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Barclays contactless debit cards

 

    What is Contactless?

    Imagine being able to buy those little things like a cup of coffee, sandwich or newspaper without carrying cash.

    Contactless technology lets you do just that. It sets you free to make fast and secure payments for items of £20 or less. All you need to do is hold your card near the reader and you're ready to go.

Contactless debit card is quick to use

Quick

Contactless debit card is easy to use

Easy

Contactless debit card is secure

Secure

There's no need to enter your PIN, just hold your card near the reader and go. All Contactless payments will appear in Barclays Online Banking and on your statement so you can keep track of what you've spent. Payments are processed through the same reliable Visa payment technology as Chip and PIN transactions.
Contactless

Contactless debit card is available on:

Barclays Bank Account

Premier Current Account

How do I use it?

Contactless makes it quick and easy to pay for shopping that comes to £20 or less.

1. You can use contactless payment wherever you see this symbol. 2. For purchases of £15 or under. 3. Hold your card over the reader to pay. 4. The reader confirms payment and you'll be offered a receipt.

To help speed up your transaction, you won't receive a card receipt unless you ask for one. And we'll only ask you to enter your PIN every now and again, for security purposes.

Just like Chip and PIN payments, your Contactless transaction comes directly out of your current account and will appear in Barclays Online Banking and on your monthly statement.

Where can I use it?

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, Prêt à Manger, and The Co-operative Pharmacy – and many more are on the way. You can also use it at the M6 Toll and on all 8500 TFL London Buses.

To find locations near you, take a look at the interactive map on the VISA website

 

Contactless

Buildings insurance image
 

How do I get it?

Contactless debit card

If you're already a Barclays customer

Because Contactless technology will already be set up on your card, 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.

Got a Platinum debit card?

All Platinum debit cards issued from February 2010 are Contactless enabled. Please note though that Platinum debit cards and accounts are no longer available to new customers.

If you're new to Barclays

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
Bank Accounts or visit your local branch and speak to a Personal Banker.

Contactless debit cards are subject to status and application.

How secure is it?

Very secure.

All our new 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 you think you may have experienced fraudulent use of your debit card, call our helpdesk on 08457 555 555 1 – it's open every day from 7am to 11pm.

If your card is lost or stolen, call us as soon as possible on our 24-hour emergency cards hotline 08700 104503  1, 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?
In a word, 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 items totalling £20 or less. For transactions above that amount, the payee will be asked to make a Chip & PIN payment in the usual way.

Do look after your card and keep your pin secure but if your card does become lost or stolen, let us know immediately and we'll cancel and replace it for you.

Remember: should you experience card fraud, provided you report your card lost or stolen or misused, and you have not acted fraudulently or without reasonable care, you will not be liable for any fraudulent transactions.

What if I carry more than one contactless card – is there a danger I’ll pay with the wrong one?
There is a chance this can happen, but the card reader terminals have been designed to reject a payment if more than one card comes into range. This means you’d have to separate your cards before making a payment, ensuring it’s with the intended one.

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.

Please note that 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.

Can fraudsters use the contactless technology to obtain my card details?
There is a very small risk of this happening. 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 can see by looking at the front of a card and isn’t enough alone to make a purchase. Security information, such as the 3-digit security code on the back of a card or the PIN, isn’t sent.

FAQs

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 £20 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. If you don't see the Contactless symbol, you can still make purchases with your Barclays debit card in millions of places 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.

TfL contactless card pilot FAQs

1. What is the TfL contactless pilot?

Transport for London (TfL) is inviting customers to take part in the testing of contactless-payment cards before they’re accepted on all Tube, tram, DLR, London Overground and most National Rail services that link to the TfL network.

2. Is the use of Oyster for travel with TfL being phased out?

No, users can still use Oyster cards.

Contactless payment card acceptance on the TfL network

3. Will all contactless Barclays cards be accepted on the TfL network as part of the pilot?

Not at the moment. Only those contactless cards registered for the pilot will be accepted.

If you’re accepted on to the pilot, you’ll automatically be registered for a TfL account, where you can view your journey history for up to 13 months, view details of travel charges, self-serve to complete an incomplete journey and receive notifications about your contactless Barclays card to resolve issues.

4. Is it safe to use my contactless Barclays card on the TfL network as part of the pilot?

Yes, London's transport system offers a safe, low-crime environment, with the majority of stations and buses monitored by CCTV.

5. Can I use my contactless Barclays card on the TfL network as soon as I get it?

Yes, if you’ve registered your card to use for the pilot. Please ensure you have sufficient available credit in your account before attempting to pay for travel on the TfL network.

Please note, if you’re using a new card, you’ll have to verify it by using your PIN at least once before you can make a contactless transaction.

6. Where can my contactless Barclays card be used for travel on the TfL network as part of the pilot?

Contactless is already accepted on London buses, but if you are taking part in the pilot, you’ll be able to use your contactless card on the Tube, tram, DLR, London Overground and most National Rail services that link you to the TfL network. 

7. I’ve got more than one Barclays card, can they all be used for TfL travel as part of the pilot?

Only cards registered for the pilot can be used. You can register one card per individual email address.

8. Can I add my Travelcard or Bus & Tram pass to my contactless Barclays card as part of the pilot?

No, that’s not currently possible. However, you’ll benefit from daily and Monday-to-Sunday capping, which is equivalent to the cost of a 7-day Travelcard.

9. Is it possible to pay for more than one fare using my contactless Barclays card when participating in the pilot – eg, paying for my family's TfL travel as well as my own?

Just like Oyster, you can only pay for one person per journey with your contactless card, so you’ll need to use an alternative method of payment for each person.

Using contactless-payment cards on TfL network

10. What are the benefits of using my contactless Barclays card for travel on the TfL network?

The benefits of using your contactless card are:

  • There's no need to get an Oyster card in advance
  • There's no need to top up
  • Fares are cheaper than if you pay with cash
  • There's no time wasted choosing a ticket
  • You'll benefit from daily and Monday-to-Sunday capping
  • There's no application form, no £5 deposit required for an Oyster card or any waiting for it to arrive
  • There's no commitment to a Travelcard – just travel as required and you’ll be charged the lowest price based on your usage

11. During the pilot, do I use my contactless Barclays card on the TfL network in the same way as an Oyster card?

Yes, just tap your card on the yellow reader as you board a bus, before you board a tram and at the start and end of your journey by Tube, DLR and London Overground services. Remember to tap in and out – you could be charged a maximum fare or be liable for a penalty fare if you don't.

12. When using my contactless Barclays card on the TfL network as part of the pilot, do I have to remove it from my wallet to tap in?

Not necessarily, but if you have other contactless cards, such as an Oyster card or building pass, you’ll need to keep them separate when tapping in and out. If you don't, you could be charged on a card you didn't intend to pay with. In most cases, the reader is unable to accept your payment if it detects multiple signals.

13. When using my contactless Barclays card on the TfL network as part of the pilot, will I have to show it to a ticket inspector or member of staff to resolve an issue?

If requested, you’ll need to show your contactless card and the membership card TfL will send you.
 
14. When using my contactless Barclays card on the TfL network as part of the pilot, will I need to hand it to a member of TfL staff to resolve an issue?

No, but you may be asked to show your membership card to confirm you are taking part in the pilot.

15. When taking part in the pilot, how can I pay for travel on the TfL network when I am waiting for a replacement contactless Barclays card?

When taking part in the pilot, you’ll only be able to use the card you registered. If that’s lost or stolen, let us know straight away so we can cancel it and send you a replacement.

You shouldn’t sign up again with the details of your replacement contactless-payment card and if you try to travel using another one, it won’t be accepted.
 
You’ll still receive emails about the contactless pilot and be able to access your TfL online account. TfL let you know when the pilot ends and contactless payment cards are accepted for travel on its services.

16. Will I be issued with a receipt when I use my contactless Barclays card as part of the pilot to travel on the TfL network?

No, it's the same as paying by Oyster. If you'd like to see details of your journey and payment history you can do so in your online TfL account.

17. When using my contactless Barclays card on the TfL network as part of the pilot, what happens if, on the same journey, I touch in with one card and touch out with another?

Please take care to avoid this because it’ll mean you’ll be charged the maximum fares for 2 incomplete journeys.

18. What is an incomplete journey on the TfL network?

An incomplete journey is when someone taps in at the beginning of their journey but not out at the end, or vice-versa. If you don't tap out at the end of your journey, you’ll be charged the maximum fare (up to £8.30) and this won’t count towards the daily price cap. 

19. How much will it cost to travel on the TfL network with a contactless Barclays card?

You will be charged as an adult using pay as you go – the same as Oyster. You can also benefit from daily and Monday-to-Sunday capping.

20. What is daily price capping on the TfL network?

Daily price capping is in place to make sure you don't pay more than the price of an equivalent daily Travelcard. For more information on daily price capping, please visit the TfL website

21. Can I put my TfL season ticket on my contactless Barclays card when taking part in the pilot?

No, you can’t add a season ticket to the contactless Barclays card you’re using for the pilot. However, you can benefit from daily and Monday-to-Sunday price capping.
 
22. When travelling on the TfL network as part of the pilot, can TfL staff take my contactless Barclays card away from me?

No, TfL staff aren’t authorised to confiscate your contactless Barclays card. However, you may be asked to show your TfL membership card to let them know you are taking part in the pilot.

23. When travelling on the TfL network as part of the pilot, can I lend my contactless Barclays card to someone else?

For security reasons, we strongly suggest that your contactless card should only ever be used by you.

Resolving issues with contactless payment cards

24. When travelling on the TfL network as part of the pilot, what should I do if my contactless Barclays card isn’t approved for travel?

 In the case that your card isn’t approved for travel, please contact TfL at 0343 222 1234*.

25. What should I do if, when travelling on the TfL network as part of the pilot, my card is lost or stolen?

Call us immediately to report the loss. We’ll cancel the card and issue a replacement. Unfortunately, replacement cards can’t be used for pilot.

You shouldn’t sign up again with the details of your replacement contactless-payment card and if you try to travel using another one, it won’t be accepted.
 
You’ll still receive emails about the contactless pilot and be able to access your TfL online account. TfL will let you know when the pilot ends and contactless payment cards are accepted for travel on its services.

26. When travelling on the TfL network as part of the pilot, what should I do if I have a query about my journey fare or daily cap?

Please contact TfL with your query or view your transaction history on the TfL website to see if there was an incomplete journey.

27. After travelling on the TfL network as part of the pilot, what should I do if I don’t recognise a transaction?

If a transaction is a result of an accidental tap, please contact TfL. If, however, there’s a transaction on your account that you don’t recognise and you can't resolve it with TfL, please call us.

28. When travelling on the TfL network as part of the pilot, can I get a refund if I unintentionally touch my contactless Barclays card on a card reader?

You may be eligible for a refund. Please contact TFL on 0343 222 1234*. You can also check your online TfL account to see if you've been charged for an incomplete journey. If eligible, refunds will be made back on to the card account.

29. What should I do if I think I've been charged the wrong amount for a journey on the TfL network as part of the pilot?

Check your journey and payment history in your online TfL account. If the daily amount includes a maximum fare for an incomplete journey, you may be able to complete the journey online and get a refund. If you still have a query, you can raise it on the website or call TfL customer services on 0343 222 1234*.

30. How soon can I travel on the TfL network after paying an outstanding TfL travel charge?

Please allow 30 minutes after you've settled the charge to allow TfL to update the system.

31. Why is there an amount for more than £20 on my statement when the contactless limit is £20?

This could be because TfL combines your daily charges and you’ve travelled to a zone where the daily cap fare is above £20 (applicable to a small number of daily cap fares). If you don’t believe you should’ve been charged this, please call TfL customer services  on 0343 222 1234*.

32. What happens if I have an outstanding payment to make to TfL?

In the event that you don’t manage to contact TfL to make the outstanding payment, it will try 3 more times, on different days, to take the payment within 30 days after the first one was declined.

33. How do I contact TfL?

By email at contactlesspilot@tfl.gov.uk

By calling TfL customer services on 0343 222 1234*.

Card Issuer statements and charges

34. How long will it take for a TfL payment to appear on my Barclays statement?

In most circumstances, the charge will be applied within 3 days of travel.

35. The charge on my statement doesn’t match the charge on the TfL website. What’s happened?

This could happen for a number of reasons. For example, the transaction may have been subject to a delayed tap, processed on a different day or it may reflect all TfL journeys made on a single day. If you have any queries, contact TfL on 0343 222 1234*.

* TfL call charges

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Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Further details can be found at www.lendingstandardsboard.org.uk. Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 312078).

Barclays Bank PLC. Registered in England. Registered no. 1026167. Barclays Insurance Services Company Limited. Registered in England. Registered no. 973765. Registered office for both: 1 Churchill Place, London E14 5HP. ‘The Woolwich’ and ‘Woolwich’ are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC.


 

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