Bank statement charge
What is TFL TRAVEL CHARGE on my bank statement?
Who charged you
Transport for London TfL
TFL TRAVEL CHARGE is Transport for London (TfL) charging the contactless card or mobile wallet you used on the Tube, buses, DLR, Overground, Elizabeth line or trams. It covers all of a day's journeys on that card in one payment, which usually shows within three days of travel.
How it can show on a statement
TFL TRAVEL CHARGETFL TRAVEL CHTFL TRAVEL CHARGE TFL.GOV.UK/CPTFL.GOV.UK/CP
7 more ways it shows
Travel chargesUnpaid faresTFL TRAVEL REFUND TFL.GOV.UK/CPTravel refundsOYSTER AUTOTOPUPOYSTER RENEW WEBTFL CYCLE HIRE
Find out what it was
- 1
Sign in to your TfL contactless and Oyster account or the TfL Go app and open the journey and payment history for that card; it lists the journeys behind each daily payment.
- 2
Look at the days before the payment date: payments usually show within three days of travel, so the journeys are often from an earlier day.
- 3
Check which card or device you travelled with: a mobile wallet counts as a different card from the plastic one, so its journeys sit under their own payments.
- 4
Look for incomplete journeys in the history and for an Unpaid fares line from the same period.
- 5
Ask anyone who shares your card, or holds a second card on a joint account, whether they travelled in London that day.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to TfL, 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 “TFL TRAVEL CHARGE”?
It is TfL's own name, sometimes cut short by the bank to TFL TRAVEL CH. There is no station or route because one payment covers a whole day of travel, so the line rarely matches a single journey you remember.
Banks label the same payment in different ways: TFL TRAVEL followed by CHARGE or REFUND, a web-style name ending in /CP, or TfL's plain labels Travel charges, Unpaid fares and Travel refunds.
Why you might see this charge
- A day of pay as you go travel: all journeys on one card added together and capped per day and per week (Monday to Sunday) in Zones 1 to 9.
- A maximum fare for a journey that was not completed, for example because you did not touch out or your mobile battery ran out.
- Card clash: the reader took payment from a different card or device in your wallet from the one you meant to use.
- Someone else travelling with your card, or a second card on a joint account, which is charged separately.
- An unpaid fare collected later after a declined payment, which can show as Unpaid fares.
- An Oyster auto top-up or a TfL cycle hire, which show under their own Oyster or cycle hire names.
Is TFL TRAVEL CHARGE legit?
Real: TFL TRAVEL CHARGE is Transport for London's own fare payment, and every journey behind it shows in the TfL account for the card you travelled with.
Unpaid fares are collected from the card you travelled with or settled in your own TfL account, so treat any text or email that asks you to pay a fare or a penalty through a link with care. Check the journey history in your TfL account or the TfL Go app instead.
Other charges people look up
| On your statement | Who charged you | What it usually is |
|---|---|---|
| HMRC NDDS | HM Revenue & Customs | HMRC NDDS is a Direct Debit to HM Revenue & Customs, collected through its National Direct Debit System. |
| PAYMENTUS.COM | Paymentus | Paymentus is Paymentus, the company that runs online and automated bill payments for many utilities, cities, insurers… |
| H3G | Three | H3G is Three, the UK mobile network, whose company name is Hutchison 3G UK Limited. |
| VIOC | Valvoline | VIOC is Valvoline Instant Oil Change, the quick oil change chain where you stay in your car while it is serviced. |
| AWP P&C SA | Allianz | AWP P&C SA is the Allianz Partners insurer behind Allianz Assistance and many policies sold under other brands. |
| HOME INSURANCE LBIS | Lloyds Bank | HOME INSURANCE LBIS is Lloyds Bank Insurance Services, the Lloyds Banking Group company behind Lloyds Bank, Halifax… |
| DOXO* | doxo | DOXO* or DOX* before a company's name means a bill was paid through doxo, an independent bill pay service, not… |
| HERTZ TOLL | Hertz | HERTZ TOLL is PlatePass, the toll program in Hertz, Dollar and Thrifty rental cars. |
Questions about TFL TRAVEL CHARGE
What does TFL TRAVEL CH mean?
It is TFL TRAVEL CHARGE cut short by the bank: Transport for London's payment for a day of contactless travel on one card.
Why is there one TfL payment for several journeys?
TfL adds up all the journeys made with one card in a day and takes a single payment, capped per day and per week (Monday to Sunday). That is why the line shows no station or route.
What is an Unpaid fares payment from TfL?
It is a fare TfL could not collect at the time, for example after a declined payment, taken later from the card you travelled with. Until it is paid, that card cannot be used to travel again.
What can I do about a TfL charge I did not agree to?
File a complaint on Complain.biz. We write it with you and send it to TfL, so you do not have to chase it yourself.
Based on
- TfL: Pay as you go with contactless and mobile (bank statement labels, card clash, caps)
- TfL: Contactless and Oyster account (7 days history without an account)
- TfL: Fares
- Barclays: How a contactless payment to TfL appears on your account
- Emma: How TfL appears on your bank statement