Contactless cards

amanita

suaveybloke wrote: »

Very annoyingly, First Direct (and HSBC/M&S) offer contactless debit cards but don't offer contactless credit cards. Why a bank as large as HSBC can't offer this I've no idea.

True, but they do offer Android and Apple Pay. It is weird though- even as recently as November I got a non contactless card from HSBC.

parking_question_chap

wiseonesomeofthetime wrote: »

Some people find it difficult to remember multiple four digit numbers.

I certainly do not use the same number for more than one card for a number of reasons.

And writing that PIN down is frowned upon.

Not a step back, imo, but maybe not a step forward either!

So how do these people remember the number for purchases over £30?

Surely if you had to use the number all the time, rather than contactless, it would reinforce it in your memory.

System

RBS do non contactless i have just requested my new card not be contactless , i have to call Santander to sort that one out.
I just don't trust it .

Anthorn

Shakin_Steve wrote: »

I have four contactless cards in my wallet. Is this likely to confuse any machine that tries to scan them, or will it be able to access all of them at once.
I'm scared.:rotfl:

Possible that the machine will be confused and charge the wrong card or even charge more than one card. The advice to remove the contactless card from the wallet to pay was prominent during 2013 and 2014 when TFL advised that the Oyster card should be removed from the wallet to pay and First Direct confirmed the need to remove the contactless card from the wallet to pay.

http://www.telegraph.co.uk/finance/personalfinance/bank-accounts/10398813/Bank-acknowledges-contactless-card-problems-by-changing-rules.html

http://www.telegraph.co.uk/finance/personalfinance/money-saving-tips/11215583/Contactless-cards-how-to-avoid-paying-twice.html

phillw

nic_c wrote: »

I'm not sure cloning would be such a problem. Do you know what information they get from a scan? Its the information on the front of your card, so someone with a camera phone stood next to you could get the same info without the need to scan the card.

The contactless card give you more than is on the front of the card.

http://www.forbes.com/sites/thomasbrewster/2015/02/18/android-app-clones-cards/#7a4dc690361d

You can try to block the signal, but eventually you'll take your card!out to use it. That is where I'd plant a device that skims NFC details.

Not that PIN pads are any safer, anyone can modify any terminal to skim details and PIN in seconds then return a week later to download the data.

The banks aren't really that interested in reducing fraud.

Fireflyaway

My husband is with Santander and doesn't have contactless. I swore I wouldn't use contactless but now I have one, I find it really useful. I too worry about fraud but put things in perspective. I'm nearly 40 and have only lost my card once ( it was stolen and had no money in my bank anyway!). I did see a guy in the coffee shop the other day not even take his card out his wallet. He just put the wallet close to the machine..... Now I will be careful not to get too close by accident!

Arleen

phillw wrote: »

The contactless card give you more than is on the front of the card.

http://www.forbes.com/sites/thomasbrewster/2015/02/18/android-app-clones-cards/#7a4dc690361d

You can try to block the signal, but eventually you'll take your card!out to use it. That is where I'd plant a device that skims NFC details.

Not that PIN pads are any safer, anyone can modify any terminal to skim details and PIN in seconds then return a week later to download the data.

The banks aren't really that interested in reducing fraud.

yea they are, that is why the article you've linked is from almost 2 years ago and since was resolved with new cards.
That is also why more and more online retailers opted in to the 3D authentication, so even if you will get the details of my card, you can't use them to pay online. And even if you do become victim of that (I was once) you will get a refund from the bank within 1 hour of the phonecall about it. And it is done in "no questions asked" matter, just say that you don't know those transaction and money is in your account.

David555

While it's a handy feature and saves time waiting for the pin machines to load/process the transaction I also do worry about the fraud.

Being contactless is only going to make it easier for fraudsters to clone cards by making their own wireless readers and placing them near/over the genuine terminals surely. They don't even need to worry about the hidden camera to catch the PIN numbers. if they can clone cards using a cloning device on a non wireless card a wireless card will be a walk in the park! Or not even that... what's to stop fraudsters making their own device that sets up a fake £30 payment and walk down Oxford street with the device in their hand held at waist height? They'd be passing people's pockets within inches of the fake device. Not only that they'd think of a way to make their signal stronger I'm sure so any wireless card could be charged within a foot. Only a matter of time I feel

Arleen

David555 wrote: »

While it's a handy feature and saves time waiting for the pin machines to load/process the transaction I also do worry about the fraud.

Being contactless is only going to make it easier for fraudsters to clone cards by making their own wireless readers and placing them near/over the genuine terminals surely. They don't even need to worry about the hidden camera to catch the PIN numbers. if they can clone cards using a cloning device on a non wireless card a wireless card will be a walk in the park! Or not even that... what's to stop fraudsters making their own device that sets up a fake £30 payment and walk down Oxford street with the device in their hand held at waist height? They'd be passing people's pockets within inches of the fake device. Not only that they'd think of a way to make their signal stronger I'm sure so any wireless card could be charged within a foot. Only a matter of time I feel

The fact that withdrawing money from that 30 quid fake transaction is not exactly easy and is highly traceable (you cannot just set your own payment taker tool and suddenly swim in money). Thus doing so in a way to not be in the big house within a week requires rather elaborate setup in order to turn actual profit. And it absolutely doesn't work on people who use RFID blocking wallets, to throw one more clog into that business venture.
Oh, and tools to steal cards at non-tap range, without having to be stored in backpack and humming like a powerplant, are quite expensive.

JuicyJesus

Not one person on this forum has ever, ever, ever outlined a fraud they've suffered where contactless was used.

When I worked for a bank, nobody ever, ever, ever reported a fraud based on a contactless transaction. Not once.

Contactless is safe. If someone has physical access to the card, they are going to buy gift cards online using the 16 digit number and CVV. They are not going to buy a Big Mac using contactless.