What happens if you tap out with a different card?

What happens if I touch in with one contactless card, and touch out with another on the same journey? It's important that you try to avoid doing this, as you'll be charged a maximum fare on both of your cards. The two separate journeys won't be linked and each one will be recognised as incomplete.

Can you tap to pay with any card?

Yes. If you don't see the Contactless Symbol on the checkout terminal, you can still swipe or insert your contactless chip card, just like any other Visa card.

What happens if u forget to tap out?

If you don't have a default set on your card and you forget to tap off at the end of your trip, you'll be charged the fare to the last stop on the train line or bus route and with your fare type and any applicable loyalty discounts applied.

Can someone else use my contactless card?

Contactless technology means that a thief can use your card, even if they don't have your PIN. There is also a risk that you could accidentally pay for someone else's goods if your contactless card is too near a terminal while a transaction is in process.

Can you use contactless on a new card straight away?

You don't need to activate your new debit card when you receive it – it'll be ready to use straightaway. If you want to make a contactless payment, you'll need to do a chip-and-PIN transaction first.

Five things to know about Tap to Pay

Does ordering a replacement card cancel the old one?

If you're wondering, "If I order a new debit card can I still use the old one?" for online purchases, the answer is no – the account itself is on hold.

When you activate a new debit card does it deactivate the old one?

When you activate your new card, your existing card is automatically deactivated, so you should destroy it by cutting it up or shredding it to protect yourself against fraud.

What happens if you have two contactless cards in the same wallet purse?

If you have two contactless cards in your purse or wallet and hold it over the reader, the payment will normally be rejected. However, to be safe you should remove the card from your purse or wallet before using it - as you would for any other payment.

How can someone use my debit card without having it?

Fraudsters can get ahold of your card details in a few different ways—one of them being through an ATM card skimming device. Nefarious parties can also gain access to old bank statements or debit cards, or direct you to make a payment on a fraudulent website that collects your details.

Do you get charged for tapping in and out at the same station?

If you tap in and out at the same station after 30 minutes — say you travel across London only to realise you forgot your keys so have to go back to your original station — your balance is taking a serious hit. The system will assume you've done two incomplete journeys and charge you for both of them.

What happens if you forget to tap out your Oyster card?

Please wait at least 48 hours as you might receive an automatic refund: Oyster - we'll automatically add it to your card the next time you touch in or out of a rail journey. Contactless - the refund will show on your next card statement, or we will adjust the fares charged when you next travel.

What does tap on reversal mean?

Tap off to reverse a tap on

This is designed to allow passengers who tapped on by mistake to undo their action. However, it also means that it allows passengers to pass through the gated parts of the stations and out the other end, tapping off to reverse the initial tap on.

What are the risks of contactless cards?

Instead of skimming, the biggest security issue with contactless credit cards will involve physical possession of the card. No PIN or signature is typically required when using contactless payment, so if your card is lost or stolen it could be used by someone else without easy detection.

Can tap to pay be skimmed?

Technology does exist that allows criminals to skim information from the cards by using RFID, or radio-frequency identification. However, experts in fraud prevention have explained that RFID-related crime is essentially non-existent in the real world.

How many times can you use contactless before it asks for your PIN?

Forgetting your PIN

Card issuers only allow five consecutive contactless transactions that can be made before a PIN is requested in order to prevent fraud.

Can the bank find out who used my debit card?

You can rest assured knowing that anyone who can process a debit card charge must have a merchant account, which is linked to personally identifiable information about the account holder. Banks make it fairly easy to find out exactly who charged your debit card.

Can you get in trouble for using someone else's debit card?

How much money can I use on someone else's credit card before it's a crime? Unless the card owner has explicitly granted you permission to use their card, then even a small purchase on the card is illegal. This is a type of fraud, and you may be subject to criminal and financial liability even for a small transaction.

Can the bank find out who used my credit card?

Tips. Credit card companies can track where your stolen credit card was last used, in most cases, only once the card is used by the person who took it. The credit card authorization process helps bank's track this. However, by the time law enforcement arrives, the person may be long gone.

How many times can you use contactless in a day?

There is no limit to the number of times you can use a contactless payment card in a day via the contactless method, but there is a caveat to this. Intermittently, your bank may ask for you to enter your PIN to ensure it's you – and not anyone else – that is using your card.

How many times can you use contactless before it asks for your PIN UK?

Contactless limits

If contactless is used to pay for items five times in a row, shoppers will now be prompted to put their card into the machine and enter their pin to make a payment. Your card will now be declined if you use contactless on five transactions in a row.

How long do contactless refunds take?

We put it in your feed within minutes of us receiving and processing it from Mastercard. You can think of refunds as reverse collections/presentments so are subject to a delay of very roughly 1–3 banking days from the time the merchant sends it to the time it arrives with us in a Mastercard clearing file.

How long does a debit card stay active if not used?

If the account has been inactive for 2 years, it becomes dormant or inoperative. To avoid this from happening, you can carry out transactions like outward bill, cheque transactions, cash deposits, cash withdrawals, etc.

Can someone use an old debit card?

While they won't be able to use the card to make transactions, someone could use the personal information listed on the card or the data stored in the card's magnetic strip to commit identity fraud. Instead of throwing your card away, you should destroy it first so that no one can use the information from your card.

Does a new debit card affect direct debits?

As you've no doubt guessed, getting a new card does not affect your direct debits. A direct debit is linked to your bank account rather than your debit card. As such, no matter how much your card and card number change, your direct debits will remain unaffected.

Will my new debit card have the same number?

Will a replacement debit card have the same number? A replacement debit card will have the same number if the old card expired or no longer works, but will have a new number or if your old card was lost, stolen or if there's a situation of identity theft.