Contactless is a quicker way of 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.
The first time you use your contactless card, you’ll need to use chip and PIN or sign for your purchase. Once you've done that, all future transactions can be contactless. Hold your card close to the reader - around two to four centimetres - for it to work. If the price of the transaction is over £100, you’ll need to use chip and PIN as normal.
If you are paying contactless through a digital wallet provider the limit may be higher, check with your provider.
For added security, every now and then you’ll need to enter your PIN for transactions under £100. This is likely to happen if you make several contactless transactions in a row.
Your contactless card has the same anti-fraud protection as regular ‘chip and PIN’ cards.
If your card is lost or stolen, you are also protected against fraud loss, as long as you inform us as soon as you realise your card is missing.
For added protection, you may be asked to insert your card into the card reader and type your PIN. Your PIN will always be needed for payments of over £100.
Most contactless payments will show on your statement after a few days.
You should also check your pending transactions as payments may show there first.