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    • MSE Naomi
    • By MSE Naomi 3rd Sep 19, 4:01 PM
    • 310Posts
    • 70Thanks
    MSE Naomi
    MSE Poll: Should the contactless spending limit be increased?
    • #1
    • 3rd Sep 19, 4:01 PM
    MSE Poll: Should the contactless spending limit be increased? 3rd Sep 19 at 4:01 PM
    Poll started 3 September 2019
    Two in five debit card payments were made using contactless last year. Yet at the moment, the maximum amount you can spend using contactless is just 30 (barring some using Apple Pay), which is done to cap spending if someone takes your card.
    Did you vote? Are you surprised at the results so far? Have your say below.

    If you haven't already, join the forum to reply.

    Thanks!


    This Forum tip was included in MoneySavingExpert.com's weekly email!
Page 1
    • neilmorgan
    • By neilmorgan 3rd Sep 19, 10:44 PM
    • 11 Posts
    • 5 Thanks
    neilmorgan
    • #2
    • 3rd Sep 19, 10:44 PM
    • #2
    • 3rd Sep 19, 10:44 PM
    Having a card that doesn't require a signature or PIN encourages theft and abuse of that card.
    Knowing that at night these cards are likely to be accessible during a burglary encourages burglaries.
    Whilst contactless may be helpful to a relatively small percentage of card users who have a disability that prevents them from entering a PIN I don't believe that entering a PIN in a retailer's card machine is so difficult that banks prefer contactless with all the monetary and investigation time costs involved. Why do they really want us to use contactless?
    • Murphybear
    • By Murphybear 4th Sep 19, 6:57 AM
    • 4,909 Posts
    • 9,288 Thanks
    Murphybear
    • #3
    • 4th Sep 19, 6:57 AM
    • #3
    • 4th Sep 19, 6:57 AM
    Unfortunately one of the problems with an ageing population is that memory starts going.

    Now what was my PIN number again
    • bsms1147
    • By bsms1147 4th Sep 19, 7:04 AM
    • 2,046 Posts
    • 3,642 Thanks
    bsms1147
    • #4
    • 4th Sep 19, 7:04 AM
    • #4
    • 4th Sep 19, 7:04 AM
    Contactless is like carrying around cash, with some extra safety nets. I quite happily carry around 30, and I’d quite happily carry around 50 so o wouldn’t mind the limit reaching that, but any more than that and I’d probably only want to use contactless combined with further identification (facial, fingerprint)
    • jen49
    • By jen49 4th Sep 19, 9:42 AM
    • 137 Posts
    • 643 Thanks
    jen49
    • #5
    • 4th Sep 19, 9:42 AM
    • #5
    • 4th Sep 19, 9:42 AM
    Having a card that doesn't require a signature or PIN encourages theft and abuse of that card.
    Knowing that at night these cards are likely to be accessible during a burglary encourages burglaries.
    Whilst contactless may be helpful to a relatively small percentage of card users who have a disability that prevents them from entering a PIN I don't believe that entering a PIN in a retailer's card machine is so difficult that banks prefer contactless with all the monetary and investigation time costs involved. Why do they really want us to use contactless?



    Given that my handbag and purse was recently stolen and the b****ds went on a spending spree but kept the amounts spent to just under 20 resulting in over 100 spent not sure anymore if contactless is a good thing (i fall into the category of sometimes forgetting my pin number so contactless is good in that respect)and I'm not old just have a few cards

    Unfortunately one of the problems with an ageing population is that memory starts going.

    Now what was my PIN number again
    Last edited by jen49; 04-09-2019 at 9:46 AM. Reason: added quotes
    • db2016
    • By db2016 4th Sep 19, 3:32 PM
    • 159 Posts
    • 391 Thanks
    db2016
    • #6
    • 4th Sep 19, 3:32 PM
    • #6
    • 4th Sep 19, 3:32 PM
    im 33, never used contactless really (maybe half a dozen times max).

    i carry cash, easier to see it go out that way, as the act of reaching for it, taking it out etc.

    but 50 would be a fair reasonable round amount, and covers most things i guess people would do. such as a weekly shop, or a couple of clothes, or a meal. 50 would cover them things.
    • michaels
    • By michaels 4th Sep 19, 6:21 PM
    • 22,833 Posts
    • 104,557 Thanks
    michaels
    • #7
    • 4th Sep 19, 6:21 PM
    • #7
    • 4th Sep 19, 6:21 PM
    Try Amex in Aldi - record so far on contactless is 115.....

    Phoned Amex but they weren't worried.
    Cool heads and compromise
    • pollypenny
    • By pollypenny 5th Sep 19, 8:10 AM
    • 26,798 Posts
    • 70,566 Thanks
    pollypenny
    • #8
    • 5th Sep 19, 8:10 AM
    • #8
    • 5th Sep 19, 8:10 AM
    Two issues - it must be harder to keep track of spends and 3 or 4 could easily dribble away.

    Secondly, a clever thief could quickly spend a good deal in a number of different shops before anyone missed the card.
    Member #14 of SKI-ers club

    Words, words, they're all we have to go by!.

    (Pity they are mangled by this autocorrect!)
    • Nick_C
    • By Nick_C 5th Sep 19, 7:44 PM
    • 5,515 Posts
    • 8,898 Thanks
    Nick_C
    • #9
    • 5th Sep 19, 7:44 PM
    • #9
    • 5th Sep 19, 7:44 PM
    Coupled with the ability to freeze your card from an app or online banking, I would be happy with a contactless limit of 100.

    Maybe the answer would be to allow people to set their own limits.

    And yes, no limit contactless in Aldi with an Amex is very useful.
    • Josh5934
    • By Josh5934 5th Sep 19, 8:56 PM
    • 1 Posts
    • 0 Thanks
    Josh5934
    I think a 30 no-pin limit is fine, but why not allow contactless for any amount, but for those larger amounts still require a pin?

    This is how it works in Spain (contactless over €20 requires PIN entry), at least.

    You still tap the reader with the card, but it'll ask for your pin, as if you'd inserted the card. Saves the effort of thinking whether you can tap or have to insert.
    • Plorntus
    • By Plorntus 7th Sep 19, 1:21 PM
    • 1 Posts
    • 0 Thanks
    Plorntus
    Should just do what they do in Spain as someone mentioned earlier. Keep a limit for non-pin contactless but for any amount more it asks for a pin. This works pretty well, doesn't make sense to have contactless otherwise.
    • badmemory
    • By badmemory 9th Sep 19, 1:05 AM
    • 2,693 Posts
    • 4,311 Thanks
    badmemory
    I love contactless - it means I can't leave my card in the machine or have someone take the gadget out of my sight. It sounds like a good idea to still have to put your pin number in for an amount over 30.
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