Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
Change your contactless limit
You can do this in our app
- You can choose a limit between £30 and £95.
- We’ll block any contactless card payments above the limit you set.
- The changes will also apply to Google Pay and Apple Pay payments on your debit card, but not your credit card.
If you’ve reported your card lost or stolen, you’ll need to change your contactless limit on your new card.
Mobile Banking app guide
- Login and select Manage card on the bottom right of the app.
- Choose Card freezes and limits and scroll down to find Contactless limit.
- Choose an amount between £30 and £95 and save.
- That’s it – you’ve updated your contactless limit. You can easily remove your limit by selecting Reset to maximum and saving.
-
If you want to change your contactless limit but can’t access our Mobile Banking app, speak to us in branch or contact us over the phone.
Contactless explained
-
Contactless is a payment function where you can make payments without using your PIN worldwide. Within the UK the limit is £100. Other contactless limits apply outside of the UK, please ask the retailer. Remember you can still use your card for purchases using Chip and PIN.
The £100 contactless payment limit was introduced on the 15 October 2021, and requires retailers to update their terminals in order for payments up to this limit to be accepted.
-
Only contactless cards issued after 17th November 2017, including replacement cards, can be used worldwide wherever you see the contactless symbol.
-
It’s quick, convenient and saves you time. There’s no need to rummage around for the right amount of change, or enter your PIN for most of your contactless transactions.
-
Most contactless payments will appear in the main section of your online statement within a few days. However, some transactions may show first in the ‘View pending transactions’ section.
-
Absolutely. Your contactless card has the same anti-fraud protection as regular ‘chip & pin’ cards. If your card is lost or stolen, your card has protection against fraud loss, provided that you inform us as soon as you realise your card is missing. For added protection, you will occasionally be asked to enter your PIN when making a payment and your PIN will always be needed for payments of over £100.
-
Any retailer who displays the contactless symbol (please place the contactless symbol here) can accept contactless payments. This may also be displayed on the terminal. You can now use your contactless card to pay for journeys on TfL buses, London Underground, London trams, Docklands Light Railway, London Overground and some national rail services. You simply need to touch your card on the yellow reader as your board your chosen method of transport – there is no need to buy a physical ticket or key in a PIN.
-
You can now use your contactless card to pay for journeys on TfL buses, London Underground, London trams, Docklands Light Railway, London Overground and some national rail services.
-
No. The reader and card are configured to ensure that you will only be charged for one transaction.
-
For transactions over the contactless limit, the retailer will need you to make purchases using chip and PIN or swipe transactions.
Apple Pay is not available on all debit cards, credit cards and accounts. Restrictions include: Non-personal accounts, Visa credit cards, Electron cards, additional credit card holders and customers under 13 years of age. Available on iPhone 6/6+ and above, iPad with Touch ID and Apple Watch
Google Pay is not available on all debit cards, credit cards and accounts. Restrictions include: Electron cards, Visa credit cards and additional credit card holders, non-personal accounts, Basic Bank accounts and customers under 13 years. Google Pay app must be downloaded and is available on Android devices with contactless capability (NFC), running on the Android 4.4 KitKat Operating system or newer.