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
Dispute over Manichester now ‘resolved’, say Mounfield family
Danny Jones
The family of the late, great Manchester musician, Gary ‘Mani’ Mounfield, have said that the drama surrounding the highly-anticipated tribute festival in his name, Manichester, has now thankfully been settled.
Now the focus can once again return to remembering him as best as possible.
Following plenty of talk about the project following his passing late last year, a live music festival honouring Mani was finally confirmed in March, and the reaction following the event’s announcement has been unsurprisingly phenomenal.
Well, at least for the most part, as there was also some confusion over whether or not Manichester was still a charitable effort as advertised, with son Gene Mounfield disputing claims online. Fortunately, it all seems to have been put to bed now.
On behalf of the boys, and as their legal guardian, I want to thank everyone for the kind messages and concern for their wellbeing. There was a misunderstanding regarding the upcoming Manichester tribute concert, but we’re pleased to share that everything has now been resolved. pic.twitter.com/j8jEMrFzsD
Being organised by Madchester.com and locally-founded fashion label, GIOGOI, the debut edition was said to have the total blessing of Mani’s family, including his brother, Greg Mounfield.
It was also said that the funds raised by the show would be going to the legendary Stone Roses and Primal Scream bassists’ twins, George and Gene, but the latter recently argued that “nothing” was going to either him or his brother and that the news was “dropped” the plans just a fortnight prior.
Gene also said that “if it was a charity gig it would be at Co-op [Live] or Heaton Park, and it would be done by SJM [Concerts]”: a Manchester-based promoters and events company.
All of this was also wrapped up in ever more paper talk and sensationalism, as some were reporting that Noel and Liam Gallagher, as well as other members of Oasis, would be surprising fans as the still yet to be revealed ‘major headliner’.
These rumours have since been quashed, as has whatever miscommunication caused the misunderstanding between the parties concerned, and we are now back to simply looking forward to seeing an already stacked lineup here in the city centre this May.
Damon Minchella of Ocean Colour Scene (a fellow bassist who also tours with Richard Ashcroft) is helping organise and will also be performing on the night itself. As for the surviving Mounfields, they went on to add in an accompanying Instagram post: “We would also like to express our gratitude to PH.
“It means a great deal to all of us that so many people loved Mani enough to give their time and energy to honour his memory in this way. We are genuinely touched by the support.
“It has been an incredibly difficult few years for the boys and for our whole family. We hope this event will bring some much‑needed joy and create new, positive memories for everyone who cared about him.
“With love and thanks – The Family”
It goes without saying that we can’t wait for this city and Greater Manchester as a whole to honour a Manc icon and are looking forward to another year celebrating the thing that never fails to bring us all together: music.
Featured Images — livepict.com (via Wikimedia Commons)/Publicity pictures (supplied)
News
Rochdale is bidding to become the UK’s first-ever Town of Culture in 2028
Emily Sergeant
Rochdale has announced its intention to bid to become UK Town of Culture 2028.
Entering into the national competition launched by the Department for Culture, Media and Sport (DCMS), following on from the success of the already-existing City of Culture award, the Greater Manchester town is hoping to be the first-ever town to claim the title.
The Town of Culture competition invites towns across the UK to showcase their cultural story and develop ambitious programmes that celebrate local heritage, creativity, and communities.
The winning town receives a £3 million grant from the Government to deliver a major year-long cultural programme in 2028 designed to boost civic pride, attract visitors, and provide everyone with the opportunity to participate in cultural activities.
Rochdale’s bid is being led by Rochdale Borough Council and Rochdale Development Agency, alongside cultural groups, education providers, and community organisations.
The bid will build on the town’s history as the birthplace of the Co-operative movement, and a centre of political reform, collective action and working-class cultural innovation.
A town of national and international significance, whose people and ideas have shaped the social, democratic and cultural life of the UK and beyond, Rochdale Council says the town’s story is ‘distinctive’ and as highly relevant today as it ever has been, and this is a driving force behind its Town of Culture 2028 bid.
Not just historically, but over recent years too, the town has made a significant contribution to the UK’s popular culture, producing internationally recognised musicians, artists, writers, and performers.
Local leaders say the bid to become the UK’s first ever Town of Culture underlines Rochdale’s ambition after just completing a ‘hugely successful’ year as Greater Manchester Town of Culture for 2025.
Rochdale is bidding to become the UK’s first-ever Town of Culture / Credit: The Manc Group | Rochdale Council
“We have a strong foundation for a bold and future focused UK Town of Culture programme and an incredible story to tell,” commented Cllr Neil Emmott, who is the Leader of Rochdale Borough Council.
“We’ll be developing a fabulous programme of new events and activities as well as amplifying our existing offer and recently transformed town hall square and centre.
“As we have already seen during our year as Greater Manchester Town of Culture, we have an established infrastructure of creative partners ready to go, who have already expressed their support for our bid, providing significant capacity and scale to deliver a UK town of culture programme in 2028 that would leave a permanent cultural legacy.
“We have exciting and varied attractions and iconic venues that have seen significant investment, an array of creative talent and we’re very well connected.
“This bid will allow us to share this in new ways and invite others to experience it.”
The Manc -
15th October 2021 
