Contactless card payments tips

The contactless card payment limit increased to £45 per transaction on 1st April. This change was rushed through amid the covid-19 pandemic to encourage safe distancing and reduce the need to touch the keypad.

Below you will find a few tips to keep your money safe and reduce the likelihood of fraud.

Don’t hand over your card

UK Cards Association’s best practice guidelines state the card ‘should always stay in the customer’s hand’. Reduce the likelihood of fraudulent activity on your card by keeping it with you.

If your card is demanded, simply refuse to hand it over.

Check before tapping your card

Often when we’re in a rush to complete a transaction, we’ll tap our card without looking. It is very easy for the wrong amount to be processed on the terminal either intentionally or in error – £2.30 could easily become £23.00.

Always check the amount before you tap, and seek a receipt.

Check your bank statements

In the event that fraudulent activity has taken place, the best way to discover this is by checking your statement.

Regularly review your past transactions – weekly is ideal. Check for fraudulent activity, and dispute any transactions immediately by contacting your bank.

Stop scammers reading your card

Your card gives off radio frequency that can be read within a 4cm range. Avoid the possibility of fraud by protecting your cards.

You can line your purse or wallet with tinfoil (for the DIY lot), or buy a RFID shield from many online retailers.

Remember your PINs

Your card issuer will allow between three and five consecutive contactless transactions to be made (or transactions totaling a set amount) before a PIN is required.

To avoid any issues whilst out spending, memorise your PIN!

Consider using your smartphone instead

To reduce the likelihood of fraud, you can consider taking advantage of the options on your smartphone to pay. Mobile payment systems are more secure in that your card details are masked and not actually shared.

You can leave your card at home and use your phone – check out Apple Pay, Google Pay and Samsung Pay. Make sure you set up additional security measures on your phone – all require either a fingerprint, faceID or PIN to use.

Whilst we’re on the topic of spending, check out this article about the types of spend you should avoid!

Feel free to share with anyone who may find this useful!

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