How do I make a contactless payment?
- Look for the contactless symbol displayed on the shop’s terminal when you’re paying.
- When instructed, touch your card to the card reader. Sometimes this is on the screen; sometimes it’s on the side of the reader. (If you’re not sure, ask the retailer.)
- A beep or green light lets you know your payment is being processed.
Sometimes you may be asked to pay by using your PIN instead of making a contactless transaction. This is for extra security, so that we can check the card is still in your hands.
Also, if your card is new or a replacement, your will need to enter your PIN for the first transaction you want to make.
If my card is contactless, can I only make contactless transactions?
Not at all! You can use your PIN for all purchases and make contactless for purchases up to £30.
Can I use contactless to get cash from an ATM?
No, you’ll need to use your PIN to do that.
Is contactless secure?
Yes. It uses secure encryption technology, just like when you pay using your PIN.
Sometimes you may be asked to pay by using your PIN instead of contactless. This is for extra security, so that we can check the card is still in your hands.
If your card is lost or stolen, you must tell us as soon as possible.
What is the most I can pay for per transaction with contactless?
You can use contactless to pay for anything costing up to £30. Just pay by using your PIN for anything costing more than this.
Contactless payments are just as secure as chip and PIN payments. And they have the same money back guarantee.
Can I pay for one transaction with two contactless payments?
No. You need to make a one-off payment using your PIN.
Can I use my contactless card abroad?
You can use your opus card abroad – but you cannot make a contactless transaction. You’ll need to use your PIN every time you buy something abroad.
Do I get charged a fee for using contactless?
No. There’s no fee for making contactless transactions.
I tried to make a contactless transaction but it was declined. Why is this?
There are a number of reasons why your contactless transaction might have been declined. For example, it could be that:
- you’ve exceeded your card credit limit.
- your card may be damaged.
- there’s an issue with the retailer’s terminal.
- the retailer’s terminal is not accepting contactless transactions.
- you are using your card for the first time. In this case for the first transaction you want to make you need to enter your PIN.