Do you use contactless payment? This allows you to make purchases without inserting your card into the payment terminal. For smaller amounts, you won’t be asked to enter your PIN. A fast and secure solution.
What is contactless payment?
All BGL BNP Paribas bank cards offer contactless payment. With these cards, you can make payments without inserting your card into the payment terminal.
In Luxembourg, you can make contactless payments for any amount. For purchases:
- of less than EUR 50*, you won’t need to enter your PIN;
- of more than EUR 50*, you’ll be asked to enter your PIN.
Increase of the contactless spending limit from EUR 25 to EUR 50
The contactless payment limit for all cards in Luxembourg was increased from EUR 25 to EUR 50 on 1 April 2020. Payment terminals are currently being updated.
What are the perks of contactless payment?
Contactless payment is an innovation solution. It makes paying:
- faster: make lightning-fast purchases;
- more practical: no need to touch the payment terminal for purchases of up to EUR 50;
- easier: you no longer need cash for small purchases.
Contactless payments are also extremely secure. You must systematically confirm any purchase over EUR 50 by entering your PIN, as you would for standard payments.
Whenever you make several small contactless purchases in a row, a secondary EUR 100 cap protects you. Above this amount, you’ll need to insert your card into the terminal and enter your PIN to confirm any subsequent transactions. This means that it is only used for small amounts.
Finally, in the event of fraudulent use of your card, you’re protected by the same guarantees that apply to standard payments.
Contactless payments also reduce the risk of fraud via “shoulder surfing”.
In these situations, the scammer looks over your shoulder to find out your PIN. With contactless, it’s impossible for nearby fraudsters to steal your PIN, as you no longer have to enter it to confirm small purchases.
How do I make a contactless payment?
To make a contactless payment, simply hold your bank card over the payment terminal. The recommended distance is 3-4 centimetres.
Once the payment is approved, the connection with the terminal is instantly interrupted.
You can use contactless payments in all shops that display the contactless logo on their payment terminals.
Good to know
This payment method is based on Near Field Communication technology (NFC). This technology is used for more than just payment cards.
It is also used for transport tickets, access cards and car keys. At some festivals, you might be given a bracelet with an NFC chip to make contactless food and drink payments.
Frequently asked questions
You’ll see the contactless symbol on the front of your card if it’s a contactless card.
All BGL BNP Paribas bank cards offer contactless payment.
You can use your contactless card in all shops that display the contactless logo.
Most of the time, you’ll find this logo on payment terminals.
You can choose how you want to pay: “contact” payment (by inserting your card into the payment terminal and entering your PIN), or “contactless” payment (with or without your PIN to authorise the payment amount displayed).
Contactless payments without entering your PIN are limited to EUR 50 per transaction, and up to EUR 100 for consecutive contactless payments. A PIN is required for payments of over EUR 50.
It is possible to take money out at an ATM using a contactless card. However, you’ll need to insert your card into the machine and enter your PIN to do so.
Yes, contactless standards are international. You can therefore use your contactless card abroad under the same conditions as in Luxembourg.
However, contactless card limits may vary depending on the country. Before heading abroad, check how contactless payments work in the country you’re visiting.
No, it’s impossible to make a contactless payment without wanting to: you initiate payment by placing your card at least 3–4 cm from the payment terminal.
Your contactless card can’t be activated from further away. What’s more, all contactless transactions generate receipts.
As soon as the contactless payment has been validated, the connection between your card and the payment terminal is automatically interrupted.
It’s therefore impossible to pay multiple times by leaving your card on the payment terminal for too long.
Yes. To avoid this, as soon as you realise your card has been lost/stolen, contact SIX Payment Services on (+352) 49 10 10 (24/7) to block your card. You’re protected as soon as your card is blocked.
Furthermore, contactless payments without entering your PIN are limited to EUR 50 per transaction, and up to EUR 100 for consecutive contactless payments. A PIN is required for payments of over EUR 50.
If you’re a victim of fraud, you’ll be protected by the same guarantees as your current card.