Nearly one in six Brits (16% of us) have registered to make contactless payments using their smartphones or smartwatches, instead of using a debit or credit card.
Mobile payment services allow you to link your credit or debit card to your smartphone so you can pay for goods and services by tapping your phone on the contactless card reader; you don't need your card with you.
If you're deciding whether to start making contactless payments with your smartphone, here's what you need to know before you make the switch...
Which mobile payment service should I sign up to?
Apple Pay, Google Pay and Samsung Pay are the major mobile payment services in the UK and are supported by most big banks, including First Direct, HSBC, NatWest, Santander, Royal Bank of Scotland, Barclays and Lloyds.
Fitbit and Garmin have their own mobile payment services on some activity trackers and smartwatches, but currently only Santander and Starling Bank support them.
How do I get started?
On an iPhone, open the Wallet app. If you have an Android smartphone, download the Google Pay app from the Google Play Store. For Samsung handsets, download Samsung pay from the Samsung Galaxy Store.
All three of these apps will then ask you to add your card details by taking a photo of the card itself and your bank will send a verification code as a text message or via phone call.
When you make a payment, unlock your device by placing your finger on the fingerprint sensor or activate facial recognition (iPhones only), then hold the device over the contactless reader.
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