means you got touchless payment enabled on it, right?
The card works contactless, yes. Nowhere to put it into the machine itself.
I didnāt think any current bank debit card would not allow contactless payments. I created a new account just a couple of months ago and certainly did not have to ask for the feature to be enabled.
Now I just need to remember the next time I see an ATM of my bank to change the PIN from the unmemorisable 6-digit one that they set on it, which Iāve had to write down and didnāt have with me the last time I tried to use the card. Grrr.
Contactless payments are enabled per default for the costumerās convenience. Also for any pick pocket. Therefore it is limited usually to 80 SFr per purchase. One has to disable it extra.
You usually have to use the chip and pin payment method the first time you pay with the card in order to enable the contactless payment function.
I never said that. But you can turn it off (in your ebanking) which is what I did.
I know Iām a funny person. And I have no problem with that.
I can easily remember my pin codes of the cards I use.
Well yes, thatās standard whenever a card is issued, even just a replacement on an existing account. Same in other countries as well.
One major difference between CH and France is that here if a transaction is too high for the contactless payment the machine just asks for the PIN. In France you need to know the limit (eu50, at least on my card) and not try a contactless payment for more than that, as it will be refused and you need to start again and insert the card into the machine. Never worked out why.
I occasionally get asked in Aldi or Lidl for my pin even though Iāve used the contactless. Amount doesnāt seem to matter much; Iāve had it as low as 30+ francs when itās asked for it. I guess itās just a random check.
Yes, random check as you say. There may be a trigger based on number and value of transactions. Annoying in France, as it simply refuses the contactless payment, so it looks like your card been rejected, you then have that moment of worry while you start again and insert the card, hoping that thereās not actually a real problem. There never has been, but you canāt help but worry about it.
But if they randomly ask you for your pin, you still need to remember it. Or do you then pull out that piece of paper where you noted it on?
TBH Iāve only used the new account card a few times. The PIN is encoded in my phone. That one time I didnāt have my phone with me. Not a problem, I still have other cards. And cash, for that matter.
A six-digit code in principle is not that difficult to remember, indeed I was pleased the first time I used it that I got it right, but when you only use a number once every couple of months itās hard to make it stick.