For most adults, the cheapest and easiest way to travel around London is to use the same contactless bank card, phone or watch for every journey. Transport for London applies the correct fare and stops charging once you reach the relevant daily or weekly cap.
An Oyster card can be better if you have a Railcard, are travelling with children aged 11 to 15, do not have a suitable contactless card or want to avoid fees from a foreign bank.
Oyster, contactless or Travelcard?
| Payment method | Usually best for | Important limitation |
|---|---|---|
| Contactless card, phone or watch | Most adults making ordinary journeys | Every traveller aged 11 or over needs their own card or device |
| Standard Oyster card | Railcard users, people without contactless and regular visitors | You need to buy the card and keep enough credit on it |
| Visitor Oyster card | Visitors who want a card before arriving | It has an initial purchase cost and must be delivered or bought in advance |
| Day Travelcard | Some visitors arriving with a rail ticket or travelling in a qualifying group | Pay as you go with capping is often cheaper for ordinary travel |
| Weekly or longer Travelcard | Regular travellers whose journeys match the zones and period | It can cost more if you travel fewer days or mostly by bus |
| Cash or paper single tickets | Rare situations where pay as you go is unavailable | Usually more expensive and less convenient |
Contactless is normally the simplest choice
Contactless and Oyster use the same adult pay-as-you-go fares across TfL services. With contactless, there is no separate travel card to buy or top up. You can use a bank card, phone or watch wherever the contactless symbol is shown.
The important rule is that the system treats each card and device separately. A physical bank card and the same card inside Apple Pay or Google Pay are not treated as one payment method.
If you touch in with your phone and touch out with your physical card, TfL may record two incomplete journeys instead of one complete journey.
When Oyster is better
Choose Oyster when you need a discount that cannot be added to an ordinary contactless card. The most useful examples are:
- A National Railcard discount on eligible off-peak fares and caps
- A Young Visitor discount for a child aged 11 to 15
- A London student, apprentice or other TfL concession
- A fixed amount of prepaid credit for budgeting
- A reliable alternative when a foreign contactless card is not accepted
Each person must use a separate Oyster card. You cannot pass one card back to the next adult at the gate.
Do you need a Travelcard?
Most occasional visitors do not need one. TfL says pay as you go with capping is normally cheaper than buying a Day Travelcard for journeys within Zones 1 to 9.
A Travelcard can still make sense when:
- It forms part of a rail ticket from outside London
- You qualify for a discounted season ticket
- You travel frequently during a full week or longer period
- A group of 10 or more people is travelling together
- You have calculated the exact cost and it beats pay as you go
Do not buy one only because unlimited travel sounds reassuring. Contactless and Oyster stop charging eligible fares once the relevant cap is reached.
How London fare caps work
A fare cap limits what you pay for eligible travel within the zones covered. Keep touching in and out correctly, even after you think you have reached it.
Current adult examples for 2026 include:
| Travel | Pay-as-you-go limit |
|---|---|
| Zones 1 and 2 daily cap | £8.90 |
| Zones 1 to 6 daily cap | £16.30 |
| Zones 1 and 2 Monday-to-Sunday cap | £44.70 |
| Bus and tram daily cap | £5.25 |
| Bus and tram Monday-to-Sunday cap | £24.70 |
These figures can change. Use TfL’s caps and Travelcard information before relying on a particular amount.
The weekly cap always runs Monday to Sunday
This catches visitors out. Weekly capping does not cover any seven consecutive days.
If you arrive on a Wednesday and leave the following Tuesday, the journeys fall into two separate Monday-to-Sunday periods. You may receive daily caps, but you cannot combine both parts into a single weekly cap.
Peak and off-peak fares
Peak pay-as-you-go rail fares generally apply from 6.30am to 9.29am and 4pm to 6.59pm, Monday to Friday. Off-peak fares apply at other times and throughout weekends and public holidays.
The time you touch in normally determines whether the journey is peak or off-peak. Some routes and National Rail journeys have different rules, so use the TfL Single Fare Finder for an exact journey.
Use Citymapper to compare the whole journey
Citymapper is useful in London because it compares Tube, rail, bus, walking and cycling routes in one place. It can reveal that a short walk to another station, a direct bus or avoiding Zone 1 is simpler or cheaper than the first route you considered.
Treat its price and arrival estimates as a guide. TfL’s Single Fare Finder and the final ticket retailer remain the places to confirm the fare, restrictions and disruption before travelling.
Add a Railcard to Oyster and save one third
Eligible Railcard holders can ask staff to add their discount to a registered Oyster card. It cannot normally be added to a contactless bank card.
The discount gives one third off eligible off-peak pay-as-you-go fares and the off-peak daily cap. The standard Railcards covered include:
- 16-25 Railcard
- 26-30 Railcard
- Senior Railcard
- HM Forces Railcard
- Veterans Railcard
A Disabled Persons Railcard can provide one third off eligible fares and caps at any time.
Take your Oyster card and valid Railcard to a staffed Tube, London Overground or Elizabeth line station and ask whether the discount can be added. The Oyster card must be registered, and you must carry the Railcard when travelling.
The cheapest London travel for children
Children under 11
Up to four children under 11 can travel free with a fare-paying adult on:
- Tube
- DLR
- London Overground
- Elizabeth line
- Buses and trams
- Some National Rail services
At wide ticket gates, the adult should touch in and allow the children to walk through with them. Check the National Rail rules if part of the journey is outside the normal TfL network.
Children aged 11 to 15
Every child aged 11 or over needs their own ticket or payment card. Visitors can ask a member of TfL staff to add a Young Visitor discount to an Oyster or Visitor Oyster card.
The discount provides half-price adult pay-as-you-go fares and caps for up to 14 days. It is not available on an ordinary contactless bank card.
This is one of the clearest reasons for a visiting family to choose Oyster rather than contactless for everyone.
London residents may be eligible for an 11-15 Zip Oyster photocard, which has different benefits and requires an application.
Buses are a cheap way to see London
An adult bus or tram journey currently costs £1.75 with pay as you go. The Hopper fare then allows unlimited additional bus and tram journeys within one hour of the first touch for no extra fare.
You must touch in on every bus using the same card or device. You do not touch out when leaving a London bus.
The bus and tram daily cap is currently £5.25. This means a bus-only day can cost considerably less than travelling through several rail zones.
Save on train tickets outside London
Oyster and contactless are usually the simplest choice for journeys within the TfL network. For longer National Rail trips, airport journeys and days out beyond London, compare the actual ticket price before paying.
Trip.com new-user train discount
New Trip.com users joining through our invitation can currently save 4% on eligible UK train tickets for 30 days. It is most useful when you have several journeys planned, but compare the final price with the train operator because one booking website is not cheapest every time.
Read our Trip.com train discount guide
Rakuten welcome bonus on a larger train booking
If you are new to Rakuten and need to spend at least £50 on qualifying train tickets, check whether Trainline, TrainPal, Omio or Trip.com is listed inside Rakuten. A qualifying purchase can earn the welcome bonus shown when you register, plus the retailer’s normal cashback.
Rakuten changes its campaigns. For example, when the invitation shows a £25 welcome bonus, a qualifying £50 train booking could trigger that £25 bonus plus cashback. Take a screenshot of the signup offer, read the minimum-spend rules and complete the booking through Rakuten in the same browser session. Cashback is not guaranteed until the retailer approves it, and cancelled or refunded tickets may not qualify.
Check the current Rakuten new-user bonus and instructions
Buses are slower in traffic, but they provide street-level views and can be useful for short journeys that would otherwise require changing Tube lines.
Do not assume every London airport accepts Oyster
The airport name does not tell you whether TfL pay as you go works there.
| Airport | Oyster or contactless? | Money-saving point |
|---|---|---|
| Heathrow | Oyster and contactless work on the Piccadilly and Elizabeth lines | Heathrow Express is faster but is not included in normal caps or Travelcards |
| Gatwick | Oyster and contactless are accepted on trains from London | Gatwick Express can cost more than other trains using the same route |
| Stansted | Oyster and contactless are not accepted for the train to the airport | Buy a valid rail, coach or Stansted Express ticket before travelling |
| Luton | Contactless works to Luton Airport Parkway, but Oyster does not extend that far | Check whether your train ticket includes the Luton DART connection to the terminal |
| London City | Oyster and contactless work on the DLR | This airport is inside the TfL network and is straightforward to reach by pay as you go |
Always check the full journey and terminal before choosing the cheapest ticket. A slower route with two difficult changes may not be worth a small saving when carrying luggage.
Seven mistakes that make London transport more expensive
Keep your fares under control
- Use one card or device.
Do not switch between a phone, watch and physical card during the same day.
- Touch in and out on rail journeys.
Missing a touch can create an incomplete journey and a maximum fare.
- Only touch in on buses.
There is no need to touch out when leaving a London bus.
- Keep cards apart.
Present one card to the reader so it does not charge a different card from your wallet.
- Check airport exceptions.
Stansted does not accept Oyster or contactless rail payment, and premium airport trains may sit outside normal caps.
- Add discounts before travelling.
A Railcard or Young Visitor discount must be attached to the Oyster card before it can reduce a fare.
- Review unexpected charges.
Create a TfL account or use its journey history tools to check incomplete journeys and request corrections where appropriate.
Oyster and contactless questions
Is contactless cheaper than Oyster?
Can two people use the same contactless card?
Does Apple Pay count as the same card as my bank card?
Should tourists buy a Visitor Oyster card?
Can I add a Railcard to contactless?
What happens if I forget to touch out?
Does the daily cap include Heathrow Express?
Official sources and last check
This guide was checked on 19 July 2026 using:
- TfL advice on the best ways for visitors to pay
- TfL 2026 adult fares and caps
- TfL conditions covering Railcard discounts
- TfL bus, tram and Hopper fares
- TfL advice for travelling with children
- National Rail guidance for London airports
- National Rail information for Luton Airport Parkway
Fares, caps, airport acceptance and discount rules can change. Use the TfL Single Fare Finder and the relevant airport or train operator before making an expensive journey.