What is contactless payment?
Contactless payment is a fast and easy way to pay for goods and services under ￡100 without entering a PIN. All you have to do is place your contactless card over the contactless reader to make the payment.
How do I know if my card comes with contactless?
If you find this 
logo on your card, then it is a contactless card.
Can I use my new contactless card straight away?
No. You must activate your card first. To activate your Credit and Debit Card, you can either call our Customer Services hotline on +44(0) 20 7282 8763 which is available 24/7, or visit one of our UK branches. Alternatively, you can sign the card activation slip and either hand it to any Bank of China (UK) Limited branch, or post it to the following freepost address:
Freepost RSRL – TXTB – EZBR, Bank of China (UK) Limited Card Centre, 1 Lothbury, London EC2R 7DB
For Debit Card, you can also activate your card via online banking/mobile banking.
However, before you can use your card’s contactless feature for the first time you will need to complete a transaction by Chip & PIN verification.
How do I know if a retailer accepts contactless payments?
Any retailer who displays the contactless symbol can accept contactless payments. You can use your contactless card wherever you see the contactless symbol. There are already lots of retailers in the UK that offer contactless payments, for more information visit Visa's website www.visa.co.uk/products/visa_contactless.
Can I use contactless to get cash out of an ATM?
No, you cannot get cash out of an ATM using contactless. Cash withdrawals at ATMs require the use of your card and PIN.
Is cash back available with contactless payments?
No. Cash back is not available on contactless transactions. If you wish to receive cash back, you will need to insert the card and enter the PIN.
Is there a limit on contactless purchases?
Yes. You can use your contactless card to pay for goods/services up to the value of ￡100 per transaction. For purchases over ￡100, you will be asked to insert the card and enter your PIN to complete the transaction.
Are there any fees for using contactless?
There are no additional fees for using your contactless card, however standard fees and charges do apply by some merchant service providers or for use of your contactless card abroad.
Will I receive a receipt for my transaction?
Contactless payments are designed to let you make low value transactions quickly and conveniently. If you would like a receipt to confirm the contactless transaction, just ask the retailer when you pay but not all retailers offer this service.
What happens if I carry multiple contactless cards in my wallet?
We do recommend you to take your contactless card out of your wallet or purse to touch the reader, it will ensure the right contactless card is debited. If you have more than one contactless card in your wallet or purse, the card reader might not charge the one you intended to use or the payment might not go through.
Can I use my contactless card abroad?
Yes, you can use your contactless card abroad just as you can in the UK but overseas charges will be applied in line with our Tariff of banking charges. Contactless transactions will be accepted wherever the contactless symbol is displayed. Please be aware that the contactless transaction limit of up to ￡100 or equivalent to the local currency, and the same foreign currency exchange fees and charges still apply.
How will a contactless transaction appear on my statement?
Contactless transactions will appear on your statement like any other card transaction.
Is contactless payment secure?
Yes, contactless technology uses secure encryption similar to Chip and PIN. There is a maximum amount of ￡100 allowed per transaction. Transactions above ￡100 will require Chip and PIN.
Can contactless payments be charged twice?
No, a contactless card reader can only process one transaction at a time.
If my card is lost or stolen, can someone use it repeatedly?
If someone makes multiple contactless payments in a row, they will be prompted to enter the card's PIN for security validation purposes. Contactless transactions are further protected by the fact that they can only be made on single purchases up to the value of ￡100. For transactions above that amount, the cardholder will be asked to make a Chip & PIN payment in the usual way.
If your card is lost, stolen or you feel that you may have been the victim of contactless fraud, please call us immediately on +44 (0)20 7282 8763 to cancel the card and we will replace it for you. To qualify for a claim if you may have been the victim of an unauthorised fraud transaction, you must use the payment instrument according to the Terms and Conditions. You must notify the Bank without undue delay once you become aware of the loss, theft, misappropriation, or unauthorised use of the payment instrument, and no later than 13 months after the transaction date. You must take all reasonable steps to keep safe any personalised security credentials related to the payment instrument or an account information service.
How do contactless payments work on Transport for London (TFL)?
For TFL services, simply touch your contactless card to the reader to pay quickly.
Can I use both my contactless and oyster card in one day?
Yes, you can use both cards. However, they operate on different systems, so you cannot combine their travel towards the daily cap.
Can I check my travel history with my contactless card?
No, TFL terminals only allow you to check travel history with an Oyster card. Your bank statement will only show the total amount charged each day.
If you need this document in another format, such as large print, please contact us.
