Carrying Cash or just Bank card

The only time I use cash is for kids birthdays and I raid my husbands wallet. i have not had cash in my purse in ages but he does as some of his jobs pay him in cash

"I like a few pounds in coins. Handy for putting in a charity box or for a tip after paying by card at the hair salon, bar or restaurant. I dare say tipping is becoming obsolete nowadays now people just pay by card."

Tipping definitely not obsolete, just add the tip to the card payment and whoever it is you are paying take that surplus amount out of the till. Lots of places give you the option and prompt you to tip.

Cash is so much more convenient because no paperwork is necessary. I do use cards often, but always credit cards for preference as they do not allow direct access to my bank account. At the end of every month I check paper receipts against statements, and soon spot any problem. One day, our vulnerability to power failure or to hacking attack will make cash a necessity, so I would always keep some by me.

I use both. My hairdresser must be unusual as he only accepts cash. I pay the window cleaner in cash. I also need cash for paying for my yoga & dance fitness classes & my ladies groups. I also use cash to buy newspapers & other purchases from my corner shop, also cash is used for paying for tea & biscuits at work.

I carry a couple of ponds in cash as parking machines need paying. I also keep a few pounds in the house for hairdresser and window cleaner. Everything else is paid by card.

When shops stated preference for card payments I mean!

I keep my bank card in my mobile phone holder and use it now, my purse has been redundant since Covid arrived as some shops preferred cards. I keep a tiny coin purse at the bottom of my handbag and use it for tips when out for lunch, hairdresser, etc.

I refused to use contactless payments until I was worn down by Lockdown, but it still worries me. How do you prove a negative? Banks can make mistakes. I wonder how many people check every contactless payment carefully.

And my hairdresser charges £43 for a cut and blow dry, but only takes cash. I keep pounds for supermarket trollies, charity boxes etc and like to pay for small items by cash as otherwise trawling through loads of contactless payments in bank statements would be useless as I wouldn't remember what every transaction was for, and therefore couldn't be sure they were accurate. And how would I give my grandsons the occasional bit of money?

Since the start of the pandemic when shops stated a preference for cash payments I rarely use cash. I have my bank card in my phone wallet and keep an emergency £10 note tucked in there.

I dont even carry a card! I have apple pay on my iphone with all my cards on there and use that to pay for virtually everything! We did need a pound coin the other day to pay for swimming locker for DGS lesson luckily DH still carries cash!

Haven't used cash for years, never have any on me, not even small change. There's no need, you can even pay bus fares by card now.

Always use a card but make sure I have cash for a carpark that does not have card payment at the machine...

I use both. I prefer cash a I can remember spending it. Contactless spending is too quick and it's easy to forget you when out for a couple of items and ended up buying a couple of carrierbags full.

It's not a moral issue with me particularly but if a service doesnt accept cards I just dont use them again.

I must be an antique ! I wrote three cheques yesterday !

I can't remember when I last used cash (or cheques) - must be years ago. I just take my card and keys when I go out.

I refuse to pay workmen, window cleaners, hairdresser or cabs with cash - as I believe that everyone should pay their fair share of income tax, just like me!

I'm about 50/50 because it depends which one of us has the bank card...

We really need to sort that out

I always carry some cash, I need to know I can get home if my card is lost or declined.

I carry cash for the lovely lady who supplies my fresh eggs, the window cleaner, the hairdresser and the musicians in town; some of them are amazingly good.

I use both.

I think that electronic payments are vulnerable to IT and electricity supply failures. Cards also provide yet another way of tracking one's movements and purchases.

The mistaken notion that covid could be caught by contact with infected surfaces has pushed people into using card payments much more than they might have done pre covid.

There are still times when cash is essential for me, such as buying from the local outdoor market. I'm using more again as shops are happier to accept it than they were a year ago. I would hate to see cash disappear.

I use google pay on my phone + credit card for big amounts also Bacs for almost everything these days but I do keep some cash in the house just in case we have a problem with the bank.

I hope both continue to be available for a long time yet.
I do mainly use cards now, but there are still times when cash is needed.

Germany is notorious for its wariness of cards and anything other than cash. I usually have about €200-300 on me.

Since the pandemic, people have been encouraged to avoid cash and many shops (especially the large chains) have enabled payment by phone, skipping the card system altogether (I am not happy with this and haven't enabled it yet).

But the thought of having less than €100 on me at any time is just not in the local mentality.

When I first moved here I remember being told that, as a foreigner, you are obliged to always have at least DM5.00 on you at all times. I have no idea if that was ever true, or if it still applies and what the minimum amount is these days.

I feel safer with cash than with a card. If cash is gone, it's gone and you can't lose any more and the thief has no connection to you. If your card is gone, the sluice gates are opened and anything can happen.

Many people still don't have a bank acount, let alone a card.

MayBee70

On the subject of cash I got a lot of cash from the post office at the start of the pandemic and I’ve realised many of the £20 notes are old ones which need to be replaced. Does anyone know if shops are still accepting the old ones? It’s only when I gave one to DH to pay for something that I realised I had so many.

You still have until 22 September 2022 to spend them, Maybee.