Contactless technology makes shopping quicker and easier. With contactless on your debit card you can pay most transactions up to £20 without entering your PIN – just hold your card against the contactless reader.
Lloyds Bank debit cards with contactless technology have the contactless symbol on the front. If your current card doesn’t have contactless you can order a new one in your local branch.
Here’s how it works:
And just like existing chip and PIN services, you can see how much you spend when you pay by contactless because you’ll see every transaction on your current account statement
Just look for the contactless symbol
which can be found in a wide range of retailers - here are just some of them:
At the moment, you can only use contactless technology in the UK.
Contactless payments are 100% protected against fraud, offering the same level of protection as Chip & PIN payments.
For extra security when receiving your card you will need to perform a Chip & PIN transaction before you can use the contactless feature.
Although a contactless payment doesn’t usually require a PIN to be entered, occasionally you may be asked to enter your PIN when making a contactless payment
Contactless technology is a fast and easy way to pay for goods and services of £20 and under without entering a PIN. Contactless cards have an antenna in the plastic so that when it is used at a contactless reader it securely transmits purchase information to and from the contactless reader. All you have to do is touch your contactless card onto the contactless reader to make the payment.
Any retailer who displays the contactless symbol can accept contactless payments:
This may also be displayed on the terminal.
You can use your contactless card to pay for items of £20 and under. For purchases over £20, you will need to carry out a chip and PIN transaction.
Contactless uses the latest secure Visa technology. If your card is lost or stolen, you’re protected against fraud loss – providing you take the kind of precautions we recommend and let us know as soon as you realise it’s gone.
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.
We do not recommend touching your wallet against the reader if you have more than one item in it that communicates contactlessly.
The card reader is designed to reject payment where it can see that there is more than one contactless card present, a red light will be shown on the reader to tell you the payment has not complete and the terminal will say ‘please present one card only’.
To prevent this happening, make sure that you only use the card that you wish to pay with and touch this against the card reader.
No. Contactless technology is an additional feature on your card. However, it is up to you whether you chose to pay with contactless or Chip and PIN.
We are able to offer a contactless card on most of our current account range. Please visit your local branch or contact us on 0845 300 0000 to see if we can offer you a card.
Where the transit operator displays this stickeron or near its reader, 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 are able to travel. There is no need to find cash or top up your transit card first.
But please check with the transit operator on the fare you will have to pay and process it has for you to pay with a contactless card before you start your journey.
No - you just need to have sufficient funds to cover the cost of the fare.
This means that you cannot use that contactless card to pay for your intended travel and you will 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.
You will be charged the same amount as a pay-as-you go adult fare when travelling with an Oyster card. You will also benefit from daily and weekly (Monday-to-Sunday) capping. Please see www.tfl.gov.uk/fares for fare details.
Contactless payment card statements will show the narrative ""TfL Travel Charge". You will be able to access details of the charge via your TfL online account.
Setup an online account with TfL and register your contactless payment card. This will allow you to view your journey history, request refunds and make payments for any unpaid journeys.
No, that’s not currently possible. Only adult pay-as-you-go fares are being offered by TfL. However, you can still benefit from daily and weekly (Monday-to-Sunday) capping, as you would by using an Oyster pay-as-you-go card.
No. Just like Oyster, a contactless payment card can only pay for one person per journey, so an alternative method of payment for each person will be required.
Please contact TfL on 0343 222 1234 with your query or view your transaction history on the TfL website.
You can check your journey and payment history by signing up for an online TfL account. If the daily amount includes a maximum fare for an incomplete journey, you may be able to complete the journey online and get a refund. Further queries can be raised on the website or by calling TfL customer services on 0343 222 1234.
If you hold multiple contactless cards and or Oyster card in your wallet it may cause ‘card clash’ causing the reader to charge the first card it finds. This could mean that you are charged to a card that you did not intend to pay with.
To avoid ‘card clash’ only touch the card you wish to pay with against the card reader. The best way to ensure this happens is by presenting the card you wish to pay with against the card reader, not your wallet or purse.
This will result in you being charged the maximum fares for 2 incomplete journeys.
An incomplete journey is when someone taps in at the beginning of their journey but not out at the end, or vice-versa.
If this happens, you should check your journey and payment history on your TfL online account. You may be able to complete the journey online and get a refund.
You may be eligible for a refund. Please contact TfL on 0343 222 1234.
TfL will check with your card issuer to verify that there are sufficient funds in your account to pay for your travel.
If you try to use a contactless payment card with insufficient funds you may be able to enter the network and complete your journey. However, your card will be prevented from making further journeys until any outstanding amount that is due to TfL has been settled.
You can pay an outstanding travel charges online whether you are registered or not.
As a registered customer you will be able to pay using a different card online; however, if you have not registered, you will have to use the card associated with the journey.
You can only pay with a different payment card online – not over the phone (as TfL is not able to take the PAN and security code from the back of your card).
You can travel 30 minutes after a debt is paid. This is to allow TfL to update its processing system.
No. TfL’s staff are not authorised to withdraw a contactless payment card.
No, you can still use your Oyster card if you’d prefer.
Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. Lloyds Bank plc is a member of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.
Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.