London Daily

Focus on the big picture.
Saturday, Mar 14, 2026

A UK bank is testing credit cards which use fingerprints to verify transactions

A UK bank is testing credit cards which use fingerprints to verify transactions

The way people bank and pay for goods and services is changing at a fast pace.
In the U.K., the last few years have seen a step change in the way people bank, with contactless payments becoming increasingly popular.

Looking ahead, as technology develops biometric cards could become more and more common.

Major U.K. bank NatWest has started a three-month trial of a biometric credit card.

The pilot, launched Monday, is in partnership with MasterCard and digital security firm Gemalto, and involves 150 customers.

If a contactless transaction is greater than £30 ($36.66), the customer’s finger print can be used to verify the transaction. If the purchase exceeds £100 the card is inserted into a card terminal, with verification again coming from a fingerprint.

At ATMs, cardholders will still need to enter a PIN. The card can also be used for buying goods online and works with current contactless and Chip and PIN devices, the bank added.

Users can register their fingerprint on the card at home. When a fingerprint has been “locked” onto the card, it can’t be altered. Biometric data doesn’t leave the card and is not shared with either the merchant or bank, according to NatWest. In addition, fingerprints are not stored in the cloud.

Earlier this year NatWest, which is a member of the RBS Group, launched a trial of biometric debit cards. Debit cards are connected to a customer’s checking account and are used to take money from ATMs and pay for goods in stores or online. Each debit card has a PIN number which is used to verify withdrawals, and where necessary, in store purchases.

In a statement Monday, Georgina Bulkeley, NatWest’s director of innovation, said the biometric debit card pilot had been successful and that the bank was now “looking to test the technology further with credit cards.”

“This is the biggest development in card technology in recent years and not having to enter a PIN not only increases security but makes it easier for our customers when paying for goods or services,” she added.

In the U.K., the last few years have seen a step change in the way people pay for things. According to U.K. Finance’s UK Payment Markets 2019 report, the number of contactless payments in 2018 hit 7.4 billion, an increase of 31% from 2017. In the years ahead, biometric cards could become increasingly common as technology develops.

“The lack of obstacles inhibiting the introduction of biometric cards — from integrated Chip and PIN machines to ATMs — suggests that if this trial is successful, biometric cards could soon become the norm, just like paying with your phone has rapidly become routine for many people in recent years,” Simon King, a partner at Octopus Ventures, said in a statement sent to CNBC via email.

Banking is one of many sectors in which biometric verification systems are starting to be deployed.

Today, some Samsung phones can be unlocked with iris scanners, while Apple’s Face ID uses facial recognition technology to secure iPhones and iPad Pros.

In aviation, the Australian airline Qantas recently wrapped up a trial of facial recognition technology at Sydney Airport. According to the company, over 4,000 people signed up to use their “face as a boarding pass,” with more than 200 flights leaving the airport with passengers who had used the technology.
Newsletter

Related Articles

0:00
0:00
Close
Middle East War Highlights Strategic Importance of Strong UK–Ireland Cooperation
Weak Growth Signals UK Economy Was Faltering Even Before Middle East Energy Shock
Marks & Spencer Tops UK Fashion Retail Rankings as Most Considered Brand
United States Launches Trade Investigation Into Allies Over Forced Labour Practices
United States Launches Trade Investigation Into Allies Over Forced Labour Practices
Russia Accuses Britain Over Storm Shadow Strike as London Reaffirms Ukraine’s Right to Self-Defence
Russia Accuses Britain Over Storm Shadow Strike as London Reaffirms Ukraine’s Right to Self-Defence
Royal Navy to Acquire Twenty Uncrewed Surface Vessels for Autonomous Warfare Testing
Russia Summons British and French Envoys After Ukrainian Storm Shadow Strike on Strategic Facility
Starmer Confirms Britain Will Maintain Sanctions on Russia Despite U.S. Policy Shift
UK Moves to Refine AI Definition in Investment Security Reform
UK Economy Stalls in January as Growth Unexpectedly Falls to Zero
Asian Energy Security Tested as Strait of Hormuz Disruption Threatens Oil Supplies
Iran Sets Three Conditions for Ending Regional War as Diplomatic Efforts Intensify
Tesla Secures Approval to Supply Electricity Directly to Homes Across Britain
Prince William Delivers Tribute to Australia’s Naval Alliance Amid Renewed Royal Spotlight on the Country
UK Foreign Secretary Travels to Saudi Arabia to Reinforce Support for Regional Allies
Putin’s ‘Hidden Hand’ May Be Assisting Iran in Conflict With Trump, UK Defence Secretary Warns
UK Sets April Deadline for Tech Platforms to Strengthen Online Protections for Children
Elon Musk Moves Into Britain’s Energy Market as Tesla Wins Licence to Supply Power
UK Watchdog Warns Fuel Retailers Against Profiteering Amid Iran War Price Surge
Report Claims Iran Used UK Charity Network to Expand Influence
United States and United Kingdom Establish Joint Standards for Counter-Drone Technology
Iran May Be Laying Naval Mines in Strait of Hormuz, UK Warns Amid Escalating Gulf Tensions
US Deploys Bunker-Buster Bombs to UK Airbase as Iran Conflict Intensifies
British Troops in Iraq Intercept Iranian Drones Targeting Coalition Base
Release of Mandelson Files Raises Tensions as UK Seeks Stable Relations With Donald Trump
UK Documents Reveal Starmer Was Warned About Mandelson’s Epstein Links Before Ambassador Appointment
Nearly Five Hundred UK Mortgage Deals Withdrawn in Two Days as Market Volatility Forces Lenders to Reprice
Three Cargo Ships Hit Near Iran as Attacks Spread to Strategic Strait of Hormuz
Why British Police Repeatedly Declined to Investigate Jeffrey Epstein’s UK Links
UK Parliament Ends Hereditary Seats in House of Lords, Closing Chapter on Centuries of Aristocratic Lawmaking
EU and UK Urge Israel to Act Against Rising West Bank Settler Violence Amid Regional Tensions
US Senator John Kennedy Says Keir Starmer Should Not Be Trusted for Military Advice Amid Iran War Debate
UK High Court Rejects Attempt to Revive Terrorism Charge Against Kneecap Rapper
Revolut Secures Full UK Banking Licence After Multi-Year Regulatory Wait
Kentucky’s Bench Boost Powers Wildcats Past LSU in SEC Tournament Opener
British Couple Die After Being Pulled From Water at Australian Beach During Family Visit
Global Energy Agency Announces Record Release of 400 Million Barrels to Stabilize Oil Markets Amid Hormuz Disruption
British Airways Suspends UK Repatriation Flights as Middle East Travel Disruption Deepens
US Forces Prepare Ordnance at RAF Fairford as Strategic Bombers Deploy for Middle East Operations
Nigel Farage Faces Criticism After Saying Britain Should Stay Out of Iran War
Landmark UK Trial Begins Over Sony’s PlayStation Store Pricing
UK High Court Rejects Bid to Challenge Britain’s Chagos Islands Agreement With Mauritius
Finnish Duo Triumphs in England’s Annual Wife-Carrying Race, Winning a Barrel of Ale
How U.S. and UK National Security Strategies Are Reshaping the Global Business Landscape
Green Party Gains Momentum as Labour Shifts Toward the Political Centre
Royal Navy Destroyer HMS Dragon Sets Sail for Eastern Mediterranean as Regional Tensions Rise
UK Homebuilder Persimmon Warns Iran Conflict Could Dent Property Buyer Confidence
Roman Abramovich Signals Legal Fight if UK Seeks to Seize Chelsea Sale Funds
×