Best Card/account to use for Android Pay?

[Deleted User]

With Android Pay you don't need to open the app - if NFC is left on within the device settings then the user only has to 'wake' the screen at checkout

Whether the screen requires unlocking is based, as far as I know, on volume and amount of Android Pay transactions relative to the time the device was last unlocked - so unlocked with last, say, 20 minutes and it'll assume you still have the phone and only require a 'wake' (not PIN/pw/fingerprint) unless you go spend happy and fraud detection kicks in - I've never been forced to actually unlock the screen.

Because of that I'd imagine using it on TFL is easier than ApplePay, as you just wake the screen not faff about with the app and fingerprint etc. I've never actually used ApplePay, or NFC on TFL - so just my thoughts, maybe someone that's used both could verify.

I tried for a £32 transaction at Tesco (having made sure to unlock first too!) and it declined as over limit. My phone hasn't got fingerprint so couldn't try that - apparently only some shops accept high value contactless though, maybe T's don't

Reason I don't both with Android Pay anymore is partly personal data, but also my credit cards aren't compatible (Capital One and Newday). I'm not sure how restrictive ApplePay is, but Android Pay only lists the 'main' banks as participating.

As 20aday says, TSB CC looks good, if I had one I'd probably use it (phone is easier to get to than a single card in wallet In my case) - but at the moment I have no need. If Google launch another promo (December was 5 x shops = £3 off Costa, and 'lucky dip' draw through the month....) I'd switch back for the promo period.

Or if TSB turn cash back on for old customers...., but in the current environment I think there is more chance of pigs flying. I never understood the logic of that 5% promo!

Jlawson118

Most other banks do work with Android Pay now. I've used many different banks and credit cards with Apple Pay though the only time I've seen anyone using Android Pay since launch was this week with a guy with a Santander account.

I'll assume most other major banks have followed

takman

wiseonesomeofthetime wrote: »

I found that, as long as you opened your phone via fingerprint, Android Pay could be used at the checkout at Aldi for amounts higher than £30.

Didn't work for the shopping bill when opened via pattern though.

Used it in conjunction with my TSB card for 5% return. That offer has now expired so I now just use cards and don't bother with android pay any more.

Couldn't see the difference between taking phone out, opening phone, switching on NFC, tapping phone, to opening wallet, removing card and tapping pay point with card.

Where there is no benefit, I shall stick to card.

Admittedly, I did like the 'receipt' that showed on the phone instead of a load of till receipts, however, like another poster has mentioned, it is just extra personal data being shared with google who probably know a shed load about me already.

Why are you turning your NFC on and off that's completely unnecessary?.

Android Pay is quicker for me because I take my phone out my pocket and place my finger on the unlock button and touch it on the reader then back in my pocket, all in one movement.
But obviously it's not just about saving a few seconds it's all about doing everything from one device.

In Subway my Subcard is on my phone so they scan the card from my phone then I touch the phone to pay. My phone is already out so no need to get my wallet out too. Last night I went to a restaurant and had a voucher on my phone so they scanned the voucher then I paid with my phone.
I also have a gift card on my android pay (£3 for Costa) so no need to carry it around.

So it's all about having everything available on one device then you don't have to have 20 different cards in your wallet and have to get out loyalty cards, debit cards and gift cards seperately everytime you pay.

GingerBob_3

takman wrote: »

Why are you turning your NFC on and off that's completely unnecessary?.

Android Pay is quicker for me because I take my phone out my pocket and place my finger on the unlock button and touch it on the reader then back in my pocket, all in one movement.
But obviously it's not just about saving a few seconds it's all about doing everything from one device.

In Subway my Subcard is on my phone so they scan the card from my phone then I touch the phone to pay. My phone is already out so no need to get my wallet out too. Last night I went to a restaurant and had a voucher on my phone so they scanned the voucher then I paid with my phone.
I also have a gift card on my android pay (£3 for Costa) so no need to carry it around.

So it's all about having everything available on one device then you don't have to have 20 different cards in your wallet and have to get out loyalty cards, debit cards and gift cards seperately everytime you pay.

I hope your phone battery never runs out.

Dandytf

SnowTiger wrote: »

Any of the cards listed here.

Please fix the link.

Thanks 😳