From catching the bus to nipping to the shops, paying with your Halifax contactless Visa debit card is safer than carrying cash. It uses the same secure technology as Chip & PIN, and your money stays protected, so you can go cash-free with confidence.
3 reasons to go contactless
So how does this contactless thing work?
Most shops, supermarkets, petrol stations and cafes accept contactless. You may also see the contactless symbol on your bus or train.
Simply touch your card against the reader.
A beep or green light shows your payment is going through.
After a couple of seconds your payment will be approved.
Ready to go contactless?
If you see the contactless symbol on your Halifax card, you’re all set. Simply tap and go for your next payment of £100 or under.
Contactless is available on purchases up to £100. If you’re using your card outside the UK, charges may apply. Terms, conditions and eligibility apply.
If your Halifax card doesn’t support contactless, we’ll upgrade it at your next renewal if your account is eligible. If you don’t want to wait, call us on 0345 720 3040 (Monday to Sunday, 7am-11pm) or ask in branch and we’ll send you a contactless card straight away.
We’re here to answer all your contactless questions. But before you get in touch, check out our myth-busting FAQs.
Where can I use contactless?
The majority of UK supermarkets, cafes, restaurants, petrol stations, chemists, book shops, DIY stores, trains and buses accept contactless for payments of £100 and under. Just look for the contactless symbol.
Is the £100 contactless transaction limit available at all retailers?
Retailers will gradually adopt the £100 limit from 15 October 2021. The previous contactless payment limit in the UK was £45. If you are declined a transaction between £45 - £100 it may be because the retailer is yet to have updated their terminal. You may need to pay using chip and PIN to complete these transactions.
Can I use contactless overseas?
If your Halifax contactless card was issued after 17th November 2017, it can be used worldwide wherever you see the contactless symbol.
If your card was issued before this date, you will have to keep using Chip & PIN abroad until you receive your next replacement card.
Withdrawing cash in a currency other than pounds, or withdrawing pounds outside the UK, (at a cash machine or over the counter)
If you use your debit card to withdraw cash in a currency other than pounds, or to withdraw cash in pounds outside the UK, the amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate. We will charge you a foreign currency transaction fee of 2.99% of the amount of the transaction, this is a fee for currency conversion. We will also charge you a foreign currency cash fee of £1.50 for each withdrawal, except for withdrawals of Euro inside the EEA where you will not be charged a foreign currency cash fee. Where you elect to allow the cash machine operator/financial service provider to make the conversion to pounds for you, we will only charge a foreign cash fee of £1.50 for each withdrawal, except for withdrawals of Euro inside the EEA where you will not be charged a foreign cash fee. The provider of the foreign currency may make a separate charge for conversion.
Buying goods or services in a currency other than pounds
If you use your debit card to make a purchase in a currency other than pounds, the amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate. We will charge you a foreign currency transaction fee of 2.99% of the amount of the transaction, this is a fee for currency conversion. We will also charge you a foreign currency purchase fee of £0.50 for each payment, except for payments of Euro inside the EEA where you will not be charged a foreign currency purchase fee.
How can I keep track of contactless payments?
Contactless payments appear in the main section of your online statement within a few days. Some payments may show up in the ‘pending transactions’ section first.
Please note, payments don’t always appear immediately on your Mobile and Online Banking statements. If you can’t see a transaction, please wait a few days.
What Halifax bank accounts offer contactless cards?
Contactless is available on Current Account, Student Current Account, Reward Current Account, Ultimate Reward Current Account, Express Cash and Cash Card.
Is contactless safe?
Yes. All your contactless payments are 100% protected against fraud, giving you the same level of security as Chip & PIN – and more protection than cash.
None of your personal details, passwords or security information are shared. And you’ll occasionally be asked to enter your Chip & PIN if extra security is required.
If your card is lost or stolen, you’re protected against fraud loss – providing you take the kind of precautions we recommend and let us know as soon as you realise it’s gone. To minimise the risk of fraud we recommend that you never tell anyone your PIN, always look out for the padlock symbol when shopping online and always shred receipts and documents with personal information before disposing of them.
Could I be charged more than once for a transaction?
No. The reader only accepts your card once for each transaction. After the payment is approved, it won’t take another, even if your card is still nearby.
Occasionally a payment may be unsuccessful and you will be asked to try your contactless card again, but you only pay for a transaction once.
Could I pay for things by mistake?
No. The reader needs to be activated by the retailer before it can take your card information. Once the reader is active, you need to put your card very close to make a payment.
What if I have more than one contactless card in my wallet / purse when I tap it?
Card readers reject payments if they see more than one contactless card present.
To prevent this happening, we don’t recommend tapping your wallet against the reader if you have more than one contactless card.
How does contactless technology work?
Contactless cards have an antenna hidden inside the plastic. When making a payment, this antenna securely sends your card’s information a short distance to the retailer’s card reader. It doesn’t require you to insert your card or enter a PIN.
Can I use contactless on public transport?
If the transport operator displays the contactless symbol on their card readers, you can use your contactless card.
There is no daily spend limit, you just need to have enough in your account to pay for your complete fare.
Why are the contactless payment limits increasing?
The increase to £100 has been set by Visa, our payment scheme provider.
From 15 October 2021, you can spend up to £100 by using your debit card for a contactless payment.
Will the new limit be available now?
The contactless payment limit increase will gradually be rolled out by retailers from 15 October 2021. It may take a few weeks for all retailers to adjust.
What do I do if my payment is declined?
If your contactless payment is declined, you may be required to pay using chip and PIN.
- 1. Jump to How much will it cost to travel on the TfL network with a contactless payment card?
- 2. Jump to How can I keep track of my journeys?
- 3. Jump to Can I add a season ticket, Travelcard or Bus & Tram pass to my contactless payment card?
- 4. Jump to Can I use one contacless card to pay for multiple passengers' fares?
- 5. Jump to What should I do if I have a query about a journey fare or daily cap?
- 6. Jump to What should I do if I think I’ve been charged the wrong amount for a journey?
- 7. Jump to What happens if I touch in with one card and touch out with a different card?
- 8. Jump to I unintentionally tapped my contactless payment card when I meant to use my Oyster card / another contactless card
- 9. Jump to Is Oyster being phased out?
How much will it cost to travel on the TfL network with a contactless payment card?
You’ll be charged the same amount as a pay-as-you-go adult fare when travelling with an Oyster card. You’ll also benefit from daily and weekly (Monday-to-Sunday) capping. Take a look at the TfL website for fare details.Back to top
How can I keep track of my journeys?
We recommend that you setup an online account with TfL. This will allow you to view your journey history, request refunds and make payments for any unpaid journeys.Back to top
Can I add a season ticket, Travelcard or Bus & Tram pass to my contactless payment card?
No, that’s not currently possible. Only adult pay-as-you-go fares are offered by TfL. However, you can still benefit from daily and weekly (Monday to Sunday) capping, as you would by using an Oyster pay as you go card.Back to top
Can I use one contacless card to pay for multiple passengers' fares?
No, just like Oyster, a contactless payment card can only pay for one person per journey. You will need an alternative way of paying for additional passengers.Back to top
What should I do if I think I’ve been charged the wrong amount for a journey?
You can check your journey and payment history by signing up for an online TfL account. If the daily amount includes a maximum fare for an incomplete journey, you may be able to complete the journey online and get a refund. Further queries can be raised on the website or by calling TfL customer services on 0343 222 1234.Back to top
What happens if I touch in with one card and touch out with a different card?
This will result in you being charged the maximum fares for 2 incomplete journeys.
An incomplete journey is when someone taps in at the beginning of their journey but not out at the end, or vice-versa.
If this happens, you should check your journey and payment history on your TfL online account. You may be able to complete the journey online and get a refund.Back to top
Is Oyster being phased out?
No, you can still use your Oyster card if you’d prefer.Back to top
Debit cards are contactless as standard but if you don’t want a contactless card, you can use our Mobile app to freeze contactless transactions.
The quickest way to stop contactless transactions is to freeze them in our Mobile app. However, if you wish to speak to us, you can call us to request a card that is not contactless on 0345 720 3040, a new card would arrive in 3-5 working days.