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Contactless

Contactless

Pay for goods and services up to £30 by contactless. It's fast. It's easy. It's secure.

Fast. Easy. Secure.

It's fast

No more searching for change. No more getting caught short when you forgot to stop by the ATM. No more hanging around for change or receipts (unless you want one).

It's easy

Pay for goods and services up to £30 by contactless. You won't need your PIN for most transactions. Simply touch your card to the reader and the transaction is complete. It takes seconds.

It's secure

Contactless payments are safe and secure. You're fully protected against fraud in just the same way as Chip & PIN payments. From time to time you may be asked to use your PIN for extra security.

Using contactless

  • 1. Look

    Look for the contactless symbol when paying for items up to the value of £30.

  • 2. Touch

    Touch your contactless card against the symbol until the lights turn green.

  • 3. Confirm

    A beep indicates successful payment. For extra security you may occasionally be asked to enter your PIN.

Common questions

  • How do I know if my card comes with contactless technology?

    If you see the following symbol on your card it means that your card comes with contactless technology:

    A debit card showing the contactless logo

  • What is contactless technology?

    Contactless technology is a fast and easy way to pay for goods and services of £30 and under without entering a PIN. Contactless cards have an embedded antenna in the plastic so that when it is used at a contactless reader it securely transmits purchase information to and from the contactless reader. All you have to do is place your contactless card over the contactless reader to make the payment.

  • How does contactless technology benefit me?
    1. It’s faster and easier than other types of payment
    2. You don't always have to carry cash or worry about looking for exact change when making small value everyday purchases at participating retailers
    3. You don’t have to enter your PIN for payments of £30 and under. You may have to on some occasions as a security measure to verify that you, the authorised cardholder, are still in possession of the card
    4. There’s no need to queue for so long as contactless speeds up the time it takes to make a payment.
    5. You are in control because your card never has to leave your hand when making a payment at the reader
    6. You will have a record of all your everyday purchases on your account statement
  • Do I have to wait for my card to expire before I can have a contactless card?

    Most customers will receive a contactless card when their current card expires. If you want to have this new option to pay, call us to arrange this. Please be aware that a small number of our cards are unable to be issued with contactless functionality at this time.

  • How long will it take for contactless payments to appear on my account?

    As with other card transactions, payments will normally be deducted from your balance within 2-3 working days, so it's important that you're aware of transactions you've made.

Security

  • Is contactless technology secure?

    Yes. Contactless transactions are processed through the same secure networks used for all other Visa transactions (same as Chip and PIN) so you can feel confident when using it to pay for items. There is a maximum amount of £30 and under 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, so long as you report it to your bank as soon as possible in accordance with your bank’s terms, you won’t have to pay for any fraudulent use.

  • If my contactless card is stolen, could it be used repeatedly to pay for items?

    Your new card has built in security features that limit the number of transactions up to £30 per transaction before a PIN is requested to prevent this happening. Any transaction that you don't recognise should be reported to us as soon as possible to be investigated and as with any card we ask you to contact us as soon as you realise that your card is missing. Cards should be reported as Lost or Stolen as soon as discovered by calling 0345 600 6000 (Charges apply.)

Using contactless

  • Do I have to use contactless instead of using Chip & PIN or cash?

    Contactless offers you the choice of a quick and convenient way to pay for goods up to the value of £30, however you can continue to make payments by cash or Chip & PIN should you wish.

  • Will I be charged for paying with contactless?

    Using contactless is fee-free to all our customers.

  • Could I be charged twice?

    No. Once you have touched your card on the card reader to pay for that transaction, the transaction is cleared from the terminal and it will appear on your statement. The terminal is tested and certified to only read one card at a time for each transaction.

  • How long does a contactless transaction take?

    Once you have been asked to present your card, the transaction typically takes less than a second. As contactless is designed to be a quick, easy way to pay, retailers will generally not provide a receipt unless you ask them to.

  • Can I make a contactless transaction overseas?

    As within the UK, it would depend upon the retailer. This technology is already available in Spain, Switzerland and others areas in Europe. If you see the contactless symbol, you will be able to use your card in this way, if not you can still use Chip & PIN wherever you see the VISA symbol.

    Please be aware that the contactless transaction limit of £30 may vary depending on local limits (may be more or less).

  • How close to the reader do I need to be?

    When prompted, you should hold your card within 5cm of the contactless terminal.

  • Is a receipt produced for a contactless transaction?

    As contactless is intended to be quick and convenient, receipts are only given on request. Please note that this may not be directly available in certain circumstances; for example, when paying for transit with a contactless card.

  • Is there a limit on the value of goods I can purchase with my contactless card?

    You can use your contactless card to pay for items of £30 and under. For purchases over £30 you will need to carry out a full chip and PIN transaction.

  • What happens if I have more than one contactless card and / or an Oyster card in my wallet / purse when I touch the card reader?

    The card reader is designed to reject payment where it can see that there is more than one contactless card present, a red light will be shown on the reader to tell you the payment has not completed and the terminal will say ‘please present one card only’. We do not recommend touching your wallet against the reader if you have more than one item in it that communicates contactlessly.

  • Could I unknowingly make a purchase as I walk past a reader?

    No. The retailer must have entered the amount for you to approve first, and then your card has to be held within 5cm of the terminal for longer than half a second.

  • Can I use contactless to get cash out at an ATM?

    No, you can’t get cash out of an ATM using contactless.

  • Can I use contactless to get cashback?

    No. cashback is not available on contactless transactions. If you wish to receive cashback you can still use your card to make a standard Chip and PIN transaction.

Transport for London

  • Where can contactless payment cards be used for travel?

    Contactless payment cards are now accepted for travel on Tube, tram, London bus journeys, DLR and London Overground services.

  • Will I be able to use contactless payment cards on TfL services as soon as I get them?

    You will need to make a Chip & PIN transaction and a separate contactless transaction before your card is accepted for travel.

  • If I have a joint account, can we both use our cards for travel?

    Yes, even if the cards look exactly the same (number, etc), we will identify them separately to ensure that each card is charged the correct amount each day.

  • Will I be able to add Travelcards or Bus & Tram passes to my contactless payment card?

    No.

  • What are the benefits of using contactless payment cards for travel in TfL services?
    • You do not need to get an Oyster card in advance
    • You do not need to top up your card before you travel
    • It is cheaper than paying cash
    • You do not need to spend time choosing a ticket
    • You can benefit from daily and Monday to Sunday capping
  • Will using a contactless payment card be the same as using pay as you go on Oyster?

    Yes.

    You should just touch your contactless payment card on a yellow reader in the same way as for Oyster:

    • as you board a bus
    • before you board a tram
    • at the start of all journeys on Tube, DLR and London Overground and again at the end of the journey

    If you do not touch in and out as required you could be charged a maximum fare or be liable to a Penalty fare.

  • Do I have to remove my contactless payment card from my wallet to touch in?

    If you have more than one contactless card (including an Oyster card or building pass), you will need to keep the one you are using for travel separate when touching in and out. If you touch more than one contactless card on a reader at the same time, you might be charged a fare from a card you did not intend to pay with.

  • Do I need to hand over my contactless payment card to a member of TfL staff to resolve an issue?

    No.

    TfL staff do not need to handle contactless payment cards. However, you must show your contactless payment card to a revenue inspector if asked; this may mean you have to touch your card on an inspector’s card reader.

  • What are the benefits of having a TfL online account?

    Signing up for an online account allows you to:

    • View journey history for up to 12 months.
    • View details of travel charges.
    • Self serve to complete an incomplete journey.
    • Receive notifications about contactless payment cards to resolve issues.
  • How will I be able to check my journey history?

    Customers who sign up for an online account with TfL will be able to see journey and payment history for the previous 12 months.

    Customers can sign up for a TfL online account by visiting the TfL website at tfl.gov.uk/fares If you do not have a TfL online account, you can still access seven days travel information from the TfL website.

    Customers will not be able to check journey history at stations on ticket machines or at ticket offices. They will only be able to check their journey history at stations if they have a smartphone with internet access.

  • Will I be issued with a receipt when I use my contactless payment card to travel?

    No. Using a contactless payment card will be the same as Oyster.

    To see details of your journey and payment history for the previous 12 months, customers should sign up for an online account with TfL.

  • What happens if I touch in with one card and touch out with another on the same journey?

    You will be charged maximum fares for two incomplete journeys.

  • How much will it cost to travel with a contactless card?

    You will be charged an adult pay as you go fare at the same rate as on Oyster. You can also benefit from daily and Monday to Sunday capping.

  • Can I put a season ticket on my contactless payment card in the same way as on Oyster?

    No. You can only pay as you go using your contactless card. However you can benefit from Monday to Sunday capping.

  • What happens if I have more than one contactless card and / or an Oyster card in my wallet / purse when I touch the card reader?

    We strongly recommend that your card is presented for payment on its own in the same way it is used at other shops and not presented with a number of cards. If you touch more than one contactless card on a reader at the same time, you might be charged a fare from a card you did not intend to pay with.

    The card reader is designed to reject payment where it can see that there is more than one contactless card present, this is known as ‘Card Clash’. A red light will be shown on the reader to tell you the payment has not completed and the terminal will say ‘please present one card only’. We do not recommend touching your wallet against the reader if you have more than one item in it that communicates contactlessly.

    Customers can find out more information about card clash at the following address:

    https://www.tfl.gov.uk/fares-and-payments/contactless/card-clash