Is it better to use Oyster or bank card?

Is it cheaper to use Oyster or contactless? As both cards use the same Pay As You Go system and are compatible with the TfL Oyster & Contactless app, the costs are comparable. As a tourist in London, it can be worth getting an Oyster Card as part of the London Pass.



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There is no price difference between the Oyster card and contactless card. What is this? Every time you travel on London's public transport, your contactless payment card is charged the same fare as your Oyster, including cap prices (the maximum amount you'll pay daily and weekly to travel throughout London).

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Any contactless payment card such as a debit card, credit card, or prepaid virtual card can be used to perform a contactless payment. The contactless payment is performed exactly the same way as with an Oyster card. Just tap the yellow card reader using a contactless card at the start and end of your journey.

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Cons: A £7 cost applies when you get a standard or visitor card. You'll need to top it up in advance of travel. You can't use an Oyster card at any station between Reading and Iver.

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A Visitor Oyster card* is one of the cheapest ways to pay for single journeys on the bus, Tube, DLR, tram, Uber Boat by Thames Clippers river bus service, London Overground, TfL Rail and most National Rail services in London.

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Supports cash: If you want to pay for your transport in London using cash, you can buy and top up an Oyster card with cash. This is normally a lot more cost effective than paying for a cash ticket, with the rare exception of a one-off single journey as you have to consider the cost of the Oyster card.

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About a quarter of contactless payments are now made using either Apple or Google Pay, a figure that is ticking up all the time. In contrast, only 5.7m of the tens of millions of Oyster cards in circulation are still active. And as for paper tickets, in the past month just 1.7% of passengers bought them.

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Pay as you go You don't have to work out the cost of your journey in advance. You can pay as you go using contactless (card or device), an Oyster card or a Visitor Oyster card. It also offers great value as pay as you go is cheaper than buying single tickets and you get daily and weekly capping.

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Oyster fares and caps are the same whether you use a standard Oyster or a Visitor Oyster, a common misconception. Visitor Oyster cards you pay an activation fee (£5 in 2023) which is non-refundable. If you buy a standard Oyster card in London or online after 4 September 2022 you now have to pay £7 for the card.

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Anyone with a contactless debit or credit card can use it to pay for travel in London. It's ideal if you don't have or want an Oyster card. Or if you run out of pay as you go credit on your Oyster card.

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Pay as you go (paying only for the journeys you make) is the easiest way to pay for travel in London. You don't have to work out the cost of your journey in advance. You can pay as you go using contactless (card or device), an Oyster card or a Visitor Oyster card.

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How many times can you use a contactless card in a day? You can use your contactless credit card as often as you would any other debit or credit card. There isn't a limit for how many times you can use a card because it's contactless.

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Pay as you go fares are cheaper than buying a paper single ticket or Day Travelcard. Your Visitor Oyster card offers daily capping. This means you can travel as much as you like in a single day and the amount you pay for your travel is limited (or capped).

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If you have £10 or less pay-as-you-go credit, you can get a refund from Tube station ticket machines. Just touch your Oyster on the yellow card reader, select 'Oyster refund' and follow the instructions. The ticket machine will dispense a refund in cash.

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What happens if my value/credit runs out? If you need to add more value/credit to your Visitor Oyster card you can simply 'top up' at one of the machines in the stations, or by going to one of the Transport for London ticket desks. Any credit you don't use can be kept on your card for use at a later date.

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Oyster used to be the go-to way of paying for travel around London, but 66 million of the blue plastic cards haven't been used in at least a year. And while they languish forgotten in drawers, bags and wallets, Transport for London (TfL) has amassed a fortune in unclaimed balances and deposits - now worth almost £400m.

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Peak fares - Monday to Friday (not on public holidays) between 06:30 and 09:30, and between 16:00 and 19:00. Off-peak fares - at all other times and if you travel from a station outside Zone 1 to a station in Zone 1 between 16:00 and 19:00, Monday to Friday.

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