card reader in the back of a black cab

Do London taxis take credit cards?

Fiona Peake

By Fiona Peake

Yes, they do. Every licensed London black cab must accept credit and debit cards. That’s been the rule since 2016, so you don’t need to worry about carrying bundles of cash to get across the city. You can even tap with your phone or watch to pay. 

How card payments work in London taxis 

Paying by card in a London taxi is quick and simple: 

  • When you reach your destination, you’ll find a card machine in the back of the cab.
  • You can pay by chip and PIN, contactless, or mobile wallet (like Apple Pay and Google Pay).
  • The machine can print a receipt if you want one – just ask. 

The machine is fixed in the passenger area, so your card never leaves your hand. That makes it safer and easier. 

What cards do taxis accept? 

London taxis accept most popular cards: 

  • Visa
  • Mastercard
  • American Express
  • Debit cards
  • Contactless and mobile payments 

Cash is still accepted too, but most people find card quicker and more convenient. 

Are there extra fees for paying by card? 

No. By law, drivers cannot add a fee for card payments. The amount you see on the meter is exactly what you’ll pay, whether you use cash or card. 

What if the card machine isn’t working? 

Drivers must make sure their card machine is working before they start work. If it isn’t, the cab shouldn’t be out on the road. 

If you do find yourself in a taxi with a broken machine, the driver should tell you before you set off. You can also choose to hop out and take another cab if you’d rather not deal with the hassle. 

Riding in London? Here’s what to remember 

For years, black cabs only took cash. Tourists and Londoners often had to dash to the nearest cashpoint before getting a ride. 

That changed in October 2016, when Transport for London made it the law for every licensed taxi to accept card and contactless. The rule came in after most people in a public survey said they wanted the option to pay by card. 

What about minicabs and apps? 

Private hire vehicles (like minicabs you pre-book) also accept card payments, but it often works differently. With apps like Uber, Bolt, or Free Now, you add your card details to the app and pay automatically at the end of the trip. 

If you book a minicab over the phone, ask when booking how you can pay – most operators will accept card either in advance or in the car. 

Can I tip by card? 

Yes. You can add a tip on the card machine, or simply tell the driver how much you’d like to pay in total. Many people round up to the nearest pound. Tipping is optional – there’s no set rule. 

Tips for tourists and visitors 

If you’re new to London, here are some handy things to know: 

  • Check your card works in the UK – most do, but let your bank know you’re travelling so payments don’t get blocked.
  • Keep a little cash as backup – handy in case of technical hiccups.
  • Ask before you get in if you want peace of mind that the card machine works.
  • Save receipts if you’re claiming expenses. 

Common payment problems 

Sometimes things don’t go smoothly. Here’s what you might come across and what to do: 

  • Card declined – check your balance or try again.
  • Poor signal – sometimes machines take a while to connect; wait a moment and retry.
  • Bank security block – if your bank thinks the payment looks unusual, it may stop it. If you’re a tourist, calling them before travelling can help avoid this. 

Your rights as a passenger 

It’s good to know where you stand: 

  • All licensed black cabs in London must take card payments.
  • Drivers cannot charge extra for using a card.
  • You can ask for a printed receipt.
  • If a driver refuses card payment, you can report it to Transport for London. 

Riding in London? Here’s what to remember 

Yes – every licensed black cab in London must take credit and debit cards. Paying this way is quick, safe, and costs no more than cash. Whether you’re off to the airport, heading out sightseeing, or simply getting home, you can rely on card payments to work. 

Disclaimer: We make every effort to ensure content is correct when published. Information on this website doesn't constitute financial advice, and we aren't responsible for the content of any external sites.

Fiona Peake

Fiona Peake

Personal Finance Writer

Fiona is a personal finance writer with over 7 years’ experience writing for a broad range of industries before joining Ocean in 2021. She uses her wealth of experience to turn the overwhelming aspects of finance into articles that are easy to understand.

card reader in the back of a black cab card reader in the back of a black cab