Contactless payment on your card

All new cards are contactless, if you are already a customer you will get a Contactless card when your card is renewed or replaced.

At any retailer who displays the contactless symbol:

No, but you will not be able to use your card for a contactless payment until you have first used your card for a chip and PIN transaction.

There is a maximum amount of £100 allowed per transaction and, from time to time, you will be asked to enter your PIN to verify you are the genuine card holder.

There are no additional fees for using your contactless card. However, standard fees and charges do apply. On Business Debit Card this includes the business account tariff relevant to your account.

Yes, you can use your contactless card abroad* just as you can in the UK. Contactless transactions will be accepted wherever the contactless symbol is displayed. Please be aware that the contactless transaction limit of £100 may vary depending on local limits (may be more or less).

*Transactions abroad will be subject to foreign exchange rate fees

As contactless is designed to be quick sometimes retailers may not give you a receipt. If you need one, for example to claim expenses, make sure you ask for a receipt when you pay.

Contactless transactions should be debited to your account within 2 days although this will depend upon when the merchant processes their payments.

Contactless is designed so that if you have more than one card in your wallet you cannot be charged twice.

However, you cannot be sure that the card you want to pay with will be debited if you just tap your wallet.
It's always a good idea to take your contactless card out of your wallet to pay - this will make sure that you pay with the card that you want to use.

Often all contactless cards will be declined if you present more than one card.

Normally less than 2cm although this does vary from terminal to terminal.

Yes. Contactless uses the latest secure encryption technology (same as Chip and PIN) so you can feel confident when using it to pay for items. There is a maximum amount of £100 allowed per transaction and, from time to time, you will be asked to enter your PIN to verify you are the genuine card holder. If your card is lost or stolen, you're protected against fraud loss providing you take the kind of precautions we recommend and let us know as soon as realise it’s gone.

You should report the loss or theft of your card immediately. You’re protected against fraud loss – providing you take reasonable precautions to protect your card and let us know as soon as you realise it's gone.

No. In a typical transaction, the sales assistant has to enter the amount for you to approve first, and then your card has to be held close to the terminal.

The only information that could be read from a contactless card is the card number, the expiry date and in some instances, the cardholder name – the same information that’s available on the front of your card.

Sensitive information, such as the CVV code (the three digit security code on the back of your card), PIN numbers, Visa Secure passcodes, card security codes, billing addresses and other hidden security data. cannot be read from a contactless card.

For full details of contactless fares please see https://tfl.gov.uk/fares-and-payments/

Yes. You can but you should make sure that you tap in and tap out of each journey using the same card. Also if you use different cards you may not be able to benefit from daily or weekly capping.

It's always a good idea to take your contactless card out of your wallet to touch the reader to make sure you pay with the card you wish to.

If you touch more than one contactless card (including an Oyster card) together on a card reader you could get a red light (which means you won’t have paid) or you could be charged on a card that you didn't intend to pay with.