No change, no problem.
How to make a contactless payment
Use it where you see the contactless symbol.
Hold your card against or close to the reader.
Listen for the beep or wait for the light to turn green.
Change your contactless limit
If you use our Mobile Banking app, you can change your contactless payment limit to suit you.
If you don't have the app you can change your limit by speaking to us in branch or over the phone.
Frequently Asked Questions
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.
The first time you use your contactless card for a transaction, you’ll be asked to use chip and PIN or sign for your purchase. 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 use chip and 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.
You can make payments anywhere that displays the contactless symbol.
Yes, contactless cards can be used outside the UK. Just look out for the contactless symbol.
Yes. 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 you card into the card reader and type your PIN. Your PIN will always be needed for payments of over £100.
No. The reader and card are set up to ensure that you will only be charged for one transaction.
You cannot make a contactless payment of over £100 using your card. You will need to insert your card into the card reader and type in your PIN or complete a swipe transaction.
Different limits may apply if you are using Apple or Google Pay.
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.
You can use our app to choose a contactless payment limit between £30 and £95.
Any changes made to your contactless limit will also be applied to payments made by Google Pay or Apple Pay. However, please bear in mind that these services may have different limits.
Our cards are now contactless as standard. If you don’t want a contactless card, you can now use our app to freeze contactless transactions.
The quickest way to stop contactless transactions is to freeze them in our app.
If you want to request a card that is not contactless you can call us on 0345 728 3848.
Yes, you can use contactless to pay for all Transport for London services.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.