FAQs - Debit Cards
Contactless technology is a fast and convenient way to pay for purchases without entering a PIN. Simply tap your contactless card on the reader, and if the payment is successful, you will hear a beep and see a green light. If the payment is unsuccessful, a red light will appear on the reader’s screen.
Note: For your first transaction, you will need to enter your PIN. Once this is done, you can use your contactless card for all future transactions without needing to enter your PIN, unless specified otherwise for security purposes.
You can use your contactless card anywhere you see the contactless symbol. Simply tap your card over the reader to make a payment. If your purchase is under £45, no PIN is required. You can use the contactless feature in various places, such as shops, public transport, and more.
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Contactless payments are fast, convenient, and secure.
- Payments are completed quickly, and there is no need to carry cash or worry about having exact change
- Your card stays in your hand, reducing the risk of theft or fraud
- You do not need to to enter your PIN for purchases under £45
- All your purchases are automatically recorded in your account statement
The previous limit for contactless card payments was £30. However, from 1 April 2020, many retailers in the UK started accepting payments up to £45. If your transaction exceeds £30 and is declined, it may be because the retailer’s terminal has not yet been updated to support the new limit. In this case, you will need to use Chip and PIN to complete the transaction.
The daily spending limit for contactless payments can vary based on your bank or card provider. Typically, after making a series of contactless payments, you may be prompted to enter your PIN for added security. You can check with your bank for the exact limit, as it may differ depending on the institution and card type.
There are no additional charges or fees for using contactless payments. However, standard fees and charges may apply depending on your card type. For more details, please contact your Relationship Manager or refer to Visa Classic Personal Debit Card for more information.
Yes, you can use your contactless card internationally wherever the contactless symbol is displayed. However, the £45 transaction limit may vary depending on the local limits in different countries (it could be more or less).
- Cash Withdrawals Abroad: Fees may apply for withdrawing cash in a currency other than Pounds, or withdrawing Pounds outside the UK. Please refer to Visa Personal/Business Debit Card Flyer for international charges
- Foreign Currency Purchases: Foreign currency purchases may incur additional charges. Refer to the relevant tariff for more information
Yes, you can use your contactless card on all Transport for London (TfL) services, including the Underground, Overground, DLR, Tram, and London buses. For more details you can visit www.tfl.gov.uk
Using a contactless card on the TfL network will charge you the same fare as a pay-as-you-go adult Oyster card. The fare depends on the distance of your journey, and you will be billed accordingly. For detailed fare information, please visit www.tfl.gov.uk/fares.
If you have insufficient funds on your contactless card, you may still be able to start your journey. However, TfL will check if there are enough funds to cover the fare. If there are not enough funds, you will be blocked from continuing your journey until the outstanding balance is settled.
Yes, contactless payments will appear in the main section of your online statement, just like regular card transactions.
No, the contactless feature cannot be used for cash withdrawals at ATMs. For cash withdrawals, you will need to use your card with Chip and PIN.
No, cashback cannot be obtained through your contactless card transactions. To receive cashback, use your card with Chip and PIN.
Yes, your contactless card payments are secure and your card has the latest secure encryption technology as a regular Chip and PIN card. To add extra protection, you will be occasionally prompted to enter your PIN when making a payment to ensure it is always you using your contactless card.
Contactless payments are designed to prevent accidental charges. If you are carrying two contactless cards, it is best to keep them separate. The card reader will only process one transaction at a time, and industry-standard security technology ensures that payments are not processed multiple times if more than one card is nearby.
While it is highly unlikely that your card details can be stolen using contactless technology, the information transmitted during a contactless transaction only includes the card number and expiration date. This is not enough on its own for someone to make unauthorised purchases. Additionally, contactless cards use encryption for security, and real-time transaction alerts help you spot any suspicious activity. Always report any lost or stolen cards immediately.
While it is highly unlikely, the information transmitted during a contactless transaction only includes the card number and expiry date, which is not enough for a fraudster to make a purchase. Contactless cards use encryption for added security. Additionally, you will receive real-time transaction alerts to help detect any unauthorised activity. Always report a lost or stolen card immediately to ensure your account remains secure.
If your contactless card is lost or stolen, you should report it immediately to Habib Bank Zurich plc on 0800 6 444 429 and we will cancel your card. If you have not acted fraudulently or without reasonable care, you will not be liable for any fraudulent transactions. We offer a 24/7 helpline for lost or stolen cards.
To order your contactless card, you will need to contact your bank or Relationship Manager. If you are an existing Visa Debit Card holder, you can request a replacement card with the contactless feature. The Relationship Manager will guide you through the process and provide any necessary details regarding eligibility and application steps.
OTP means “One-Time Password”. An OTP is randomly generated and sent to your registered mobile number and email address for validation of your online transactions. It provides an enhanced level of security for card transactions when used to make purchases online.
Your registered mobile number and email address are the ones you provided in your debit card application form.
If you have not registered your email address, please contact your Relationship Manager. Your Visa card is auto-enrolled for Verified by Visa (“VbV”) services.
Each OTP will be valid for 3 minutes.
No. Each OTP is valid only for a particular transaction and cannot be used for any other transaction.
No. An OTP is required only when an online merchant invokes a VbV service. You will be asked to enter the OTP in this case.
An OTP is instantly sent to your registered mobile number and email. If you do not receive the OTP, please contact our 24/7 card services helpline at 0800 6444 429.
You can request the OTP to be re-sent to you up to two times only. After that, the resend button will be disabled, and you will be redirected to the main screen.
