If you use a Mastercard, your bank statement may show a “pending” 10p or £1 charge for your first tap (10p for UK Mastercards, £1 for International Mastercards). This is just a temporary charge to check the card is valid – we do not collect the payment. The time it takes to be returned to your available balance depends on your bank – most banks take a couple of working days, but some banks take up to 30 days.