Home Forums Financial & Legal Contact free payment limit increased to 50€

Viewing 26 posts - 1 through 26 (of 26 total)
  • Author
    Posts
  • #524853
    Abi K
    Participant
    • Topics: 46
    • Replies: 1180
    • Contributions: 1226
    • Super Star
    • ★★★★★★★

    Member since
    29th March 2020

    Just logged on to my bank account. As from yesterday contact free payments are allowed up to 50€.

    0
    #524859
    Marie
    Participant
    • Topics: 58
    • Replies: 775
    • Contributions: 833
    • Star
    • ★★★★★★

    Member since
    9th May 2016

    I never use ‘contactless’. To me it seems a good way to help people who like to access your money without your authorisation. I prefer to be 100% in control of my money.

    2+
    #524863
    Abi K
    Participant
    • Topics: 46
    • Replies: 1180
    • Contributions: 1226
    • Super Star
    • ★★★★★★★

    Member since
    29th March 2020

    Marie, I think you are right in referring to these payments as contactless rather my choice of contact free. I just think of them as sans contact. 

    I used to pay for shopping, petrol and most other things by cheque with the stubs filled in, and regularly deduct the total from my last printed statement which might have been a month ago, but since changing from a traditional cheque account to internet banking I pay for nearly everything on my debit card. I always agree to sans contact if asked. You still get your printed slip. I keep them on the fridge door with a note of the last balance until I see that the bank has paid, so that I know how much I have in my account after taking into account standing orders. I check my balance online 2 or 3 times a week. That way I am completely in control of my money. I was a bit uncertain when I changed, but now find that it works for me.

     

    1+
    #524870
    Bonjour
    Participant
    • Topics: 69
    • Replies: 1103
    • Contributions: 1172
    • Super Star
    • ★★★★★★★

    Member since
    14th January 2019

    I know of a case where a reader was put near the till in a fuel station and lots of people were relieved of £12.46 from their accounts.

    Although investigated the owners and staff of the garage were not prosecuted. The Police said that as it was a small sum, there would be thousands of people that either would not notice or would not queery the odd ammount

    I think that for it to be possible to charge money from your account without you signing or entering your pin, is at the very least stupid! Unscrupulous traders can always nowadays press a button on the till and charge you for an item you have not had.

    Cash is best.

     

    0
    #524876
    Abi K
    Participant
    • Topics: 46
    • Replies: 1180
    • Contributions: 1226
    • Super Star
    • ★★★★★★★

    Member since
    29th March 2020

    Cash is potentially contaminated. If I do pay by cash I try to have the exact amount, and if there is a small amount of change I tell them to keep it. I don’t want someone else’s virus. But I have only paid by cash twice during the lockdown. No contact means what it says on the can.

    Bonjour, I didn’t hear about that. Was it reported in the newspapers, or did someone tell you about it?

    Supermarkets give you the till slip and the payment slip. I check them when I get home to see if they have made a mistake. Carrefour once charged me the full price for something that had been reduced. When I told them the next time I was in they offered a cash refund or reduction on my shopping. It was over 10€.

    0
    #524896
    Marie
    Participant
    • Topics: 58
    • Replies: 775
    • Contributions: 833
    • Star
    • ★★★★★★

    Member since
    9th May 2016

    Abi K. I understand your reasoning but that isn’t the issue. If someone gets hold of your card they can have a nice spending spree! There are machine available on the internet that can read a card even if it’s in your pocket. No way would I ever consider ‘sans contact’.

     

    0
    #524899
    Jivedance
    Participant
    • Topics: 42
    • Replies: 301
    • Contributions: 343
    • Chief
    • ★★★★

    Member since
    19th March 2016

    I never ever use contactless. As has been said if you mislay your card and not realise for a while then it is open to fraud. Silly idea.

    1+
    #524901
    Fruitcake
    Participant
    • Topics: 218
    • Replies: 10806
    • Contributions: 11024
    • Mega Star
    • ★★★★★★★★

    Member since
    13th July 2018

    Abi K wrote

    Supermarkets give you the till slip and the payment slip. I check them when I get home to see if they have made a mistake.

    Be careful with that AK, I was once refused on the basis that I should have checked before I left the shop, and believe me, I argued long and hard, asked for the manager, etc, but was met with a point-blank refusal.

    I don’t quite understand the discussion about sans contact. If you’re asked if you want to pay by that method don’t you just say yes? I mean you don’t put in your pin do you? So how does not using it safeguard you against someone else that has stolen your card just saying yes? (Genuine question, I’d like to know)

    0
    #524902
    Stinky
    Participant
    • Topics: 155
    • Replies: 8405
    • Contributions: 8560
    • Mega Star
    • ★★★★★★★★

    Member since
    20th March 2016

    Find a lost card, keep buying things up to 50 euros, not having to prove any ID, not even your name or gender until it is finally stopped, then walk away with your ill gotten gains.

    0
    #524910
    Deboer
    Participant
    • Topics: 24
    • Replies: 2751
    • Contributions: 2775
    • Mega Star
    • ★★★★★★★★

    Member since
    17th February 2019

    I always use ” sans contact ” if possible , it’s basically the same as using cash .

    I suppose if you don’t want to use it , then just ask your bank not to include it in your card ?   :unsure:

    0
    #524911
    Bonjour
    Participant
    • Topics: 69
    • Replies: 1103
    • Contributions: 1172
    • Super Star
    • ★★★★★★★

    Member since
    14th January 2019

    It was in the press. The monies ended up in Bagladesh but as no action was taken, some gents of my acquaintance at the time, from the traveling comunity visited the establishment and recieved refunds for all those that were known to them who had lost money.

    0
    #524912
    Babeth
    Participant
    • Topics: 56
    • Replies: 3492
    • Contributions: 3548
    • Mega Star
    • ★★★★★★★★

    Member since
    24th December 2018

    Fruitcake, some frauders can detect your card with a machine when it is still in your wallet

    You’re somehow protected after 50€ :

    According to Article L. 133-18 of the Monetary and Financial Code, in the event of an unauthorised debit made without the confidential code, and if the cardholder still holds his card, the bank must immediately reimburse the amount debited, including any fees and charges incurred by the undue debit.

    In the event of an unauthorised payment transaction following the loss or theft of your card, you will bear the debits, before the card is blocked, up to a maximum of €50 (Article L. 133-19 of the Monetary and Financial Code).

    Translated with http://www.DeepL.com/Translator (free version)

    I’ve got it on my card and using it. There are random controls, sometimes it won’t work, you have to enter your code.

    0
    #524914
    tournesol
    Participant
    • Topics: 14
    • Replies: 2469
    • Contributions: 2483
    • Mega Star
    • ★★★★★★★★

    Member since
    13th April 2016

    I don’t use and never wanted a contactless but wasn’t allowed a card without as it is what they do now, apparently. Lose or have your card stolen and as has already been said, a person can have a mini (in my case, very mini! 🤣) spending spree no questions asked, for a while at least. I have my cards in RFID protectors so nobody with a scanner can take a quick dip as well. I’ll stick to spending cash, I know where I am and if it’s refused, I’ll save money and go without.

    2+
    #524918
    Abi K
    Participant
    • Topics: 46
    • Replies: 1180
    • Contributions: 1226
    • Super Star
    • ★★★★★★★

    Member since
    29th March 2020

    I accept that theft of the card is a potential problem, but losing your purse or wallet with enough money in it to do your weekly shopping is equally expensive. I know people who carry loads of cash. Hundreds of €€. While I am shopping my wallet is in a relatively safe place – inside pocket with zip fastened. When I get to the checkout if it is not there the alarm sounds immediately. Then I’m back to the car and home. Burglary sounds another alarm.

    0
    #524926
    Fruitcake
    Participant
    • Topics: 218
    • Replies: 10806
    • Contributions: 11024
    • Mega Star
    • ★★★★★★★★

    Member since
    13th July 2018

    Fruitcake, some frauders can detect your card with a machine when it is still in your wallet

    Yes I understand that Babeth, my point was what difference does it make whether you use sans contact or not yourself? But I now think that when someone has said they don’t use it they are meaning they don’t have it included on their card option rather than don’t physically use it? Is that correct?

    0
    #524933
    Babeth
    Participant
    • Topics: 56
    • Replies: 3492
    • Contributions: 3548
    • Mega Star
    • ★★★★★★★★

    Member since
    24th December 2018

    Sorry Fruitcake I misunderstood. Yes I think you’re correct, some people asking not to have it, or I think you can ask your bank to desactivate it, but I’m not sure

    0
    #524935
    Topcat
    Participant
    • Topics: 87
    • Replies: 938
    • Contributions: 1025
    • Super Star
    • ★★★★★★★

    Member since
    15th October 2019

    You can have the facility on your debit card,but you don,t have to use it at all if you don,t want to.It is one of these unnecessary inventions which is open to fraud,all to save the hardship of keying in your four digit pin code.

    0
    #524936
    Deboer
    Participant
    • Topics: 24
    • Replies: 2751
    • Contributions: 2775
    • Mega Star
    • ★★★★★★★★

    Member since
    17th February 2019

    You can disactivate the ” sans contact ” mode on your card by going onto your account page and opening up the card information . At least , I can . :yes: :yes:

    1+
    #524940
    Abi K
    Participant
    • Topics: 46
    • Replies: 1180
    • Contributions: 1226
    • Super Star
    • ★★★★★★★

    Member since
    29th March 2020

    Deboer, you can do that with Credit Agricole.

    I find it useful because I don’t need to touch the keypad when paying. Some shops have the keypad covered with clingfilm, but do they wipe it every time it is used. Some don’t even cover it. Life is more precious than money.

    On the question of theft, I still see bulging purses in open bags from time to time.

    0
    #524941
    Babeth
    Participant
    • Topics: 56
    • Replies: 3492
    • Contributions: 3548
    • Mega Star
    • ★★★★★★★★

    Member since
    24th December 2018

    I agree with you with the keypad. I now pay on line my shopping I’m picking up at the drive. I found the super U drive keypad very dirty, means it’s has not beed cleaned at all. A card can also been fraudely used on online shopping. Where there is money, there is theft.

    0
    #524956
    AndrewJ
    Participant
    • Topics: 7
    • Replies: 68
    • Contributions: 75
    • Adventurer
    • ★★

    Member since
    13th August 2018

    Just a couple or 3 points on “sans contact” payments:

    1) Even if your card is “sans contact ready” you can ask your card issuer to disable that functionality. Whilst it isn’t practical for them to produce 2 types of card it is a simple “on/off” switch for them as to whether or not it is enabled.

    2) “Sans contact” normally has a limit of 3 transactions per day before you are asked to enter your PIN

    3) With my own cards, I “freeze” the card after every use and “unfreeze” it just before I need to use it (simple phone app) so no card transactions can go through at any time the card is “frozen”.

    4) My own card issuer (Transferwise Borderless) sends a text message after every single transaction, in fact it normally ‘pings’ at the checkout before they’ve even printed the till receipt, so even if there ever was a rogue transaction attempted I’d know about it in seconds.

    I love sans contact for all the reasons other posters have mentioned but, like anything, it needs to be used “wisely”

    0
    #524958
    Deboer
    Participant
    • Topics: 24
    • Replies: 2751
    • Contributions: 2775
    • Mega Star
    • ★★★★★★★★

    Member since
    17th February 2019

    I’m a very ” simple ” chap , so just have one card with one bank and no smart phone , so have a very uncomplicated lifestyle . :yes: :yes:

    2+
    #524962
    John P
    Participant
    • Topics: 94
    • Replies: 2057
    • Contributions: 2151
    • Mega Star
    • ★★★★★★★★

    Member since
    5th January 2017

    You can buy a wallet or purse which is lined with a material that blocks any signal from reaching or reading your cards. You can also buy a wallet that has an inbuilt tracker in it so you can locate it if it gets lost or stolen.

    They are sold on amazon as smart wallets.

    0
    #524967
    Deboer
    Participant
    • Topics: 24
    • Replies: 2751
    • Contributions: 2775
    • Mega Star
    • ★★★★★★★★

    Member since
    17th February 2019

    Anyone that steals a wallet or purse will remove the contents and dump the rest in the closest bin , so you will find your empty wallet .

    Pickpockets are not usually interested in bank cards  just in cash , so having a wallet full of cash is the best way to get it stolen .

    A bank card can be blocked immediately  and ( in France) everything above €50 is reimbursed by your French bank after the card is stolen.

    1+
    #524997
    Fruitcake
    Participant
    • Topics: 218
    • Replies: 10806
    • Contributions: 11024
    • Mega Star
    • ★★★★★★★★

    Member since
    13th July 2018

    Deboer wrote;

    I’m a very ” simple ” chap , so just have one card with one bank and no smart phone , so have a very uncomplicated lifestyle

    Ditto Deboer (except not a chap!)

    1+
    #525010
    tournesol
    Participant
    • Topics: 14
    • Replies: 2469
    • Contributions: 2483
    • Mega Star
    • ★★★★★★★★

    Member since
    13th April 2016

    Ditto Deboer (except not a chap!)

    Double ditto!

    0
Viewing 26 posts - 1 through 26 (of 26 total)
  • You must be logged in to reply to this topic.