Contact or Contactless Debate

jimbo26

Not a security risk. Of course there will be some posters on here that swear by storing their cards in Faraday Cages, surrounded by a lead casket, and making sure anyone else with a contactless cards stays more than 100m away from them.

eskbanker

jimbo26 wrote: »

Not a security risk. Of course there will be some posters on here that swear by storing their cards in Faraday Cages, surrounded by a lead casket, and making sure anyone else with a contactless cards stays more than 100m away from them.

Indeed, but once they've finished lining their walls and making hats, there should still be enough scraps of tin foil left to wrap round the cards, for a cheaper alternative....

Wellard_Mann

Ergates wrote: »

Do you ever use the card for chip and pin transactions?

I believe it's only if you used the card contactless 10 times in a row *without* doing any chip and pin transactions between, that you'd be asked. i.e. each time you enter the pin (for any reason) the counter is reset.

Interesting. I have several contactless credit cards and debit cards. The only one that regularly asked me to enter the PIN (and I mean regularly, like about every third transaction) was TSB. Perhaps unfairly, I always put that down to them attempting to minimise cashback payments in the days when they were offering £5 a month on contactless.

I generally use Google Pay connected to Nationwide for everyday small payments. Nationwide had a brief spurt of asking for a PIN a few months ago. I realised that was down to the way I was holding the phone near the terminal and it hasn't done that again. I've made a lot more than 10 transactions before and since then as I rarely carry or use cash.

Never been asked for a PIN on any other debit or credit card.

Stompa

Ergates wrote: »

I believe it's only if you used the card contactless 10 times in a row *without* doing any chip and pin transactions between, that you'd be asked. i.e. each time you enter the pin (for any reason) the counter is reset.

I always thought it was supposed to work that way, but I've gone months without being asked for my PIN (contactless only). That must equate to hundreds of transactions.

Fortyfoot

Earlier this year while in Spain I had £65 taken twice from my contactless Halifax Clarity card, I did get my money back.

I have now cancelled my Clarity and Nationwide cotactless cards and have had them both replaced with chip and pin cards. I feel much safer now.

Fortyfoot

xzibit

I have 2 contactless cards and both of them on my phone and watch. The low £30 limit is a pain though. Should be £100. I reckon must waste minutes a year entering my pin.

Nasqueron

Ergates wrote: »

Do you ever use the card for chip and pin transactions?

I believe it's only if you used the card contactless 10 times in a row *without* doing any chip and pin transactions between, that you'd be asked. i.e. each time you enter the pin (for any reason) the counter is reset.

Rarely, most expensive stuff I buy is online, I honestly cannot remember last time I used my main card for anything chip and pin wise so I had to look it up.


My last transactions were, time line wise, new to old


4 contactless
a recurring payment
5 contactless
train tickets online
a recurring payment
paypal
2 online purchase


and so on, 12th October is the last transaction I did that was over £30 so not contactless and the longest run I can see is 6 contactless before another type (not chip and pin)


Between 12/10/18 and today I have done 24 contactless payments with various things in the middle. The last query I had from the bank was a brief business trip to Spain where the final uber ride I did back to the airport did trigger a confirmation text

Nasqueron

Fortyfoot wrote: »

Earlier this year while in Spain I had £65 taken twice from my contactless Halifax Clarity card, I did get my money back.

I have now cancelled my Clarity and Nationwide cotactless cards and have had them both replaced with chip and pin cards. I feel much safer now.

Fortyfoot

Until your card is stolen/cloned and your bank refuses to refund if the PIN was used (even if shoulder surfing). Daft levels of paranoia to lose the functionality of contactless purely because of a crime in Spain

K80_Black

I've 'lost' my wallet before (probably nicked!), and no-one tried to use my contactless card. I'm guessing the thieves showing their face on the shops CCTV probably isn't worth £30.

crispy_duck

xzibit wrote: »

I have 2 contactless cards and both of them on my phone and watch. The low £30 limit is a pain though. Should be £100. I reckon must waste minutes a year entering my pin.

I don't know about watches, but on phones the limit is higher as the phone has to be unlocked to use it - I've done contactless transactions for more than £100 using my phone.