Contactless Credit Cards
A faster way to pay for everyday essentials
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 (FAQs)
- 1. Jump to What is contactless?
- 2. Jump to What are the benefits of using contactless?
- 3. Jump to Is using contactless to pay secure?
- 4. Jump to Where can you use it?
- 5. Jump to Can you use contactless on Tube, DLR, Tram and London Overground?
- 6. Jump to Will I be charged twice if I accidentally double tap on the reader?
- 7. Jump to Can a purchase be made without my knowledge (for example, If I walk past the card-reader)?
- 8. Jump to What happens if I try to pay for goods over the contactless limit of £100?
- 9. Jump to Why are the contactless payment limits increasing?
- 10. Jump to What if I don’t want a contactless card?
Frequently Asked Questions (FAQs)
What is contactless?
Contactless is a payment function for transactions of up to £100. You can pay for your goods simply by holding your card in front of a special contactless card-reader.Back to top
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.Back to top
Is using contactless to pay secure?
Absolutely. Apart from the fact that payments up to £100 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 £100.Back to top
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.Back to top
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.Back to top
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.Back to top
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.Back to top
What happens if I try to pay for goods over the contactless limit of £100?
For transactions over the contactless limit, the retailer will need you to make purchases using chip and PIN or swipe transactions.Back to top
Why are the contactless payment limits increasing?
The increase to £100 has been set by Visa and Mastercard, our payment scheme providers.
From 15 October 2021, you can now spend up to £100 in shops by using your credit card for a contactless payment.Back to top
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.
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