Carrying Cash or just Bank card

I don’t carry a card or cash. It’s all on my iPhone or Apple Watch. That’s all loyalty, credit and debit cards.

I carry both! I would not want to be dependent on either one or the other. Technology is great when it works - but real money is useful in emergencies, and for small purchases.

As others have said, some people can't cope with cards only, and in my mind, options are always worth having!

Hardly ever carry cash, especially after having my purse stolen a few years ago when out in a town Christmas shopping. I was able to cancel the cards as soon as I realised, had there been any cash I would have lost it. I was very careful at putting my purse away so I was annoyed that this happened. I now always make sure my purse is at the bottom of my bag and covered over.

Use cash or lose it.
We are heading for a digital currency, which could be used as a form of control particularly when we have a government advocating lockdowns and the green agenda. A digital currency could also be a platform for a Social Credit System as seen in China.

I agree with your comments Lulubelle500. I use both, but am very concerned that cash could be fazed out. Many many people are unable to use debit or credit cards...how are they supposed to cope? I would never dream of using a card to pay for something like a newspaper with a card. I do agree they are convenient and also carry mine in phone case. But, always carry cash. Hope I never lose my phone case!! Always amazed at the amount of people who pay with a card and wave away the receipt. Also what happens when the computer systems crash! Shop says system is down! Have you thought you are giving banks and shops etc all your personal purchasing habits, big brother will soon know our every move and purchase. Cash and cards should be acceptable everywhere.

I haven’t used cash for a couple of years. I only take my phone out with me and use Apple Pay, safer than a card as requires fingerprint or Face ID.

I use a bit of both, cash for just a newspaper, card for big weekly shop. My sister needed the loo on a day out in a touristy town and had to use her card for 20 or 30p to use them.

Hardly ever have cash, occasionally when I know they dont take cards I may have cash but cash weighs a lot and takes up too much room in my purse I think.Its safer with cards and contantless is so good during the pandemic.

I remember my father telling me that unless you had enough money on you to pay for a night's accommodation, you could be classed as a vagrant! I suppose having a credit or debit card would count instead these days.

I keep a few pounds in cash because our local newsagent will only accept cards if you spend over £5. Sometimes I just want a birthday card or some sweets for the GC. Pretty much everywhere else takes cards.

Most of the time, unless I’m going a big shop, I just bring my phone and use Apple Pay. No purse, no card.

I'm a bit at the number of people saying their hairdresser or takeaway or whatever only take cash.

You do know that they're evading paying tax, right?

Some taxi firms round here have apps so you can pay in advance.

I had to order a taxi last week, and was relieved when he said I could pay by card.
Apparently, most cab firms accept this now.

I have an emergency £20 note hidden in my car! Was very useful when I dashed out of the house one day and realised the credit card I thought was in a pocket in my phone was actually on the arm of my chair after ordering something online!

I use both cash and card, though prefer using cash.

It's easier to keep track of and my mobile hairdresser and local takeaway only take cash.

If there is a problem with your card, how long will you have to wait until it's resolved? You could be stuck without any means of payment until a new card arrives.

It's important that everyone keeps using cash at least occasionally, I don't like the idea of a completely cashless society. You know where you are with cash.

We only carry cards now. Even our window cleaner takes card and we pay our cleaner by standing order every week.

I don’t feel unsafe with cash but all the banks and cash machines in a 10 mile radius have closed - thanks NatWest! The Co-op have stopped giving cash back and the only other local cash machine is old and dodgy and is well known for eating cards. So I don’t often queue at the PO for cash as even the window cleaner, market stalls, and chip shop take cards. I did get caught out yesterday when a minor garment repair was cash only but it doesn’t happen often. We did ask in a restaurant and a card tip didn’t go to a specific server but kitchen staff got a share which they thought was fairer.

I carry my phone which has compartments for several cards and usually around £40 cash at all times.

Supermarkets and shops, hairdressers and window cleaners take cards, but a card is no use for very small purchases, or for buying from a casual seller at a car boot sale or from a craft fair. Anyone who makes things on a larger scale or provides a service more frequently will get a card reader and set themselves up as a business with the necessary tax links and accounting resources, but a mother making cakes for a school fundraising event, or a church member manning a bric-a-brac stall at the church fair won't do that. With Christmas approaching and lots of people making crafts in a small way, there will be a need for cash in the next few months.

Sheilasue

I keep a small amount on me in case I buy something under a fiver some places won’t accept a card for that amount.

The reason for that is to make you spend more.

When I worked in a school the canteen was cashless, presumably to prevent bullying. Although parents could top up their childrens accounts online there was no facility for staff to do that. If I forgot to go to a cashpoint I couldn't buy lunch as the lunchbreak was too short to go out. Since retirement and the pandemic though, I increasingly use a card for everything, even very small amounts as many places discourage cash payments. If I pop to the local convenience store I often don't take my purse - I stick my card in my bra!

I have always preferred to take out my housekeeping money in cash at the beginning of the month. I found and still find it easier to keep track of expenditure this way.

However, here during the height of the pandemic, shops were asking customers not to pay in cash and some places, such as the pharmacy, was simply refusing to take cash. So we had perforce to use our cards.

It went better than I had expected, but I can't say I cared for it and I am certainly not considering paypal or the like!

In the past few years we have only used cash for the shopping trolley and the occasional taxi, everything else is paid for by card and internet banking. I used to pay the hairdressers with cash but they got a card machine during the pandemic when they reopened the shop. Before the pandemic we visited family in Devon and gave a great nephew money for his two little girls, I don’t recollect using cash for much else for at least four years. We send our youngest grandchildren’s pocket money to their parents by Internet banking and also any gifts of money to family the same way. I used to have a jar for collecting coins from change, it is half full but I can’t see it being filled up now. I used to feel uneasy withdrawing large amounts of cash from a cash machine and I’m glad that is a thing of the past, I can’t remember the last time I went to the bank.

Need cash for mobile hairdresser, fish man who calls weekly, paying farmer for caravan site(small 5 van site). Odds and ends when out and about. Mainly use card though.