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Contactless is a fast and easy way to pay for goods and services up to £30 without entering a PIN. Contactless cards work with a contactless reader to securely transmit purchase information. All you have to do is touch your contactless card onto the contactless reader to make the payment.
If you see this symbol on your card it means the card comes with contactless technology.
It’s faster and easier than other types of payment:
Look out for the contactless symbol when shopping for purchases of £30 and under.
Tell the retailer you'd like to use your contactless card and simply touch it directly onto the card reader. Lights on the reader will indicate when payment is complete.
You can use your contactless card wherever you see the contactless symbol
No. Contactless technology is an additional feature on your card. However, it’s up to you to choose how you want to pay.
If you’re a new credit card customer you’ll automatically receive a contactless card.
If you’re an existing customer with a MasterCard® credit card we’ll send you a contactless card automatically when your current card expires, or if it need replaced because it’s lost, stolen or damaged.
Existing customers with a Visa credit card won’t receive a contactless card.
You can use your contactless card to pay for items of £30 and under. For purchases over £30, you need to pay using chip and PIN.
The card reader will indicate that the payment has been made – a light, beep or indicator will let you know the payment has been successful.
If you would like a receipt to confirm the contactless transaction, just ask the merchant when you pay.
This may not be directly available in some circumstances; for example, paying for travel by tapping your card on an electronic ticket reader, or using a contactless card at a vending machine.
We recommend that you touch the card to the reader, and take the card out of your wallet or purse before you use it.
No. You need to use your PIN for these transactions.
You will be asked to make a chip and PIN transaction for additional security.
Yes, but the contactless transaction limit of £30 may vary depending on local limits — it may be more or less.
No, there are no additional fees for using your contactless card.
No, these transactions will be treated as any other purchases on your credit card unless the underlying transaction is usually treated as cash - such as currency purchases.
You can use a contactless card as a normal credit card to make a payment over the phone or online.
Yes. It uses secure encryption technology (the same as Chip and PIN) so you can feel confident when using it. There’s a maximum amount for a contactless transaction of £30. For added protection, from time to time, you may 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 so long as you report it to us as soon as possible.
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 to only read one card at a time for each transaction.
You may be asked to try your contactless card again if the first attempt to pay was unsuccessful but you only pay for a transaction once.
No. The retailer must have entered the amount for you to approve first, and then your card has to be held within a few centimetres of the terminal for no longer than half a second.
We don’t recommend touching your wallet against the reader as you may have more than one contactless card.
If more than card one is placed on the reader, the terminal will ask you to ‘please present one card only’. You will then need to select your chosen card and touch the card again for the payment to be complete.
Where the transit operator displays the contactless logo, you can use your contactless card to pay for travel.
To pay with contactless, simply touch the reader - as soon as you hear the beep, and / or see a light, you’re able to travel.
No. You just need to have sufficient funds to cover the cost of the fare.
This means that you can’t use that contactless card to pay for your intended travel. You’ll have to choose another contactless card or pay for your travel using other means. You can ask your travel operator what is the best way that you can pay for your travel.
No. Contactless card readers are only able to make one transaction at a time. As a safeguard, each transaction must be complete or void before another can take place.
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 someone makes several contactless payments in a row, they may be prompted to enter the card's PIN for security validation. Contactless transactions are further protected by the fact that they can only be made on items of £30 or under.
If your card is lost or stolen please let us know immediately and we'll cancel and replace it.
Let us know right away by calling 0800 678 3320. We’re open 24 hours.
If anyone has fraudulently used your contactless card, as long as you’ve kept your details safe, you’ll not be responsible for any losses.
No. Contactless card transactions are processed through the same secure networks used for all transactions. Your card never leaves your hand and each transaction has a unique, encrypted code that changes every time the card is used.
Security features include:
Contactless cards are a secure and convenient way to pay for small value transactions up to £30.
You should discuss any concerns about using a contactless card with your branch, relationship manager or telephone banking team.