Replacing debit card with contactless card

edited 30 November -1 at 1:00AM in Budgeting & Bank Accounts
48 replies 15.4K views
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  • Mulligan1Mulligan1 Forumite
    141 Posts
    Interestingly I used the contactless feature of my Halifax Debit Card for the first time in the Co-Op this morning for the princely sum of £2.18 and it didn't ask for my PIN number. I'm sure that I read on here that the first time you use contactless you would be prompted to enter your PIN?

    I had already used the card several times for Chip & PIN transactions though.
  • edited 10 May 2013 at 10:18AM
    reclusive46reclusive46 Forumite
    2.7K Posts
    edited 10 May 2013 at 10:18AM
    Mulligan1 wrote: »
    Interestingly I used the contactless feature of my Halifax Debit Card for the first time in the Co-Op this morning for the princely sum of £2.18 and it didn't ask for my PIN number. I'm sure that I read on here that the first time you use contactless you would be prompted to enter your PIN?

    I had already used the card several times for Chip & PIN transactions though.

    No I think you misunderstood. You have to have done 1 chip and pin transaction before the contactless feature will work. This makes sure its you that have the card and that someone didn't steal the card in the mail to you.
  • Mulligan1Mulligan1 Forumite
    141 Posts
    No I think you misunderstood. You have to have done 1 chip and pin transaction before the contactless feature will work. This makes sure its you that has the card and that someone didn't steal the card in the mail to you.

    Ah, I see now. Thanks.
  • PlxplyPlxply Forumite
    594 Posts
    Also just to point out the chip and contactless aren't totally separate, they're actually connected. The transaction counter in the chip increases even when you pay by contactless.
  • ChiefGrasscutterChiefGrasscutter Forumite
    2.1K Posts
    Part of the Furniture Combo Breaker
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    Really?
    So the chip on the card is not a "read only" chip?
    It can be written to as well if holds an incrementable counter?
  • reclusive46reclusive46 Forumite
    2.7K Posts
    Really?
    So the chip on the card is not a "read only" chip?
    It can be written to as well if holds an incrementable counter?

    Yes, certain portions of the chip are writable/editable.
  • BosieBosie Forumite
    1.2K Posts
    I have 3 contactless cards, Smile, HSBC and M&S but my friend has put some doubt about their safety.
    She said, say I lost one and didn't realize it, if a person who found it, they could use it at shops a few times and would I have to pay for the transactions?
    I've used mine in a co-op store, M&S and McDonalds's.
  • MoneySaverLogMoneySaverLog Forumite
    3.2K Posts
    Bosie wrote: »
    I have 3 contactless cards, Smile, HSBC and M&S but my friend has put some doubt about their safety.
    She said, say I lost one and didn't realize it, if a person who found it, they could use it at shops a few times and would I have to pay for the transactions?
    I've used mine in a co-op store, M&S and McDonalds's.

    Report it as stolen and you're not liable.

    If they use it between when you lost the card and when you reported it lost who knows what would happen for those small purchases like going to McD's
  • rb10rb10 Forumite
    6.3K Posts
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    Bosie wrote: »
    I have 3 contactless cards, Smile, HSBC and M&S but my friend has put some doubt about their safety.
    She said, say I lost one and didn't realize it, if a person who found it, they could use it at shops a few times and would I have to pay for the transactions?
    I've used mine in a co-op store, M&S and McDonalds's.

    Firstly, there is a limit to the number of consecutive contactless transactions that a card can perform before a PIN transaction is required. So that limits the potential loss to under £100.

    However, you can be >99% certain that the bank will refund any fraudulent transaction on your account, even if the transactions happen before you notice that your card is missing. It's not something to worry about.
  • reclusive46reclusive46 Forumite
    2.7K Posts
    rb10 wrote: »
    Firstly, there is a limit to the number of consecutive contactless transactions that a card can perform before a PIN transaction is required. So that limits the potential loss to under £100.

    However, you can be >99% certain that the bank will refund any fraudulent transaction on your account, even if the transactions happen before you notice that your card is missing. It's not something to worry about.

    + I can't imagine a thief trying to use contactless as it would be really awkward for them if there was a random security check :P
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