Passes are everywhere. Think of your debit card and the hundreds of other cards for shops and services. They are already practical to use, but it can always be more convenient and safer.
The debit card is the most used card that you usually carry with you. He now largely replaces cash. No more hassle with notes, coins and change. The debit card is easy to use: you only need to remember your PIN code. And even that is no longer necessary with a version of the RFID chip.
RFID stands for radio-frequency identification: identification with radio waves. Such a chip uses those radio waves to transmit information. This information can be received and read remotely. RFID chips are known for chipping pets with a registration number that refers to the owner. Passports nowadays also have an RFID chip with information about the owner.
A special variant of RFID is NFC: near field communication. This chip can send and receive information. That is why it is used in, among other things, debit cards for contactless payments. With contactless payment, all you need to do is hold your card close to a suitable payment device in a store. The amount is then automatically debited from your bank account without having to enter a PIN code. At least if you settle an amount of up to 25 euros. Above that, you must enter a PIN code. Your PIN is also required if you make contactless payments for more than 50 euros in a row. A card and payment device suitable for contactless payment can be recognized by the contactless payment logo:
When paying without a PIN code, the thought quickly arises: is that safe? The answer is yes and no. The payment itself is safe. But because the NFC chip works contactless, a malicious person close by with the right equipment could possibly read and misuse the data on the chip.
To prevent that, there are special RFID and NFC protective covers for sale for a few euros. If your debit card is in the case, unwanted reading of the chip is blocked. Only when you take out your debit card to pay can the chip be read. There are also wallets with a separate, protected compartment for storing cards with an RFID or NFC chip. With a cover you not only protect your debit card but also, for example, your OV chip card.
Pay with your smartphone
Do you find it inconvenient that you have to take out your debit card every time to pay? Then contactless payment with your smartphone might be an option. Especially since most people have their smartphone at hand sooner and more easily than their debit card. One condition is that your smartphone has a suitable NFC chip. This concerns certain Android smartphones with an Android KitKat version of 4.4 and higher.
Contactless payment with a smartphone works almost the same as with a debit card. You only have to touch the payment device with your smartphone.
To be able to pay contactless with your smartphone, use the corresponding app from your bank. For example for ING >> Visit your bank’s website and search for contactless payment for more information.
A debit card is not the only card you use today. On the contrary: almost every retail chain today has its own card, which you can use to get discounts on all kinds of products. Only few people are waiting for a whole stack of cards to be carried along.
Fortunately, this can be made a lot easier by saving those cards on your smartphone with a special app. That works simply. At home, you photograph the barcode side of the cards one by one with your smartphone. The app neatly stores the information in the barcode under the name of the store or service.
If you are then at the cash register at a store, you simply have the card details scanned or shown on your smartphone.
A good example of a loyalty card app is the free Stocard:
Editor Thijs Joosten previously tested for Plus Online what it is like to pay without cash for a month and only use a debit card. He kept a diary. You can read his experiences here.