Contactless debit cards

Lloyds Bank debit cards come with contactless technology. Look for the symbol on the front of your card.

What is a contactless debit card?

  • Pay up to £20 without entering your PIN.
  • Fast and simple – just hold your card over the contactless reader.
  • Available in many big-name shops and restaurants, with more joining all the time.

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:

  • Look out for the contactless symbol in shops, stores and restaurants.
  • When you’re ready to pay just hold your card over the contactless card-reader. Payment will be completed in less than a second.
  • The contactless card-reader will confirm your transaction’s complete, and you can then get going.

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

How to use it?

How to use contactless payment

Just look for the contactless symbolContactless


which can be found in a wide range of retailers - here are just some of them:Many popular places

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


Your key questions answered

  • What is contactless technology?

    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.

  • How do I know if a retailer accepts contactless payments?

    Any retailer who displays the contactless symbol can accept contactless payments:Contactless

    This may also be displayed on the terminal.

  • Is there a limit on the value of goods I can purchase with my contactless card?

    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.

  • Is it safe?

    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.

  • Can I be charged more than once for the same transaction if I pay using a contactless card?

    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.

  • What happens if I have more than one contactless card and / or an Oyster card in my wallet / purse when I touch the card reader?

    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.

  • Do I have to use contactless?

    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.

  • How can I get a contactless card?

    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.