Barclays contactless debit cards
What does contactless payment mean?
Imagine being able to buy a coffee, a sandwich or even a train ticket without carrying cash.
Contactless technology lets you do exactly that – just touch your card on the reader to make payments of up to £30, quickly and safely.
How to use
Contactless makes it quick and easy to pay for shopping that comes to £30 or less.
To help speed up the transaction, you won’t receive a debit card receipt unless you ask for one. The retailer will give you a till receipt as proof or purchase. We may occasionally ask you to enter your PIN, to prove it’s you using the card.
Just like Chip and PIN payments, contactless payments are taken from your account and will appear on your bank statement, and in Online and Mobile Banking if you’re registered.
Where to use
You can use Contactless wherever you see the symbol.
There are already lots of places in the UK that offer contactless payments, including selected outlets of M&S, McDonald's, EAT, Pret and The Co-operative Pharmacy – and many more are on the way. You can also use it at the M6 Toll and on TFL trains, tubes and buses.
To find locations near you, take a look at the interactive map on the VISA website
If you already bank with us
Contactless technology may already be set up on your card. If so then you can start using it straightaway.
If you're not sure whether you've got a Contactless debit card, just look for the symbol on the front. If it's there, you're ready to go.
If you don’t have an account with us
You'll need to open a Barclays current account to get a Contactless debit card.
Opening an account with us is straightforward. We'll transfer any Direct Debits and standing orders for you, and we'll close your old account if you'd like us to.
Take a look at our
Contactless debit cards are subject to status and application.
Our contactless debit cards include the latest advanced security features required by the payment card industry. Payments are processed through the same secure Visa technology as your Chip and PIN transactions. And as an extra precaution, we'll occasionally ask you to enter your PIN to make sure it's you.
Contactless transactions are also covered by the same fraud protection as your Chip and PIN transactions, provided you don’t reveal your card details to anyone else.
If your card is lost or stolen, call us as soon as possible on our 24-hour emergency hotline 0345 945 4545, visit a branch or let us know through the Barclays Mobile Banking app.
Can someone steal my contactless debit card and use its technology to empty my bank account?
No – if someone makes several contactless payments in a row, they'll be prompted to enter the card's PIN for security validation purposes. Contactless transactions are further protected by the fact that they can only be made on purchase of up to £30. For payments above that amount, the payee will be asked to make a Chip & PIN payment in the usual way.
If your card is lost or stolen, let us know immediately and we'll cancel and replace it for you. If you haven’t acted fraudulently or without reasonable care, you won’t be liable for any fraudulent transactions.
If I carry more than 1 contactless card, is there a danger I’ll pay with the wrong one?
Card reader terminals have been designed to reject payment if more than 1 card comes into range. This means you’d have to separate your cards before making a payment, ensuring it’s with the 1 you intended to use.
A card also needs to be very close to the terminal to be in range, which should also help minimise the risk of paying with the wrong one – but still doesn't rule it out. Other touch-free systems, such as Transport for London’s Oyster cards, use similar technology, which could disrupt a payment if such a card is close enough to your contactless debit or credit card, and vice versa. It’s best to keep contactless cards separate when making a payment.
Can fraudsters use the contactless technology to obtain my card details?
There is a very small risk this could happen. The information sent by the chip in a contactless card only includes the card number and expiry date, so not enough to do any harm. It is the same information that anyone could see by looking at the front of a card and that alone wouldn’t enable them to make a purchase. Security information, such as the 3-digit security code on the back of a card and your PIN, isn’t sent.
|You don’t need to enter your PIN – just touch your card on the reader.||Contactless payments appear on your bank statement, and in Online and Mobile Banking if you’re registered.||Payments are processed using the same secure Visa technology we use to process Chip and PIN payments.|
Why is Barclays making its debit cards Contactless?
These days, more and more people are choosing to pay for everyday items on their debit card and the amounts are getting smaller. Yet paying by card isn't always an option. Some places have minimum spends, others don't take card payments and there are some situations where, if you haven't got the right cash on you, you can't pay at all.
That's why we've come up with Contactless, enabling you to pay for items totalling £30 or less without even needing to enter your PIN.
We've long been committed to introducing technological innovation in payments. We were the first bank in the UK to launch a debit card in 1987 and have led the way with Contactless technology since 2007. The majority of our newly issued debit cards will be Contactless and many retailers and some other banks have already adopted this form of payment, with plenty more on the way.
Are there any fees associated with Contactless payment?
No, Contactless payment is free for any transactions you make in the UK. If you're overseas, you'll be charged the same fee as that applied to normal debit card transactions.
Do I have to use Contactless instead of paying with cash?
It's up to you whether you pay with Contactless or cash. We're simply making sure you have the option to use it if you want to.
How is Contactless different to Chip & PIN?
Contactless is a quicker and easier way to make a payment than with Chip & PIN. Instead of inserting your card into a terminal to enter your PIN, with Contactless you hold your card next to the Contactless symbol on the reader and you're done. We'll only occasionally ask you to enter your PIN, just to be sure it's you.
Do I need to top up my Contactless card?
No, a contactless transaction works by taking funds directly from your current account, the same as any other debit card. So you'll never need to top it up.
Can I make a Contactless payment overseas?
You can make Contactless payments wherever retailers have adopted the technology. So far that includes Spain, Turkey and Switzerland, with more expected soon. While the limit in the UK is £30, the limit in other countries can vary. If you don't see the Contactless symbol or you are unsure of the limit in the country you’re visiting, you can still make purchases with your debit card in millions of locations using Chip & PIN technology. It's just worth noting, if you're travelling to the US or Canada, that our Contactless technology isn't compatible with their equivalent system.
How do I pay if I can't see the Contactless symbol?
If you don't see the Contactless symbol, you can still make purchases with your Barclays debit card using Chip & PIN technology.
Is it possible for retailers to duplicate my transaction?
In a nutshell, no. As with Chip & PIN transactions, retailers need to enter the amount for you to check before payment is made. So to duplicate a transaction, you would need to be prompted to pay twice, making it very difficult to achieve.
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