A man sitting at an outside table with a coffee, taps his card on a card reader held by a waitress

Contactless payments

Quick and easy purchases without entering your PIN

  • Quick and easy contactless card payments for purchases up to £45
  • Pay with your phone or compatible device if you have Apple Pay or Contactless Mobile
  • No need to enter your PIN
Covid 19 help and support

We’ve upped the contactless limit to £45

To help make it easier for you to make contactless payments with your Barclays debit card, we’ve upped the limit to £45. Just check with the retailer first that they’ve increased their limits before you pay.

How contactless works and how to get it

  • Use contactless when you see this symbol

    Touch your card on the reader to pay

    The reader confirms your payment

    You can use contactless wherever you see the symbol, both in the UK and abroad. It’s accepted at most retail stores, restaurants, food outlets, pubs, bars and many local newsagents. It’s also used on buses, trains, taxis and the Tube.

    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 of 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, in Online Banking and the Barclays app if you’re registered.

    It works the same way with Apple Pay and Contactless Mobile – you can use your phone or compatible device to pay with your Barclays debit card.

    When you receive a new card, you’ll first need to use it with your PIN in a shop or at a cash machine to unlock contactless payments.

  • 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.

    How do I get a contactless debit card?

    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 bank accounts or visit your local branch and speak to a Personal Banker. 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 0800 400 100*, 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 £45. 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’s 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, in Online Banking and the Barclays app if you’re registered.


Payments are processed using the same secure Visa technology we use to process Chip and PIN payments.

About our debit cards

A Barclays Visa Debit card being inserted into a card reader at a restaurant

Debit cards

Make payments where and when you want

Use contactless for convenience and the Barclays app to securely control how your card is used.