Rail Prices: Contactless Payments

Debate between Monica Harding and Rebecca Paul

Wednesday 15th April 2026 Westminster Hall

[Rebecca Paul]

It is like the hon. Gentleman has read my mind—or even my speech. I completely agree with his point, and I will go into a number of those issues in some detail.

[Monica Harding (Esher and Walton) (LD)]

This is such an important debate. My constituency is the single biggest contributor to the Exchequer of any constituency outside London, yet we were completely missed out from the tap in, tap out roll-out. I wrote to the Minister to ask why, and he did not tell me when we would be included. On behalf of my constituents who are working really hard for that elusive growth, I ask the Minister when that might happen.

[Rebecca Paul]

I hope the hon. Lady gets an answer to her question.

On paper, contactless was presented to my constituents as a simple upgrade to how they pay. In practice, it is much more than that. I am not at all suggesting that operators have actively set out to conceal their price rises, but it is fair to say that they were not as clear, prominent or energetic as they should or could have been in explaining the full practical implications for passengers. Indeed, the changes were snuck through without any proper consultation or targeted communication. That is particularly galling since the Government are freezing rail fares across the country to ease cost of living pressures. Why do my constituents who rely on Reigate station not deserve the same?

Contactless was presented to people simply as a way of making payments easier, so many passengers, understandably, assumed that they would not have to pay more or change the time they travelled. Clearly, that has not happened at stations like Reigate. One very brief example will illustrate the point: the first off-peak train of the day is now nearly an hour later than before. That is a ticket price hike by stealth. For many years, Reigate passengers had a settled and well-understood expectation about which morning train to London marked the start of off-peak travel. That was an important part of how they planned their day, especially those travelling into London for leisure, appointments or family trips rather than for the traditional commuting pattern.

Under the new structure, because peak now runs until 9.30 am, and because Reigate’s train pattern does not line up neatly with that cut-off, the practical effect has been to push the first off-peak option later. In other words, a journey that many local passengers had long understood to be available on an off-peak basis is no longer available on the same terms. Some must now travel later, otherwise they must pay more. In that case, the roll-out of contactless has had a measurable negative impact on how some of my constituents travel by rail.

Of course, it is important to acknowledge that not every fare has increased and not every passenger has found themselves losing out. Southern notes that for many people, the contactless fare will be the same as that of a ticket bought on the day, and the whole premise of the system is that, for many passengers making simple journeys, contactless will be convenient and, in some cases, better value.

That, however, is only one part of the picture. The people who are most exposed to the downsides of this transition are the people least placed to absorb them. Currently, existing discounts cannot be applied to pay-as-you-go contactless, and if someone has a railcard or is eligible for other discounts, including a child discount, it may be cheaper to buy a conventional ticket rather than use the contactless system. That means that often the most affected passengers are families, older people, veterans and others whose journeys may amount to something more than the default model of a full-fare adult simply tapping in and tapping out.