Contactless payments

What is contactless?

Contactless is a fast and easy way to pay for purchases up to £100 without entering a PIN. If you have a card with the contactless symbol, you can pay for items £100 and under in this way. All you have to do is touch your contactless card onto the contactless reader to make a payment.

How do I get contactless?

We include contactless technology on most of our debit and credit cards - if your card has the contactless symbol, it has contactless built in. If you don't already have a contactless card but would like one, just visit your nearest branch who'll be able to help you, or phone us . Please be aware that contactless cards are not available to everyone (contactless eligibility is subject to status).

Please note: if you have a brand new or replacement contactless card, you'll need to use your card with your PIN before the contactless function will work. This can either be an ATM transaction or purchasing an item in store. This is a security feature to make sure that no-one else has got hold of your card.

Contactless payments symbol

How do I use contactless?

You can use your contactless card to pay for goods and services wherever you see the contactless symbol.

It's very simple to use contactless, just tap your card onto the reader and wait for the green light or the beep to confirm your payment. No need to wait for a card receipt and no need to put in a PIN number..

Using contactless abroad

Contactless cards can be used for contactless transactions abroad. Please remember that fees may still apply for contact and contactless transactions abroad.

Debit cards normally charge a £1 Purchase Fee and a foreign exchange fee of 2.99% for Non-pounds transactions. However, these fees do not apply to Spend & Save Plus debit card transactions. The Purchase Fee is not applied to Premier and Platinum current accounts or if you are making a debit card payment in Euros in the European Economic Area (EEA country). For more details, see the Banking Charges Guide.

Credit cards charge a non-sterling transaction fee of 2.95%. See your T&Cs or click here for more information.

How many times a day can I use contactless?

You can use it as many times a day as you want, but every now and then you may be asked to enter your PIN. This is to double-check that it's you who's in possession of your card.

If I have two contactless cards, could both be read simultaneously?

No, if a reader detects more than one card, you'll be asked to select the card you want to use. Or, in some cases, your payment will be cancelled. To ensure this doesn't happen, it's best to touch the card you want to pay with on the reader rather than touching your wallet against the reader.

Can I use contactless to get cash out at an ATM?

No, you can't get cash out of an ATM using contactless.

Is contactless safe to use?

Yes, it's as safe as using chip and PIN.