Myth: If my card is lost or stolen, someone could spend my money and I won’t get it back
We have security measures in place that will protect your hard earned cash if someone ever managed to get hold of your card.
Contactless uses the same level of security as a Chip & PIN transaction, and has certain features that limit fraud. For instance, your contactless card can only be used for transactions under a certain amount – £45 in the UK. And as an extra security measure, we’ll also ask you to enter your PIN every few transactions if you use a Halifax contactless Visa debit card. This is our way of checking in with you, and making sure nobody else has got their hands on your card.
Meanwhile, if you know your card is lost or stolen you can cancel your card; it’s easy to do this over the phone or via our Mobile Banking app. Security measures will then alert us if someone is trying to use a blocked card, and the transaction will be declined.
Even if someone does manage to spend money before your card’s cancelled, our fraud protection guarantee is in place to protect you and put your mind at ease – helping you to get your money back.