Contactless and Transport for London (TFL)

Using your WeSwap contactless card with Transport For London (TFL) it’s really easy but, as a prepaid card, it behaves slightly differently.

When tapping your card at the beginning of your journey in the tube, we block a £0.10 pre-authorisation called ‘TFL authorisation’.

As the payment amount depends on your travel over a period of time when you first tap in TFL authorises your payment by charging you the pre-authorisation amount. This amount will be released on your WeSwap card when TFL debits the correct amount for your journey.

Please note, the TFL are increasing the number of plainclothes fare evasion operations across the entire transport network, building the pressure on fare dodgers, however TFL ticket inspectors cannot currently read your WeSwap card using their existing terminals. This is a known issue with prepaid cards. If you have any issues, please contact our support.

This means that you will need to have on your WeSwap card enough funds to cover your travel fare plus the £0.10 pre-authorisation.

Pending transactions could show on your statement for up to two weeks. The nominal amounts are not charged, they disappear when the correct daily travel charge has been settled.

When using your WeSwap contactless card on the bus instead, you will be charged for your journey only when we receive the settlement of the transaction. This means that you should see only one transaction 24-72 hours after your journey, and not the £0.10 pre-authorization charge. Also in this case, please make sure that you have enough funds to cover your bus journey before this starts.



When you use your WeSwap contactless card as pay as you go travel method, you need to touch in at the start and touch out at the end of all Tube, DLR, London Overground, TfL Rail, Thames Clippers River Bus services and National Rail journeys. If you don't, they don't know where you've travelled, so they e can't charge the right fare for your journey. This is called an 'incomplete journey' and you could be charged a maximum fare. If you don't touch in at the start of a journey, you're also liable to pay a Penalty fare or you could be prosecuted.

Remember that, if you forget to touch out with your WeSwap contactless card or any other contactless card that's not the Oyster card, you won't be able to apply for a refund if you were charged a maximum fare.


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