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Base Rate Calculator

If there is a change to the Bank of England Base Rate, then use this calculator to understand how your monthly payments could change.

See how your monthly payments could change

When the Bank of England Base Rate changes, this could affect the interest you pay on your credit card. Use our calculator to get an idea of how much your monthly payments could be following a Bank of England Base Rate change.

We recommend you use your current balance and current standard variable interest rate. You can find your current balance by logging onto Internet Banking and your current standard variable interest rate will be displayed on your credit card statement. Alternatively, if you’re not registered for Internet Banking you can use the balance on the last credit card statement we issued to you.

Remember that some of your balance may be on promotional rates which are not affected by changes to the Bank of England Base Rate. You should be mindful of this and exclude these balances when using the calculator. You may contact customer services on 0345 606 2172 (7am - 11pm, seven days a week) to obtain more information.