Contactless Payments

Credit cards

If your application for a credit card has been accepted, you will automatically receive a contactless card.

Debit cards

The majority of our accounts allow you to have a contactless debit card. However, there are several exceptions:

• You must be aged 18 or over to be entitled to a contactless debit card.
• Contactless debit cards are not available with Adapt accounts, Basic or Foundation accounts.
• They are also not issued to customers or to those whose account is subject to an overdraft control or any other type of restriction on their account.

If you don't already have a Contactless credit card, any replacement card you receive will be issued with Contactless technology as standard.

To order a replacement Contactless credit card now, please call the number on the back of your card.

The maximum amount that can be spent in a single contactless payment is £45. If you wish to make purchases of a higher amount, you can still make a chip & PIN transaction.

When you use your debit card and a merchant tells us about the transaction we reduce your available funds immediately. For smaller transactions, including most contactless transactions, the merchant doesn't always let us know in advance you have made the transaction. This means we cannot deduct it from your available funds until we receive it a few days later.

It's a good idea to keep track of your contactless payments and make sure you have enough money in your account to cover them, in order to avoid going overdrawn.

The signal of your contactless card may interfere or be interfered with by other contactless cards that you may have.

If you have more than one contactless card in your purse/wallet you should remove the card you want to use when making a contactless payment - this will ensure the signal can be picked up clearly by the contactless reader.

No, you don't need a Contactless card. As long as you have an eligible account you can register for Apple Pay.

If you have an issue registering your card please contact our dedicated Apple Pay Support Team and they will check this out for you and arrange for an upgrade if you need one.

Digital Wallet support (Apple Pay/Android Pay)
Debit and credit cards: 0345 307 3335
overseas: +44 (0)161 930 8553
Open 8am - 6pm Monday to Saturday (excluding Christmas Day and New Year's Day) 
Calls may be recorded.