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Our new Visa Debit Cards have contactless payment technology. To use the new feature, just touch your new card on a contactless card reader, and you can instantly pay for anything up to the value of £30.  Wherever you see the contactless symbol you can use your debit card.

You are protected from fraud and where any unauthorised fraudulent transactions occur, these will be refunded. For added security, you will occasionally be requested to enter your PIN, to prove it is you using your card.

How do I get Visa contactless?

We will issue you with a contactless card automatically when your existing one expires.

Where can I pay with Visa contactless?

There are more than one million places where you can use your Visa contactless card, mobile phone or wearable in Europe, 400,000 of which are in the UK.

How secure is a Visa contactless payment?

Contactless payments are more secure than carrying cash for a number of reasons:

  • The information on your card is protected with secure Chip and PIN technology. Data transmitted during transactions is encrypted and protected with a digital signature that is much harder to forge than a handwritten one.
  • If your card is lost or stolen, you’re protected against unauthorised payments provided you inform your bank as soon as you realise it’s gone. Your card will be blocked immediately.
  • If your card does fall into the wrong hands, the maximum amount per transaction is £30, and after repeated payments, the person will be asked for a PIN. For payments over £30, authorisation is required, so nobody can make purchases without your PIN.
  • Each time your contactless device interacts with a payments terminal, it generates a one-time-only electronic signature and cryptogram, making it just as secure as a normal Chip transaction.



Couldn't I accidentally use my contactless card by walking past a terminal?

No. First of all, the contactless chip needs to be very close to the terminal (always less than ten centimetres and usually less than two centimetres) – so generally a tap of the card or phone above the terminal is required to make the payment.

Also, in a typical transaction, the sales assistant has to enter the amount for you to approve first, and then your card or mobile phone has to be held within a couple of centimetres of the terminal for longer than half a second. You should never be asked to hand over your card or mobile phone for a contactless payment.

Can a fraudster with a bogus contactless terminal steal information from my card by brushing up against me?

No. None of the information useful to today’s fraudsters, such as the three-digit CVV code, PIN, Visa passcode, card security code, billing address and other hidden security data, can be read from a bogus terminal.

Could the data on my Visa contactless card be changed without my knowledge?

No, your data is safe and only your bank can update or change the data on the card.

What if I present my Visa contactless device twice by mistake? Could I get charged twice?

No, you can only pay once for any transaction. The terminal will not accept two payments for one purchase – just like if you were using Chip and PIN.

If I have two contactless cards, could both of them be read simultaneously?

No, the Visa contactless technology has ‘anti-collision’ features; this means that if two cards are held to a terminal only one payment will be processed. Or, in some cases, the entire payment may be cancelled. If you do have more than one contactless card, it’s always best to present the one you want to pay with to the terminal – and leave the other in your purse or wallet.

What if I want to pay for a London bus fare and I have both an Oyster card and a Visa contactless card?

If an Oyster card and a contactless card are presented simultaneously, the Oyster card will generally take priority and be used for the payment. In some cases, the entire payment may be cancelled. You can be sure that only one card will ever be charged. But it’s always best to present the card you want to pay with to the reader – and leave any others in your purse or wallet.


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Reliance Bank Limited. All rights reserved. Registered in England. Registration no. 68835.
Reliance Bank Limited, Faith House, 23-24 Lovat Lane, London EC3R 8EB. Telephone: 020 7398 5400 Fax:  020 7398 5401
Reliance Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
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