable but usually about 0-3%)....Amex frequently charge the highest % which is one of the reasons that in the UK there are a lot of retailers who don't accept it as a payment method.

Debit cards transactions are charged at a set amount (which last I was aware was nowhere near as high as 50p, it was fairly low...around the 12/15p mark, but this may have risen).

This means that some retailers will actually prompt you to pay by debit cards rather than credit as the transactional charge is lower for them. I know of at least one retailer that did a competition that you could only enter if your payment was made by Debit card (the amounts they were dealing in were in the £100's-£1,000's so %'s would have cost £'s rather than pennies on debit cards).
#7
IKEA charge for using credit cards now - 50p I think - but no debit cards.
#8
The card I used at the time, was a Visa Electron (so was obviously a debit).
#9
Mattitude
The card I used at the time, was a Visa Electron (so was obviously a debit).

Retailers adding a surcharge for small (or any) transactions won't necessarily ONLY be charging you what they are charged...it's another area they can make a profit on....
1 Like #10
Serious posts from Charlie.... never thought id see the day lol
#11
Yeah, its super annoying if you ask me. I swear that it was made illegal to do this lately?
#12
wow didnt know you get charged for ordering under £5 -- ive bought off the net for less than a fiver and havent been charged
#13
emasu
Serious posts from Charlie.... never thought id see the day lol


Someone told me it was a full moon...does odd things.....

dandoc2
wow didnt know you get charged for ordering under £5 -- ive bought off the net for less than a fiver and havent been charged


It's not everyone that does it Dan. It's usually small independants (newsagents, offies & such) that can't afford to lose 12-15p on a sale for a quid or 2....bigger companies generally absorb this cost into their overall prices.
[mod]#14
No minimum spend for a debit card at Tesco's......bought the dude some sweets for 25p and paid by debit card. :-D
#15
Think it works out at about 43p per transaction for debit cards at the moment.
#16
Mattitude
Well, I guess that explains why I was once charged 50p extra for something that I bought with my card at Cash Converters once then :?

Try paying for a holiday by credit card with a travel agent or holiday company.They add 2% on to the cost,so a £1000 holiday costs you another £20.Shocking.
#17
At my second job at the local newsagents, there is actually no minimum spend through requirements of machine there, just we have to enforce at least £5 spend because its hassle when its on card.
#18
jamesterror
At my second job at the local newsagents, there is actually no minimum spend through requirements of machine there, just we have to enforce at least £5 spend because its hassle when its on card.

Is it any less 'hassle' when it reaches £5.01 or more hassle than some old dear
chasing tiny little 5p's round her purse for 5 minutes??!?
#19
CHARLIETHIRTYTWO
chasing tiny little 5p's round her purse for 5 minutes??!?


Or those counting out the entire £5.01 from 2p's and 1p's, Then say "that should help with your change".......................Noooo you old bat, It makes you're purse lighter, that is all!! :roll:
#20
CHARLIETHIRTYTWO
Is it any less 'hassle' when it reaches £5.01 or more hassle than some old dear
chasing tiny little 5p's round her purse for 5 minutes??!?


The machine is hooked up to a 56k line. Takes a while. But I suppose an old lady hunting round slowly for 5p's can't keep up.
#21
Iom-RF
Or those counting out the entire £5.01 from 2p's and 1p's, Then say "that should help with your change".......................Noooo you old bat, It makes you're purse lighter, that is all!! :roll:


Don't go there. Some bloke paid me £12.50 I think it was with 8 £1 coins, 7 50p's and a pounds worth of 1ps + 2ps. Crazy. I prefer paying people out when they've won something on the lotto, there eyes light up :)
#22
Mind you, I once paid something worth £8 with a £10 note, The girl was like on automatic pilot, didn't even check and must have thought it was a £20 note, I got £12 change!, lol!
#23
Iom-RF
Mind you, I once paid something worth £8 with a £10 note, The girl was like on automatic pilot, didn't even check and must have thought it was a £20 note, I got £12 change!, lol!


Lol, I've nearly done that, but it was only 50p! But it was 6:30am, who buys a paper at that time?
[mod]#24
Iom-RF
Mind you, I once paid something worth £8 with a £10 note, The girl was like on automatic pilot, didn't even check and must have thought it was a £20 note, I got £12 change!, lol!


Did you give the £10 extra back to save the poor girl from getting in trouble?
#25
My friend worked in a bakers.. when people gave her a £20 note for a 50p cake she would give them £39.50 change. :| wish i knew that before they sacked her =) hehe

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