I barely notice when I pay with contactless – scrapping the limits will ruin us ...Middle East

We have moved far from that modesty. Limits to how much can be spent contactlessly in one card transaction have risen – it’s been £100 since the pandemic. The tap-and-go habit has spread from cards to phones and watches. The payments industry is now even discussing removing the ceiling on contactless card payments to bring them in line with smartphone wallets.

Cash makes you think. It has weight, texture and consequence. Hand over a tenner and you see it shrink to five pounds. Coins tinkle in your pocket until they don’t. Those tiny frictions matter. They are human speed bumps that make us check the purchase: Do I need this? Can I afford it?

square STEFANO HATFIELD

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There is an argument that apps, instant notifications and real-time banking give people the tools to manage money. To an extent, that is true. Plenty of people handle their accounts responsibly. But the surge in short-term credit, buy-now-pay-later schemes and household arrears suggests convenience can outpace prudence.

Some will call limits paternalistic; I call them modest protections. They are small brakes against human weakness, a practical buffer to prevent a tap becoming a tumble into debt. Consider also the commercial incentives. Retailers and payment firms benefit from frictionless flows. Faster checkouts are profitable. But profit and public interest are not identical. Policy should not be framed by the enthusiasm of one industry alone.

Keep the limit. Refine it if needed: improve consumer education and oversight, strengthen protections around high-risk credit, but do not hand over the financial equivalent of a blank cheque just because it is easier for tills.

If we surrender this modest safeguard, we will discover the cost later – in receipts we barely remember and bills we cannot ignore. For ordinary prudence, we need a brake on the system. Our wallets deserve better than careless convenience.

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