Contactless credit cards

A faster way to pay for everyday essentials

Paying with contactless

If your existing credit card is contactless you can pay for goods up to £30 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 Online & 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 credit card. technology
  • Safe - Our contactless credit 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 & PIN.

How to make a contactless payment

Look - Make contactless payments wherever you see this symbol

Touch - Simply hold your card or device over the reader to pay

Approve - You will hear a beep or see a green light to show your payment is approved.

How can I get a contactless card?

If you already hold a Lloyds Bank credit card and want to go contactless, you can order a replacement card online and it will automatically be contactless.

If you do not hold a Lloyds Bank Credit Card you will automatically be issued with a contactless credit card when you successfully apply.

Where can you use Contactless?

Over three hundred thousand terminals across the UK already accept contactless payments. Look for the contactless symbol wherever you shop.

You can also now use your contactless credit 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 top-up your Oyster Card to benefit from Monday to Sunday or daily capping.

Visit Transport for London (TFL) for more information and to view the fares.

Frequently Asked Questions (FAQs)

  1. What is contactless?

    Contactless is a new payment function for transactions of up to £30. You can pay for your goods simply by holding your card in front of a special contactless card-reader.

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  2. 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.

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  3. Is using contactless to pay secure?

    Absolutely. Apart from the fact that payments under £30 can be made without entering your PIN, your contactless card has the same anti-fraud protection as regular ‘chip & pin’ cards. If your card is lost or stolen, your card also 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 contactless payments and your PIN will always be needed for payments of over £30.

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  4. Where can you use it?

    Retailers who accept contactless payments will display the contactless symbol, so look out for it wherever you shop. Over 300,000 card readers in the UK already accept contactless payments and this number is growing all the time. You can also now use your contactless credit 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.

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

    You can use your contactless credit card on TfL buses, London Underground, London trams, Docklands Light Railway, London Overground and national rail services.

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  6. 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.

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  7. Can a purchase be made without my knowledge (for example, If I walk past the card-reader)?

    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.

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  8. What happens if I try to pay for goods over the contactless limit of £30?

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

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With so much choice, take a look at our other credit card accounts to see which one might suit you best.

View our range

Useful phone numbers


These lines are available 24/7.

Important legal information

Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065 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. We also subscribe to the lending code. Details can be obtained from www.lendingstandardsboard.org.uk.Visit the Lending Standards Board website

Lloyds Bank plc registered office:
25 Gresham Street,
London EC2V 7HN.
Registered in England and Wales No. 2065.

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