What is a debit card?
A debit card is a payment card that allows you to make transactions online and in shops for any number of goods and services, and takes payment directly from your bank account. Millions of people use debit cards, and you get one with most Lloyds Bank International current accounts.
With a debit card, you can:
- book or buy online, in shops, or over the phone
- take out money from any Cashpoint® in the UK, or cash machines around the world
- use your card worldwide, whenever you see the Visa symbol
- call us 24 hours a day if you have a problem with your Lloyds Bank International debit card.
Many debit cards are now contactless, which makes paying for everyday things even easier.
Contactless cards are designed to make your life that little bit easier. Contactless cards allow you to pay for goods up to £100 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.
Most contactless payments will appear in the main section of your online statement within a few days. However, some transactions may show first in the ‘View pending transactions’ section.
Please note: Not all Contactless Card transactions appear immediately on your Online & Mobile Banking statements. If you can’t see a transaction please wait a few days for it to be added to your statement.
How does contactless work?
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 £100, 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 £100, 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 £100. This is likely to happen if you make several contactless transactions in a row.
How to use contactless
- Look for the contactless symbol when paying.
- Simply touch your contactless card against the reader.
- A beep or green light shows your payment is being processed.
- Your payment is approved.
How do I know if I have a contactless card?
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.