Contactless technology is a payment method that is a fast and convenient way to pay for your purchases without having to enter your PIN. A green light and a beep indicate a successful payment. In case of an unsuccessful transaction, it will show a red light on the reader to tell you that payment has not been completed.

Important Note: You will need to enter your PIN for the first time you use your contactless card. Once you have completed this step, this will enable you to use your contactless card for all future transactions.

Contactless cards can be used wherever you see the contactless symbol . All you need to do is look for a contactless symbol, tap your contactless card over the reader for payment and if your purchase is less than £45, you don’t need to even enter your PIN.

https://www.habibbank.com/uk/home/hbzCards.html

Contactless payment is fast, convenient, and secure.

• No cash or carrying exact change when making small-value purchases
• You will not be required to enter your PIN for payments under £45
• Contactless speeds up the time it takes to make a payment
• It’s secure as the card never has to leave your hand when making payment at the reader
• Record of all your purchases on your account statement

The previous contactless payment limit was £30 so if you are declined a transaction between £30-£45, it may be because the retailer is yet to have updated their terminal. In this case, you may need to pay using chip and PIN to complete the transactions over £30. From 1 April 2020, many retailers across the UK are accepting payment up to a new £45 limit.

Please note that for security reasons you may be prompted to enter your PIN from time to time to validate transactions.

There are no additional charges or fees for using contactless cards. However, standard fees and charges do apply. Please contact your Relationship Manager or visit our website https://www.habibbank.com/uk/home/visaClassicPersonalDebitCard.html for more information.

Yes, you can use your contactless card outside the UK wherever the retailer is displaying the Contactless Symbol. However, the transaction limit of £45 may vary in different countries depending on local limits (may be more or less).

• Cash Withdrawal

You may also be charged if you use your contactless card to withdraw cash in a currency other than pounds or withdraw cash in pounds outside the UK. Please refer to our Visa Personal/Business Debit Card Flyer and Tariff for International charges.

• Making purchases in foreign currency

You will also be charged if you use your contactless card to purchase in a currency other than pounds. Please refer to our Visa Personal/Business Debit Card Flyer and Tariff for International charges.

Yes, you can use your contactless card on all TFL networks (Underground, overground, DLR, Tram and London buses). For more details you can visit www.tfl.gov.uk

You will be charged the same as pay-as-you-go adult fare when travelling with an Oyster card. Please visit www.tfl.gov.uk/fares for more details.

https://www.habibbank.com/uk/home/visaClassicPersonalDebitCard.html

http://www.tfl.gov.uk/fares

If you make your journey with a contactless card that does not have sufficient funds in your account, it may allow you to enter the network and complete the journey. However, TFL will check with your card issuer to verify that there are sufficient funds to pay for your journey and your card will be prevented from making further journeys until your outstanding amount with TFL has been settled.

Please note, that contactless payments appear in the main section of your online statement.

No, the contactless feature cannot be used to withdraw the cash from ATM. You will need to use your card with Chip and PIN to make cash withdrawals.

No, the cash-back facility is not available through contactless transactions. You should use your card to make standard Chip and PIN transactions.

Yes, your contactless card has the latest secure encryption technology as a regular ‘chip & PIN’ card. To add extra protection, you will be occasionally prompted to enter your PIN when making a payment to ensure it’s always you using your contactless card.

Firstly, the reader needs to be activated by the retailer in order for it to charge you for the transaction. Furthermore, the reader only accepts your card once for each transaction. After the payment is authorized, it will not take another, even if your contactless is still nearby.

We encourage and advice our customer that its best to keep your contactless cards separate. The card and the reader are designed to ensure that an attempt to pay is rejected if more than 1 card comes into range. That’s because card machines can only ever do a transaction with one card at a time. Also, each card reader contains security technology based on industry-wide standards.

The information sent by the chip in a contactless card only includes the card number and expiry date, hence there is not enough for a third party to do harm. This is the same level of information anyone could see by looking at the front of your card which is not sufficient to make any purchase. As a part of our service with security, you will also receive a real-time transaction alert, helping you to identify potential unauthorized payments.

You must report it immediately to Habib Bank Zurich plc on 0800 6 444 429 and we will cancel your card. If you haven’t acted fraudulently or without reasonable care, you will not be liable for any fraudulent transactions.

If you are an existing Habib Bank Zurich plc Visa Debit Card holder and would like to apply for a contactless card then you must contact your Branch or Relationship Manager to apply for your replacement card with the contactless card feature.