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FAQ

FAQ

How can I find out whether my card is "contactless"?

When the card is "contactless" compatible, the following pictogram  is shown on the recto of the card.

Where can I use my contactless card?

StickerYou can use your contactless card in all shops that display this logo to pay for all day-to-day small purchases up to 20 euros. Outside shops, you will find this logo on merchants’ shop fronts. You will usually also find a reminder of this logo at the payment point. During payment, this same logo is displayed on the payment terminal. Providing that your purchase is not greater than €20, it is you who decides the payment mode that you are going to use: either "contact" mode (by introducing your card into the payment terminal and entering your confidential code), or in "contactless" mode (by bringing your card within 3 or 4 cm of the screen or the dedicated target, as appropriate, to validate the payment of the amount specified).

When can I use my contactless card?

At merchants who accept it, you can use your contactless card to pay for small, day-to-day purchases, up to 20 euros. So, with your contactless card, you can pay for bread or your newspaper: no need to look for cash or find the right change. Payment is very simple: you take out your card, you place it on the payment terminal and you have paid! As for all transactions with your card, you receive a till receipt, which you can then use to reconcile the payment with your bank statement.

How does my contactless card work?

Your card’s "contactless" function uses a technology known as short wave transmission. To pay, you must bring your card within 3 to 4 cm of the payment terminal screen or the dedicated target, as appropriate, which shows the following pictogram: .

As soon as it is positioned in the correct axis and sufficiently close, your card is activated. There is no need to enter your confidential code. In less than a second, the amount that the merchant has previously entered (maximum €20) is validated. You have paid and your till receipt is output.

Can I perform a contactless transaction without being aware of it?

No, it is impossible to make a contactless payment without wanting to do so. This is because it is you who triggers the payment by bringing your card to within 3 to 4 cm of the merchant’s terminal to validate the displayed amount. Beyond this distance, your contactless card cannot be activated. You therefore remain in control of your contactless payments. Furthermore, all contactless transactions conclude with the issue of a till receipt.

Can I provoke several payments by leaving my contactless card for too long at the payment terminal?

No, there is no risk of this. As soon as the contactless payment is validated by approaching your card to within 3 or 4 cm, the connection between your card and the payment terminal is automatically and immediately interrupted. To receive a new contactless payment, the merchant must begin the procedure again by entering a new amount.

As the contactless payment does not require a confidential code, can I lend my card to someone else?

No, your contactless card remains a means of payment that is strictly personal, like any bank card. So you should never lend it to anyone, including close friends or family.

Can I only make contactless payments with my contactless card?

No, it lets you make all of the payments that you usually make. Your bank card is said to be "dual", which means that it has a dual payment mode: 

 

  • In "contactless" mode: for paying for small day-to-day purchases up to €20, by bringing your contactless card within 3 or 4 cm of the payment terminal. 
  • In "contact" mode: to pay in the conventional way, by inserting your card into the payment terminal and entering your confidential code.

In all cases, it is you who chooses the payment mode that you wish to use, either "contact" or "contactless". Your card also lets you pay remotely, by providing secured e-merchants with your card number, its expiry date and the card verification value code printed on the back.

Can I withdraw cash up to €20 from Automated Teller Machines (ATMs) with my contactless card?

In "contactless" mode, this is not possible. As you usually do when you withdraw money, you must use your card in "contact" mode, meaning by introducing it into the terminal and entering your confidential code.

Can I see what I paid in contactless mode on my bank statements?

Yes, as for all payments made with your bank card, all transactions are listed on your bank statement, which, as well as the amount, gives the date and the reference of the merchant to whom you make the payment. This is a good time to remind you that your statement should be regularly checked.

How can I be sure that the amount paid by contactless card is the amount that will be deducted from my account?

As for all payments by bank card, the amount of the purchase is specified on the payment terminal. Before paying for your purchase, whether in contact or contactless mode, make sure that you check the amount indicated on the payment terminal screen. If you choose the contactless mode, it is only after this check that you decide to move your card to within 3 or 4 cm to validate this amount and the transaction. You also have the till receipt, which also confirms the amount that you have just validated.

Is contactless payment faster?

Yes, contactless payment is faster. Not only do you not have to enter your confidential code for small day-to-day purchases up to €20, but you also save time by no longer looking for coins or notes and not having to wait for your change. This contributes to reducing waiting time at the payment tills.

Can it happen that, for amounts less than 20 euros, in contactless mode, I am still asked to insert my card into the payment terminal and enter my confidential code?

Yes, this can indeed happen in the following cases:

 

  1. In case there is a problem reading the contactless card. In this case, the card automatically switches to its "contact" function. If the problem recurs at several merchants, the aerial inserted in your card might be defective. Tell your bank about it so that they can freely renew your card. 

  2. In case the ceiling for combined purchases in contactless mode is reached. For security reasons, the usage potential in contactless mode is limited. According to the banks, this platform is an average of around 100 euros. If you reach this limit, you will then be invited to use your card in "contact" mode, to reinitialise the option to use your card in contactless mode. This security measure checks that you are indeed the authorised user of the card and limits the risk of fraudulent use of your card. 

  3. In case of security checks. Preventive security checks are carried out randomly in the CB system, even if you have not reached your limit. Again, the objective is to reduce the risk of fraudulent use of cards. So that this check on the confidential code can be performed, the terminal tells you that you must introduce your card into the payment terminal.
Can I use my contactless card for payments abroad?

Yes, the "contactless" standards used by the CB system are international. You can therefore use your card according to the same procedures as in France.

Can I request a contactless card without waiting for my card to be routinely renewed?

Yes, most banks offer this option.

What happens if I don’t want a contactless card?

Contactless cards meet very high international standards for security, which are also certified by the French administration. Contactless cards are also very convenient and quicker for all small amounts paid during day-to-day life. It therefore constitutes real progress and it would be a pity not to benefit from it. However, if you do not wish to have the facilities offered by this function, this is your choice and in this case you should simply contact your bank.

Can all cards benefit from the contactless function?

On the whole, yes, other than a few rare exceptions such as withdrawal cards.

How can I find out whether I have reached my combined payment limit in contactless mode?

If you have reached your combined payment limit in contactless mode, the payment terminal will simply tell you that you must introduce your card into the terminal and enter your confidential code to validate the amount. From then on, your card will be available again for future purchases in contactless mode.

Do I have the same guarantees with my "contactless" card as with my "contact" card?

Yes, your contactless card, like all CB bank cards, meets the same requirements and gives you the same guarantees. Thus, in case of fraud, your bank will immediately repay the stolen amounts. You are therefore even more protected than if your wallet was stolen, when the money would be definitively lost.

If my card was lost or stolen, is it possible that fraudsters could make contactless payments without the confidential code?

Yes, but the limit and the random check systems greatly limit the risks. It is not possible to make purchases of more than 20 euros in contactless mode without the confidential code, within the limit of the combined total amount of around 100 euros (the exact amount of this limit is specified by your bank in the various information notices that you receive, particularly when your card is sent). Also, the risk is limited by the fact that, at any time, a random request for the confidential code may be made. In all cases, if you are the victim of fraud, your bank will fully repay the amounts that you have not authorised.

In case my card is lost or stolen, a deductible charge of €150 is applied. Does it also apply to fraudulent transactions made in contactless mode?

Transactions carried out with the contactless function, and therefore without the confidential code, are not subject to a deductible charge. Any amounts wrongly debited are therefore fully repaid.

Are the radio waves that are used for the contactless technology dangerous for my health?

The contactless cards do not transmit any power. Like company badges or contactless transport cards, it is the terminal that the contactless card is brought towards that radiates sufficient, but not excess, power to initiate the dialogue and allow the transaction to take place. The contactless technologies used therefore strictly comply with European standards in force, which ensure no effect on the human body.

Can my contactless card be deactivated by contact with electronic or magnetic instruments such as microwave ovens or magnets?

Magnets produce a fixed electromagnetic field which could impair the magnetic strip of your card, but will not have any effect on the "contactless" part. The cards operate at a frequency of 13.56 MHz, while microwave ovens use a frequency of 2,450 MHz. Nevertheless, the insulation surrounding microwave ovens prevents the variable electromagnetic field from radiating outside, otherwise you yourself would be in danger of being… cooked! The residual radiation will therefore have no effect on you and will have no more effect on your contactless card if it is placed near the oven.

Can my contactless card be disrupted by other contactless technologies, such as my transport card or my company badge, for example?

No, contactless cards do not transmit any power and they cannot disrupt each other. It is the terminals on which they are placed that radiate just enough power, without excess, to initiate the dialogue between the card and the terminal. However, if you bring several contactless cards near to a terminal (whether or not they are bank cards), it is highly likely that it will not manage to correctly initiate the dialogue for making a payment, because the cards disrupt each other. But because it is obligatory to take your contactless card out of your wallet, it is unlikely that you would present several cards at the same time within 3 to 4 cm. And if by mischance this did happen, the terminal would detect it and ask you to present a single card.

I have heard that the personal data attached to a contactless card can be captured remotely using a simple mobile phone – is that true?

It is not technically possible to do that using a simple mobile phone. For one thing, the phone would have to be NFC compatible and equipped with a specific spyware application. With an appropriately equipped mobile, the fraudulent capturing of data would only be possible under certain conditions and would require the phone to be positioned close to the contactless card. Remember, these applications are illegal and the use of them is an offence punishable by 2 years in prison and a fine of up to 30,000 euros.

 

In addition to the risk of being discovered attempting to get very close to people in a public place, the only data fraudsters could read would be the card number and the expiry date, for example. That is less than the information that is printed clearly on the card itself!

These two pieces of information are essential because they allow the correct account to be identified for debiting at the payment terminal and also permit the validity of the card to be verified.  However, for a fraudster, these details alone will not be sufficient for the creation of counterfeit cards or to allow them to withdraw money from ATMs. The information could only be used to make purchases on external websites that do not request the security number (the last 3 digits of the number on the back of the card) or do not implement additional security checks such as reinforced authentication, for example, a single-use PIN sent via SMS.

 

Fraudsters do not favour this method of obtaining data because the chances of success are much too low. This is why there has, to date, been no record of the capturing of card information or major fraud via the contactless interface in France or in any other country where contactless payment has been in use for a long time. Fraudsters prefer to use other methods of acquiring complete data, mainly through the use of spyware and malware installed on computers without the knowledge of the user or through phishing. Today, more than 200 million contactless cards are used every day in Europe with no difficulty.

So why has the National Commission for Data Protection and Liberties (CNIL) warned about the use of contactless cards?

The CNIL is the authority tasked with ensuring the protection of personal data. The organisation wished to ensure that steps would be taken to prevent access to the names and surnames of the card holders and the transaction histories associated with the cards. As early as September 2013, contactless cards issued by CB would not allow the name of the bearer to be read; the last few generations of cards no longer allow the transaction history to be accessed.

 

Once again, allow us to remind you that to date, there has been no record of the capturing of data or major fraud via the contactless payment interface, either in France or in other countries in which contactless payment has been in use for a long time.

Why not block access to the card number and expiry date on the same principle?

Although it has been possible to block access to the names, surnames and transaction history via the contactless interface without affecting the smooth completion of the transaction, the standards that currently apply at a global level do not allow the card number and expiry date to be concealed. This information is essential for the identification of the account to be debited and for confirming the validity of the card.

 

Once again, let us remind you that to date, there has been no record of  the capturing of data or major fraud via the contactless payment interface, either in France or in other countries in which contactless payment has been in use for a long time. Fraudsters are more interested in complete sets of data for debit and credit cards rather than the restricted data that can be gleaned about contactless cards. Nonetheless, if any fraud is committed, the bearer will be reimbursed fully and will be viewed without prejudice.

Why do the CNIL and the Banque de France recommend using a protective case?

This protective case prevents any interaction between the card and the terminal and therefore makes it impossible to capture data pertaining to the card remotely. Although the protective case offers reassurance in this regard, it is not essential. To date, no case of major fraud or of the capturing of data has been confirmed in France or abroad. Fraudsters are more interested in complete sets of data related to the card than in the partial data that might be gleaned pertaining to contactless cards.

 

Furthermore, if the bearer of a contactless payment card is the victim of fraud, he or she will be reimbursed in full. By way of comparison, the bearer is better protected with a contactless card than he or she would be if his/her wallet were stolen and the money it contained taken, since in the latter case, the money would be lost without hope of recovery.

Even if there is no such thing as fraud in connection with contactless payments today, what is to say it will not develop in the future?

The fight against fraud in connection with the various means of payment is a daily battle. Technology is constantly developing and opening up new possibilities to fraudsters. Le CB Bank Cards group is very vigilant and has established a monitoring unit and warning process to protect users. In particular, the unit pays close attention to the work of the international scientific community with regard to the security of card payment systems. Card products, payment terminals, ATMs and other machines are constantly evolving to combat new threats.

How does the contactless payment application work on a mobile phone?

The “contactless” payment application on your mobile phone uses what is known as shortwave communication technology. In order to pay, you place the back of your mobile phone no more than 3 to 4 cm from the screen of the payment terminal, on which the following icon is displayed:  .

As soon as your mobile is positioned correctly and sufficiently close to the payment terminal, your payment application is activated. There are now two possible scenarios:

- For payments of €20 or less, there is no need to enter your security code: in less than one second, the amount charged by the retailer is validated. It is paid and your receipt is issued.

- For payments of over €20, your mobile payment application asks you to enter your security code on the keypad of your mobile phone. Once you have done so and the code has been validated, you should move your phone towards the payment terminal. The transaction is completed and your receipt issued.

In which cases should I enter my security code into my mobile payment application?

When using your payment application, you may be asked to enter your security code in the following cases:

 

- When completing a payment of over €20.

- When completing any transaction, regardless of the amount, if you have opted for the code to be requested for all payments, even for amounts of €20 or less.

- When you have reached the limit for cumulative transactions for amounts of €20 or less. According to the banks, this limit varies between €50 and €100. Afterwards, you can re-enter your security code to allow transactions of up to €20 to be completed without the need to enter the code.

- During a random security check, i.e. before you have reached the limit for payments without your code, the system may ask you to enter your security code.

What security measures are used to make sure the payment application on my mobile is safe?

The mobile payment application really is the equivalent of a traditional bank card, contained on your SIM card. Therefore, it benefits from all of the protective mechanisms offered by chip and pin card technology. Mobile payment applications meet the same international security standards and are certified by the French administration on the basis of the same standards as traditional bank cards.

How can I tell whether I can install a contactless payment application on my mobile phone?

Please contact your bank to check whether your mobile device is compatible with the payment application you wish to install. Certain institutions also offer an online service (on their websites or as part of their mobile applications) which will allow you to check whether or not it is possible to install this type of application on your phone.

Do I need to cancel my current contract with my mobile operator and start a new contract via my bank to be able to use a contactless payment application?

Since your mobile operator offers contactless services, it is not necessary to cancel or change your mobile contract. Your mobile operator may give you a new SIM that is compatible with contactless payments free of charge. In any case, your bank will be able to inform and assist you in verifying that your device is compatible with mobile contactless payment applications.

In order to subscribe to the mobile contactless payment service, please contact your bank, where you will be assisted with the process you need to follow.

Will I incur any additional charges on my standard mobile phone bill by using the contactless payment application?

Once you have a compatible device, no additional charges will be applied to your phone bill.  Your bank can inform you about the conditions for use of the mobile contactless payment application.

Will I incur additional Telecom charges every time I make a payment?

No – since transactions do not use the Telecom network, they do not generate additional charges.

Where can I pay using a contactless mobile phone? How can I tell which retailers accept mobile contactless payments? Are they the same as those that accept contactless card payments?

The retailers who accept mobile contactless payments are the same as those who accept payments using contactless cards. Therefore, you can use your mobile payment application in all stores and businesses in which the   logo is displayed for purchases of up to €300. The logo is displayed on the storefronts of shops that accept contactless payments. Generally, you will also see the logo displayed at the cash register. During the transaction, the same logo is displayed on the payment terminal. Provided that the value of your purchase is not over €300, you can make the payment by holding your mobile phone no more than 3 or 4 cm from the screen or the dedicated payment point as applicable to validate the amount indicated. You will be asked to enter your security code on your mobile phone for payments of over €20.

What can I pay for using a contactless mobile? Is it the same as a contactless card?

You can use your mobile contactless payment application for payments of up to 300 euros at participating businesses. The payment process is very simple for amounts of €20 and less: once the retailer has entered the amount, you simply place your mobile phone on the payment terminal and the payment is done! If the amount exceeds €20, you will need to enter your security code as default. Once you have done so, the process is the same as that for contactless cards: simply place your mobile phone on the terminal and you are done!

You will always receive a receipt allowing you to identify the transaction on your bank statement, as you do for all transactions using your card.

Why can I make payments of up to €300 with my mobile but not with my card?

Since your mobile has a keypad, you can use it to enter a security code and therefore increase security for payments of over €20. 

So why limit mobile contactless payments to €300, which is lower than the limit for a traditional card?

The mobile contactless payment solution is adapted to suit everyday spending. The maximum transaction amount is therefore fixed at €300 to reflect the majority of cases. 

Are the mobile payment limits different to those for contactless card payments?

The mobile payment application can really be seen as an additional bank card contained in your SIM card, but due to its contactless nature, if differs from a traditional card in terms of its characteristics. You should discuss the limits best suited to your needs with your bank. 

How should I position my mobile on the payment terminal? Which side should be facing the terminal?

In order to make a payment, simply hold your mobile phone no more than no more than 3 or 4 cm from the payment terminal screen or the dedicated payment point as applicable, on which the following icon will be displayed:  . You should present the “back” of your phone to the payment terminal so that you can see the instructions that appear on the screen of the phone, especially when you are requested to enter your security code for transactions of over €20.

How can I tell if I have reached the limit for payments without the security code on my mobile?

If you have reached the limit for cumulative payments that do not require you to enter your security code, your payment application will simply notify you that you need to enter your security code on your mobile phone to validate the amount of the next transaction. Your payment application will then be available for subsequent purchases without the need to enter your code for amounts of less than €20.

How can I tell if I have reached the limit for monthly payments on my mobile phone?

The maximum monthly limit for contactless payments using a mobile payment application is set by your bank. As is the case with all other bank cards, you will no longer be able to make purchases once you have reached this limit. However, you will always be able to make further purchases using your traditional bank card.

The maximum monthly limit for contactless payments using a mobile payment application is set by your bank. As is the case with all other bank cards, you will no longer be able to make purchases once you have reached this limit. However, you will always be

The mobile contactless payment application cannot be used to withdraw money. As usual, you can use your traditional bank card to withdraw cash by inserting it into the ATM and entering your PIN.

If I use a code to lock the screen of my mobile phone, do I need to enter this code in advance to make a contactless payment?

If the amount of the transaction is €20 or less, there is no need to unlock your screen. However, if the amount exceeds €20, you will need to unlock the screen to be able to enter your security code as necessary for the validation of the payment.

Can I still pay with my contactless mobile if I have no network connection or if the signal is too weak?

Making a contactless mobile payment does not require a connection to the mobile network. Therefore, you will have no problem making a payment in an area with no or partial network coverage.

Can I pay with my contactless mobile if it is switched off?

For security and ergonomics reasons (you need to enter your security code for payments of over €20), it is not possible to make contactless payments if the mobile phone is switched off. 

If I am talking on the phone, will I need to hang up to make a contactless payment?

You can talk on your mobile phone and use it to make payments at the same time. Therefore, there is no need interrupt your conversation in order to pay using your contactless payment application.

What happens if my mobile rings while I am making a payment?

You can talk on your mobile phone and use it to make payments at the same time. There will be no interruption if your phone rings, or if you receive an SMS or other notification while you are making a purchase.

Is the security code for the contactless payment application the same as the PIN for my bank card?

The mobile payment application can really be seen as an additional bank card that is contained on your SIM card. However, the characteristics of the application are different, as are the security codes associated with each. If you have the option of choosing your own security code, we strongly recommend that you choose one that is different to the PIN for your traditional card and ensure you keep it secret.

By contrast, you will be notified of your security in the same way as you would receive your PIN for your traditional card. Your bank will not change its security of confidentiality processes in this regard.

Why do I have to enter my security code on my mobile phone and not on the payment terminal as I would for a traditional card?

For ergonomic reasons, mobile contactless payment users can enter the security code directly on the keypad of the mobile phone. This is much more practical for the user, since it would not be easy to enter the security code on the payment terminal while holding a mobile phone. 

Since there is no need to enter the security code for amounts of less than €20, can I lend my contactless mobile to a third party?

No – like any other bank card, your mobile payment application is a strictly personal means of payment. Therefore, you should not lend it to anyone, even a close friend or relative.

If I get the code wrong, will my mobile be blocked after 3 failed attempts as is the case with a bank card? Whom should I contact to unblock the contactless payment function?

In the same way as a traditional bank card, your mobile payment application will be blocked after you enter your code incorrectly 3 times. You will then need to contact your bank to have your payment application unblocked.

Please note that if your mobile payment application is blocked after your security code has been entered incorrectly 3 times, this will not affect the other functionalities on your mobile phone. You can continue to use it as normal.

How can I be sure that the contactless payment has gone through correctly?

As with all bank card transactions, the sale amount is indicated on the payment terminal. Before making your purchase, you should ensure that the sum indicated on the payment terminal screen is correct. Once you have verified the amount, you can then hold your mobile phone 3 or 4 cm from the terminal to validate the amount and the transaction. After the transaction has been completed, a receipt is issued.

Could I accidentally trigger a contactless transaction by moving too close to a payment terminal?

No – it is not possible to make a contactless mobile payment unintentionally. You are the one who triggers the payment by holding your mobile phone no more than 3 to 4 cm from the retailer’s terminal to validate the amount indicated. Your mobile payment application cannot be activated beyond this distance. Therefore, you remain in charge of your contactless payments. In addition, a receipt is issued at the end of every contactless transaction.

Could I trigger multiple payments by leaving my contactless mobile on the payment terminal for too long?

No, there is no risk of this happening. As soon you have validated the contactless payment by holding your mobile phone no more than 3 or 4 cm from the terminal, the link between your phone and the payment terminal will automatically be severed. In order to make a new contactless payment, the retailer would need to restart the process by entering a new amount on the payment terminal.

How can I be sure that the amount debited from my account will be the amount indicated?

As with all bank card transactions, the amount owed is indicated on the payment terminal. Before making your purchase, please check the sum indicated on the screen of the payment terminal carefully. After doing so, you can then hold your mobile 3 or 4 cm from the terminal to validate the amount and complete the transaction. A receipt will be issued at the end of the transaction.

How will the mobile contactless payments I have made appear on my bank statement? Are they mixed in among the payments I may have made with my contactless card?

Contactless payments are identified in the same way as all other card payments on your bank statement. Your mobile contactless payments will be distinguished from those payments made using your traditional card. 

Can I pay using mobile contactless payment abroad? If so, are the conditions the same as those in France? (amounts, limits)

Yes, the “contactless” standards used by the CB system are international. Therefore, you can use your mobile contactless payment application abroad under the same conditions as in France at retailers who accept this payment method (same payment action, same signage). Before travelling abroad, please do not hesitate to contact your bank for useful information and advice.

If my mobile phone is lost or stolen, what do I need to do about my mobile contactless payment application? Whom should I inform: my bank and/or mobile operator?

If your mobile phone is lost or stolen, you should act just as you would to block a traditional bank card. You will need to contact your bank as quickly as possible in order to block the use of your mobile payment application. Your bank will be able to disable the payment application remotely. You should also contact your mobile operator to block your phone itself to prevent it from being used.

If, however, your application has been used fraudulently in the meantime, all payments of €20 or less will be refunded to your account in full. As with traditional cards, a deduction of €150 applies to amounts of over €20.

Is it possible for fraudsters to make contactless payments, especially those for which the security code is not required, in the time it takes me to block the application?

The limits and security features reduce risks to a considerable extent, since it is not possible to make payments of over 20 euros without entering the security code. In addition, there is a cumulative limit for purchases of less than €20, which restricts the possibility of completing multiple successive transactions of €20 or less without entering a security code. According to the banks, this purchase limitation is between €50 and €100 as a cumulative sum. Furthermore, it is necessary to enter the security code to make further payments without needing to enter the security code each time. 

Is a deduction of €150 applicable in the case of loss or theft?

The deduction of €150 does not apply to transactions made without entering the security code (transactions for less than €20). Therefore, sums debited unduly from your account will be reimbursed in full. This deduction only applies to amounts of over €20.

Is it possible to capture personal data linked with the contactless payment application remotely? If so, which data can be captured? If it happens, what can a fraudster do with it?

If this information has been collected, it cannot be used fraudulently in any case. In addition, personal information such as the name and surname of the person who owns the payment application is not communicated or used during the exchange between the terminal and the mobile phone as part of a transaction. Therefore, this personal information cannot be captured. Remember that the use of spyware is illegal and is an offence punishable by 2 years in prison and a fine of up to 30,000 euros. 

If my mobile phone is infected with malware or spyware, isn’t there a risk that detailed information could be accessed on my mobile payment application?

The most sensitive data is protected in the digital safe that is your SIM card. This data is also protected against malware or spyware.

If I change mobile phone, what will happen to my contactless payment application?

If you change mobile phone, you need simply ensure that your new phone is compatible with contactless payment (NFC) and restore the payment application using the procedure outlined by the bank.

If I lose my contactless mobile phone or it is stolen, can I recover my contactless payment application?

In the case of the loss or theft of a mobile phone, the process is similar to that for a traditional card. You must simply report the loss or theft to your mobile operator and your bank to block your payment application. Then, you will need to select a mobile phone that is compatible with contactless payments and apply for a new payment application at your bank.

Could the contactless payment function disrupt other functions on my mobile phone?

No – the payment application does not give rise to any interaction with the other applications installed on the mobile.

Does the contactless payment function generate any additional energy waves? Could it affect my health?

Contactless payment applications do not emit energy of any kind. Just like company ID badges, travel cards or contactless bank cards, it is the terminal with which the application interacts that provides sufficient radiant energy (rather than excessive energy) to initiate the interaction and allow the transaction to take place. The contactless technology used conforms strictly to the applicable European standards, which guarantee that the technology in question will not have any adverse effects on the human body.

In addition, the Telecom network is not used during the completion of a mobile contactless payment transaction.

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