Same fares, same daily cap
Standard fares and caps are equivalent for the same eligible journeys. Check amounts, zones and exclusions with TfL; bank fees are separate. Oyster purchase costs and discounts may affect the comparison.
Weekly caps for both
Adult pay as you go Oyster and contactless both have daily and Monday-to-Sunday weekly caps for eligible journeys. You do not need to load a Travelcard for weekly capping. Always use the same card or device and check exclusions and incomplete journeys at https://tfl.gov.uk/.
One card per person, used consistently
Caps apply per card or device, so switching between a phone and a bank card mid-week can mean paying two partial fares instead of reaching one cap. Use the same card or device for the whole stay, and always tap in and tap out where stations require it.
Keep it handy while in London
- Add it to your home screen: works offline too
- Save your favourite spots
- Turn on Congestion Charge & ULEZ alerts (free)
When Oyster still makes sense
Oyster can help if your bank card is incompatible or you qualify for discounts. For children around 11–15, check the Young Visitor discount and Oyster or Visitor Oyster conditions with TfL; not every visitor needs a Zip photocard. Check purchase costs and conditions before paying.