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The use of contactless “tap and pay” technology has exploded in the past year, spurred by the fact that you can use your bank card to travel across London.

There’s no need for an Oyster card if you use your contactless bank card to pay for Tube, bus and train journeys in the capital, and fares are guaranteed to be the same. However, travellers would be wise to register their contactless cards on the Transport for London website.

If you fail to tap in or out correctly — very easy in crowded stations — TfL will count this as an “incomplete journey” and charge you a maximum fare of up to £8.90.

Unless your card is registered, you will not be able to get the excess refunded, or indeed see whether you have been overcharged. Go to tfl.gov.uk and create a contactless account. When you view your journey history online, incomplete journeys are clearly flagged and refunds can often (though not always) be applied for online.

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