Starling Bank follows Lloyds Bank in giving customers more control over contactless spending, enabling users to set a lower limit from within its banking app.
Starling has announced its customers that is has launched a feature that enables clients to set their own limit for contactless payments made on your debit card, up to £100. The new feature is available from 15th October 2021.
The maximum contactless limit will automatically rise to £100 on 15th October. From that date, Starling personal, joint and business customers will be able to choose their own contactless payment limit using Starling flexible in-app slider.
Founder and CEO Anne Boden says: “The benefit of being a digital bank is the ability to listen to customers and implement wanted changes quickly. Analysing our spending data we can see that there appears to be little demand for the increased contactless limit and that many would like to retain the same contactless limit or even reduce it.”
Starling customers will have full control to set a lower limit from the app. The limit can be decreased from £100 in increments of £10, right down to zero, which will turn off contactless payments completely. If you choose to switch off contactless payments, be aware that some transactions could still go through if the payment is made offline, for example when using London Underground.
It’s also worth noting that while £100 is the new contactless limit for UK banks, not all UK merchants will be ready for this change straight away, so the previous limit of £45 may still apply for some transactions.
Your chosen contactless payment limit will also apply if you use your Starling card overseas. For example, if you set the limit at £30, this would mean your limit in Spain or Germany will be around €35, depending on the exact exchange rate at the time.
If you have not reduced your limit from £100 and travel abroad, the specific country’s standard limit will apply. Each country has their own limit and some are higher than £100.
Yes. When you’ve spent a total of £300 through multiple contactless payments, we’ll ask you to enter your PIN. Previously, we asked you to enter your PIN after spending £255. This is a security measure to help prevent fraud.
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