Bank statement charge
What is TESCO PFS or TESCO PAY AT PUMP on my bank statement?
Who charged you
Tesco petrol filling stations
TESCO PFS is a Tesco petrol filling station; PFS is short for petrol filling station. The charge is usually fuel or something from the kiosk. Paying at the pump can show as TESCO PAY AT PUMP, and your bank may first hold up to £120 before it drops to the fuel price.
How it can show on a statement
TESCO PFSTESCO PFS [number]TESCO PAY AT PUMP [number]
Find out what it was
- 1
Match the date and amount with a fill-up: a kiosk receipt, a fuel log or a trip that day.
- 2
If the amount is £120 or a round figure you did not spend, check whether it is still marked pending: that is the pump approval, not the final charge.
- 3
Open the transaction in your banking app: the merchant details may show the town of the station.
- 4
If you scan your Clubcard when you buy fuel, look for points collected on that date in your Clubcard account.
- 5
Ask anyone who shares your card or car whether they filled up or bought something at a Tesco petrol station that day.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to Tesco, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “TESCO PFS”?
Card payments at a Tesco petrol station carry PFS, short for petrol filling station, and a number that differs from one station to the next, instead of the TESCO STORES name used in the supermarket. In card data these lines carry the merchant category for service stations.
Fuel paid at the pump itself can show as TESCO PAY AT PUMP with a number, under the category for automated fuel dispensers. Before you fill up, the pump asks your bank to approve up to £120, the most you can buy at the pump, or less if your balance is lower. Tesco says it charges only for the fuel you took, but if your bank does not update the balance straight away, the larger amount can sit as pending for a while.
Why you might see this charge
- Fuel paid for at the kiosk of a Tesco petrol station.
- Snacks, drinks or other items from the petrol station kiosk.
- Fuel paid at the pump, shown as TESCO PAY AT PUMP, which can first appear as a pending £120 before it drops to the real amount.
- A pending amount larger than your fuel bill that your bank has not yet updated, next to the final fuel payment.
- Someone else who uses your card filling up at a Tesco station.
Is TESCO PFS legit?
Yes. TESCO PFS and TESCO PAY AT PUMP are Tesco's own petrol station payments, and the PFS name is normal for fuel and kiosk purchases there.
The usual worry is a £120 pending amount after paying at the pump. Tesco says it only ever charges for the fuel you bought; the pending figure is the approval your bank gave before you filled up, and some banks are slow to update the balance.
What people told us about charges from Tesco petrol stations
7 complaints about Tesco petrol stations on Complain.biz are about a charge.
Then he calculated the total amount charged in a very complicated way which I did not agree.
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Questions about TESCO PFS
What does TESCO PFS mean on my bank statement?
PFS stands for petrol filling station. A TESCO PFS line is a payment at a Tesco petrol station, for fuel or for something bought in the kiosk there.
Why has Tesco Pay at Pump taken £120?
Before you fill up, the pump asks your bank to approve up to £120, the most you can buy at the pump. Tesco then charges only for the fuel you took. If your bank does not update the balance straight away, the £120 can show as pending for a while.
Why is my Tesco Pay at Pump £120 still pending?
The pending amount is the approval, not the charge. Tesco says some card issuers do not update the balance in real time; the approval should drop off, leaving only the price of the fuel.
What happens at Tesco Pay at Pump if I have less than £120?
Tesco says your card issuer should then approve a lower amount, and the pump screen shows how much you can fill up to. Some card issuers do not allow a lower approval, and then the card may be declined at the pump.
What if I did not agree to a TESCO PFS charge?
File a complaint on Complain.biz. We write it with you and send it to Tesco, so you do not have to chase it yourself.
Based on
- Tesco: How you can pay for your fuel (Pay at Pump up to £120)
- Tesco: Authorising payments if your account has under £120
- Tesco: Bank statement incorrectly showing a £120 transaction
- Tesco: Collecting Clubcard points at Tesco Petrol Filling Stations
- South Staffordshire Council: Government procurement card transactions (TESCO PFS and TESCO PAY AT PUMP lines)
- Haringey Council: Purchase card expenditure (TESCO PFS and TESCO PAY AT PUMP lines)