Contactless Visa Debit Card Frequently Asked Questions


General

Limits

Using your Card

Card Activation

Security

General

What is Contactless?

Contactless is a quick, easy and secure way to pay for items using your permanent tsb Visa Debit Card. Just hold your Visa Debit Card against the card reader – it only takes a second as you don’t need to input your PIN.

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What is the benefit of using Contactless?

The benefit of using Contactless is that it is much quicker to pay for items under €30 as you simply Touch & Pay. You don’t need to dip/enter/place your card into a terminal or input your PIN number.

  • Convenience for you

    You can use your Contactless Visa Debit Card to make purchases online, over the phone and in stores.
  • Added security for your shopping

    You can shop securely online with your Contactless Visa Debit Card. Your new card includes a CVV2 number. This is the last three digits that appear on the back of your card just above the signature panel. You will be asked to quote this number when paying for goods and services over the phone or online.

    Your card can also be registered to use the Verified by Visa service. This offers additional protection when making online purchases at participating retailers. See further details under the Security section below.

  • Added protection for your money

    If you’ve paid for goods with your Contactless Visa Debit Card and they show up damaged or worse still, not at all, then we may be able to help you recover your money in the event that you have not received a satisfactory resolution from the retailer.

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What will a Contactless transaction look like on my statement?

Contactless transactions will appear similar to other transactions with a prefix of CNC e.g. CNC Shop Name 05/03 €11.43.

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When will a Contactless transaction appear on my account?

Contactless transactions appear immediately in your pending transactions on Open24 Online and Phone Banking.

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My child has received a Contactless Visa Debit Card – can they use this card to go overdrawn on their account?

This card will operate in the same way as a Visa Debit Card just with the added functionality of Contactless. Children’s accounts (over 12 years of age) cannot go overdrawn. If there are insufficient funds in the account, the transaction will be declined.

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Does stamp duty apply to my Contactless Visa Debit Card?

If you only use your Contactless Visa Debit Card within the year for making purchases with your card i.e POS (point of sale) or Contactless, you will not pay stamp duty. However, stamp duty will apply in the following circumstances:

  • If you use your Contactless Visa Debit Card for ATM cash withdrawals only you will pay 12c per ATM withdrawal capped at €2.50 per annum.
  • If you use your Contactless Visa Debit Card for making purchases and ATM cash withdrawals you will pay 12c per ATM withdrawal capped at €5.00 per annum.

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Limits

What are the daily limits on my card?

What are the daily limits on my card?

The daily limits on the Visa Debit Card are:
Cash withdrawal - €700 per day.
Debit Card Transaction - In line with your daily limit, individual transactions can be made up to €2,500.
Cashback - €100 per Debit Card Transaction (max of €300 within a 24 hour period).
Contactless - You can pay for items up to €30 using Contactless. Occasionally you will have to enter your PIN to carry out another transaction as an additional security measure.

Please refer to the Terms & Conditions for further details.

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Can I set limits for my card online?

You can contact us to agree spending limits for using your Card online. These are subject to your daily transactions limits, your credit limit and sufficient cleared and available funds in your account. Our contact details are 1890 500 121.

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Do Contactless transactions count towards your daily limit of 20 Point of Sale transactions or is there a separate daily limit for the number of contactless transactions? If so, what is the limit?

Yes they do and your daily limits will remain the same. You will have the option to pay through Contactless up to a maximum of €30 per transaction within the existing limits. (Please note that the €30 Contactless limit is a limit set by Visa in Ireland).  

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Using your Card

Where can I use my Contactless Visa Debit Card?

You can use Contactless wherever you see the Contactless symbol in shops and restaurants.

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Can I use my Contactless card outside the Republic of Ireland?

Yes, Contactless can be used outside the Republic of Ireland where the Contactless symbol is displayed.

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Will my new Contactless Visa Debit Card operate in the same way as my existing card?

Yes, your new card will operate in the same way as previously but with the added benefit of being able to use the Contactless functionality.

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Can I get Cashback with my Contactless Visa Debit Card?

No, unfortunately cashback is not available for Contactless transactions. You can continue to request cashback subject to daily limits from participating retailers for POS (point of sale) transactions.

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I only use my card at ATMs - I’m not interested in using it for shopping.

That’s okay. If you change your mind and want to use it for shopping in the future, you’ll be able to avail of Contactless functionality.

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Are there additional fees on the new Contactless Visa Debit Card?

Using Contactless to pay for purchases will be treated the same as POS (point of sale), there is no additional fee.

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Do you have to use contactless for transactions below €30 or can you choose to use Chip and PIN?

No, you don’t have to use Contactless, you can choose to pay using Chip & PIN.

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Can I use my card for Contactless transactions if my PIN is blocked?

Yes. In the event that your card is blocked, you can still use Contactless. Simply touch and pay for items that cost up €30 . Occasionally you will have to enter your PIN as an additional security measure.

For more information on unblocking your PIN, please visit our Visa Debit Card Maintenance page.

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Does my Visa Debit Card have a cheque guarantee facility?

No, a cheque guarantee facility is not available on your Visa Debit Card.

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Can I issue cheques on my account?

Yes, you can issue cheques on your account. However, these cheques can't be used in conjunction with a cheque guarantee number by a retailer to guarantee payment as your Visa Debit Card doesn't offer a cheque guarantee facility.

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Card Activation

How do I activate my Contactless Visa Debit Card?

It’s easy to activate your Contactless Visa Debit Card. Just do any one of the following:

1. You can activate your card online at www.open24.ie 
2. By making a cash withdrawal at any ATM worldwide

Contactless will be available once you perform a chip and pin transaction at an ATM or a retailer.

If you need any help you can call our team on 0818 50 24 24 (+ 353 1 212 4101 from abroad)

Please note: If this card is a replacement for either an expired card or a card you have reported as damaged, your old card will stop working within 60 days of this new card being issued to you or when you activate your new card.

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Can I activate my card at any ATM in the Republic of Ireland or just those at a branch?

You can activate your Contactless Visa Debit card by making a cash withdrawal at any ATM worldwide.

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What happens once I activate my card?

Once the card is activated, complete a chip and pin transaction at an ATM or retailer and then contactless will be available. You will be able to start tapping wherever you see the Contactless symbol for items up to €30.

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What if I don’t activate my Contactless Visa Debit Card?

Your old debit card will expire 60 days after your new Contactless card is issued. If you don’t activate your new Contactless card within this time frame, your old debit card will expire and you’ll no longer be able to use the card to pay for purchases or withdraw cash from ATMs.

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What happens if I’m abroad for a period of time and I can’t activate my card?

That’s okay. You can activate it once you return home (as long as it’s within 2 months) just check the date that your existing card does not expire during this time.

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Security

What is 'Verified by Visa'? How will it help me?

Permanent tsb use Verified by Visa / Visa Secure. When shopping online with participating merchants you will no longer need to enter a password for every transaction. All you need to do is ensure that your mobile number registered with permanent tsb is up to date, as we may send you a One Time Passcode to complete some online transactions with participating merchants. 

Contact Open24 on 0818 50 24 24 or + 353 2124101 to update your mobile number.

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What is a CVV2 Number?

This is the 3 digit number on the back of your card along the signature panel. This acts as an extra security feature which you’ll be asked for when you shop online or over the phone.

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What extra protection does Visa Debit offer me?

If you make purchases with your Visa Debit Card and they show up damaged or not at all, then we may be able to help you recover your money in the event that you have not received a satisfactory resolution from the retailer.

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I’m concerned that my card can be used without entering a PIN.

Even though the Contactless Visa Debit Card lets you pay for items up to €30 without entering a PIN, you can rest assured that your money is protected.

Contactless Visa Debit cards are just as secure as traditional Chip and PIN payments. The cards use the same secure technology as any other Visa Chip and PIN card and include the latest security features set by the payment card industry.

Occasionally, you’ll also be asked to enter your PIN for what would normally be a Contactless transaction, just for added security. And, if your card is ever lost or stolen, you’ll still be covered by permanent tsb’s Visa Debit Card terms and conditions of use.

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Am I liable for any fraudulent Contactless transactions made if my card is swiped?

Your liability for fraudulent transactions is not affected by this new card. You should always keep your card safe and report any lost or stolen cards to us immediately.

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