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
Rochdale has been named Greater Manchester’s ‘Town of Culture’ for 2025
Emily Sergeant
Rochdale has officially been named Greater Manchester’s Town of Culture for 2025.
Taking over the reins from Bolton – which held the title in 2024 – and following in the footsteps of Stockport before that, which held the title in 2023, and even hosted a massive ‘Town of Culture Weekender’ festival with 50+ free events to celebrate and bring its title year to a close, it’s now the turn of the north-eastern Greater Manchester borough of Rochdale.
Rochdale’s year will build on the town’s already-rich cultural history and international reputation as the home of the co-operative movement.
More than 35 arts organisations will be bringing together an ambitious programme of festivals, exhibitions, events, and performances throughout the year.
Unfamiliar with what the ‘Greater Manchester Town of Culture’ title is all about? It’s an accolade that’s handed out every year to different boroughs across the region.
Bury was the inaugural title-holder 2020 and held onto it in 2021 too due to the COVID pandemic, before being followed by Stalybridge in 2022, Stockport in 2023, and of course, Bolton in the year just gone.
The title celebrates Greater Manchester’s culture and heritage.
As well as getting a new title to shout about, it also sees the towns given a grant from the Greater Manchester Combined Authority (GMCA) culture fund to help develop a programme of cultural events and activities throughout the year.
Rochdale has been named Greater Manchester’s ‘Town of Culture’ for 2025 / Credit: The Manc Group | Rochdale Council
In Rochdale’s case, you can expect the ‘very best local talent’, as this year is promising to put ‘people power’ centre stage, with residents helping to plan, develop, and deliver a lineup of creative activities, alongside a number of major events.
This includes the popular free days out for families, an exciting new urban arts festival, two different food and drink festivals, a lantern parade, the Ignite Fire Festival, a Pride parade, and so much more.
You can also expect live music performances, a new people’s gallery, and even some major international collaborations that are yet to be announced.
Rochdale is taking over the reins from Bolton, which held the title in 2024 / Credit: Rochdale Council
“Rochdale is a place with a rich cultural history, so it is great to name it Greater Manchester’s town of culture as it’s town hall and town centre enter a new era,” commented Greater Manchester Mayor Andy Burnham as the borough was crowned this week.
“Rochdale submitted a fantastic bid for this which, was incredibly exciting and ambitious, while being firmly rooted in its local talent and deep history.
“We are definitely going to see the very best of what Rochdale has to offer over the next 12 months and people will come from far and wide to see it.”
Featured Image – Rochdale Council
News
The Lowry Theatre undergoes revamp following Biffa Award grant
Danny Jones
The Lowry in Salford Quays has had a bit of TLC with one of its biggest theatre spaces undergoing a pretty significant refurb this past month.
Following a well-deserved grant distributed via the Biffa Award, a multi-million-pound fund that helps to build communities and transform lives through community and environmental projects across the UK, the legendary local theatre received nearly £75k last year.
As a result, all 440 seats and various other aspects of The Lowry‘s Quays Theatre have now been renovated and refurbished.
The short story is, she looks more gorgeous than ever – see for yourself:
Being initially handed over in March 2024, The Lowry was awarded a total of £74,816 to reupholster seating in the venue’s Quays Theatre with new padding and fabric.
After almost 25 years of constant use as one of the most popular theatres in the North, the seats in the Quays Theatre were much in need of a refurb, and with work completed in December, Lowry visitors can now enjoy watching the venue’s wide range of theatre, dance, comedy and drama in comfort.
The work was actually carried out between July and December, with seats being carefully removed in batches and reupholstered off-site.
This was made possible due to the Biffa Award’s most recent ‘Cultural Facilities’ theme, which aims to improve recreation, interest and education, drawing funds from the UK government’s wider Landfill Communities Fund.
The old fabric and padding were disposed of sustainably, with lots of it being repurposed where possible to minimise waste and all the new materials used meet current guidance for safety and quality.
The Lowry’s Deputy Chief Executive and Director of Development, Gwen Oakden, said of the long overdue update:“It is so important that our audiences are able to enjoy our world-class performing arts programme in a comfortable and welcoming space.
“For many visitors to the Quays Theatre, this is their first experience of live performance – often to see a family show or as part of a school trip. We really want it to be the best experience possible, and for them to begin a lifelong relationship with Lowry.
“As a registered charity, without the generous support of this Biffa Award, for which we’re hugely grateful, we couldn’t have carried out this important work for our audiences.
As we head into our 25th Anniversary year, we are delighted to be able to welcome audiences and visitors can enjoy the beautiful and revived Quays Theatre.”
As for the Biffa side of things, Grants Manager Rachel Maidment added: “We are delighted to have supported The Lowry in refurbishing the Quays Theatre seating, ensuring audiences can continue to enjoy performances in comfort.
“Through Biffa’s Cultural Facilities theme, we fund projects that provide engaging and inspiring spaces for communities. The Lowry is a key cultural venue, and we’re proud that our funding, made possible through the government Fund, has helped enhance the experience for visitors for years to come.”
Like most Mancs, we love The Lowry, so here’s to hosting countless more theatregoers in the most comfortable seats possible for generations to come.
We’ve been to some brilliant performances around here of late.
The Manc -
15th October 2021 
