Shoppers across the UK will now be able to pay up to £100 using contactless card payment services from today.
At the start of the COVID-19 pandemic, the payment cap was increased to £45 to help reduce the need for customers to handle cards and cash due to concerns about the virus being transmitted via surfaces.
But today’s payment limit increase to £100, announced last week, is the most significant yet.
The latest increase, which was initially announced in March’s budget, will not be available everywhere straight away however, as some businesses and retailers still need to roll out changes to their technology, while others may choose not to adopt the new limit at all.
The British Retail Consortium said consumers should check with individual stores, as it could take “days, weeks or even months” for the change to be put in place.
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Here’s everything we know so far.
Why is the limit increasing?
As mentioned, the decision to increase the limit was taken by the Treasury and the City regulator, the Financial Conduct Authority (FCA), and was announced last week, but Chancellor Rishi Sunak first teased it during his 2021 Budget back in March.
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Mr Sunak said the decision to increase the limit to £100 would not only be more convenient for shoppers, but it would also be a boost to the High Street following several lockdowns.
When contactless card payments were introduced in 2007, the transaction limit was set at £10 and designed as an alternative to small change – but the limit has been gradually raised five times over a number of years since then.
It increased to £45 last year, as the pandemic accelerated a move away from cash.
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The increase also comes after it was found that more than a quarter of all payments in the UK were contactless in 2020, according to figures from the banking trade body UK Finance, with 83% of people using the technology.
A Financial Conduct Authority spokesperson said the rules have been changed to help the industry continue “to respond to the changing ways in which people prefer to pay”.
Shoppers across the UK will now be able to pay up to £100 using contactless card payment services from today / Credit: Flickr
Why can’t it be used in all retailers just yet?
The short answer is that not every shop is ready to facilitate the new limit from today,
Due to the huge number of terminals which need to be updated, this means that Friday marks the first day of a gradual introduction of the new limit, with the Andrew Cregan – Payments Policy Adviser at the British Retail Consortium – admitting: “It may take days, weeks, or even months for some retailers to make the necessary changes in their systems so that the new limit can take effect.”
“Some retailers may [also] choose not to adopt the new contactless limit,” he added.
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“As a result, customers will need to take care when making payments to check what the maximum contactless limit is for individual stores.”
The increase also comes after it was found that more than a quarter of all payments in the UK were contactless in 2020 / Credit: Wikimedia Commons
What are the risks?
A number of experts and organisations have spoken out to make shoppers aware of the risks as the limit increases to £100, warning that the change will make contactless cards more of a target for fraudsters, or cause problems for people who are struggling to stay in control of their spending.
Age UK has also warned that because the raising of the limit could increase the potential for fraud, it may therefore put some older people off using bank cards to pay for goods and services when they’re out and about.
Because of this, several banks across the UK have said they will also allow account holders to set a contactless limit of less than £100, or even turn it off altogether.
Gareth Shaw – Head of Which? Money – added: “While paying with contactless offers great flexibility and convenience for many people, some may be wary about the significant increase – so it is encouraging to see some banks allowing customers to set their own contactless limits from as low as £30.
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“These changes may make contactless cards slightly more attractive for fraudsters, but encouragingly the risk of being defrauded via a contactless card remains low and if a fraudster does use your card details then your card provider should reimburse you.
“Consumers should be able to feel confident using them.”
Featured Image – Flickr
News
Pep Guardiola delivers important reminder about multiculturalism after Jim Ratcliffe controversy
Danny Jones
Manchester City manager Pep Guardiola has delivered an important message about the power of multiculturalism in his most recent press conference.
Guardiola’s comments come after the high-profile controversy surrounding his rival club across the city, Man United, whose co-owner, Sir Jim Ratcliffe, saw some of his recent remarks fall under major scrutiny.
In case you somehow missed it, the Failsworth-born British billionaire was heavily criticised after claiming he believes the UK has been “colonised by immigrants”.
Fast forward a couple of days, and while the club and the fan base are still dealing with the fallout of the story, Pep acknowledged the debate by reminding people that “embracing other cultures” makes for a “better society”.
Well put, Pep – in fact, we couldn’t have said it better ourselves.
Although he didn’t reference the 74-year-old directly after being probed on the subject by journalists, the Man City boss reiterated that his time spent living and working across the world has only broadened his mind and enriched his life.
That goes for both his professional and personal spheres, by the way, as the Catalan coach has often spoken of his love for English culture and the Manc people, specifically.
Speaking ahead of this weekend’s FA Cup game against local side Salford City, Pep described the attitudes towards immigrants around the world as a “big problem” despite most people simply leaving their country in search of “a better life”.
He also drew attention to the fact that he, like so many others in football – a sporting industry loved the world round by people from all walks of life and that the likes of Ratcliffe directly benefit from – is an immigrant working and contributing to not just the game but the British economy by being here.
Meanwhile, Manchester United have since shared a public statement on their club website and across social media, reiterating to fans and supporters the world over that they are an “inclusive club”.
‘We will continue to represent our people, our city and our fans with purpose and pride.’
The INEOS chairman, CEO and minority stakeholder in Manchester United Football Club, has since apologised (at least in part) for his “choice of language” following the divisive interview with Sky News.
In a world where plenty of people are quick to pessimism, negativity and turn to division almost by default, Pep’s message is one echoed by so many and is one that we should all keep in mind.
And for anyone who needs a more light-hearted bit of content on their timeline this week, here’s what else Pep said in his pre-match presser…
Pep Guardiola responding to a really intelligent question from a reporter:
‘Do you want to be my assistant coach, fucking hell, you are brilliant…’
Featured Images — Hayters TV (screenshot via YouTube)
News
Chester Zoo becomes first UK zoo to gain important international status
Danny Jones
The North West’s beloved Chester Zoo has been awarded a highly coveted global status, being named as the first international botanical garden in the entire UK.
With so many well-deserved awards, accolades and plaudits from within the world of wildlife preservation over the year, it’s no surprise.
A gem in Cheshire and the wider region’s crown, which continues to express its extreme commitment to ecological and environmental causes year in and year out, Chester Zoo is regularly ranked the best in the country and one of the top facilities in all of Europe, and now its worldwide reputation is growing too.
Taking its already sterling CV one further this year, 2026 marks the inaugural year of not only Chester Zoo existing as a recognised international botanical garden, but a big moment for Great Britain’s conservation status in general, as it’s been over 150 years since it last held the status.
Writing on social media in response to the huge honour, they wrote: “We’re officially the FIRST UK zoo recognised as a globally important botanic garden!
“We care for hundreds of rare plants, protect species at risk of extinction, and create beautiful gardens that encourage visitors to slow down and connect with nature.
“Global plant conservation organisation [Botanic Gardens Conservation International] assessed us against 22 criteria before awarding us Conservation Practitioner status – a recognition that now lets us do even more to protect native wildlife alongside our incredible conservation partners!”
Incredible stuff.
They signed off by adding that their efforts are “all made possible by YOU”, with 2025 marking an all-around groundbreaking year for the venue, as a total of 2,136,224 visitors came through the gates to surpass their previous record tally back in 2019 (2,086,785).
BGCI’s awarding of Conservation Practitioner is yet more proof of just how much work Chester Zoo does throughout the annual calendar, not least of all the incredible fundraising they do via various activations like their hugely successful charity run.
They signed off by adding that their efforts are “all made possible by YOU”, with 2025 marking an all-around groundbreaking year for the venue, as a total of 2,136,224 individuals came through the gates to surpass their previous record tally back in 2019 (2,086,785).
Speaking directly on the watershed moment, the zoo’s head of plants, Philip Esseen, said in an official press release: “This recognition shows that our plant work has real conservation value.
“We’re caring for species that are threatened with extinction in the wild, and that carries a responsibility to protect them, propagate them and share our expertise with others.
“The accreditation will help us work more closely with other horticultural and conservation organisations and increase the amount of conservation work we can do, particularly to support native species.”
Congratulations once again to Chester Zoo on such a significant achievement, and with around 10k people visiting each day – be that staff, field-expert guests or visitors – the proof is in the pudding: it really is the best in Britain doing some of the most vital work possible.
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The Manc -
15th October 2021 
