Contactless payments

harolds57

Hi,

I know your pretty much the last bank with the contactless visa\debit for your customers especially seeing that it has been in use in the UK back in September 2007 .
But just wondering when can we except to see the latest mini stick-on credit card that can be attached to the back of a mobile phone? These are been launched this year in England. There running a trial at the moment, something like yourselves are doing with the Visa\Debit cards that they done back in 2007.
Do you know is this something BOI are working on?

Also any update when there will be a mobile app for online banking, again nothing new here these have been out there for ages.

Thanks.


http://www.information-age.com/channels/comms-and-networking/news/2099258/barclaycard-unveils-nfc-payments-sticker-tag.thtml

Slutmonkey57b

Why on earth would you want to stick your credit card to the back of your phone?

harolds57

well save you carring a wallet or card, everyone has there phone with them all the time. Simple one would have taught

Slutmonkey57b

So when your smartphone gets lost/stolen, the thief has your phone, all your personal information, AND your credit card. What could possibly go wrong?

harolds57

Wouldnt worrie about that, bank cover it if its stolen


"Barclaycard have however said that PayTag comes with the same 100% fraud protection as its other cards, and has promised to refund anyone who loses their card which is then used fraudulently"

Bank of Ireland: Linda

Hi harolds57,

I will check to see if there is anything in the pipeline regarding mini stick-on credit cards and I will get back to you once I have an answer.

Also regarding the apps for mobile,

Bank of Ireland: Linda wrote: »

At the moment we are working on an app for iPhone, Android and Blackberry which should be available for customers in the next 2-3 months.

I will of course let you know once we have a launch date for the apps.

As I said I will answer the part about a mini stick-on credit card once I have the answer.
Thanks
Linda

FGR

On a related note.

I have the BOI Gold Mastercard and am wondering whether this will have contactless options in the future?

Do BOI plan on making all of their credit cards contactless or will it just be the Visa Debit?

C-Shore

harolds57 wrote: »

I know your pretty much the last bank with the contactless visa\debit for your customers

What other banks have it in Ireland?

Bank of Ireland: Linda

Hi all,

Bank of Ireland is the first bank in Ireland to provide the Visa Debit contactless cards to their customers. New technologies and product developments such as the mobile banking app are very much on our radar and we will continue to keep our customers and this forum updated with any new developments.

Thanks
Linda

C-Shore

Bank of Ireland: Linda wrote: »

Bank of Ireland is the first bank in Ireland to provide the Visa Debit contactless cards to their customers.

I thought that, so that's why I asked.

Does giving BoI an opportunity to look good put me to the top of the list to get my visa debit card? Free promotion/evangelism/consumer devotion and all that jazz.

Emmo-m-

Will the mobile banking app include NFC capabilities? For instance I have a Samsung galaxy nexus with an NFC chip built in. Would I be able to use my phone for contactless payment in the near future rather than a visa debit card?

Bank of Ireland: Linda

Hi Emmo-m-

The mobile banking app will not have NFC capabilities for the moment. It may be something we will look at in the future but there are no plans yet.

Thank you for your question.

Thanks
Linda

Zimmerframe

Is there a list somewhere of retailers accepting "contactless" payments ?

seamus

Zimmerframe wrote: »

Is there a list somewhere of retailers accepting "contactless" payments ?

According to the intergoogle, AIB Merchant Services launched the first contactless terminal in the Grand Canal Theatre on 17th April. So I would imagine the number of active terminals in the country is still less than 3 figures at this stage.
The payment method isn't available in Ireland yet, so it would really only be anyone who's upgrading their terminals who would get a compatible terminal at this stage.

You would probably need to contact AIB Merchant services to get a list from them, but there are other payment providers.

Bank of Ireland: Linda

Hi Zimmerframe,

Sorry for not coming back to you sooner.

There are already 237,000 places in Europe to use your contactless Visa card with many more retailers set to accept contactless payments soon.

In the UK, contactless Visa cards are already accepted by McDonalds, Boots, WH Smith, Subway and many other retailers.

In Ireland, many stores already support contactless payments and more are joining all the time. Many of our largest chains of convenience stores have all announced the roll-out of contactless in their stores during 2012.

Thanks
Linda

Smurf666

Hey!
Got my new BOI Contactless Visa Debit card today!!!
Delighted! The sellotape was wearing thin on the ole laser card!

Just wondering if there's list of outlets in Ireland that accept it???
It say's there is in the info leaflet but having trouble finding it?

Thanks!!

Stuck Cone

Got my visa debit but dont think its contactless how can i tell?

KoolKid

There is a small logo on it. Similar to the wireless icon on your phone.

Bank of Ireland: Linda

Hi Smurf666,

We have had this question on another thread:

Bank of Ireland: Graham wrote: »

You can find information on where you can use your contactless card on Visa's own website here.

I hope this helps,
Thanks
Linda

Bank of Ireland: Linda

Hi Stuck Cone,

As KoolKid stated it will be a symbol on the front of the card. You can see the full information on Visa Debit cards here which will show what the contactless symbol looks like.

I hope this helps,
Thanks
Linda

Stuck Cone

Bank of Ireland: Linda wrote: »

Hi Stuck Cone,

As KoolKid stated it will be a symbol on the front of the card. You can see the full information on Visa Debit cards here which will show what the contactless symbol looks like.

I hope this helps,
Thanks
Linda

No wireless looking symbol im afraid how do i go about gettin one?

melekalikimaka

i do like leinster colour scheme

Bank of Ireland: Linda

Hi Stuck Cone,

Unfortunately this is due to individual circumstances. If you would like to discuss your Visa Debit card you will have to contact your branch.

Thanks
Linda

Ben D Bus

Bank of Ireland: Linda wrote: »

You can see the full information on Visa Debit cards here

BOI Visa website wrote:

Current account transaction fee applies
(Waived until 30th April 2013)

So from next May, if I buy a coffee for €2.80 I will also get hit for a €0.28 transaction charge? A 10% additional cost? Ouch! 90 transactions per quarter for a flat fee helps a little, but that's not even enough to even keep me in coffee for 3 months, never mind other small purchases.

If I make 4 small purchases per day (is that considered a lot?) then that's 360 in a quarter, which adds up to €100 in transaction fees :eek:

Less convenient, but a lot cheaper to do a few €100 ATM withdrawls and continue with cash

Contactless

Hi Ben - that's not the situation (for the moment anyway) as Bank of Ireland's schedule of fees and charges says that "Contactless transaction fees for domestic transactions and transactions in euro within the EU, Iceland, Liechtenstein and Norway will be waived up until 30th April 2013."

See: http://personalbanking.bankofireland.com/fs/doc/wysiwyg/fees-and-charges-may-2012.pdf

Ben D Bus

That's why I said "from next May"

Contactless

Fair enough, but perhaps, and hopefully, it will be extended

seamus

Contactless wrote: »

Fair enough, but perhaps, and hopefully, it will be extended

I don't really understand the rationale behind it tbh. Contactless payments have the potential to massively reduce the demand for cash flowing around the place, which in turn means the banks can start reducing the number of ATMs. Each individual ATM is no doubt quite expensive to maintain and insure, you think they'd be jumping at this chance to start removing some of the more out-of-the-way ones.

If they charge for contactless payments, people will simply continue to go to the ATM to get small cash rather than pay a fee so they can use their own money.

Nuttzz

I got a new noncontact less visa debit card. What is the reasoning for issuing two types of debit card?

Would it not be easier to give everyone a contactless card and those who want to use it can and those who dont wont?

Cork24

http://www.forbes.com/sites/andygreenberg/2012/01/30/hackers-demo-shows-how-easily-credit-cards-can-be-read-through-clothes-and-wallets/

Just something to keep in mind

Bank of Ireland: Graham

Hi Cork24,

We have another thread on contactless payments where the below information might help:

Bank of Ireland: Graham wrote: »

as required by the payment card industry, our contactless cards include the latest security features. The protection of our customers' data and card security is a primary concern to us. When developing products and services for our customers, it's at the forefront of our considerations.

We provide Verified by Visa, for example, which is a free fraud prevention service that helps guard against unauthorised use of your Visa Debit card on the Internet. It's added security to help protect against fraud by asking customers to authenticate themselves when shopping online.

Also, as mentioned previously:

Bank of Ireland: Linda wrote: »

As an extra precaution, from time to time, you may be asked to enter your PIN to complete a transaction. Once you report the card lost or stolen you will be covered by the Visa Debit card terms and conditions of use.

We'll always investigate all reported cases of fraud and review each case on an individual basis. Our cardholders will have exactly the same protection as they have for all other fraud reported transaction types, once there hasn't been a breach in the terms and conditions of use of the card.

Thanks,
Graham

Stuck Cone

Lucky for you who actually got one, the MFs wont give me one

Bank of Ireland: Graham

Hi Nuttzz,

The type of Visa Debit card you receive is account specific. If you wish to discuss your card type you can contact your branch and a staff member will be happy to help you.

Sorry I can't be of any more help,
Graham

Bank of Ireland: Graham

Hi Ben D Bus and Contactless,

I'd just like to confirm that no current account fees will be charged on contactless transactions until 30th April 2013. Personal current account fees are reviewed periodically and contactless pricing is covered by these reviews.

Thanks for your posts,
Graham

Poxyshamrock

Could you provide a list of retailers in Ireland that have contactless pay points at the moment.

Bank of Ireland: Pat

Hi Poxyshamrock,

We don't have a full list of retailers that have contactless pay points.

Bank of Ireland: Graham wrote: »

You can find information on where you can use your contactless card on Visa's own website here.

Most shops that will accept contactless payments will have the contactless symbol clearly displayed on the terminal.

I hope this helps.
Pat

jah718

So, I got my new card which does not have the contactless feature, but 3 other members of my family, who all have the same account type as me, got the contactless one. I want the contactless one, why was it not given to me and if i want one now, will I have to pay for it?

I just think it seems a little odd to give it to some but not others...:mad:

Bank of Ireland: Billy

Hi jah718,

Thanks for contacting us.

The reason you did not receive a contactless card may be account specific.
I would advise calling your branch who should be able to tell you the reason why you did not receive a contactless card.
A full list of branch contact numbers can be found here.

Thanks

Billy

jah718

As I said, they all have the same type of account as me. I just can't really understand why they would issue everyone with a new card and not roll out the new technology to everyone, but then Bank of Ireland doesn't really make sense in most things.....

Tow

Why would you want a 'contactless card'? They are not secure and can be scanned by any half decent smartphone. Plus, it is only a matter of time before our indigenous low life realise they can steal them and run around town to buy €100 of smokes/booze before they get asked for a PIN. Worse till, they might smash your face in to rob your card. Knowing full well that when your noise is broken, the last thing on your mind is contacting the bank.

Bank of Ireland: Tara

Hi jah718,

jah718 wrote: »

As I said, they all have the same type of account as me.

Just to clarify, this is not due to the account type but due to individual circumstances. If you contact a Customer Advisor in your branch they should be able to clarify further.

Thanks,
Tara

Ben D Bus

Digging up an oldish thread as this is where I originally asked the question.

I've started using contactless recently (only in M&S as I'm still struggling to find other locations that take it!)

I note the transaction fee waiver has been extended to 16th August.

Sorry if this has been flagged in a separate thread.

Bank of Ireland: Linda

Hi Ben D Bus,

We can use the contactless facility at McDonalds and some Topaz stations. There may be other merchants who also allow the facility which we are not aware of.

I hope this answers your question.

Thanks
Linda

deecom

Well it would seem Laser cards no longer work, which is great seeing as BOI did not send me a Visa Debit card. Now must wait up to a week for a new card! Not at all happy! :mad: