Cash - indifferent, yes or no?

[Jones28]

I’ve seen a lot of stuff on Twitter about cash recently.

Do you use cash wherever possible?

I personally think contactless is too convenient to not use and have been caught out by not having cash on me.

The only transaction I do in cash regularly is our milkman who is in his 80’s.

There seems to be something deeper to the cash thing. The Piers Corbyns of the world seem to have it in their heads that this is a conspiracy to track all your transactions and data, conveniently forgetting that the government have pretty much every piece of information they could possibly want on us anyway.

It’s something I totally don’t understand and probably never will. ‘Mon the contactless.

[Alfiembra]

Same here been caught out a few times not having cash, and always used it as an excuse to fend off charity collectors rattling cans and buckets at me, but now they have contactless facilities too. I do prefer contactless to cash just because of the convenience and speed of it all but I’m still old school in that I use cards and not got as far as using my phone yet.

[Hibbyradge]

I very rarely use cash. If I get asked for cash I'd be caught out because I don't carry any.

A couple of restaurants I use are cash only and while that's a bit of an inconvenience, I can prepare in advance.

I would think that most people who insist on cash are folk who want to hide their income, presumably to avoid paying tax and vat.

The pro-cash lobby will inevitably lose out although cash will continue to exist around the margins. More and more people are paying by mobile phone or by watch because it's just much more convenient than searching for notes and change.

All imo, obvs

[Hibrandenburg]

I’ve seen a lot of stuff on Twitter about cash recently.

Do you use cash wherever possible?

I personally think contactless is too convenient to not use and have been caught out by not having cash on me.

The only transaction I do in cash regularly is our milkman who is in his 80’s.

There seems to be something deeper to the cash thing. The Piers Corbyns of the world seem to have it in their heads that this is a conspiracy to track all your transactions and data, conveniently forgetting that the government have pretty much every piece of information they could possibly want on us anyway.

It’s something I totally don’t understand and probably never will. ‘Mon the contactless.


We talked about this yesterday amongst the parents of my son's football team. What kicked it off was a Caffè that only accepted cashless payment and a few of the parents were miffed about it. One of them is a pretty shady type who runs her own small nail shop business. I just couldn't help but think she's pro cash because any electronic transactions have to go through the books. I suspect there's a lot of this amongst the resistance to cashless payment.

[Hiber-nation]

Window cleaner. And a tip for the takeaway delivery driver. That's it, don't want to use it anymore, pain in the erse!

[danhibees1875]

Hardly ever use cash.

Took some cash out for a wedding earlier in the year "just in case" but the bar had a card reader, broke some of it a while after to get a £1 coin for a swimming pool locker. I imagine I'll be carrying that change around with me daily for months now. :greengrin

As for the conspiracy theorists, the fact they pedal that stuff on social media is hard to beat on the irony scale.
Even then in all honesty, if someone wants to track my data that badly they're welcome to. I hope I've been flagged in a Russian basement somewhere yesterday "why the heck has this guy spent exactly £1.10 twice in the space of 3 minutes??" - because I bought milk and dropped it the second I left the shop and had to go back and buy it again. :rolleyes:

[Ozyhibby]

I pay for a referee each week in cash and that’s the only cash transaction I do now. Everything else is contactless.


Sent from my iPhone using Tapatalk

[Hibbyradge]

Same here been caught out a few times not having cash, and always used it as an excuse to fend off charity collectors rattling cans and buckets at me, but now they have contactless facilities too. I do prefer contactless to cash just because of the convenience and speed of it all but I’m still old school in that I use cards and not got as far as using my phone yet.

I was like you and always used a card, but I started using my phone a few months ago and it's so convenient. I tried using my watch but I can't get it to work yet.

And before I get the comments about using my Timex etc, I do have a smart watch! :na na: :greengrin

[danhibees1875]

In defence of cash, there's a whole bunch of nostalgic reasons that I hope it hangs on as best as possible.

As a child, I loved finding coins on the ground and now I enjoy and "collect" the quirky 50p coins that come into circulation every so often. At one point a few years ago I decided to collect a penny that was minted in every year since they were introduced etc.
I have a collection of foreign coins and notes somewhere- I imagine with a number of currencies which no longer exist.


It's probably a sad indicator of how life goes that all of that small joy is put to one side in favour of something which is marginally more convenient...

[danhibees1875]

I pay for a referee each week in cash and that’s the only cash transaction I do now. Everything else is contactless.


Sent from my iPhone using Tapatalk

Sounds like something the Rangers CFO might say. :wink:

[Bridge hibs]

My Wife has all my cards, I honestly wouldnt know how to do a card transaction, I can use a cash machine but thats my limit

Cash for the window cleaner and thats about it. Funny thing yesterday me and Wife went to snack van at Musselburgh harbour, we use it often, they had written notices on the glass fronts asking if people could pay with cash as thats preferred to card

Most people in the queue in front of us paid with card as they said they dont carry cash, I paid with cash freshly drawn from the machine

[Bridge hibs]

What do the bairns do for “pour oots” nowadays, do they still happen ? Probably stick a card machine out of the car window with the kids chasing the car to tap their cards 🤣

[Hibbyradge]

What do the bairns do for “pour oots” nowadays, do they still happen ? Probably stick a card machine out of the car window with the kids chasing the car to tap their cards 🤣

I haven't seen a poor oot for decades!

[Bristolhibby]

I haven't seen a poor oot for decades!

I did one at my wedding back in 2007. Threw my back out tossing the coins. You can’t make it up.

Mind you, it was my wee cousins that benefitted from the whole “tradition”.

J

[superfurryhibby]

Scoring illicit substances.

Paying cash in hand tradesmen.

Got it’s uses

[Bridge hibs]

Scoring illicit substances.

Paying cash in hand tradesmen.

Got it’s usesI got an outside tap fitted by the aptly named Gareth Evans from Danderhall, paid in cash £70 supplied and fitted by the way, not bad for a 10 minute job 😵

[Hibbyradge]

I got an outside tap fitted by the aptly named Gareth Evans from Danderhall, paid in cash £70 supplied and fitted by the way, not bad for a 10 minute job 😵

Not bad for him. £70 tax and vat free!

'kin bandit.

[Jack]

I think covid had a lot to do with the demise of cash. I mean who wants covid ridden cash in their pocket? Before folk knew cash was minging but nobody died of it!

I've been in the fortunate position for a number of years where I was able to not to spend change and after being out shopping but more likely drinking 😆 and spending notes only I'd chuck the change in a bucket. A couple of times a year, when the bucket got too heavy, I'd put it through my coin sorter. Anything between £600 and £900 a time!

Since covid I'm card only. I do miss these cash bonuses though 😕

I tried to go phone/watch but that was a miserable failure. With the help of a well meaning barmaid in the local we failed to get the damn thing working and my phone won't fit in the slots at Easter Road to click my season ticket so Google wallet can do one!

Even abroad I rarely take any cash, maybe tiny amounts. That was after being robbed of €600 in Barcelona but that's another story!

[Scouse Hibee]

Card for everything except pubs, always carry cash on a night out as I like to use cash at the bar. When our card machines at the shop went down a few weeks ago, we lost several customers in the hour they were down which showed how folk don’t carry cash these days.

[The Modfather]

I can’t remember the last time I had any physical cash. I have Apple Pay but haven’t broken the habit of taking my card holder with me and probably use my physical cards as much as I tap my phone.

The only place it catches me out is car washes/vallet services at the likes of Dobbies. Not a service I’d purposefully seek out but a bit frustrating that can never use the car wash, or more likely the vallet service, as no cash on me or cash machines nearby.

Took my daughter bowling yesterday at Fountainpark. Afterwards she wanted to play some of the arcade games. The bowling place machines only took coins. We went to the arcade place beside the cinema which was digital. A complete waste of money of course, but air hockey was fun.

[Hibbyradge]

I think covid had a lot to do with the demise of cash. I mean who wants covid ridden cash in their pocket? Before folk knew cash was minging but nobody died of it!

I've been in the fortunate position for a number of years where I was able to not to spend change and after being out shopping but more likely drinking 😆 and spending notes only I'd chuck the change in a bucket. A couple of times a year, when the bucket got too heavy, I'd put it through my coin sorter. Anything between £600 and £900 a time!

Since covid I'm card only. I do miss these cash bonuses though 😕

I tried to go phone/watch but that was a miserable failure. With the help of a well meaning barmaid in the local we failed to get the damn thing working and my phone won't fit in the slots at Easter Road to click my season ticket so Google wallet can do one!

Even abroad I rarely take any cash, maybe tiny amounts. That was after being robbed of €600 in Barcelona but that's another story!

Yes, that's another good point. Contactless is much more secure.

As long as you've got a screen lock on your phone, even if it's stolen, you shouldn't lose any money.

[Bridge hibs]

Not bad for him. £70 tax and vat free!

'kin bandit.To be fair he did say cash or card, I flapped when he said card 🤣

[Hibbyradge]

To be fair he did say cash or card, I flapped when he said card 🤣

Your reply should have been, "How much for cash?" :agree:

[Edina Street]

I’ve seen a lot of stuff on Twitter about cash recently.

Do you use cash wherever possible?

I personally think contactless is too convenient to not use and have been caught out by not having cash on me.

The only transaction I do in cash regularly is our milkman who is in his 80’s.

There seems to be something deeper to the cash thing. The Piers Corbyns of the world seem to have it in their heads that this is a conspiracy to track all your transactions and data, conveniently forgetting that the government have pretty much every piece of information they could possibly want on us anyway.

It’s something I totally don’t understand and probably never will. ‘Mon the contactless.

I use card for everything I do.
I don't have any concerns about this, but I respect other peoples rights to have concerns.
The only time that I required going to the bank to withdraw cash was when I conducted a driving trip in Morocco in 2019 and drove from Tangier to the border in the Sahara desert and back. I found that the further South in Morocco I went the more and more businesses would only accept Saudi bank cards. This was the case when I pulled up at a Motel for the night. The Motel would only accept cash or Saudi bank card. So I went to the cash machine and withdrew a relatively large amount of cash, and for the rest of my stay in Morocco I used only cash.

[lapsedhibee]

I honestly wouldnt know how to do a card transaction

Thinking you might be Rish! Sunak.


What do the bairns do for “pour oots” nowadays, do they still happen ? Probably stick a card machine out of the car window with the kids chasing the car to tap their cards 🤣

You're definitely Sunak, because this would mean transferring wealth from poorer people to richer people. :agree:

[J-C]

Most of my fares nowadays are either credit cards or apps, the only real time someone pays a taxi with cash tends to be older punters who are old school, or weekend punters who have a mixture of both. TBH if I get cash I have to then go to the bank to deposit it as all my main bills are DD's.

[Bridge hibs]

Thinking you might be Rish! Sunak.



You're definitely Sunak, because this would mean transferring wealth from poorer people to richer people. :agree:Nah Im just a traditionalist, old school, Ive had a credit card for years but wouldnt know how to use it 😃 in fact its in my Wifes purse, I think its green.

Same with measurements etc, Im inches and feet, with weights Im pounds and stones 😃

[CropleyWasGod]

We talked about this yesterday amongst the parents of my son's football team. What kicked it off was a Caffè that only accepted cashless payment and a few of the parents were miffed about it. One of them is a pretty shady type who runs her own small nail shop business. I just couldn't help but think she's pro cash because any electronic transactions have to go through the books. I suspect there's a lot of this amongst the resistance to cashless payment.

Even that's not foolproof.

Just as in the days where some shops would have separate tills, it's possible to have 2 different card-readers, each linked to a different bank account. One gets declared, the other doesn't.

[Hiber-nation]

Nah Im just a traditionalist, old school, Ive had a credit card for years but wouldnt know how to use it 😃 in fact its in my Wifes purse, I think its green.

Same with measurements etc, Im inches and feet, with weights Im pounds and stones 😃

You can't not know how to use it, it's way way easier than counting out cash!

[Bridge hibs]

You can't not know how to use it, it's way way easier than counting out cash!

Yeah I can tap my cash card onto one of those tappy machines but I have never used any of my cards for transactions such as shopping, buying tools etc, I get my Wife to do that as she is a wizz at that stuff, I just tell her what I need

[RyeSloan]

The conspiracy theory stuff comes form ‘control’. I think it goes along the lines of if all cash is electronic then technically governments could put an expiry date on it to force you to spend or something like that.

I think it’s generally over cooked guff that kind of ignores the fact that central banks have controlled currencies for decades anyway but I suppose a record of everything you spend and where and when being available to those that snoop is not ideal for some. From what I can see the main holdouts are trades who still want cash if they can get it. I’ll leave others to speculate why that may be…

As for personal cash use. Less and less. I use it in the local simply as it’s still standard in there and just feels like the normal thing to do. I always tend to have some cash in the wallet but it can sit there for a long time before being used.

Generally though it’s Apple wallet via my debit card as it’s simply the handiest thing to do.

[stu in nottingham]

I'm always interested in things that make life easier. Apple Pay for me almost completely, and has been for around the past four years.

Had a few quid on me the other day and used it at a bar. Amazing how quickly you get out of the habit of counting cash.

A visit to the local for me is on a tab and one payment at the end of the night. So easy.

[Pretty Boy]

Cash in the bookies on the rare occasions I still have a bet these days. Losing £20 in hard cash makes me feel far worse than the days I could plough through a couple of hundred online on a Saturday. Usually always have some cash on me as there are still a few pubs that prefer it/only accept it.

Beyond that it's card for everything.

[Hibrandenburg]

Even that's not foolproof.

Just as in the days where some shops would have separate tills, it's possible to have 2 different card-readers, each linked to a different bank account. One gets declared, the other doesn't.

That maybe true, but any fraud investigation would be made much easier.

[Paulie Walnuts]

I think covid had a lot to do with the demise of cash. I mean who wants covid ridden cash in their pocket? Before folk knew cash was minging but nobody died of it!

I've been in the fortunate position for a number of years where I was able to not to spend change and after being out shopping but more likely drinking 😆 and spending notes only I'd chuck the change in a bucket. A couple of times a year, when the bucket got too heavy, I'd put it through my coin sorter. Anything between £600 and £900 a time!

Since covid I'm card only. I do miss these cash bonuses though 😕

I tried to go phone/watch but that was a miserable failure. With the help of a well meaning barmaid in the local we failed to get the damn thing working and my phone won't fit in the slots at Easter Road to click my season ticket so Google wallet can do one!

Even abroad I rarely take any cash, maybe tiny amounts. That was after being robbed of €600 in Barcelona but that's another story!

A lot of banks nowadays do ‘Save The Change’ on their accounts where what would have traditionally been ‘change’ gets put into a savings account for you when you pay by card.

I have mine set to double save the change with RBS and it’s paid for a city break each year the last couple of years.

[Alfiembra]

A lot of banks nowadays do ‘Save The Change’ on their accounts where what would have traditionally been ‘change’ gets put into a savings account for you when you pay by card.

I have mine set to double save the change with RBS and it’s paid for a city break each year the last couple of years.

Doing the same with TSB paid my golf club fees this year. :aok:

[McD]

A lot of banks nowadays do ‘Save The Change’ on their accounts where what would have traditionally been ‘change’ gets put into a savings account for you when you pay by card.

I have mine set to double save the change with RBS and it’s paid for a city break each year the last couple of years.



I wasn’t aware of this but have now turned it on, cheers :aok:

[lapsedhibee]

A lot of banks nowadays do ‘Save The Change’ on their accounts where what would have traditionally been ‘change’ gets put into a savings account for you when you pay by card.

That's very kind of them. Do they pay the 4.5-5% interest on the 'change' that you could get if you saved it yourself? :dunno:

[grunt]

That's very kind of them. Do they pay the 4.5-5% interest on the 'change' that you could get if you saved it yourself? :dunno:
Chase does. 5%.

[Scouse Hibee]

That's very kind of them. Do they pay the 4.5-5% interest on the 'change' that you could get if you saved it yourself? :dunno:

Yes I get interest on mine.

[Paulie Walnuts]

That's very kind of them. Do they pay the 4.5-5% interest on the 'change' that you could get if you saved it yourself? :dunno:

Yeah, they pay whatever interest is on the account you choose to put it into.

[Keith_M]

I use cash quite a bit. Mainly, it's because I like to check my bank statements for what I'm spending my money on and can't be arsed raking through endless amounts of small payments, like a cup of coffee at Costa, etc.

It might sound silly but I think using a card isn't a great thing if you're trying to reduce your spending. I have a definite sensation of actually having spent money using cash that I don't get with the card.


I was actually part of the software development team at a company in Germany (G&D (http://www.gi-de.com/en/payment/digital/mobile-payment-solutions)) that were one of the first to enable payments by mobile phones, so I admit I'm a bit of a hypocrite when it comes to payment by Cash vs Digital payments

[Hibrandenburg]

I use cash quite a bit. Mainly, it's because I like to check my bank statements for what I'm spending my money on and can't be arsed raking through endless amounts of small payments, like a cup of coffee at Costa, etc.

It might sound silly but I think using a card isn't a great thing if you're trying to reduce your spending. I have a definite sensation of actually having spent money using cash that I don't get with the card.


I was actually part of the software development team at a company in Germany (G&D (http://www.gi-de.com/en/payment/digital/mobile-payment-solutions)) that were one of the first to enable payments by mobile phones, so I admit I'm a bit of a hypocrite when it comes to payment by Cash vs Digital payments

I'm the opposite, my bank statement is effectively a detailed list of all my outgoings no matter how small. I find it useful to keep track of where my money is going.

[speedy_gonzales]

I'm the opposite, my bank statement is effectively a detailed list of all my outgoings no matter how small. I find it useful to keep track of where my money is going.

I'm similar, everything is by card or contactless these days, no more statements with a Friday night ATM withdrawal and a foggy mind trying to figure out where it went.
My bank app even lets me filter out by purchase type (entertainment, dining, bars) or even by specific vendor (Costa, BP, Cineworld) so I can figure out where I've squandered virtually every penny.

[Speedy]

That's very kind of them. Do they pay the 4.5-5% interest on the 'change' that you could get if you saved it yourself? :dunno:

Often higher rates.

6% with RBS. 5% with Chase.

[superfurryhibby]

Small businesses, like my local barber and the Chinese takeaway, cash only, due to charges applied for card payment.

[Stairway 2 7]

Small businesses, like my local barber and the Chinese takeaway, cash only, due to charges applied for card payment.

Charges on sum up ect are about 1.7% per transaction. You get charged about the same to deposit and get change from a business account now. That's not including the man hours of sorting cash and going to the bank ect. Banks have you both ways now. Most contracts don't charge anything on contactless payments and that's the majority now.

Landlady of my local says she pays more fees on her cash than cards now and 80% and rising of her transactions are card

Dodging tax or money laundering are the biggest reasons for not taking card

[Jack]

I suppose everyone has seen the Facebook post by the Australian woman.

Basically if you go to a [local] shop or restaurant and and spend a £50 note that note will be used to pay suppliers and they will use it to pay suppliers and so on. That £50 will still be circulating at value £50 forever.

If everything was paid by card on all the payments a percentage is taken by the banks or card companies and eventually (after just 30 odd payments) that £50 disappears into the banks coffers.

Smaller businesses pay a higher transaction fee that larger ones so your wee independent pub is more affected by the use of cards that the likes of Wetherspoons.

The Australian banks didn't even challenge this but said their charges had become less over the years although they admitted they received more through higher use of cards.

[Scouse Hibee]

Small businesses, like my local barber and the Chinese takeaway, cash only, due to charges applied for card payment.

I don’t think that’s the real reason!

[superfurryhibby]

Charges on sum up ect are about 1.7% per transaction. You get charged about the same to deposit and get change from a business account now. That's not including the man hours of sorting cash and going to the bank ect. Banks have you both ways now. Most contracts don't charge anything on contactless payments and that's the majority now.

Landlady of my local says she pays more fees on her cash than cards now and 80% and rising of her transactions are card

Dodging tax or money laundering are the biggest reasons for not taking card

Nah, the boy ( a local guy) in the barbers tells me the charges are c5%. He's not laundering money. It may not be the banks themselves but the people who supply the means to pay, like the contactless device folk.

Not sure we can make sweeping statements about why people prefer cash, it takes one into waters that are murky

[grunt]

Can't remember the last time I paid for something using cash. Don't carry cash with me, haven't been to a cash machine since before COVID.

[Bostonhibby]

I suppose everyone has seen the Facebook post by the Australian woman.

Basically if you go to a [local] shop or restaurant and and spend a £50 note that note will be used to pay suppliers and they will use it to pay suppliers and so on. That £50 will still be circulating at value £50 forever.

If everything was paid by card on all the payments a percentage is taken by the banks or card companies and eventually (after just 30 odd payments) that £50 disappears into the banks coffers.

Smaller businesses pay a higher transaction fee that larger ones so your wee independent pub is more affected by the use of cards that the likes of Wetherspoons.

The Australian banks didn't even challenge this but said their charges had become less over the years although they admitted they received more through higher use of cards.An interesting thread. I knew there would be a big upside for the banks in this somewhere.

I still prefer cash for quite a few transactions and will continue to do so for the foreseeable future, knowing that it may not be what the banks want is a wee bonus.

Sent from my SM-A750FN using Tapatalk

[Stairway 2 7]

Nah, the boy ( a local guy) in the barbers tells me the charges are c5%. He's not laundering money. It may not be the banks themselves but the people who supply the means to pay, like the contactless device folk.

Not sure we can make sweeping statements about why people prefer cash, it takes one into waters that are murky

He's getting bumped. He can get it into his account from a few companies from 1.79% today and free for contactless.

I know 3 boys that have just started up a barbers in Dalry. They are contactless only, the 3 of them have a separate account on their phone and one sum up machine. You put it your tip if you want and tap and they get charged nothing

[Stairway 2 7]

An interesting thread. I knew there would be a big upside for the banks in this somewhere.

I still prefer cash for quite a few transactions and will continue to do so for the foreseeable future, knowing that it may not be what the banks want is a wee bonus.

Sent from my SM-A750FN using Tapatalk

The Facebook post isn't true. The banks have you both ways eg they charge 1.75% sometimes for change also charge to deposit.

I'd say if anything contactless will terrify the old school banks. With a cash business most will bank with somewhere with brick and mortar buildings for convenience. If you are card only you can go with a smaller online bank who gives you the best deal, like no charge for contactless.

I jumped from RBS as I realised I've not been in a bank in years, I've also not used cash in that time. I can go to whatever bank offers me the best rates as its all controlled by an app.

[Bostonhibby]

The Facebook post isn't true. The banks have you both ways eg they charge 1.75% sometimes for change also charge to deposit.

I'd say if anything contactless will terrify the old school banks. With a cash business most will bank with somewhere with brick and mortar buildings for convenience. If you are card only you can go with a smaller online bank who gives you the best deal, like no charge for contactless.

I jumped from RBS as I realised I've not been in a bank in years, I've also not used cash in that time. I can go to whatever bank offers me the best rates as its all controlled by an app.

Thanks for that, hadn't appreciated both sides. I have used First Direct since they started, a very good technology bank and a great service via the App and phone.

I have never been hit with the type of charges you refer to but I guess for business accounts it's different.

Sent from my SM-A750FN using Tapatalk

[Stairway 2 7]

Thanks for that, hadn't appreciated both sides. I have used First Direct since they started, a very good technology bank and a great service via the App and phone.

I have never been hit with the type of charges you refer to but I guess for business accounts it's different.

Sent from my SM-A750FN using Tapatalk

Yeah sorry that's for business accounts. Point is I think they have small businesses all ways as per, need to keep their bonuses rolling in

[Bostonhibby]

Yeah sorry that's for business accounts. Point is I think they have small businesses all ways as per, need to keep their bonuses rolling in[emoji106]

Captive audience to be milked, the standard British Cartel model then[emoji6]

Sent from my SM-A750FN using Tapatalk

[Jones28]

Small businesses, like my local barber and the Chinese takeaway, cash only, due to charges applied for card payment.

It's most definitely not that.

[Keith_M]

I'm the opposite, my bank statement is effectively a detailed list of all my outgoings no matter how small. I find it useful to keep track of where my money is going.


At my last job, I was helping write an app for mobile phones that (among other things) fetches all your bank transactions and groups them into various categories, so you can check your spending. The idea is you can set goals for spending groups and check your progress.

Unfortunately the company went bust (discussed this in another thread) but I think the general idea of the app would be really useful, to help people get a grip on their spending.

[superfurryhibby]

He's getting bumped. He can get it into his account from a few companies from 1.79% today and free for contactless.

I know 3 boys that have just started up a barbers in Dalry. They are contactless only, the 3 of them have a separate account on their phone and one sum up machine. You put it your tip if you want and tap and they get charged nothing

I may need to review my naivety levels on this one.

[blackpoolhibs]

We still use cash for going out and shopping, that could be because we both get paid a lot in cash.

Cash is king. :wink:

[wookie70]

I always try to pay cash for small purchases at independent shops. I keep a stash of coins in the car for parking and if anything goes wrong with my card. Enough to get me home and a snack. I'll often dip into that if I forget my card. Never paid for anything on my phone and if I am honest I would far rather we went back to cash in an envelope at the end of the working week, a blether with a bank teller or a check out worker. The digital work has already progressed further than I ever wished and the digitising of your money is just another way of maintaining control.

[Dmas]

Used to work in a cash centre until a couple years ago cash use dropped off a cliff after covid, was declining before covid but that sped it up massively money in and out halved or more no chance of it returning to pre covid levels.

I never use cash anymore, I would use it on a night out that’s about it I’m not even sure on the whereabouts of my bank card to be honest

[Itsnoteasy]

We still use cash for going out and shopping, that could be because we both get paid a lot in cash.

Cash is king. :wink:

Always has been & hopefully always will be.

[AltheHibby]

We've just been to the beach at Llantwit Major. No landlines and no signal = cash only at the cafe. There must be plenty of other places where cards aren't practical.

[Jones28]

We've just been to the beach at Llantwit Major. No landlines and no signal = cash only at the cafe. There must be plenty of other places where cards aren't practical.

High traffic areas with sketchy 4G. I was at the Turriff show and no one could get their card machines working because of it.

[grunt]

High traffic areas with sketchy 4G. I was at the Turriff show and no one could get their card machines working because of it.
Parking on Holy Island to visit Lindisfarne Castle. Parking machine only accepted payment by phone. Cue lots of bemused tourists standing around the machine waving their phones in the air.

[grunt]

Can't remember the last time I paid for something using cash. Don't carry cash with me, haven't been to a cash machine since before COVID.
And lo! Fish suppers to watch the Scotland game with last night, shop only takes cash! :greengrin

[Allant1981]

Just after reading this at the weekend I had an issue, wife and I were out for a meal at the weekend and my card declined in the restaurants terminal 3 times, twice with a tap and once putting my pin in, apparently they were having Internet issues so I had to wait until it got sorted before I could pay, maybe cash isn't so bad after all

[Moulin Yarns]

There's less cash being used since 2020,the vast majority of my sales are card now and without a card reader sales would be impossible.

[Hibbyradge]

Just after reading this at the weekend I had an issue, wife and I were out for a meal at the weekend and my card declined in the restaurants terminal 3 times, twice with a tap and once putting my pin in, apparently they were having Internet issues so I had to wait until it got sorted before I could pay, maybe cash isn't so bad after all

I'm all for not being able to pay in those circumstances. :wink:

[lapsedhibee]

Just after reading this at the weekend I had an issue, wife and I were out for a meal at the weekend and my card declined in the restaurants terminal 3 times, twice with a tap and once putting my pin in, apparently they were having Internet issues so I had to wait until it got sorted before I could pay, maybe cash isn't so bad after all

Did they not offer you washing-up as an alternative? :dunno:

[nonshinyfinish]

Got a taxi to a village in the middle of nowhere in France last week and the guy wanted €60. When we asked why there wasn't a meter he produced some meter app on his phone that showed €60. Managed to knock him down to €50 by paying cash, the difference being the card fees according to him…

This isn't really an argument for or against cash, just against grifters – the same trip on the way back was €39 in a taxi with an actual meter.

[Jack]

Interesting. Particularly the bit about free ATMs. For the life of me I can never find one abroad but that's another thread!

Cash payments rise for first time in 10 years

https://www.bbc.co.uk/news/business-66796263

[Stairway 2 7]

Interesting. Particularly the bit about free ATMs. For the life of me I can never find one abroad but that's another thread!

Cash payments rise for first time in 10 years

https://www.bbc.co.uk/news/business-66796263

Pretty striking graph.
27209

For abroad I've got a revolut card. I just tap ,it I've got it saved on my Google pay so usually just use that actually. As soon as you tap you get a ping on your phone and it converts what you've paid to sterling for you to see. Get a much better exchange rate that the high Street or banks also

Most places abroad take card now but can take out the wall if needed usually for free

[Jack]

Pretty striking graph.
27209

For abroad I've got a revolut card. I just tap ,it I've got it saved on my Google pay so usually just use that actually. As soon as you tap you get a ping on your phone and it converts what you've paid to sterling for you to see. Get a much better exchange rate that the high Street or banks also

Most places abroad take card now but can take out the wall if needed usually for free

Yeah, I have a Revolut card and agree as to how good it is. However its not much good for tipping the coach driver going to and from the airport!

I'm just back from Tenerife and failed to find a free machine. The charges ranged from €3.95 to €7.99! With charges like that it negates the great Revolut rate, particularly for smaller withdrawals. I tried loads of ATMs in Paphos earlier this year before I found one. Free ones are becoming quite rare.

[Stairway 2 7]

Yeah, I have a Revolut card and agree as to how good it is. However its not much good for tipping the coach driver going to and from the airport!

I'm just back from Tenerife and failed to find a free machine. The charges ranged from €3.95 to €7.99! With charges like that it negates the great Revolut rate, particularly for smaller withdrawals. I tried loads of ATMs in Paphos earlier this year before I found one. Free ones are becoming quite rare.

Yep that would wipe out the benefit if paying that. I look forward to everywhere going fully digital as I'm doing two countries next week and it's a pain getting cash for each. When you go your cruises do you get some cash for each stop. Thinking of doing my first next year

[Bishop Hibee]

I use my cards to pay for everything. Only time I regularly take cash out is for the barbers, workplace collections and my monthly poker game with mates. However as I type this I’m getting new carpets fitted and it’s cash only to pay the fitters.

[Jack]

Yep that would wipe out the benefit if paying that. I look forward to everywhere going fully digital as I'm doing two countries next week and it's a pain getting cash for each. When you go your cruises do you get some cash for each stop. Thinking of doing my first next year

I've only done repositioning cruises so away for a long time and lots of stops. Part of the precruise excitement is getting lots of different currencies 😆

I go online and order. There's sites like Martin Lewis where you can compare to see who's doing the best rates at the time. Probably just enough for a snack, coffee, beer, fridge magnate. How much will depend on how expensive the country is likely to be. In some places a premium will be added for using a card for smallish amounts. Bigger stuff goes on Revolut.

We spend a few days in the pre and post cruise locations and if there's more than a couple of stops in a particular country we'll look for a good exchange rate on Revolut in that currency, even months before, and load our cards. Don't exchange at the weekend when there's a premium added.

Enjoy your holiday and cruise when it comes.

[lapsedhibee]

I've only done repositioning cruises so away for a long time and lots of stops. Part of the precruise excitement is getting lots of different currencies 😆

I go online and order. There's sites like Martin Lewis where you can compare to see who's doing the best rates at the time. Probably just enough for a snack, coffee, beer, fridge magnate. How much will depend on how expensive the country is likely to be. In some places a premium will be added for using a card for smallish amounts. Bigger stuff goes on Revolut.

We spend a few days in the pre and post cruise locations and if there's more than a couple of stops in a particular country we'll look for a good exchange rate on Revolut in that currency, even months before, and load our cards. Don't exchange at the weekend when there's a premium added.

Enjoy your holiday and cruise when it comes.

Don't think you should be giving money to already-rich white goods merchants in this way. :tsk tsk: