But contactless via a phone can have no limit.
Adding a debit card to phone case means the upper limit is £100. Which is actually fine, and is the limit I have normally set for phone contactless. But I can instantly remove that limit via my banking app.
And the phone needs to be unlocked to make a payment.
Do if I lose my phone anyone can charge £100 to the debit card.
Yup, true.
But contactless via a phone can have no limit.
Adding a debit card to phone case means the upper limit is £100. Which is actually fine, and is the limit I have normally set for phone contactless. But I can instantly remove that limit via my banking app.
And the phone needs to be unlocked to make a payment.
Do if I lose my phone anyone can charge £100 to the debit card.
Yeah, all fair points. I do love the convenience of using my phone to pay too in fairness.