On 13 January 2018 it became illegal for businesses to charge any fees for credit or debit card payments.

As this law is an EU directive, all companies across the EU are also banned from charging customers these extra fees.

The law also applies to government services, including HMRC and the DVLA.

Any business caught charging customers for card payments after the deadline will be ordered to repay the fees and could face a hefty fine.

Businesses will be allowed to charge for cashback, and ATMs are outside the scope of the rules.

Retailers can continue to impose a minimum spend for card payments if they wish – this is typically £5 or £10.

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