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Has anyone used US credit card to pay fare on London Tube?

If so were there additional service charges? How much? Trying to determine if it is worth shelling out £7 for the Oyster card (!)

Is there any difference if you use some kind of payment via phone? If using google pay or Apple Pay can one person pay for multiple tickets or does each person have to have this payment facility on their own phone?

thank you

Posted by
8123 posts

Yes, both my wife and I did. No, there were no extra charges, the transport system charges no fees, and my cards used charged no fees. Of course, I have that card for travel because it has no Foreign Transaction Fee (FTF) so I knew that going in.

Use was easy, as easy as an Oyster Card. One charge is made daily, at midnight or so, that way if you benefit from the cap, it applies it. It is the same with your phone (I used my phone most days), the key is to use the same method/card each time. You can not pay for multiple, each person needs a phone or card to tap in and tap out.

Posted by
87 posts

C Heck your bank. We’ve been using our bank cards all week. Simple. You’ll be charge the U.S.A. dollar on the date they put the amount your card.

Posted by
22 posts

Cheapest, most convenient way to travel on Tube, bus, taxi. I was in England in July- it’s all plastic. Virtually no need for cash.

Posted by
3097 posts

I loaded my contactless BAC CC in Apple Wallet, worked great. No additional fees. A ticket agent at a tube station recommended I do CC instead of buying an Oyster Card to save the fee. You want to either pay by CC or Apple Wallet for the consolidated rate.

Posted by
293 posts

Also Google Pay is widely accepted, on tube a d elsewhere. Here now. I still have an old oyster card but going forward will use my phone.

Posted by
53 posts

if you use google pay are there transaction fees?

also can one person using one phone pay for 3 people?

Posted by
4114 posts

No one person can’t tap in for other people. Each person needs their own cc or cc loaded on their phone. We each used a separate cc in June 2023 and it worked great.

No additional fees as our cc had no foreign transaction fees. We set up separate accounts ahead of time at tfl.gov.uk to monitor our costs.

Posted by
1199 posts

One thing you can do is to use the same credit card both loaded into your phone [Apple or Android] and the card itself. So one person can use the phone and the other person the card. Just be sure to use the same method when boarding and exiting.

Posted by
1232 posts

If your credit card charges fees for International expenditure then it will to buy the Oyster card as well. Even if you use sterling you have changed you will have incurred charges to get those too.

If you have time get yourself a card with no fees. Otherwise just accept what should be small amounts

Posted by
4 posts

The fee will depend on which card you're using some cards don't charge balance, while some charge on the hand.

Posted by
8123 posts

If your card does charge a FTF...I would still consider using it and not buy an Oyster card. Typically you are hit at about 3% of the transaction, and TFL only makes one transaction per day, per card/device. At a cap of around 8 GBP for Zone 1-2, your talking pence per day (OK, like 0.24 GBP). You would need to be there weeks before you hit your 7 GBP that you paid for the card.

Posted by
8123 posts

if you use google pay are there transaction fees?

Google Pay charges no fees.

also can one person using one phone pay for 3 people?

Not easily. Technically, if you had three cards loaded in your Google Wallet. scanned one, let someone go through, change cards, scan, etc,; then it likely would work, as you essentially used three different cards. However, you would be holding up the line, and likely getting some scowls from other commuters trying to do all that.

Much easier is each to have their own card/device. You do not need to have phone service to use your phone, so a scheme like: Person 1, Phone loaded with the card: Person 2, Physical card; Person 3, same card loaded on their phone.