Stripe Fees Calculator — United Kingdom Rates
Calculate Stripe payment processing fees. Forward and reverse calculations with up-to-date rates.
Transaction Type
Current Stripe UK Rates
Official| Type | Rate | Fixed |
|---|---|---|
| UK Domestic Card | 1.50% | £0.20 |
| UK Premium Card | 1.90% | £0.20 |
| European (EEA) Card | 2.50% | £0.20 |
| International Card | 3.25% | £0.20 |
| Bacs Direct Debit | 1.0%(max £4.00) | — |
Last verified: 2026-04-16 · Source
Select 'United Kingdom' from the region selector. Premium card rates (1.9% + 20p) apply to commercial and premium consumer cards. Currency conversion adds 2% on top of any rate when applicable.
Use reverse calculation to determine what to charge so you receive the exact amount you need after fees.
Stripe Fee Structure
UK Domestic Card
1.5% + £ 0.20
Applies to standard credit and debit cards issued in the United Kingdom — the lowest card rate for UK merchants.
UK Premium Card
1.9% + £ 0.20
Applies to commercial, corporate, and premium consumer cards issued in the UK. These carry higher interchange fees.
European (EEA) Card
2.5% + £ 0.20
Applies when the card is issued in the European Economic Area (EU + Norway, Iceland, Liechtenstein). Adds 1% to the domestic rate.
International Card
3.25% + £ 0.20
Applies when the card is issued outside the UK and EEA. Adds 1.75% to the domestic rate.
Bacs Direct Debit
1% (max £ 4.00 )
Applies to UK bank account payments via Bacs Direct Debit; the fee is capped at £4.00 regardless of transaction size.
Rates last verified on 2026-04-16. Source: Stripe official pricing . Select 'United Kingdom' from the region selector. Premium card rates (1.9% + 20p) apply to commercial and premium consumer cards. Currency conversion adds 2% on top of any rate when applicable.
Example Fee Calculations
| Amount | UK Domestic Card | UK Premium Card | European (EEA) Card | International Card | Bacs Direct Debit | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| Fee | You Receive | Fee | You Receive | Fee | You Receive | Fee | You Receive | Fee | You Receive | |
| £25.00 | £0.57 | £24.43 | £0.68 | £24.32 | £0.83 | £24.17 | £1.01 | £23.99 | £0.25 | £24.75 |
| £50.00 | £0.95 | £49.05 | £1.15 | £48.85 | £1.45 | £48.55 | £1.83 | £48.17 | £0.50 | £49.50 |
| £100.00 | £1.70 | £98.30 | £2.10 | £97.90 | £2.70 | £97.30 | £3.45 | £96.55 | £1.00 | £99.00 |
| £500.00 | £7.70 | £492.30 | £9.70 | £490.30 | £12.70 | £487.30 | £16.45 | £483.55 | £4.00 | £496.00 |
| £1,000.00 | £15.20 | £984.80 | £19.20 | £980.80 | £25.20 | £974.80 | £32.70 | £967.30 | £4.00 | £996.00 |
| £5,000.00 | £75.20 | £4,924.80 | £95.20 | £4,904.80 | £125.20 | £4,874.80 | £162.70 | £4,837.30 | £4.00 | £4,996.00 |
All amounts in GBP. Fees calculated using current Stripe rates.
How Stripe Pricing Works
Stripe charges a percentage of the transaction plus a flat fixed fee per payment. For UK domestic card transactions — standard credit and debit cards issued in the United Kingdom — the rate is 1.5% + 20p. The fixed 20p component becomes significant for small amounts: on a £5 payment, 20p alone represents 4% of the total before the percentage is applied.
Not all UK-issued cards attract the same rate. Commercial cards, corporate cards, and premium consumer cards (such as Visa Signature or Mastercard World Elite) carry higher interchange costs, so Stripe charges 1.9% + 20p for those. Cards issued in the European Economic Area (EU plus Norway, Iceland, and Liechtenstein) cost 2.5% + 20p. Cards issued outside the UK and EEA — for example, a US or Australian card — are charged at 3.25% + 20p. If Stripe also handles the currency conversion, an additional 2% applies on top of the applicable rate.
For UK bank-to-bank payments, Bacs Direct Debit is a low-cost alternative: 1% with no fixed fee per transaction, capped at £4.00 regardless of transaction size. A £1,000 invoice costs £4.00 in fees rather than the £15.20 a domestic card payment would incur. Bacs suits recurring subscriptions and larger B2B invoices, though the settlement window is longer than card payments and customers must authorise a Direct Debit mandate beforehand.
All fees are deducted automatically before Stripe transfers funds to your UK bank account. There are no monthly fees, setup fees, or minimum volume requirements on the standard plan. Stripe's default payout schedule for UK accounts is a 2-day rolling basis — payments collected on Monday arrive in your account on Wednesday.
Using Stripe in the United Kingdom
UK Stripe fees are meaningfully lower than US fees: the domestic card rate of 1.5% + 20p compares favourably to the US rate of 2.9% + $0.30. This difference reflects the lower interchange rates set by the UK's card networks post-Brexit, where regulation has kept consumer card interchange under tighter control than in the US market. For UK merchants processing mostly domestic cards, this translates to a noticeably smaller fee burden per transaction.
VAT-registered UK businesses should note that Stripe charges VAT at 20% on top of its processing fees. On a £1.70 fee for a £100 transaction, the VAT adds 34p, making the true cost £2.04. However, this VAT is fully reclaimable as input VAT on your next VAT return, so for VAT-registered businesses it is a cash flow consideration rather than a permanent cost. Stripe's invoices include the VAT breakdown needed for reclaim purposes.
Stripe's UK implementation fully supports Strong Customer Authentication (SCA), required under the Payment Services Regulations 2017 (the UK's post-Brexit equivalent of the EU's PSD2). SCA means that for many online card transactions, buyers must complete a two-factor authentication step — typically through their bank's 3D Secure flow. Stripe Radar and Stripe's Payment Intents API handle SCA compliance automatically, including applying the available exemptions (low-value transactions, merchant-initiated payments, trusted beneficiaries) to minimise unnecessary friction for buyers.
Frequently Asked Questions
What are Stripe's fees for UK domestic card payments?
Stripe charges 1.5% + 20p per successful card transaction for standard UK-issued cards. For example, on a £100 payment the fee is £1.70 and you receive £98.30.
What does Stripe charge for premium or corporate cards in the UK?
Commercial, corporate, and premium consumer cards issued in the UK are charged at 1.9% + 20p. On a £100 payment that's £2.10 in fees, leaving you with £97.90.
How much extra does Stripe charge for EEA and international cards?
EEA cards (issued in the EU, Norway, Iceland, or Liechtenstein) cost 2.5% + 20p. Cards issued outside the UK and EEA — such as US or Australian cards — cost 3.25% + 20p. If Stripe handles the currency conversion, an additional 2% applies on top of the card rate.
Does Stripe charge monthly or setup fees for UK accounts?
No. Stripe's standard plan for UK merchants has no monthly fees, no setup fees, and no minimum transaction volume. You only pay per successful transaction.
What is Stripe's Bacs Direct Debit pricing?
Stripe charges 1% for Bacs Direct Debit payments, with a maximum fee of £4.00 per transaction. A £1,000 invoice costs £4.00 in fees rather than the £15.20 a domestic card payment would incur — a significant saving for large or recurring invoices.
How do I calculate what to charge so I receive a specific amount after Stripe's UK fees?
Use the reverse calculation formula for the domestic rate: charge = (desired amount + £0.20) / (1 − 0.015). To net £100, you need to charge approximately £101.93. Use the reverse calculator on this page to compute any target amount instantly for any rate type.
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