Make speedier card payments using the contactless feature.
Paying with contactless
If your existing debit or credit card is contactless you can pay for goods up to £100 without needing to enter your PIN. Many shops, restaurants, and businesses have contactless reader devices which make transactions faster and smoother.
Please note: Not all Contactless Card transactions appear immediately on your Internet and Mobile Banking statements. If you can’t see a transaction please wait up to 4 days for it to be added to your statement, before you contact us.
- Fast - It takes less than a second to pay using a contactless card.
- Safe - Our contactless cards have plenty of built-in security
- Secure - Your contactless card and transaction is secure and is covered by the same anti-fraud protection as chip and PIN.
How to make a contactless payment
Make contactless payments wherever you see this symbol.
Simply hold your card or device over the reader to pay.
You will hear a beep or see a green light to show your payment is approved.
Frequently Asked Questions
Contactless is a way of making paying for things swifter and simpler. If you have a contactless card and are paying for something in a shop, restaurant, or business that has a contactless reader, all you need to do is hold your contactless card over the reader to pay.
The first time you use your contactless card for a transaction, you’ll be asked to use chip and PIN or sign for your purchase. Once you've done that, all future transactions can be contactless. You need to hold your card very close to the reader (around 2 – 4 centimetres) for it to work. If the price of the transaction is over £100, you will need to use chip and PIN as normal.
For added security, every now and again you might be asked to enter your PIN for transactions under £100. This is likely to happen if you make several contactless transactions in a row.
You can make payments anywhere that displays the contactless symbol.
Yes, contactless cards can be used outside the UK. Just look out for the contactless symbol.
Yes. Your contactless card has the same anti-fraud protection as regular ‘chip and PIN’ cards.
If your card is lost or stolen, you are also protected against fraud loss, as long as you inform us as soon as you realise your card is missing.
For added protection, you may be asked to insert you card into the card reader and type your PIN. Your PIN will always be needed for payments of over £100.
No. The reader and card are set up to ensure that you will only be charged for one transaction.
You cannot make a contactless payment of over £100 using your card. You will need to insert your card into the card reader and type in your PIN or complete a swipe transaction.
Different limits may apply if you are using Apple or Google Pay.
Most contactless payments will show on your statement after a few days.
You should also check your pending transactions as payments may show there first.
You can use our app to choose a contactless payment limit 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.
Our cards are now contactless as standard. If you don’t want a contactless card, you can now use our app to freeze contactless transactions.
The quickest way to stop contactless transactions is to freeze them in our app.
If you want to request a card that is not contactless you can call us on 0345 964 5645.
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.