Contactless Payments FAQs

  • What is a contactless payment?

    A contactless payment is a faster way to pay for small purchases with your TSB debit or credit card.

    You can do this in New Zealand or overseas with any merchant or bank displaying the contactless symbol. In New Zealand, you can make contactless transactions of NZD$200 (which is a temporary increase from NZ$80 due to the COVID-19 pandemic) or less without entering a PIN. You’ll only get a receipt for contactless transactions if you ask for one. If you try to make a contactless transaction in New Zealand above the relevant limit, you’ll need to sign for it or enter a PIN in the usual way.

    Contactless payments is currently only available at participating outlets; however, you can still use your card like you usually would everywhere else.

  • How do I know if I'm able to make contactless payments on my TSB debit or credit card?

    Look for the contactless symbol logo on the front of your card. If your TSB card does not have this logo you won’t be able to use it for contactless payments. When your current card expires, we will send you a new card with contactless payment capability.

  • Is there a limit of transactions before I need to use my PIN?

    No there is no limit to the number of contactless payments a customer can make before they are required to enter their PIN. However, if you are prompted for your PIN you must enter it to complete the transaction.

  • Why isn’t a PIN required?

    To ensure that using contactless payments are as simple and convenient as cash, retailers that accept these cards do not require you to sign or enter a PIN for smaller purchases. However, for your protection, purchases made in New Zealand over NZ$200 (which is a temporary increase from NZ$80 due to the COVID-19 pandemic) require a PIN to be used.

  • How safe is it to make a contactless payment?

    Your contactless card has several layers of security and is just as safe to use as your traditional cards. All contactless payments are based on the international EMV chip standard, which provides the most advanced and widely adopted cryptographic security for payments today. Other features include the fact the card does not leave your hand, and the short-range read requirement.

  • How do I know when a payment has been made?

    You will hear a beep and “ACCEPTED” or “DECLINED” will be displayed on the reader.

  • What do I do if my contactless payment is declined or won’t work?

    If your transaction is declined or the terminal won’t read your card, try again by inserting your card to process as a chip transaction. If your card is damaged, you will need to contact your local TSB Bank for a replacement card.

  • Can I be charged twice if my card has been tapped more than once?

    It doesn’t matter how many times the card is tapped, the charge will only occur once as the transaction is driven by the checkout.

  • Can I accidentally be charged for a transaction by just walking past a terminal?

    No. Contactless readers have a short-range read and the card must be within a couple of centimetres to be read. The retailer also needs to initiate the transaction by entering the payment amount for you to approve. Each transaction must be completed or voided before another can take place.

  • What happens if my card is lost or stolen and someone else uses it?

    If your card is lost or stolen, contact TSB immediately. If any fraudulent transactions occur on your card you will have no liability to the bank. For more information refer to Visa Classic Credit Card General Information ,Visa Debit General Information or Debit Mastercard Conditions of Use.

  • What happens if I have more than one contactless card in my wallet?

    If you hold your wallet up to the reader, it may detect that you have more than one contactless card available and not complete the transaction. In this case, it is best to remove the card you wish to pay with to complete the transaction

  • Can I turn off the contactless option?

    No, contactless is a permanent feature of your card. However, you can choose to insert your card just as you always have if you don’t want to make a contactless purchase.

  • Can I change my limit for contactless transactions?

    No. This limit is determined by the terminal and not the card. However, the limits for contactless transactions without PINs can change occasionally. For example, at the start of the COVID-19 pandemic the limit was changed temporarily to NZD$200.

    Different limits may apply if you use your card to make a contactless transaction overseas. We don’t set these overseas limits.

  • Are there any fees for using contactless?

    There are typically no extra charges for using the contactless payment technology. However, in some cases the merchant may apply a surcharge.

  • Do I need to treat my contactless card in any special way?

    No, but excessive bending could result in damage to the antenna and should be avoided.

want to know more?

For more information about contactless payments visit or contact your local TSB.