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Disabling a contactless bank card

(35 Posts)
Sometimesonly Mon 16-Nov-20 08:55:06

Has anyone actually done this? My bank is forcing me to have a contactless card and says it is not possible NOT to have contactless. There are videos showing how to do this online but they are a bit brutal! Just wondered if anyone had done this?

OP’s posts: |
pastabest Mon 16-Nov-20 08:59:07

What is your concern with contactless?

I don't use my physical cards anymore I always pay using my phone (contactless) which will only let me pay once it has recognised my fingerprint. More secure than a contactless card if that is your worry?

Sexnotgender Mon 16-Nov-20 08:59:41

Why do you want to?

dementedpixie Mon 16-Nov-20 09:00:08

Is there a particular reason you don't want one

Sometimesonly Mon 16-Nov-20 09:01:32

My worry is that I will leave it somewhere (probably at the supermarket self service till as I have done this before! ) and it will be used by someone. My bank has said there is no limit to the amount of times that it can be used for contactless transactions under 25 euros and that I will be liable for any transactions before I block the card. Seeing as I might not even realise that I no longer have the card (last time I realised after a day had passed!) this is not a risk I want to take.

OP’s posts: |
OrangeIsTheNewTwat Mon 16-Nov-20 09:02:18

Our bank (Barclays if you're interested) give us the choice of having a contactless or old style payment card. I have contactless for my personal account but old style for the joint account as we don't actually spend from it, it's just for bills.

pinpinbin Mon 16-Nov-20 09:03:22

Yes stop using the card and use your phone with you bio security on it instead (Apple pay, Google pay, samsung pay etc)

FamilyOfAliens Mon 16-Nov-20 09:04:37

DD has a contactless card (Co-op bank).

She’s had it since she was a student because she said if she’s too drunk to key in her PIN number, she didn’t think she should carry on drinking!

Sometimesonly Mon 16-Nov-20 09:05:03

I am in Italy (sorry should have said!) and paying by phone isn't really widespread enough to use that - and the bank said it's contactless or nothing!

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Sirzy Mon 16-Nov-20 09:05:48

pastabest

What is your concern with contactless?

I don't use my physical cards anymore I always pay using my phone (contactless) which will only let me pay once it has recognised my fingerprint. More secure than a contactless card if that is your worry?

This is what I do.

I was very cynical about contactless and even more so about Apple Pay but now I love the Apple Pay makes it so much easier at the moment too to only need my phone with me

pastabest Mon 16-Nov-20 09:05:55

I thought most contactless cards forced the user to put in a PIN number after (3?) transactions if used in a short space of time.

If it's just a security concern then would my phone suggestion work for you instead?

Dollywilde Mon 16-Nov-20 09:06:51

When I was with NatWest I dropped my card when on a night out and someone picked it up and put through 4 transactions of just less than £30, I didn’t realise until the next morning. NatWest immediately refunded it conditional on them investigating and if it was thought I’d lied I could be done for fraud.

As a pp through, I now pay almost exclusively with Apple Pay so the risk of leaving my cards anywhere is pretty minimal.

dementedpixie Mon 16-Nov-20 09:08:09

In the UK you are asked to use your pin after a set amount of contactless transactions. Is it not the same there?

FippertyGibbett Mon 16-Nov-20 09:08:26

Ive got contactless cards from two different banks.
I got them after having two lots of money taken from my account at the same time from the same large coffee chain 🟩

Sexnotgender Mon 16-Nov-20 09:09:12

Sometimesonly

My worry is that I will leave it somewhere (probably at the supermarket self service till as I have done this before! ) and it will be used by someone. My bank has said there is no limit to the amount of times that it can be used for contactless transactions under 25 euros and that I will be liable for any transactions before I block the card. Seeing as I might not even realise that I no longer have the card (last time I realised after a day had passed!) this is not a risk I want to take.

There should be a wallet limit. Unlimited low value transactions isn’t a thing.

Sometimesonly Mon 16-Nov-20 09:09:44

If it's just a security concern then would my phone suggestion work for you instead?
No, unfortunately most places don't accept phone payments where I am.

I thought most contactless cards forced the user to put in a PIN number after (3?) transactions if used in a short space of time.
I thought this too but my bank has said that it is limitless if each transaction is under 25 euros AND I would likely be liable for them! Lose-lose for the customer basically. Oh and they are charging me a monthly fee for the bank card I don't want.....sigh....

OP’s posts: |
dementedpixie Mon 16-Nov-20 09:11:02

But the phone uses the same reader as the bank card would.

Moondust001 Mon 16-Nov-20 09:11:06

A quick google tells you how to do it, but I wouldn't recommend it as it involves physically damaging the card - and many places wouldn't accept a damaged card.

dementedpixie Mon 16-Nov-20 09:11:22

Which bank is it?

Suzi888 Mon 16-Nov-20 09:11:26

My mum is with Lloyds and she doesn’t have contactless, she has to use her pin. It’s a brand new card.

Sometimesonly Mon 16-Nov-20 09:11:40

There should be a wallet limit. Unlimited low value transactions isn’t a thing.

I haven't seen the actual contract yet but two bank staff members have told me it is a thing. I am not in the UK though.

OP’s posts: |
pastabest Mon 16-Nov-20 09:19:50

I'm surprised that anywhere accepting contactless doesn't also accept phone payments, it's the same reader!

AvoidingRealHumans Mon 16-Nov-20 09:19:59

I know that here you can request a non contactless card as my stepdad has done that so it is technically possibly but a lot of us here probably won't know about banks in Italy, maybe they don't make non contactless cards anymore?

I have an account with Starling and anytime a transaction is made I get a notification on my phone so that would be handy for any unauthorised transactions if your bank does that as you could immediately block the card. My main account is Natwest and they don't do this so unless I noticed my card missing I wouldn't know about any spending on it and thats worrying.

Sometimesonly Mon 16-Nov-20 09:21:53

I'm surprised that anywhere accepting contactless doesn't also accept phone payments, it's the same reader!

It's more a question of some places ONLY accepting non-contactless, non-phone payments as they don't have up to date technology - but I will look into it more closely.

OP’s posts: |
Sometimesonly Mon 16-Nov-20 09:22:36

maybe they don't make non contactless cards anymore

My bank no longer gives you that option. My old non-contactless card is about to expire and I am not allowed a similar one.

OP’s posts: |

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