Contactless limit in UK to be increased to £45

The spending limit for contactless card payments will be increased from £30 to £45, with a national roll-out beginning from 1 April 2020, UK Finance has announced.

The decision to raise the limit was taken following consultation between the retail sector and the finance and payments industry and follows similar increases in several other European countries over the past week.

The changes were already under consideration by the industry, but the process has been expedited as part of the industry's response to the Covid-19 outbreak to support consumers who choose to pay using contactless at this time.

From 1 April 2020, consumers will begin to see an increasing number of retailers accepting contactless card payments up to the new £45 limit. Given the pace at which this change is being rolled out, the new limits will take some time to be introduced across all retailers, including some of those facing additional pressure due to the Covid-19 outbreak.

For consumers spending more than £45 there are many ways to choose to pay, for example through Chip & PIN, cash and alternatives such as mobile payments which do not have an upper limit when authenticated through biometric technologies.

Stephen Jones, CEO of UK Finance, said:

?The payments industry has been working closely with retailers to be able to increase the contactless payment limit to help customers with their shopping at this critical time for the country.

?This will give more people the choice to opt for the speed and convenience of purchasing goods using their contactless card, helping to cut queues at the checkout.

?The industry continues to work closely with the government and regulators to support customers impacted by Covid-19 and ensure that they can pay in a way that suits them.?

For more information please call the UK Finance press office on 020 7416 6750 or email

Contactless limit change FAQs
24 March 2020

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Notes to editor

<ol><li>UK Finance is the collective voice for the banking and finance industry. Representing more than 250 firms across the industry, we act to enhance competitiveness, support customers and facilitate innovation.</li>
<li>£80.5 billion was spent on contactless payments in 2019, the latest UK Finance figures reveal, up 16 per cent on the previous year. UK Finance?s latest Card Spending Update figures on contactless spending in 2019 can be found here: <a href="…;
<li>Contactless fraud on payment cards and devices remains low with £20.6 million of losses during 2019, compared to spending of £80.5 billion over the same period. This is equivalent to just 2.5p in every £100 spent using contactless technology. Contactless fraud on payment cards and devices represents just 3.3 per cent of overall card fraud losses, while 44 per cent of all card transactions were contactless last year: <a href="… />
<li>In the past few days, governments and the payments industry in Greece, Ireland, Malta, Poland and Turkey have worked together to raise the contactless payments limit.<br /><a href="…;
<li>While growing numbers of consumers are opting for the convenience and security of paying using contactless, cash remains a valued means of payment for many. The banking and finance industry continues to work closely with the government and regulators to maintain access to cash for those who prefer to use it. UK Finance and its members are working with the Joint Authorities Cash Strategy Group (JACS) and wider stakeholders, to ensure customers have a choice in how they pay for goods and services. To support the use of cash, all the high-street banks have arranged for everyday banking services to be available through 11,500 Post Offices across the country. Banks are also investing in ATMs and mobile bank branches to reach more rural communities.</li>
<li>The <a href="… Health Organisation</a>, the <a href="">Bank of England</a>, the European Central Bank and other national central banks, and renowned scientific institutions have confirmed that there is no scientific evidence that there is an increased risk of spreading the coronavirus through the use of cash.</li>