For purchases of up to £30, contactless is the easy way to pay. No waiting, no bulky cash to weigh you down – just simple everyday payments.
It only takes a couple of seconds to tap and go. There’s no need to enter your PIN and you don’t have to find the right change or your nearest cashpoint.
Thanks to our fraud protection guarantee, contactless is safer than cash and just as secure as Chip & PIN. There’s a maximum £30 spend and every now and then, we’ll ask you to enter your pin, just as an extra security feature to check it’s you using your card.
Paying by debit card has overtaken cash with nearly two thirds of people now using contactless (UK Finance, June 2018). 85% of those would recommend it to friends and family (First Data 2018). How normal is that?
Picking the perfect current account is easy as 1, 2, 3.
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.
If you see the contactless symbol on your Halifax card, you’re all set. Simply tap and go for your next payment of £30 or under.
Contactless is available on purchases up to £30. If you’re using your card overseas, 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 (Mon-Fri 8am-8pm, Sat 8am-6pm and Sun 9am-5pm) 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.
The majority of UK supermarkets, cafes, restaurants, petrol stations, chemists, book shops, DIY stores, trains and buses accept contactless for payments of £30 and under. Just look for the contactless symbol.
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 sterling, or withdrawing sterling 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 sterling, or to withdraw cash in sterling outside the UK, the amount is converted to sterling on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate. We will charge you a non-sterling transaction fee of 2.99% of the amount of the transaction and a non-sterling cash fee of £1.50 for each withdrawal. Where you elect to allow the cash machine operator/financial service provider to make the conversion to sterling for you, we will only charge a foreign cash fee of £1.50 for each withdrawal. The provider of the foreign currency may make a separate charge for conversion.
Buying goods or services in a currency other than sterling
If you use your debit card to make a purchase in a currency other than sterling, the amount is converted to sterling on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate. We will charge you a non-sterling transaction fee of 2.99% of the amount of the transaction and a non-sterling purchase fee of £0.50 for each payment.
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.
Contactless is available on Current Account, Student Current Account, Reward Current Account, Ultimate Reward Current Account, Express Cash and Cash Card.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
You’ll need to contact TfL on 0343 222 1234 or view your transaction history on the TfL website.
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.
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.
You may be eligible for a refund. Please contact TfL on 0343 222 1234.
No, you can still use your Oyster card if you’d prefer.
Contactless – the easy way to pay up to £30.