Contactless debit cards

Fiddlestick

Lith wrote: »

Wasn't aware that TSB had these ? 0_o

My partner has one.

andrew-the-cat

Fiddlestick wrote: »

My partner has one.

What city does she live in? Also can you put a photo of it (with the numbers blanked out etc) so I know what it looks like? Thanks

Mrs_Ryan

Bosie, its not true that the basic debit cards with Barclays cant be used on a train etc. Mine worked perfectly well when I bought a ticket on the train before - its definitely a basic one. I had cause to get some paperwork from them to do with a shall we say disputed withdrawal and it said type of card Electron so mine is the old Electron card.

OH has a contactless card with his Current Account with Barclays. I wouldnt mind one as Im curious as to how they work but I'm sure if I wanted to use one that bad OH would let me if I gave him the cash.

Bloomberg

cgk1 wrote: »

Actually it's millions - what, did you think they just magiked the number out of thin air?

Millions collectively but as individuals most of us spend more than £15 per transaction. why not just admit that you are in awe of the technology. Don't worry the novelty will soon wear off.

Gromitt

I bought a Strawberry Trifle today from Tesco. £1.90. They didn't have any Contactless terminals so I just paid by C+P. It was quick enough for me and still quicker than rumaging through my change.

My other small value transactions this week were £11 and £12 (clothing) which I'm more than happy to use C+P for and £1 in poundland, which I happily paid for using a £1 coin. They don't have Contactless terminals either though.

I've since moved most of my banking away from Barclays, but I'll keep £10 in my current account there just in case more shops start to support the technology. It'll be handy to put something like £25 in the account and use it as my "spare change" account (as in, transactions under £10)

username

andrew-the-cat wrote: »

What city does she live in? Also can you put a photo of it (with the numbers blanked out etc) so I know what it looks like? Thanks

I have one of these Lloyds TSB contactless debit cards, I live in South West London. The contactless debit card looks exactly like the normal green Lloyds TSB 2012 debit card, except that it just has the contactless symbol next to the 2012 logo.

Contactless will really kick off when it is built into mobile phones.

Imagine not having to carry cards at all but simply placing your phone on a pad, selecting which account you want to use and entering your pin on your phone rather than a retailers pad that could have been interfered with.

Then being able to see on your mobile device a record of your spending, your account balance etc etc.

As others have noted in Finland, Singapore, Japan this is the 'normal' way to pay for stuff these days and is far more secure than having wallets full of metal and paper.

If your phone or contactless card is stolen, the maximum a thief can get away with is c. 3 transactions before a pin is requested and you are far more likely to notice if your phone has gone and report it stolen than if one card has fallen out of your wallet or purse.

R.

Contactless on phones - putting too many eggs in one basket imo. If your phone gets nicked then not only do they have a phone full of your personal data, they get access to your bank account as well.

If the phone dies (which with today's smartphones, isn't a remote possibility) then how are you supposed to pay for stuff in your scenario (with entering the pin on your phone)? Unless there is a significant improvement in smartphone battery life, then anything which does rely on the phone is not very useful.

Also, there is a greater risk of interception, as physical pin pads etc are all harder to drop malware on than phones. The actual pad or computer it's connected to needs to be tampered with, whereas it's more likely you can get malware onto a phone through an app/download.

snozberry

Lloyds TSB sent me one when my debit card expired. I didn't ask for it. My account is a bog standard one but I have banked with them for a longgg time.

Bloomberg

Gromitt wrote: »

I bought a Strawberry Trifle today from Tesco. £1.90. They didn't have any Contactless terminals so I just paid by C+P. It was quick enough for me and still quicker than rumaging through my change.

My other small value transactions this week were £11 and £12 (clothing) which I'm more than happy to use C+P for and £1 in poundland, which I happily paid for using a £1 coin. They don't have Contactless terminals either though.

I've since moved most of my banking away from Barclays, but I'll keep £10 in my current account there just in case more shops start to support the technology. It'll be handy to put something like £25 in the account and use it as my "spare change" account (as in, transactions under £10)

Like you say, using chip and PIN is quick enough. This leaves my wondering why so many people are preoccupied with obtaining contacless cards.

Fiddlestick

andrew-the-cat wrote: »

What city does she live in? Also can you put a photo of it (with the numbers blanked out etc) so I know what it looks like? Thanks

Edinburgh, but with an account holding branch in the south of England.

I can't put it online as I don't own a scanner, but it just looks like any other premier account debit card except it has the contactless logo on it as well.

andrew-the-cat

Ok, thanks. By south of England do you mean London?