Contactless limit to rise to £100.

AlwaysLearnin

Sea_Shell said:

So is Googlepay an app that you load up with your debit card details then just hold your phone to the contactless terminal to pay?

Do you have to be connected to data/Bluetooth for it to work?

Yes, debit or credit card details can be loaded

You will need an element of data/WiFi connection, but not necessarily at the point of sale (Google does a much better job of expanding on than I could here 😊).  The device you use would need to have NFC though.

colsten

AlwaysLearnin said:

The device you use would need to have NFC though.

Surely all the devices which support ApplePay/GooglePay/SamsungPay/GarminPay have NFC?

Lightning360

molerat said:

Sea_Shell said:

So is Googlepay an app that you load up with your debit card details then just hold your phone to the contactless terminal to pay?  YES

Do you have to be connected to data/Bluetooth for it to work?

No, but you do need a phone that has NFC - Near Field Communication, surprisingly there still seem to be many that don't.  You only need data for any confirmation notifications.

Mine is one that doesn't! To be fair, it isn't an expensive phone and I obviously knew that it didn't when it was bought so I'm not too bothered. I don't buy many expensive things in-person so using contactless with my card isn't difficult.

molerat

colsten said:

AlwaysLearnin said:

The device you use would need to have NFC though.

Surely all the devices which support ApplePay/GooglePay/SamsungPay/GarminPay have NFC?

Not necessarily.  The GPay app is not solely for point of sale transactions.

Lightning360

colsten said:

AlwaysLearnin said:

The device you use would need to have NFC though.

Surely all the devices which support ApplePay/GooglePay/SamsungPay/GarminPay have NFC?

Again, my phone has Google Pay but I just can't use the contactless pay feature of it. 

gsmh

Even better, if you have a current account with NatWest, Royal Bank of Scotland or any of the NatWest Group banks you can withdraw cash from ATMs using your phone. You use the app to request a cash withdrawal code, enter this into a NatWest/Tesco/RBS ATM and you get the cash. That, for me, is the icing on the cake. Definitely no need to carry my cards around with me!

njm123

Santander allow you to switch contactless on/off via their mobile app - chip and pin still works.    Might be a similar option in other banking apps.   Could be useful if you don't use the card much.

I know Lloyds will send instant alerts when the card is used for debit cards - again set up in the app.   Won't stop fraud but at least alerts you quickly.   Not sure about their credit card alerts as it's only a backup card I haven't used since I set the alerts up.

Don't really like the £100 limit on debit cards if you need it you can probably afford a phone that has NFC so you can use Google/Apple pay which are better options.

I think the higher limit will just encourage crime - particularly robberies, burglaries and fraud.   Also I suspect as fraud increases both by lost cards being used and people claiming their card was lost banks will become less inclined to refund loses.  As ever that will disproportionately affect the people who can least afford the loss as they'll likely fit the profile the banks have of potential fraudsters.


 

IvanOpinion

Great news.  I use my card for everything, would try a mobile app but I have never lost a credit card yet but have lost several mobile phones (or they have stopped working).

Hopefully they will use this as another stepping stone to finally get rid of that vile disgusting stuff they call 'paper money' and 'coins'

Grumpy_chap

£100 limit for contactless is reckless IMO.

Brie

I would hope that the banks insist on more frequent pin use with a higher limit.  That will limit their losses due to fraudulent use without massively inconveniencing anyone.  

And of course there is the second side of it - the stores need to have this enabled as well.