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
Manchester Remembers Foundation announces its return for a special anniversary charity match
Danny Jones
The Manchester Remembers Foundation has announced the return of its charity football game in 2027, which will coincide with a special anniversary close to all Mancunians.
For those unaware, the MCR Remembers charity matches were set up in memory of the Manchester Arena victims, helping raise funds for the families of the 22 who sadly died in the attack.
While the fifth iteration of what started out as an annual vision, set for this past summer, was sadly cancelled back in May and the Foundation itself seemingly shut down, the co-founders have decided they’re not ready for it all to end just yet.
Somewhat quietly confirming the return of the fundraising footy match on social media, the next fixture will be returning next year, which marks a full decade since the tragedy.
Folks, having time to reflect we’ve decided that we just couldn’t go out like we did. No matter how difficult things get we have to keep going.
We are planning a spectacular return for the 10th anniversary in 2027. Plans and talks to begin shortly pic.twitter.com/ZRTmAJalov
— The McrRemembers Foundation™️⚽️🐝 (@McrRemembers) October 2, 2025
Writing a slightly lengthier statement on Instagram, MCR Remembers creators Aaron Lee and Paul Corrigan said: “No matter how difficult things get and how little support we get from people in positions to help, we have to keep going.
“We take inspiration from the brave and courageous people who were so closely involved with the arena attack. We will continue to remember those affected and celebrate their legacy.
“We are planning a spectacular return for the 10th anniversary in 2027. Plans and talks to begin shortly We will reassess after that event. As always, thank you to those that stuck by us. We see you, and we appreciate every single one of you. Stay tuned. Aaron / Paul.”
Lee – a local and a former police officer on 22 May 2017 – set up the organisation with his friend and fellow fundraiser (10 marathons in 10 months) with the aim of not only honouring those lost but also to help raise vital funds for their families and native bereavement charities.
They’re two incredibly inspiring individuals who have done a lot to help those in and around Greater Manchester, as well as keep that date in our heads and hearts.
Although information is still scarce in these early stages, The MCR Remembers Foundation has assured that details regarding exactly when and where the game is set to take place will be shared over the coming week and months.
It goes without saying that we here at The Manc are glad to see the moving charity match being confirmed for a comeback, even if it’s only for a one-off, and can’t wait to see which ex-pros and celebrity players get involved.
Then again, who knows? A successful return could signal the start of a fully-fledged revival, and we sincerely hope it does.
Watch this space and see you next year for the anniversary edition of Manchester Remembers 2027.
Manchester given extra £3m funding to help ‘prevent’ homelessness and rough sleeping
Emily Sergeant
Manchester has been handed a £3 million funding boost to help ‘prevent’ homelessness and rough sleeping across the city.
The ‘substantial’ extra funding, which was announced by the Government last week on World Homelessness Day (10 October), will be a top-up to Manchester City Council’s existing homelessness funding up until 2027 in recognition of the continuing pressures that Manchester and other UK areas are currently under.
The Council says it’s already begun to set out plans for how the extra money will be spent to make sure it has the ‘maximum impact’.
At this time, it’s expected that around £550,000 of the funding will be awarded by the Council as grants to organisations in the city’s Voluntary, Community and Faith Sector – which are supporting people who are homeless, or are at risk of homelessness.
Manchester has been given an extra £3m funding to help ‘prevent’ homelessness and rough sleeping / Credit: Gary Knight (via Flickr)
Other funding will be used to ‘bolster support’ to help people in temporary accommodation move on to settled homes.
The funding will also be used to adapt temporary accommodation for people with physical disabilities and other needs, which will meet the demand for such housing, while 180 ‘care leavers’ who would otherwise be at risk of homelessness will also be housed in shared rented homes.
Finally, part of the funding will be used to help ensure social housing in the city is available to those who need it most – including a major crackdown on tenancy fraud, back efforts to bring empty homes back into use, and help people whose existing social housing is too large for their needs to ‘right size’, freeing up larger homes for families.
Today is World Homelessness Day.
Support is available from Citizens Advice for those who've experienced or are at risk of homelessness, hear from Councillor Joanna Midgley and Jess about this help.
“Tackling the homelessness crisis is one of Manchester’s biggest priorities and, working with our community partners across the city, we are turning the tide,” commented Cllr Bev Craig, who is the Leader of Manchester City Council.
“In Manchester, we are working tirelessly to prevent people from becoming homeless in the first place through early help, and to ensure anyone who does become homeless gets the support they need to build new lives in settled homes.
“We welcome today’s extra funding boost from Government which, nationally, adds an extra £84 million to the billion that was committed earlier in the year.”
The Manc -
15th October 2021 
