Changing your contactless limit

Our secure Mobile Banking app makes it easy for you to change your contactless limit to one that works for you.

A new feature on our Mobile app is the ability to change your contactless limit. In just a few taps you can choose your own payment between £30 and £95

Any changes made to your contactless limit will also be applied to payments made by Google Pay or Apple Pay. However, please bear in mind that these services may have different limits.

To change your contactless limit you will need:

  • Our Mobile Banking app and access to the internet
  • To be registered for Internet Banking
  • A compatible mobile or tablet device
  • A contactless enabled debit card

Currently this service is for active debit card users only. This service will be available for credit cards soon.

contactless image

How do I change my contactless limit?

Follow these simple steps to choose your contactless limit between £30 and £95.

Steps may vary slightly if you have an older version of the app.

You can also use these steps to reset to the current maximum of £100. Apple Pay or Google Pay may have different limits.

Step 1:

From the home screen, tap ‘Manage Cards’.  You can also tap ‘More’ then ‘Card Management’ from the bottom right of your app.

Step 2:

Tap ‘Card Freezes’.

Step 3:

Scroll down to find ‘Change your contactless limit’.

Step 4:

Tap the arrow next to ‘Select a limit’ then choose an amount between £30 & £95.

Step 5:

Tap ‘Save Limit’.

Step 6:

You’re done! 

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.

Please note if you report your card as lost or stolen, you’ll need to log in to the app to change your contactless limit on your new card.

  • What is contactless?

    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.

    Can I use my contactless card overseas?

    Only contactless cards issued after 17th November 2017, including replacement cards, can be used worldwide wherever you see the contactless symbol.

    What are the benefits of using contactless?

    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.

    Where do contactless payments appear on my statement?

    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.

    Is using contactless to pay secure?

    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.

    Where can you use contactless?

    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.

    Can you use contactless on Tube, DLR, Tram and London Overground?

    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.

    Will I be charged twice if I accidentally double tap on the reader?

    No. The reader and card are configured to ensure that you will only be charged for one transaction.

    What happens if I try to pay for goods over the contactless limit of £100?

    For transactions over the contactless limit, the retailer will need you to make purchases using chip and PIN or swipe transactions.

    Can I set my own contactless limit?

    Yes, you can now use our Mobile Banking app to choose a contactless payment between £30 & £95. Changing your contactless payment limit will also affect your Apple Pay or Google Pay limit.

Need to download our app?

If you have a compatible Android mobile phone or tablet you can download our app from Google Play.

If you have a compatible iPhone or iPad you can download our app from Apple App.

Learn more about our Mobile Banking app

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Our Mobile Banking app

Important Legal Information

We don't charge you for Internet Banking but your tablet operator may charge you for certain services (such as downloading or using the app), so please check with them. Services may be affected by signal and functionality.

Our app is compatible with devices running iOS or Android. (the app is not compatible with some older versions of the operating systems – check the App Store or Google Play for more details). Internet Banking registration is required. Terms and conditions apply.

Android/Google Play is a trademark of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.