Contactless card limit raised to £45

The contactless limit for in-store card transactions will increase from £30 to £45, introduced as a measure in response to the Coronavirus pandemic, to reduce the need for physical contact with PIN-Entry Devices (PEDs) at points of sale.

The new contactless limit will be operational at some stores across the UK from 1 April, but may take some time before it can be applied everywhere. For example, it may take longer to rollout at retailers who are currently operating at peak capacity.

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.

The move was in response to continued consumer demand and pressure from industry groups like the British Retail Consortium, who's head of payments policy Andrew Cregan stated: “The last contactless limit increase to £30 took two years to implement but, given the extraordinary circumstances we face today, this new £45 limit will be rolled-out from next week.

"Some shops will take longer to make the necessary changes, given the strain they’re under," he continued, adding: "In the meantime, most customers can continue to make contactless payments for higher amounts using their smart phone.”

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