Supermarkets across the UK introduced a petrol payments change enforced by VISA and Mastercard last year.
The rule, which was created in 2021, means that those paying for fuel at the pump will be charged a £99 holding fee; which is a massive hike up from the previous £1 holding fee.
The recent change was announced as a security measure and is being rolled out in supermarkets nationwide. This method of holding fee is already implemented across much of Europe.
Supermarkets have explained that the temporary holding fee will be placed on your account, but only the actual charge of the fuel will be deducted from your account.
An ASDA spokesperson explained: "The solution makes it easier for you to keep control of your finances when you pay for your petrol at the pump, however if an issue does arise you should first contact the bank that issued your card."
What supermarkets have the £99 Petrol rule?
![](https://i2-prod.mirror.co.uk/incoming/article26222578.ece/ALTERNATES/s810/0_KP_HMB_161021_6747.jpg)
The rules were introduced a year ago across the country in various supermarkets including:
- Sainsbury's
- Tesco
- Asda
- Morrisons
Martyn James, runs the consumer website Resolver and helped address over 2,000 complaints about pay at pump charges last year.
He explained: “The way this is supposed to work is the money is "temporarily" held on your account (meaning you can’t spend it) until the end of the transaction when the correct amount should be debited,” he told The Mirror.
“Now the problem – as anyone who has used pay at the pump services will know – is sometimes the machines don’t do what they are supposed to.
![](https://i2-prod.mirror.co.uk/incoming/article26152034.ece/ALTERNATES/s810/0_GettyImages-176560698.jpg)
“People have been reporting problems anyway with automated pumps, with keying in details, incorrect billing and other issues. Many people are rightly concerned that the £99 is being debited in error after they’ve driven away.
“The good news is if this happens, it should be pretty clear that there is an error and your bank should be able to step in on your behalf if the petrol station provider of services is dragging its feet or isn’t contactable. But that’s not really the point.”
What if I don't have £99 in my account?
![](https://i2-prod.mirror.co.uk/incoming/article26152030.ece/ALTERNATES/s810/0_Out-of-use-petrol-and-diesel-pumps-are-pictured-at-a-Shell-fuel-station-in-London.jpg)
The hiked-up petrol pump rule has bred concern amongst customers who worry about insufficient funds.
One woman took to facebook to voice her concerns, writing: "Not very fair if you're on your last few pound in your bank."
VISA explain: "If your account balance is below £100, for example £50, this would be communicated back to the fuel pump by your bank enabling that amount of fuel to be dispensed.
"This means the pump will automatically cut out once you have reached the approved amount (or before if you choose to dispense less).
"This is called ‘partial authorisation’ and ensures you can get the fuel you need."