A faster way to pay for your everyday essentials
Contactless cards are designed to make your life that little bit easier. Contactless cards allow you to pay for goods up to £20 without needing to enter your PIN. Many shops, restaurants, and businesses have contactless reader devices which make transactions faster and smoother. Millions of people use contactless debit cards, and you get one with most Lloyds Bank current accounts.
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. If the price is under £20, you don’t need to even enter your PIN.
The first time you use your contactless card for a transaction, you’ll need to enter your PIN. 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 £20, you will need to key in your PIN as normal.
For added security, every now and again you might be asked to enter your PIN for transactions under £20. This is likely to happen if you make several contactless transactions in a row.
All contactless cards have the contactless symbol on them. The symbol is four curved lines radiating rightwards (a lot like a Wi-Fi symbol turned on its side). It looks like this:
If you have this symbol on the front of your debit card, you can start using the contactless method of paying immediately.
Contactless is a new payment function for transactions of up to £20. You can pay for your goods simply by holding your card in front of a special contactless card-reader.
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.
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 £20.
Retailers who accept contactless payments will display the contactless symbol, so look out for it wherever you shop. Over 120,000 card readers in the UK already accept contactless payments and this number is growing all the time. You can also now use your contactless card to pay for journeys on TfL buses, London Underground, London trams, Docklands Light Railway, London Overground and national rail services. You simply need to touch your card on the yellow reader as you board your chosen method of transport - there is no need to buy a physical ticket or key in a PIN.
You can use your contactless card on TfL buses, London Underground, London trams, Docklands Light Railway, London Overground and national rail services.
No. The reader and card are configured to ensure that you will only be charged for one transaction.
No. Your card has to be extremely close to the reader - typically between two and four centimetres - and the retailer must have first entered the amount for you to approve.
For transactions over the contactless limit, the retailer will need you to make purchases using chip and PIN or swipe transactions.
Where the transit operator displays this sticker:
on 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 TravelCharge". 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.