What about safety – can someone steal my money by scanning my card?
It’s highly unlikely that anyone would be able to empty your bank account or buy a yacht (remember, the limit for contactless payments is £30). For starters, your card needs to be close to the payment terminal in order for the transaction to go through and the transaction itself needs to be keyed in.
If anyone did get close enough to scan your card, then the most they’ll get is the card number and expiry date – which are already visible on the front of your card. If someone was really determined to scam you, all they’d have to do is peer over your shoulder when you were using your card.
There’s also very little risk of making duplicate payments. Contactless payment terminals can only make one transaction at a time and every transaction needs to be complete or cancelled before it can make another.
If you keep two or more contactless payment cards in your wallet, then you should take out the card you want to pay with. This is because the payment terminal can only read one contactless card at a time, so if you’ve got a couple in your wallet and try to pay by tapping it on the card reader, the two contactless cards will clash signals and confuse the payment terminal meaning your payment won’t go through. Contactless cards are just as safe as chip and PIN cards.
If you really don’t fancy having a contactless card or you really, really want one then you can try talking to your bank or building society. Ultimately it’s at their discretion what they issue you with. So if you’re looking for a credit card or looking to open up an account with a debit card perhaps look for providers that give you the option of going contactless or not.