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
Salford man jailed after pointing loaded gun at police and members of public while on the run
Emily Sergeant
A man from Salford has been jailed for more than a decade after he pointed a loaded gun at police officers and members of the public while he was on the run.
Jay Conway, of Leicester Walk in Salford, appeared at Manchester Crown Court last week (6 March 2026) where he pleaded guilty to possession of a firearm, possession of a firearm without a licence, possession of a firearm with intent to endanger life, and assault of an emergency worker, as well as also pleading guilty to possession with intent to supply class A and class B drugs.
His sentencing comes after officers from Greater Manchester Police‘s (GMP) Salford Challenger team were patrolling Albert Park in plain clothes on Tuesday 20 May 2025.
They spotted a man riding an e-bike and wearing a balaclava, and attempted to detain him there and then, but despite their best efforts, he fled the area, brandishing what officers believed to be a pistol in the process.
The suspect – which was later identified as Conway – stole a bike and cycled on to Great Clowes Street, where a neighbourhood officer heading towards the incident attempted to detain him but he resisted. The officer deployed his Taser but he drew the pistol for a second time, pointing it at police and also at a member of the public.
Conway then dropped the firearm – which police later confirmed as a viable, loaded pistol – and a mobile phone, and fled for a second time.
Thanks to a ‘fast-paced and thorough’ investigation by specialist GMP teams, involving forensic analysis of the phone and CCTV which identified Conway as the suspect, he was arrested by armed officers the following day in Whalley Range.
“Nobody – a police officer or a member of the public – should be confronted by a gun,” said Detective Superintendent Simon Moyles, following Conway’s sentencing.
“These were frightening incidents and Conway is clearly a dangerous individual who is rightly serving a prison sentence. We need to commend and recognise our officers who showed immense bravery in trying to stop Conway.
“Guns have no place on our streets and the work we are doing in Salford, and across Greater Manchester, in relation to firearms incidents continues.
“If you know anyone who is using, or possesses, an illegal firearm, we urge you to get in touch with us as, for each firearm we recover, that’s potentially a life saved.”
Featured Image – GMP
News
Nearly 300 new ‘social rent’ homes given go-ahead as part of £500m Wythenshawe regeneration
Emily Sergeant
Nearly 300 new homes are set to be built in Wythenshawe as part of a wider £500 million regeneration scheme.
In case you didn’t know, Placemaker Muse and Wythenshawe Community Housing Group submitted three separate planning applications for 422 new affordable homes back in December 2025, following a public consultation with locals.
Now, works on two of the three new communities can begin, with the third expected to get the green light in the coming weeks.
Brotherton House – which is a former office building – will be transformed into 216 new homes, including an extra care apartment building with 109 homes for people in later life and those living with dementia, while C2 The Birtles, also currently retail and office space, is situated next to the former market square and will be replaced with 81 one and two-bedroom apartments.
Alpha House, which is currently awaiting a planning decision, has now been demolished and will be rebuilt to provide 125 one and two-bedroom apartments – including 16 wheelchair accessible homes.
According to developers, all the homes will be ‘affordable, high-quality, and energy-efficient’, with additional outdoor and communal spaces to promote health and wellbeing.
The approval given to build these new homes forms part of the wider ‘ambitious’ plan to transform Wythenshawe over the next decade.
The wider masterplan for Wythenshawe will see up to 2,000 new homes created over the next 10 to 15 years, which will complement the wider investment currently underway in Civic – supported by £20 million of Government funding, and £11.9 million from Manchester City Council.
Nearly 300 new homes have been given the go-ahead as part of a £500m Wythenshawe regeneration scheme / Credit: Muse (Supplied)
New community facilities in the town include the Culture Hub – which is now underway – the Food Hall, currently awaiting a planning decision, new workspaces, and improvements to the outdoor spaces in Civic, all designed to create a ‘greener and more welcoming’ town centre.
“For us, this is about delivering the truly affordable homes local people have told us they need,” explained Andrea Lowman, who is the Executive Director of Development at Wythenshawe Community Housing Group.
“Every one of these homes will be for social rent, giving more families, older residents and people with additional needs the opportunity to live well in the heart of Wythenshawe.
“As the local social housing provider, we are focused not just on building new homes but on creating sustainable communities and making sure this investment strengthens the town centre for existing and future residents alike.”
The Manc -
15th October 2021 
