Why contactless cards are safe

Many people prefer contactless over cash for small payments but you might be a bit worried. In reality, contactless fraud is extremely rare - only around 0.2% of fraudulent payments made in the first half of 2015 were using contactless1. Here we hope to give you some reassurance and put those fears in context.


Heard the stories in the press of fraudsters using a card reader to capture your card details as you walk by?

While it is technically possible to read card details as you walk by, in practise this is extremely difficult to do as the card readers needed are quite bulky (about the size of a brief case) and you have to be quite close by.

Even if a criminal could read your card, the scanned data does not allow a clone card to be made and does not include the CVV, preventing online payments with the majority of retailers who use this key control.

If in the unlikely event that you are victim of fraud, your card issuer will refund you. This is still far safer than cash - if someone picks your pocket you lose all your money and you can't get a refund from anyone.

Scanning cards is not a very attractive crime for fraudsters, as fraudsters typically want to make big payments for items of a high value so that they can be sold on, rather than going from shop to shop making contactless payments under £30. That's why the £30 limit exists.

Lost and stolen

What happens if your contactless card is stolen?

For extra security, if someone makes a number of payments with your contactless card over a short period, they'll be asked to enter your PIN and your card will be blocked.

You will need to inform your bank as soon as you realise your card has been lost or stolen and your bank will stop the card from working.

You have the same legal protection from fraud with contactless as you have with chip and PIN. If your card is lost or stolen, you can get your money back by reporting it to your card issuer as soon as you realise your card is missing or visit TSB  Fraud Prevention Centre.

Card clash

Worried about the risk of two cards being charged at the same time for one transaction? There's no need to worry as card readers can only make one transaction at a time. To make sure you pay with the right card, take the card out of your purse or wallet to touch the reader.

Charging errors

Concerned about a contactless payments being taken without you realising? You can minimise the risk of this happening by ensuring you don't place items containing other contactless cards close to the reader.

1.  http://www.financialfraudaction.org.uk/

TSB Plus account offers 5% cashback on your first £100 of contactless payments every month from October 2015 until January 2017.

You need to be registered for Internet Banking, contactless cashback is subject to eligibility and application for a contactless Visa debit card.



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