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.
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.
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.
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.
“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.
“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
Major Co-op Live concert cancelled with fans already inside venue
Daisy Jackson
Major Co-op Live gig Jeff Lynne’s ELO has been cancelled this evening – after fans had already entered the venue.
Jeff Lynne’s ELO were set to perform the second of two nights at the huge Manchester venue tonight, as part of their final UK tour.
The Over and Out Tour should have been taking place on both the 9 and 10 July before heading to London’s BST Hyde Park Festival on Sunday.
But the show has been cancelled minutes before the legendary band were due to take to the stage.
Fans had already taken their seats inside the massive Co-op Live Arena when the news broke that the gig would not be able to take place ‘due to illness’.
77-year-old Jeff Lynne himself, who recently broke his hand in an accident, is said to be ‘devastated’ that he is unable to perform.
Jeff Lynne’s ELO has been cancelled at Co-op Live
A statement from the band said: “Unfortunately due to illness tonight’s (Thursday 10th July 2025) scheduled performance of Jeff Lynne’s ELO at the Co-Op Live will not be going ahead.
“Jeff is devastated he cannot perform this evening.
“More information will become available as soon as possible. For refunds please go to your point of purchase.”
According to fans, audiences inside Co-op Live were told the show was cancelled with just 45 minutes to go.
One person wrote: “The concert that never was. Cancelled with 45mins to go. Get well soon Jeff Lynne.”
Literally mins after this picture was taken Jeff Lynn cancelled 😞 @JeffLynnesELO Broke his hand a few days ago and has played the best he can and well done to you ! But then decides to cancel 2nd night n Manchester very last minute ! But it’s ok just ask for a refund !!! 😡 pic.twitter.com/wv1JfWPwk5
Andy Burnham reveals plans to build underground tram and train line in Manchester by 2050
Emily Sergeant
Andy Burnham has announced some ambitious long-term plans to build an underground tram and train line in Manchester.
As Greater Manchester sets its sights on a new era of economic growth, on the way to becoming a ‘second city’ to rival any other on the planet by 2050, Mayor Andy Burnham shared the city region’s blueprint for a ‘greener, fairer future’ this week – with underground transport plans being right the heart of it.
Mr Burnham says his vision for the next decade is to create a ‘thriving’ city region where everyone can ‘live a good life’.
Andy Burnham reveals plans to build an underground tram and train line in Manchester / Credit: TfGM
But it’s public transport where it seems some of the most significant changes are set to be made before 2050 arrives.
The Mayor revealed plans for new bus routes, tramlines, and train stations to connect ‘thriving communities’ across the city region with an integrated lower-cost transport system that’ll help more people get out and access new opportunities.
Construction of a tram stop to service new homes at Victoria North will also start by 2028, it has been confirmed, while work to bring Metrolink to Stockport – which has already been announced to huge support – will begin by 2030.
Two commuter rail lines will join the Bee Network next December as well, with another six joining by 2028.
GM is growing fast.
We will expand @BeeNetwork over the next decade to meet the needs of our bigger economy.
BUT
There’s a limit to what we can do on a congested surface.
It’s why I am asking TfGM to start planning for an underground for GM around a remodelled Piccadilly. pic.twitter.com/k2ozNWw6Wj
The headline-grabbing announcement, though, has to be that Mr Burnham has also announced plans to unlock ‘transformative’ investment in transport infrastructure, so that by 2050, Manchester Piccadilly has an underground tram and train station with a high-speed rail link to Liverpool.
He’s also looking to boost regeneration of the surrounding area, effectively making it ‘the Kings Cross of the North’.
“We’re the UK’s fastest growing economy and stand on the cusp of what I believe could be our best decade since the Victorian era,” commented Mayor Andy Burnham, “and our task for the next decade is to build a platform for success for all our residents.
“Our vision is ambitious, but in my eight years as Mayor, I’ve learned that, when we pull together, there’s nothing we can’t achieve.
“There’s a long and proud tradition of collaboration in Greater Manchester. Devolution has turbocharged that and now we’re ready to deliver a new model of growth where no one is left behind.”
The Manc -
15th October 2021 
