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
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Body of woman found in River Mersey last year finally identified after ‘extensive’ investigation
Emily Sergeant
The body of woman who was found in the River Mersey last year has finally been identified.
Following what has been described as an ‘extensive investigation’ by Greater Manchester Police‘s (GMP) Major Incident Team to determine the identity of the body, which was sadly discovered in the river adjacent to Chorlton Water Park on 21 March 2024, the family of the victim has now been informed and supported by specialist officers.
The victim has been formally named as 38-year-old Laura Stanley, who was originally from Derbyshire but was living in Stockport.
After the body was discovered, and ‘exhaustive and determined’ investigation by GMP officers began to identify here, including detailed checks of both national and international databases.
The Major Incident Team (MIT) also closely worked in collaboration with specialist forensic service providers to create an anthropological profile, which eventually culminated in the creation of a facial reconstruction image.
Following several media appeals, a relative of Laura contacted officers and then a DNA match was confirmed through a familial link.
“Laura was a kind and gentle person with a great sense of fun and adventure,” Laura’s family said in a heartbreaking tribute to her.
“She was generous, thoughtful, caring and always keen to volunteer within the community. Laura was a proud and loving mum and she will be greatly missed by her girls and all of her friends and family who loved her dearly.”
The River Mersey, across from Chorlton Water Park, where Laura’s body was discovered / Credit: Wikimedia Commons
While Laura has now been identified, police say further investigations will take place to understand her last movements, the events that led to her death, and her discovery in the river.
Additionally, as is standard practice, GMP’s Professional Standards Directorate is also reviewing a previous missing report relating to Laura in the time before the discovery of her body, which will determine prior contact relating to Laura, and whether the appropriate measures were enacted.
#UPDATE | A woman who was discovered in the River Mersey last year has been identified following an extensive investigation by officers in GMP’s Major Incident Team.
Thank you to those of you who have shared our appeals over the last year.
Anyone who knew Laura and thinks they may be able to assist with the investigation is asked to contact police by calling 101, or by using the Live Chat Service at gmp.police.uk, quoting log number 1191 of 21 March 2024.
Alternatively, you can contact the Major Incident Team Syndicate 3 directly on 0161 856 9479, or the independent charity Crimestoppers anonymously on 0800 555 111.
It is currently believed that Laura was last seen around January 2024.
Featured Image – GMP
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More than 70,000 home buyers set to pay thousands after missing stamp duty relief deadline
Emily Sergeant
More than 70,000 home buyers across England are estimated to have missed the stamp duty relief deadline.
This sadly means they’ll be required to fork out thousands of pounds extra.
In case you hadn’t heard, up until yesterday (31 March 2025), anyone who was moving and had bought a home in the past was not required to pay Stamp Duty Land Tax, better-known as just stamp duty, on the portion of the property price up to £250,000.
But from today (1 April), this threshold has now fallen back to £125,000, which unfortunately means that property purchasers are facing an extra £2,500 in moving costs, on average.
While the end of the stamp duty relief will mostly affect those Greater Manchester buyers who had already previously purchased properties, first time buyers are sadly not exempt from the deadline changes too, as their current stamp duty threshold of £425,000 has now fallen back to £300,000 as of today.
Person holding the keys to a new house in their hand / Credit: Maria Ziegler (via Unsplash)
Given that the average property price for a first time buyer-type home is currently around £227,965, according to Rightmove, the new £300,000 threshold may hit those purchasing properties in more expensive areas – particularly the South East.
A third of those estimated 70,000 home buyers who have missed the deadline are thought to be first time buyers.
Leading property platform Rightmove published an analysis in February into just how much of an impact the end of the stamp duty relief would have on home buyers, all while calling on the UK Government to announce a short extension to the deadline to help people in the middle of the property purchasing process avoid potentially thousands of pounds in extra moving costs.
But despite these calls from industry leaders, there was no extension to the deadline announced in the last week’s latest Spring Statement.
“It’s extremely disappointing that the Government has not used the Spring Statement as an opportunity to extend the impending stamp duty deadline for those currently going through the home-moving process,” commented Rightmove’s property expert Colleen Babcock.
“We estimate over 70,000 people are going to miss the deadline and complete in April instead, and a third of those are first time buyers.”
The Manc -
15th October 2021 
