Why do I have a £0.10 charge from Transport for London (TfL)? When you use your Starling card on public transport (like TfL) - they'll do a card check, which will show a small payment of £0.10. They'll update the amount once they work out your fare after a few days.

The TfL 0.10 charge is a £0.10 (10 pence) transaction fee applied to certain types of payments for Transport for London (TfL) services.

Here are the key details:

What it is:

• It’s a per-day charge, not per journey.
• It’s applied when you don’t use the same contactless payment card, device (like a phone or watch), or Oyster card for all your travel in a single day.
• The fee is added to ensure you always pay the correct daily or weekly fare cap (the maximum amount you’ll be charged in a day or week).

Why it exists:

The fare-capping system works by tracking all your journeys on a single payment method. If you split your travel across two different cards or devices, TfL’s system can’t combine them to calculate the correct cap. The 10p charge is a way to link those separate payment methods together for that day, so you still benefit from the cap.

When you are most likely to see it:

1. Mixing Oyster and Contactless: You make some journeys with an Oyster card and others with a contactless card/device on the same day.
2. Using Two Different Contactless Cards: You tap in with one bank card in the morning and use a different one in the evening.
3. Using Different Devices: You use your phone to pay for one trip and your smartwatch or physical card for another.

Important Example:

• Your daily cap for Zones 1-2 is £8.