The Student Room Group

£100 contactless limit could increase

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Reply 20

Original post
by Talkative Toad
Nah not a fan.
I’d personally prefer it if you made it so that businesses (shops and the hospitality industry) operating UK were required to accept cash.
Even though I hardly ever use cash, it’s disappointing to see universities like mine having banned cash payments since December 2022. What if you’re a kid visiting the university and you want to by something extra and have no card? (Yes I have kids visiting my university).
Sometimes I’ve had my card declined (the company’s card machine is playing up rather than my card being the issue) but had the correct amount of money in cash but companies like Ryanair will be stingy and try to gaslight you into thinking that it’s your fault and they won’t accept the cash payment.
Please focus on making it so that businesses and other institutions (where reasonably possible) e.g Ryanair when you’re trying to buy stuff on the plane and my university on campus are required to accept both cash and card payments.
Sometimes the machine breaks down, sometimes it’s kids who most likely don’t have a card who want to by stuff, sometimes you can be like me and not have a contactless card (was the case for me for years) and some places only accept contactless payment etc.
So have a contingency plan in place by allowing cash payments. That would be more useful than endlessly increasing the contactless limit.

I was very fortunate i was in Doughnotts a Notingham based purveyor of delicious doughnuts and the card machine refused to work, i offered to go to the nearest cash point. But the lady let me have my baked goods for free.

That said since the pandemic I've stopped carrying cash because so many places no longer take it. Cash used to be king and I still wish it was. I can think of a few examples where carrying a cash float could be problematic (ironically on a plane i kind of get having previously worked as a trolley dolley on the railway. You'd be dealing with many different currencies card streamlines this process and makes for much less mistakes)

Reply 21

Original post
by Stormgrad
I think £100 is where im happy for the contacless limit to be at. Between card cloning and theft I feel £100 is a fair middle ground before opening us up to more risk while making it exceptionally easy and convenient

There is no inconvenience but my statement was in reply to a post suggesting that anyone using a physical card for purchases over £100 had to be involved in criminal activities, and I was simply stating the number of purchases that I had done in the current week using my card that were over that limit. I do not buy everything online, far from it.

Reply 22

Original post
by Saracen's Fez
Probably more that I'm so used to making almost all of those sorts of purchase online card security there being a whole separate question!

It's the leap from 'More than I'm used to' to 'overwhelmingly criminal' I'm really baffled by.

I would have thought criminals by far preferred cash or goods and that the vast majority of card payments over £100 were for entirely legitimate goods and services.

Reply 23

Original post
by Stormgrad
I was very fortunate i was in Doughnotts a Notingham based purveyor of delicious doughnuts and the card machine refused to work, i offered to go to the nearest cash point. But the lady let me have my baked goods for free.

That said since the pandemic I've stopped carrying cash because so many places no longer take it. Cash used to be king and I still wish it was. I can think of a few examples where carrying a cash float could be problematic (ironically on a plane i kind of get having previously worked as a trolley dolley on the railway. You'd be dealing with many different currencies card streamlines this process and makes for much less mistakes)

Have it so that plane companies are only required to accept the currency listed in the magazine.

So if I’m on Ryanair and the magazine only has the cost of items in £/€ then those should be the only currencies that Ryanair should accept on the flight, they should not be required to accept say my US dollars for example.

Before I could pay in cash with euros/pounds on flights just fine, now companies are using the pandemic as a reason to refuse cash payments even in cases where the card machine is completely broken down.

I rarely use cash (and I’d prefer not to out of laziness and inconvenience) but sometimes the card machine isn’t working, some people might not have a card (kids) for whatever reason, some people might not (as stupid as it sounds) have a contactless card and the establishment only accepts contactless payments etc

I’d prefer that the government focused on these issues, rather than trying to make society go cashless or endlessly increase the contactless limit.

Reply 24

Original post
by StriderHort
It's the leap from 'More than I'm used to' to 'overwhelmingly criminal' I'm really baffled by.
I would have thought criminals by far preferred cash or goods and that the vast majority of card payments over £100 were for entirely legitimate goods and services.

Me too. A card leaves far too many traces for it to be of any interest to a criminal. The only things they like doing is copying them!

Reply 25

Original post
by Talkative Toad
Have it so that plane companies are only required to accept the currency listed in the magazine.
So if I’m on Ryanair and the magazine only has the cost of items in £/€ then those should be the only currencies that Ryanair should accept on the flight, they should not be required to accept say my US dollars for example.
Before I could pay in cash with euros/pounds on flights just fine, now companies are using the pandemic as a reason to refuse cash payments even in cases where the card machine is completely broken down.
I rarely use cash (and I’d prefer not to out of laziness and inconvenience) but sometimes the card machine isn’t working, some people might not have a card (kids) for whatever reason, some people might not (as stupid as it sounds) have a contactless card and the establishment only accepts contactless payments etc
I’d prefer that the government focused on these issues, rather than trying to make society go cashless or endlessly increase the contactless limit.

Ahh okay i didnt know that about planes, but yeah i think everywhere with some reasonable limitations should take cash. But yeah older and younger people are less likely to use card and they should be catered for

Reply 26

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Original post
by Stormgrad
I think £100 is where im happy for the contacless limit to be at. Between card cloning and theft I feel £100 is a fair middle ground before opening us up to more risk while making it exceptionally easy and convenient

I agree.
It should stay as it is.

Reply 28

In Hong Kong you can set (or change) your card's spending limit (both daily and monthly) through the banking app. Don't know if it is available in UK.

Reply 29

Original post
by cksiu
In Hong Kong you can set (or change) your card's spending limit (both daily and monthly) through the banking app. Don't know if it is available in UK.

On mainland Europe you can as well for most cards but NOT the contactless limit.
(edited 8 months ago)

Reply 30

Original post
by TheStupidMoon
£100 notes should be used more frequently instead. People were paying for items with £50 notes in the 1980s.

This is true. Only once have I used a £100 note, nine years ago and it took a bit of effort to get hold of one to use.

Reply 31

Original post
by Quady
This is true. Only once have I used a £100 note, nine years ago and it took a bit of effort to get hold of one to use.

Shops hate them because of the loss it turns out to be a counterfeit.

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