Contactless credit cards

All Halifax credit cards come with contactless as standard. That means you can make payments of up to £45 without using your PIN – just look out for the contactless symbol wherever you shop.

  • Tap and be on your way in less than a second.
  • Accepted almost everywhere.
  • Covered by the same fraud protection as chip and PIN.

How contactless credit cards work


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.

Contactless mobile payments

Add your Halifax contactless credit card to your phone or other mobile device to make payments. There’s no need to take your card with you. Some retailers allow you to make mobile payments of more than £45 - just check with them how much you can spend. 

Good to know: your card details are automatically encrypted when you add it to a mobile device, so they’re never on display.

Frequestly asked questions

  • Contactless is pretty commonplace now, so you should be able your card or mobile device wherever there’s a payment terminal. As long as you can see the contactless symbol, you can pay that way.

    It’s also widely accepted across transport networks, including busses, trains and the London Underground, so you don’t need to worry about not having the right change.

    Your contactless card can also be used in lots of places overseas. In countries where it can’t be used, you’ll need to pay by CHIP and PIN.

    Not all contactless transactions appear immediately on your online and mobile account. If you can’t see a transaction, please wait up to 4 days for it to be added before contacting us.

  • Yes. Contactless transactions are covered by the same fraud protection as other types of payment, and we’ll always let you know if we spot something unusual on your account. If your card or mobile device is lost or stolen, please get in touch

    As an added security step, you might be asked to make a chip and PIN payment occasionally, especially if you’ve made a lot of transactions in a short space of time.

  • No. You have to hold your card or phone around 2-4cm from the reader when making a payment, and the retailer must have entered the amount of the transaction for you to approve. You can’t make extra payments by accident either (by double tapping, for example) as card readers are only set up to take one at a time.

  • All Halifax credit cards now come with contactless as standard, so the easiest way is to order a new card online. Alternatively, you can call us on 0345 944 4555. Lines are open 7am-11pm every day. If you're calling from abroad, call us on +44 (0) 1733 573 189

    When you receive your new card, you’ll need to make at least one Chip and PIN payment before you can start making contactless payments.

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.