Personal information on transactions


I was just wondering what kind of personal information vendors get access to whenever I make a payment via chip & pin.

Do they get access to my card number or any personal info such as my name and home address?


(Answered in chat - thanks!)

(Danny) #2

Card number and expiry


Maybe name as well.

I have inserted an RBS card in a railway ticket machine before and my name came up on the display!

(Hugh Wells) #4

That would have come from the card itself :slight_smile:

(Leon) #5

Don’t they also get the CVV?

(Leon) #7

So in other words they do get it but they can’t store it. So yes.:yum:

(Rika Raybould) #8

Yes, this is how they process the payment. :slightly_smiling_face:

They will not receive any of this information from Monzo. Though there is a name field on the card’s chip, we do not fill it out (it’s very rare for a UK bank to do this, more common in the US).

(Dave) #9

I’m still waiting for an answer from Starling Bank about why their debit cards (or at least mine) store details of transactions on the card. This data can be read with a mobile phone and free card reader software (and presumably contactless terminals in shops).

It doesn’t overly concern me, but maybe it should. Someone on this forum said that maybe it was just a default setting they didn’t turn off. Maybe @Rika knows more about this from a Monzo point of view and whether that sort of functionality is default, or whether they decided to turn it off for Monzo debit cards?


i have this transaction data appearing on 80% of my bank cards so it appears a common occurrence

(Dave) #11

Interesting as it is only on less than 10% of my cards so I assumed it was an unusual practice. The other one is TransferWise.