Contactless is a quick and simple way to pay for items up to £30 without having to enter your PIN. With contactless, you just hold your card over the contactless reader. When the green light flashes, you’ve made your payment.
If you have a contactless card you’ll see this symbol on it.
Anywhere you see the contactless symbol.
Contactless is quicker and simpler than other types of payment:
Sometimes you’ll be asked to enter your PIN as an extra security measure.
No, it’s completely up to you. You can pay with contactless or Chip and PIN.
If you’re a new credit card customer your new card will be contactless.
If you’re an existing credit card customer with a Mastercard® we’ll send you a contactless card when your current card expires, or if it’s lost, stolen or damaged. If you’re an existing customers with a Visa credit card you’ll not receive a contactless card.
You can use it to pay for items up to £30.
If you want one, just ask, but receipts aren’t usually issued with contactless payments. Sometimes a receipt won’t be available, such as when you pay for travel with a contactless card.
A few centimetres is usually enough but if you touch your card lightly on the reader this will work. Make sure you take your card out of your wallet or purse first.
No, you’ll need to use your PIN to make these sorts of transactions.
It won’t be accepted. You’ll be asked to make a Chip and PIN payment.
No. Each country will have its own limit.
No, it’s just like a Chip and PIN payment. There are no extra charges for making a contactless payment.
No, it’s treated the same as any other purchase you make with your credit card, unless the type of transaction is usually treated as cash – such buying foreign currency.
You can use your credit card to make normal payments on the phone and online, but you can’t use the contactless feature for these transactions.
Yes. It uses secure encryption technology, just like Chip and PIN. You can’t use it for transactions over £30, and you’ll occasionally be asked to enter your PIN to check that you’re the card holder. If you lose your card, or it’s stolen, and tell us as soon as possible in accordance with our terms, you won’t be out of pocket if your card is used fraudulently.
No. Once you the reader accepts your transaction, the transaction is cleared. Readers are tested and certified to make sure they don’t accept more than one payment from the same card at the same time.
No. Your card must be just a few centimetres from the card reader for at least half a second, and the retailer must have entered the amount for you to approve.
If the transaction was successful, you’ll have to check your statements to find out what card was debited. That’s why we recommend that you take your card out of your purse or wallet before you make the payment.
If the reader detects more than one card, a red light will flash and you’ll be asked to ‘Please present one card only’.
Contactless only works when a card is within a few centimetres of the card reader. This makes it virtually impossible for any details to be intercepted while in use.
If they make repeated contactless payments, they'll be asked to enter your PIN. That’s why it’s important that you let us know right away if your card is lost or stolen. If someone uses your card fraudulently you’ll be fully covered and get your money back.
Remember, they won’t be able to pay for any transactions over £30 without knowing your PIN.
Let us know right away by calling 0800 678 3320. We’re open 24 hours.
If your card has been used fraudulently, and you’ve not shared your details with anyone else, you’ll be compensated for any money that’s taken from your account.
Talk to your local branch or our telephone banking team if you’re worried about using contactless payments. Remember, contactless cards are a convenient way to make payments up to £30, and they’re just as secure as Chip and PIN.