Reasons why contactless payments are safe

  • It uses the same technology as Chip and PIN

    Your data is encrypted and your details are kept safe during every transaction.

  • You can't accidentally make a purchase

    The retailer must enter an amount into the payment terminal first, and then you need to hold your card very close to it. This means you can't accidentally spend money from walking by or being near the payment terminal.

  • There's a limit to how much you can pay

    In the UK, you can pay up to £100 (£45 for our FlexOne children’s bank account) in one contactless transaction. Every now and then, we’ll ask you to use your Chip and PIN as an extra security check and to use Chip and PIN for anything over this limit.

How we protect you from fraud

If we spot a suspicious payment, we might contact you to confirm that it’s you using your card. If we do, it's important you know it's us. You can tell it's us, because we'll:

  • always include the last 4 digits of your card in our message
  • never ask for your bank details, PIN, memorable data, passnumber or codes from your card reader.

What happens if your card is lost or stolen

If you realise your card is missing, please tell us as soon as you can – that way we’ll be able to recover the money for you if someone else uses it.


Don't want to use contactless?

That's fine. If you don’t want to make contactless payments, you can put your contactless card into the card machine and pay using your Chip and PIN.

If you’d rather not have the contactless feature on your card at all, please get in touch to discuss the options available. There are different phone numbers for current accounts and credit cards. And if you prefer, you can also come into your local branch.

Current account holders

7 days a week, 8am to 6pm.

Credit card holders

Monday to Saturday, 8am to 6pm.
Sunday, 9am to 5pm.