Is contactless safe?

Yes, contactless is 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 £30 in one contactless transaction (other countries have different contactless limits). Every now and then we’ll ask you to use your Chip and PIN as an extra security check.

We’ll help protect you from fraud

We might contact you if we spot a suspicious payment. If we do, we'll:

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

Visit our Fraud Awareness page

You’re protected if your card is lost or stolen

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

Report a lost or stolen card

You don't have to make contactless payments

You can put your contactless card into the card machine and pay using your Chip and PIN, if you’d prefer.

If you’d rather not have the contactless feature on your card at all, you can order a non-contactless card.

To order a non-contactless debit card

Call us on 0800 30 20 11 between 8am and 8pm, or visit us in branch.

Find your nearest branch

To order a non-contactless credit card

Please call us on 0800 055 66 11. This line is open:

  • Monday to Friday 8am - 10pm
  • Saturday 8am - 8pm
  • Sunday 9am - 5pm