Contactless cards

At least with contactless you do not run the risk of someone looking over your shulder when you  enter the PIN.

Also it forces you online to enter teh PIN aftr so many contactless payments and the limit is £30, I find it much better and convenient, faster than paying cash.

Write your comments here...That's right. If you do more than one contactless payment within one hour it will ask you to enter your pin even if the transaction is less than £30 before accepting any further contactless payments. This protects you should your card get lost or stolen.

I think mine are more random than that Malc. I have definitely used it within an hour 3 times and then it asked for a pin. Other times I have used it once and then the next day it asks for a pin. It probably depends on the amount. If you tried it close together for amounts close to £30 that could cause it to ask.

I would imagine unusual spending patterns are also part of security. Mine must be very boring, haven't been asked for a pin with contactless yet. 

Another thing to mention about Contactless is that the bank will refund any unauthorised payments made on the card if you simply ring them and tell them.

If you use your pin everytime and then someone watches you and takes your card then uses the pin to make purchases. You will wish you had used Contactless when you see how difficult to is to refund a pin authorised transaction.

Plus if your card has Contactless on it already it's silly to use the pin because your just exposing it unnecessarily!. 

But what I like most is Android Pay. it can be used on any Contactless machine for any amount and my phone is fingerprint secured for purchases over £30. 

Yes, Dave, my memories of using the London Underground are a bit hazy to say the least but I can see that you'd save time there. For regular users though, would there be any time/cost saving over having an Oyster card? Have to admit, I haven't got a flue how that system works though! 

Exactly the same time saving 'M' as an Oyster card and shared the same 'touch' point, but I don't know if regulars get a better deal on their cards, but we saved £1.60 I believe on a ticket price and paid the same as an Oyster user for our irregular visit.

Glad of the speed as we seemed to be the only ones not knowing where we were going, and 200 impatient people behind us seemed too

I think the full Oyster Card account, which you might have if you lived in London gets a bit of a discount. However, if you live outside London you can only have a pay and go one, which you charge up. It works out exactly the same price as your contactless card. However, I preferred it as it saved getting the credit card out on very busy stations. It only had £30 max on it, so if lost or stolen, would not have been a major  issue.

Write your comments here...

I'm not sure where you are getting your information from but I have a full facility Oyster card an I live in Suffolk. Apart from its speed of use, a huge benefit of an Oyster card account is that it only charges you for the cheapest travel package after you have completed your days jourrneys. I'm not sure whether contactless does that, I'll need to check. Certainly you can top up your Oyster card on line and you can set your account to auto top up when your credit runs low.

There has been talk of charges for using contactless here, we most certainly have never been charged for using ours, in fact TSB credits us with a small sum for using the service, so there's an incentive to use contactless.