Wells Fargo Contactless Cards

A new way to pay. Just tap here.

Speed through checkout with a tap.

A contactless card is a credit or debit card with a chip and near field communication (NFC) technology, which enables close-range payments.

Here's how it works

Step 1

This indicator on your card means you can tap to pay anywhere you see the Contactless Symbol.

Step 2

Look for the Contactless Symbol at checkout.

Step 3

Tap or hold your contactless card near the Contactless Symbol on the checkout terminal.

If a contactless terminal isn’t available, just insert or swipe your card.

Features and benefits

Protection

Whether you tap, insert, or use the magnetic stripe for your transactions, your card comes with 24/7 fraud monitoring and Zero Liability protection. With Zero Liability protection, you won’t be held responsible for unauthorized card transactions, as long as you report them promptly.

Simple to use

Just tap to pay—it’s even easier than swiping or inserting your card.

Everyday purchases

Tap to pay to help speed up your checkout at fast food restaurants, pharmacies, grocery stores, and more.

Wells Fargo started issuing consumer credit cards with the contactless technology in March, 2019.

  • New credit cards customers will automatically receive a contactless card.
  • Existing credit cards customers will receive a contactless card upon reissue.
  • To request a contactless card now, call the number on the back of your card and ask for a replacement card.

Contactless Business credit cards are not available at this time. More information to come later this year.

Don’t have a Wells Fargo card? Apply for a personal credit card or a business credit card today!

See the FAQs to learn more about contactless credit cards.

During mid-2019, Wells Fargo will offer consumer debit cards with contactless technology in 10 states. The contactless feature will be available in the remaining states served by Wells Fargo by early Fall.

Once the feature is introduced in a state:

  • New consumer debit card customers will receive a contactless card.
  • Customers with a consumer debit card will receive a contactless card if they have a need to replace their card or it is reissued.
    • You can request a contactless consumer debit card by visiting your local Wells Fargo branch, or by calling the number on the back of your current card.

The contactless feature will be available for other types of Wells Fargo Debit and Prepaid Cards at a later date.

See the FAQs to learn more about contactless debit cards.

About contactless cards

What is a contactless card?

A contactless card is a credit or debit card with a chip and near field communication (NFC) technology, which enables close-range payments. When you tap or hold your card near the Contactless Symbol on a merchant terminal, you can securely make a payment. Contactless cards also come with a chip and magnetic stripe, so you can insert your card or use the magnetic stripe if a terminal is not yet contactless- (or chip-) enabled.

How can I tell if my card has the contactless feature?

A contactless card will have the Contactless Indicator printed on it.

What is the Contactless Indicator and the Contactless Symbol?

The Contactless Indicator is displayed on a debit or credit card when the card has been enabled to make contactless transactions. A contactless card has a chip and near field communication (NFC) technology, so it can be used for secure close-range payments at terminals enabled for contactless payments.

The Contactless Symbol indicates that the merchant terminal is enabled to process payments by contactless cards, or by using your mobile device with a digital wallet. You can tap or hold your contactless card near the Contactless Symbol on the checkout terminal to make a contactless transaction.

What is a contactless payment?

When a contactless card is tapped or held near a contactless-enabled merchant terminal, encrypted card information is sent using near field communication (NFC) technology between the card and the contactless reader on the terminal.

How do I make a contactless payment using my contactless card and/or my digital wallet?

Any time you see the Contactless Symbol displayed on a merchant terminal, you can make a payment using your contactless card or your digital wallet using your mobile device. Just tap your card or mobile device near the Contactless Symbol. Of course, you can also use your contactless card or your card in a digital wallet to make purchases online or in-app.

Can I use my contactless card in my digital wallet?

Yes, if you add your contactless card to your digital wallet, you can tap to pay anywhere you see the Contactless Symbol displayed on a merchant terminal.

Can I use a Wells Fargo ATM with my contactless card or my digital wallet using my mobile device?

You can access any Wells Fargo ATM.

  • Insert your Wells Fargo chip or contactless debit or credit card and enter your card Personal Identification Number (PIN).
  • For debit cards added to digital wallets, tap your mobile device and enter your card PIN at any Wells Fargo ATM that displays the Contactless Symbol.
  • Coming in 2020: you’ll be able to access your accounts at any Wells Fargo ATM by tapping your contactless consumer debit card near the Contactless Symbol on the ATM.

What are the benefits of a contactless card?

A contactless card offers

  • Convenience when making purchases: Contactless cards are fast, easy, and speed up your checkout experience. Merchants across the U.S. are increasingly able to accept contactless cards for payment. Plus, as transit agencies across the U.S. start to accept contactless cards at their terminals and turnstiles over the next several years, you’ll have even more places to take advantage of this feature.
  • Convenience when accessing Wells Fargo ATMs: Contactless debit cards provide quick “tap” access (plus card PIN) at any Wells Fargo ATM (coming in 2020).
  • Protection: When you tap to pay, your card has the same advanced encryption and safeguards as the chip on your card.

Safety and security

Is the contactless feature secure?

Using the tap feature on your contactless card is more secure than using the magnetic stripe and has similar security to inserting the chip feature in a merchant terminal. Each time you insert or tap your card at a chip or contactless-enabled terminal, encrypted card data is sent to the terminal to process your transaction. This technology better protects you against counterfeit card fraud, and gives you a more secure experience during your transaction. As a reminder, your card comes with Wells Fargo’s fraud monitoring and Zero Liability protection. With Zero Liability protection, you won’t be held responsible for unauthorized card transactions, as long as you report them promptly.

Does the contactless card provide enhanced security even if I use the magnetic stripe on my card?

No. A card must be inserted or tapped at a chip- or contactless-enabled terminal to take advantage of the enhanced security these features provide compared to the magnetic stripe.

Can someone with a card reader stand close enough to me to steal the account or card information from a contactless card without my knowledge?

Today’s contactless cards with chip technology use a secure microprocessor that generates a unique cryptographic code that changes for every transaction. The contactless technology has an ultra-short read range, so it is unlikely that card information can be captured from your card when using the contactless feature.

What security measures are in place to help prevent intercepted data from being used for transactions by the merchants?

To help protect against fraud, merchants who process transactions made via phone call, mail or online should use secondary security measures such as asking for the 3-digit code imprinted on the back of the Visa card (4-digit code on the front of an AMEX card), and implementing extra layers of security such as address or ZIP code verification. None of this information can be read electronically from the card.

How do I report a lost or stolen card?

Call the number on the back of your card right away if you believe your card is lost or stolen.

Getting a contactless card

Do I need to request a contactless card or will Wells Fargo send one to me?

Wells Fargo Credit Cards

  • Consumer Credit Cards: new consumer credit card customers and current customers who are reissued a card will receive a card with the contactless feature. You can request a contactless card by calling the number on the back of your current card and asking for a replacement card.
  • Business Credit Cards: Business contactless cards are not available at this time. More information to come in mid-2020.

Wells Fargo Debit Cards

  • Consumer Debit Cards
    • Consumer debit cards with the contactless feature will be introduced for new card issuance and replacement of existing cards in mid-Summer 2019 in 10 states. To find out if the feature is available, visit your local Wells Fargo branch or call the number on the back of your current card.
    • Starting in early Fall 2019, contactless consumer debit cards will be introduced in all states served by Wells Fargo for new and replacement card situations.

The contactless feature will be available for other types of Wells Fargo Debit and Prepaid Cards at a later date.

Why is Wells Fargo issuing contactless cards?

We are committed to providing convenient and secure payment options, no matter how you choose to pay. The contactless feature provides additional convenience and a faster checkout.

Also, we are committed to bringing you additional ATM convenience with the contactless feature. Coming in 2020: contactless consumer debit cards will also provide quick “tap” access at any Wells Fargo ATM. Note: when accessing ATMs with contactless credit cards and debit cards, you can insert the card and enter your PIN to use the ATM at any time.

Can I get a card without the contactless feature?

Consumer Credit Card

We no longer offer consumer credit cards without the contactless feature. You can continue to insert your card in chip-enabled terminals or swipe your card if there isn’t an option for use of the chip.

Consumer Debit Card

Wells Fargo recommends contactless Consumer Debit Cards to provide the best convenience and options to our deposit customers. You can continue to insert your card in chip-enabled terminals or swipe your card if you do not wish to use the contactless feature.

Will my card number, expiration date, or 3-digit code (Visa credit and debit cards) or 4-digit code (AMEX, credit cards) change when I get the new contactless card?

Consumer Credit Card

If you currently have a chip card, you will receive a contactless card at your next card replacement. If you are replacing your card because it was damaged or we are sending you a replacement because your current card has expired, your expiration date and 3-digit security code (or 4-digit code for AMEX cards) will change. If you are replacing your card because it was lost or stolen, or it was subject to a compromise reissue, your card number also will change.

Consumer Debit Card

If you currently have a chip card and the contactless consumer debit card has been introduced in the state where you opened your card, you will receive a contactless card at your next card replacement. If you are replacing your current card because it was damaged or we are sending you a replacement because your current card has expired, your expiration date and 3-digit security code will change. If you are replacing your card because it was lost or stolen, or it was subject to a compromise reissue, your card number also will change.

Will my contactless card look the same as the one I have now?

Consumer Credit Card

Your contactless consumer credit card will have the Contactless Indicator on the back, letting you know that it is set up to make contactless payments. Otherwise, the card design is the same as your chip card.

If you have customized your credit card using the Card Design Studio® service, your contactless credit card will be issued with the same photo or image you selected. Also, you will see the Contactless Indicator on the back.

Consumer Debit Card

Once you receive a newly redesigned red contactless consumer debit card with the Wells Fargo stagecoach image on the front, your card will:

  • Show the Contactless Indicator on the back, letting you know that it is ready to make contactless payments.
  • Display your card information (like card number and expiration date) on the card back using a more durable form of “flat” printing instead of the traditional embossed format.

If you have customized your consumer debit card using the Card Design Studio® service, your contactless card will:

  • Be issued with the same photo or image you selected.
  • Have the Contactless Indicator on the front.
  • Continue to display your card information on the front of the card, using a more durable “flat” printing instead of the traditional embossed format.

Are there any additional fees for the contactless card?

No, the contactless feature is included at no additional cost.

Using a contactless card

How do I make purchases using my contactless card?

  1. Hold your card within 1–2 inches of the Contactless Symbol on the terminal.
  2. Tap or hold your card flat over the Contactless Symbol, facing up, when prompted by the cashier or terminal. Some merchants may ask you to sign for the purchase, or to enter your PIN.
  3. Your payment should be completed in seconds.

Helpful hint: tap only one contactless card or mobile device near the Contactless Symbol at a time. If the contactless reader picks up more than one signal from cards in your wallet and/or your digital wallet, the terminal may ask you to try again to be sure it only processes payment from the card you intended to use.

Do I need to sign for my purchase?

Generally, your signature is not required for a contactless transaction. However, the merchant may have their own requirements and you may be asked to sign or enter your PIN to complete your purchase.

How do I know the tap purchase was completed?

When your contactless purchase is completed, generally the merchant terminal will light up or prompt you for any further steps.

I tapped my contactless card twice. Will I get charged twice for the purchase?

If you tapped twice, please check your Wells Fargo transaction history or statement using the mobile app or online banking to ensure only one transaction was accepted. If you feel a transaction was charged erroneously, please submit a dispute by calling the customer service number on the back of your card, or using online banking. Please allow the transaction to post to your account before you contact Wells Fargo in case the merchant corrects the charge.

Can I use my Wells Fargo contactless card or digital wallet for transit?

Transit systems in key metropolitan areas are beginning to accept bank-issued contactless cards, and more systems are expected to adopt contactless payments over the next few years in the U.S.

In addition, there are a number of transit systems in cities outside the U.S. that accept contactless payments.

Can I get the same fares with my Wells Fargo contactless card that I can get using my transit system card?

Some transit systems have integrated bank contactless cards and mobile devices into their discounted programs, but others have not yet done so. Please look at the transit system fare information to determine what your fare would be.

Do I get a multi-ride discount when paying with my Wells Fargo contactless card?

It depends on the transit system. Please look at the transit system fare information.

Why do I only see one charge for a number of rides?

Some transit systems will group multiple rides into one payment per day, which they send to Wells Fargo for processing. They do not provide us with the information about individual rides that result in the charge. Please inquire with the transit system for more information.

Can I use the same Wells Fargo contactless card for different transit systems?

Yes. Wherever your Wells Fargo contactless is accepted, you can use it for payment. Just tap your Wells Fargo contactless card at the appropriate locations and you’re on your way.

How do I view how a transaction was processed using my contactless card?

In the Account Activity page online, you can select the “+” sign for more details about each transaction. There is a field labeled “Transaction Type.” You will be able to see if the transaction was completed by “card tapped,” “card inserted,” or “card swiped.”

What do I do if the transit system did not accept my tap using my card or digital wallet?

Please check that your card or account are in good standing, as your transaction could be declined for a transit ride due to account status, system problems, or other reasons. Contact Wells Fargo at the number on the back of your card regarding the status of your account or other questions about the transactions.

If your card or account are in good standing, please contact the transit system’s customer service for assistance.

Can I tap my contactless debit card to access a Wells Fargo ATM?

Coming in 2020: you will be able to use a contactless consumer debit card plus your PIN to tap for access at any Wells Fargo ATM. Of course, you can insert your contactless debit card and enter your PIN, anytime for access at Wells Fargo and non-Wells Fargo ATMs that display the Visa® or Plus® logos.

Can I tap my contactless card to access a non-Wells Fargo ATM?

Currently, non-Wells Fargo ATMs are not enabled to provide “tap” access for Wells Fargo contactless cards or digital wallets. Other banks manage their ATMs differently, so you may or may not be able to tap at another bank’s ATM even if the Contactless Symbol is present. It is possible that other ATM providers will provide this access in the future.

Can someone track my location using my contactless card?

No, your contactless card cannot be used to track your location.

Can I use my contactless card overseas?

Yes, you can use your contactless credit or debit card while traveling outside of the U.S. at merchants who accept contactless card payments. Generally, you also will have the option of inserting or swiping your card.

Can I use my contactless card at locations if the merchant terminal or ATM are not yet contactless-enabled?

Yes, your contactless card also has a chip and magnetic stripe. You can use your contactless card by inserting it into chip-enabled terminals or ATMs, and use the contactless card’s magnetic stripe at terminals that are not yet chip or contactless-enabled.

Can you use this contactless card as a regular chip card?

Yes, contactless credit and debit cards come with a chip and magnetic stripe, so you can use your card by inserting or swiping it at merchant terminals or ATMs that are enabled for these features.

Can my card information still be compromised with a contactless card?

Contactless technology is one layer of security to help prevent your Wells Fargo contactless card from being fraudulently used for transactions you make in person. The chip and contactless technology cannot reduce certain types of fraud that may occur, including, but not limited to, fraudulent web and phone purchases. Whether you tap, insert, or swipe, your card comes with 24/7 fraud monitoring and Zero Liability protection at no extra cost. With Zero Liability protection, you will not be held responsible for unauthorized card transactions, as long as you report them promptly.

How do I use my contactless card to make a purchase over the phone or online?

Using your contactless card to make a purchase over the phone or online is the same process you would use for a chip card. Simply provide your card information to authorize the purchase.

Contactless Indicator

Look for this indicator on your card.

Contactless Symbol

Look for this symbol wherever you shop.