Contactless cash | Barclays (2024)

FAQs

How does contactless cash work? ›

To take out cash using your Android smartphone, you need to register with our app and turn on its Contactless. feature. You also need to add your debit card within the app – you can do this in the 'Contactless cash' section. Once you're set up, visit one of our eligible cash machines and tap your phone onto its reader.

You can still make contactless payments on your phone over the £100 limit but they require authentication through a password-protected phone, or through entering your PIN.

Contactless credit cards have a small embedded chip emitting electromagnetic waves. This chip is not the “insert” chip you use instead of swiping. When you place your card within a few inches of a contactless-enabled payment terminal, your payment information is transferred.

Yes. You can get cash back with your contactless debit card just like you could with your old card. However, some merchants require customers requesting cash back to insert their contactless card even when the payment terminal is a contactless one.

Because contactless payments require neither PIN nor signature authorisation, lost or stolen contactless cards can be used to make fraudulent transactions.

Using Your Cash App Card for Contactless Purchases

Cards are equipped with NFC (Near-Field Communication) technology, giving you access to contactless payments in stores and on transit. It's as simple as tapping your card on a payment reader at the turnstile or on a bus or train.

It follows on from the successful increase in the limit from £30 to £45 in April 2020. From 15 October 2021, consumers will start to see retailers accepting contactless payments up to the new £100 limit, which will give customers more flexibility when shopping in store.

Contactless payment is safer than cash because cards can be blocked if they are stolen. If cash is stolen it is usually impossible to trace. Contactless payment is not as safe as chip-and-pin payment (or chip-and-signature) payment because there is no cardholder verification.

Just like with a normal Chip and PIN transaction, your contactless payment can be declined if you don't have enough money in the bank to cover the amount. It may also be declined if you've used contactless many times during the same day.

Quicker transactions and shorter queues at the checkout are the most significant advantages of contactless payment. Handling cash is not a concern at the checkout. You also don't have the hassle of punching in your PIN. Tap-to-pay technology is more reliable and secure than other forms of payment.

How do I receive money from contactless? ›

To accept contactless payments, your phone needs to be compatible with near field communication (NFC) technology. You can read more about NFC technology here. You'll need to set up a Stripe account, you can get started by tapping on 'Get set up' under 'Accept card payments' in the 'Get Paid' tab in your mobile app.

To make a payment, your contactless card or payment-enabled mobile/wearable device must be placed within 2 inches of the Contactless Symbol located on the checkout terminal in order for the transaction to take place (so you can't pay accidentally).

A cardless ATM lets you withdraw cash using your mobile or other smart device instead of a physical debit card. They tend to use the same technology as used in contactless payments, called near-field communications or NFC. Others use QR codes. You may not be able to make a cardless ATM withdrawal just anywhere though.

Cardless ATMs

First, check to make sure the ATM has the contactless payment symbol that indicates it accepts mobile wallet transactions. Once you've confirmed the ATM allows for cardless ATM access, you can follow the prompts to withdraw cash.

At the ATM, open your mobile app or digital wallet to start your transaction. If you're using a digital wallet, pick the virtual card you want to use. Tap the ATM or scan the QR code. At an NFC-equipped ATM, tap your phone on the ATM's contactless symbol on the ATM.

What is cardless cash? Cardless Cash is a Mobile Banking service that allows you to withdraw cash from an ATM without using your card. With Cardless Cash, you can simply generate a 6-digit cash code in our Mobile Banking App and use it to withdraw cash at any St.

The first time you use your contactless card for a transaction, you'll be asked to use chip and PIN or sign for your purchase. Once you've done that, all future transactions can be contactless. You need to hold your card very close to the reader (around 2 – 4 centimetres) for it to work.