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Cash or card?
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"I cannot recall the last time I withdrew cash, I think it was pre-covid! 
Do you still withdraw cash?
And why?
Yes, I'm a nosey bugger  "
Yes for small vendors , markets & buying from Facebook marketplace where I want to move the price , for local transport , taxi and eating out in many countries.
Here - for Chai or water taxi - both is 1 Dirham ( 20p) less than the transaction cost |
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I can’t remember the last time I used cash. We have coins, and use them to help the little one learn about money and arithmetic, but we hardly ever use them to you know, actually buy something. I haven’t yet progressed to using my phone or watch to pay for things though. Still switch with the cards - although when you say ‘switch’ to most people they don’t have a clue what you’re talking about. |
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By (user no longer on site) 11 weeks ago
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I pay for everything on my phone, but I do withdraw cash now and again and just stick it in a jar. Then if I'm doing something or going out, I have spare money to spend. |
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"I pay for everything on my phone, but I do withdraw cash now and again and just stick it in a jar. Then if I'm doing something or going out, I have spare money to spend. "
I also do this
I also slip a £20 into random clothes pockets in my wardrobe. A suit or overcoat and tend to forget about them till i wear the item of clothing. Its a nice little surprise. |
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I do most of my spending online, so it's more convenient for me to keep it in the bank.
I tend only to take out cash if I know I'm getting a taxi, since they usually prefer it, and sometimes I gift cash at Christmas.
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By *usie pTV/TS 11 weeks ago
taunton |
Cash every time out and about, only use card online, even more reluctant to use card since someone managed to get details and use it for several uber payments, luckily bank knew something was wrong and alerted me. |
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By (user no longer on site) 11 weeks ago
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I've never liked carrying money around. When chip & pin then contactless were introduced, it made me very happy.
I only really take out cash for my barber, because he prefers it and he's a nice bloke. |
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By *hief ScoutMan 11 weeks ago
The wild Border Country (....of Middx & Herts !!!) |
"I try and use cash as much as I can. As a small business owner the costs to actually take cards can cost as much as a member of staff. Where as it costs nothing to take cash unless banking it. "
Same here, though in my case I'm self employed and often ply my trade at markets/collectors fairs. I refuse to accept card payments for anything under £5. |
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By *opinovMan 11 weeks ago
Point Nemo, Cumbria |
It depends. If I'm paying for goods or services relating to work then I usually use card or direct transfer because it's easier to account them into allowable expenses. If it's for non-allowables, I always try to use cash to save the vendor transaction fees - fuck the banks. |
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By (user no longer on site) 11 weeks ago
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I withdrew cash in August and still have not used it all - but that's because many places no longer take cash. However, I use it for my barber and other small traders (he's only 5'3") |
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By *r TriomanMan 11 weeks ago
Chippenham Malmesbury area |
Yes OP, I still use cash even though I mainly use my card. My Barber gives me a discount if I pay by cash and local independent shops won't take cards as they get charged for card transactions. I also carry it incase of emergencies when I'm on my cycle touring holidays. |
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I recently went to a fab private party and was supposed to pay in cash when I got there. I parked my car, knew I had notes in my handbag (from pre-covid days!) grabbed one and stuck it in my bra to hand over to the host. In the light, I pulled out this 'note' and it turned out to be a receipt for a secondhand book I'd bought years ago and I was mildly embarrassed to try to hand anyone my old receipt but I realised in that moment that I'd forgotten what cash felt like that I couldn't even recognise it in the dark. Like a moron.
Long winded way to say I never use cash. |
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To keep small businesses afloat, I always use cash. Society is becoming more and more brain-dead, cashiers on the decline because of self serve machines, the worst thing that could happen would be for the country to turn cashless. |
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"I cannot recall the last time I withdrew cash, I think it was pre-covid!
Do you still withdraw cash?
And why?
Yes, I'm a nosey bugger "
I mainly use card but want to start using more cash. It's easier to budget and keep track of where your money is going |
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Always keep some cash on me, 1- chinese only takes cash. 2- my kids love arcades so always handy for that. 3- also kid related pocket money etc. I generally always use my card but as I say surprisingly cash is handy most weeks |
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By *usie pTV/TS 11 weeks ago
taunton |
I have on several occasions left goods and walked out because they won't take cash, was a difficult decision the day I had to leave a nice pasty behind, but fooking hell dare not have something like that pop up on the bank statement. |
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Many years ago I would always maintain £100 in my wallet to cover everyday things that may come up. I would say the main thing that changed this was when it became quite normal to pay card at pubs. Also so many places now thrust a card machine at you without even asking. So I just didn't need to keep going to the cash point to stock up.
However I still use cash a fair bit because of the places I go. But rather than just keeping cash in my wallet I go an withdraw it when needed. I still need it for places that are cash only. Some of the shops, restaurants and even a couple of swingers clubs that I go are cash only. And then there are lots of small businesses I use that I chose to take cash to. Because although they do take card cash is much preferred and this to me is good etiquette, especially when I am a regular. But petrol, supermarkets, chain restaurants etc I just pay card now.
Mr
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"I cannot recall the last time I withdrew cash, I think it was pre-covid!
Do you still withdraw cash?
And why?
Yes, I'm a nosey bugger "
I would like to have a lot of money to look at op
But the fact off money goes every where and so do the germs on them so I would go more contactless for me mr moneys dirty in mvho the Mr |
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By *bi HaiveMan 11 weeks ago
Forum Mod Cheeseville, Somerset |
"I still use cash as much as I can, although the convenience of just taping away is useful it doesn't help people keep track of what they are spending"
I mean.....it literally does. Usually the only way I remember how many rounds I've bought on a night out is to look at my banking app and see how many bar transactions are there.
As opposed to trying to remember if I spent £50 on tequila shots, kebabs or just dropped it in the back of a taxi. 🤷♂️ |
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Cash for everything unless I cant get it close by or majorly cheaper then I'll order mostly from Ebay, or if I need machinery parts for in the vanilla world again I'll try use cash but will order online if need be |
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I prefer cash….. obviously card / tap gets used as it’s more often in your hand already…. But maybe slightly old school to want to use cash….
That way there’s no charges to anyone …tips are a whole not a % …..
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By *ailor75Man 11 weeks ago
Brigg, near scunthorpe |
I always have cash on me , I have that thing were I feel daft if I go to pay for something on my card and it gets declined lol tbh it's never happend but it's always in the back of my head  |
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By *abluesbabyMan 11 weeks ago
Gibraltar/Cheshire/London |
I do still withdraw cash. I think its useful and practical to have both. Both have their pro's and cons - as everything does.
Many are advocating for cash to be phased out but when I was in Sainsburys this summer and their chip n pins went down they were VERY happy to accept the cash in my wallet allowing me to leave with all my shopping. Vast majority were either leaving their purchases behind, cherry picking essentials to the value of what cash they did have or having their trolleys stored in the cold room for them to return later with cash.
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I use cash as much as I can, when I use cash I depend on one else, my banking app is either crashed or under Maintance so cash is king to me and will be till I die.
Any shops or business planing credit only will be no longer used by me. |
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I've used cash w lot more this year and enjoyed it. It was helped by my new card having a faulty NFC transmitter fault. And its PIN seemed to have reverted to the first original one, not the one I'd changed the previous card to |
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I hate cash but do have it on me all the time, to pay in local markets or to donate to charity tins.
Oddly enough the cash is king brigade aren't too happy when they go shopping and you have to give them £18 change in pound coins as they all only have £20 notes and you have no banks in town to get changed  |
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"I cannot recall the last time I withdrew cash, I think it was pre-covid!
Do you still withdraw cash?
And why?
Yes, I'm a nosey bugger "
Cash is king !!!
Ten pounds cash will always be worth £10 cash
Where as £10 on a card reduces in value on every transaction |
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By (user no longer on site) 11 weeks ago
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I'm trying to use cash more and more. It's easier to budget, but mostly because I also hate the drive to a cashless society. And don't get me started on CBDCs!
I also flatly refuse to shop anywhere that won't accept cash even if I'm paying on card. |
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By *omRachCouple 11 weeks ago
Wirral |
There was a time not so long ago when Microsoft systems went down and a lot of businesses could not take card payments. Imagine the chaos if that glitch was more 'long term'.
Funny how they all wanted our cash then, |
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"I'm trying to use cash more and more. It's easier to budget, but mostly because I also hate the drive to a cashless society. And don't get me started on CBDCs!
I also flatly refuse to shop anywhere that won't accept cash even if I'm paying on card."
Yes the amount of corporate and state control over us that would come with a cashless society and CBDC doesn't bear thinking about
I recently went to a pub with a friend that neither of us had been to before, when our pints were poured and I came to pay I was informed they were cashless but there were no signs on the bar to warn would be customers of this. I then showed the barman my card and my phone and said they weren't my preferred payment methods and we walked out and onto the next pub and our cash was welcomed there!  |
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By (user no longer on site) 11 weeks ago
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"I'm trying to use cash more and more. It's easier to budget, but mostly because I also hate the drive to a cashless society. And don't get me started on CBDCs!
I also flatly refuse to shop anywhere that won't accept cash even if I'm paying on card.Yes the amount of corporate and state control over us that would come with a cashless society and CBDC doesn't bear thinking about
I recently went to a pub with a friend that neither of us had been to before, when our pints were poured and I came to pay I was informed they were cashless but there were no signs on the bar to warn would be customers of this. I then showed the barman my card and my phone and said they weren't my preferred payment methods and we walked out and onto the next pub and our cash was welcomed there! "
A restaurant near me went cashless and a big local online backlash resulted in then reversing the decision but it was too late and they went under. |
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By (user no longer on site) 11 weeks ago
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I use cash again wherever I can and try to avoid cashless hospitality places. Yes it's convenient to use cards BUT I don't like the loss of privacy or facility... Cash: use it or lose it! I certainly don't want to encourage the control of whoever might be in charge by being forced to use any sort of digital currency. It's coming, unless we resist it. |
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"I cannot recall the last time I withdrew cash, I think it was pre-covid!
Do you still withdraw cash?
And why?
Yes, I'm a nosey bugger "
The main place I use cash is for clubs, some don't takes cards, plus no digital trail. |
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By (user no longer on site) 11 weeks ago
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"plus no digital trail. "
You know on average, you're seen on CCTV like 50+ times per day as well? And bank notes can be traced from print to your pocket and beyond?
Not to mention constant use of social media and messaging apps.
It's pretty hard to not leave a digital trail these days lol. |
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"plus no digital trail.
You know on average, you're seen on CCTV like 50+ times per day as well? And bank notes can be traced from print to your pocket and beyond?
Not to mention constant use of social media and messaging apps.
It's pretty hard to not leave a digital trail these days lol."
Ok probably wrong wording, prevent questioning after a casual look at the bank statement by a partner then. |
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I have withdrawn cash but rarely, have been on the card on my phone for a while now. It's a godsend. What annoys is the Asian restaurants who refuse to accept cards usually cos they are dodging tax. Who really only accepts cash anymore? |
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By *ucka39Man 11 weeks ago
Newcastle |
"plus no digital trail.
You know on average, you're seen on CCTV like 50+ times per day as well? And bank notes can be traced from print to your pocket and beyond?
Not to mention constant use of social media and messaging apps.
It's pretty hard to not leave a digital trail these days lol."
Less chance that spending cash is going to leave a trail back to the person than using a card. Prints get covered by other prints and before so is no indication who was the last person 😂 |
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I prefer to use cash if possible especially in smaller local businesses. Many of them have signs up asking people to use cash because of the increased card charges they have to pay and some, especially takeaways, don't accept cards at all.
It's not always practical though so I'll use a card in larger outlets. |
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By (user no longer on site) 11 weeks ago
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"plus no digital trail.
You know on average, you're seen on CCTV like 50+ times per day as well? And bank notes can be traced from print to your pocket and beyond?
Not to mention constant use of social media and messaging apps.
It's pretty hard to not leave a digital trail these days lol.
Less chance that spending cash is going to leave a trail back to the person than using a card. Prints get covered by other prints and before so is no indication who was the last person 😂"
Err, serial numbers on the notes? Everything is traceable. They did this back in the 70's and 80's, they can do it now.
But yeah, fingerprints wouldn't be quite so easy, but still not impossible. |
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By *uzzleMan 11 weeks ago
Hastings |
Card for me, I haven't used cash for about 10 years.
I do think if you use cash, you're more likely to spend it. For example say you take £20 out and need to buy something at £11. Over the coming days you WILL spend the £9 and won't remember what on but its usually an impulse buy i.e. a to go coffee etc.
If you didn't have that excess cash in your wallet, you probably wouldn't have got that impulse coffee.
Also, people don't realise how filthy cash is. My cousin works for the local Council. They still accept cash in some machines but they used to be cash only. Every couple of days someone from the Council would empty the machines but they had to wear gloves. This was because it was known that people would fill something like a Fairy bottle with piss and squirt it through where you put the coins, basically as an objection to paying to park/high cost of parking.
Parking machine had to be disinfected along with the work area where they counted the coins at the Council. As for the coins, they were just bagged and the bank informed. I very much doubt the bank sent them away for cleaning.
This is why you should always wash your hands before putting something in your mouth..... |
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Card only here too.
I actively avoid using cash as much as possible.
How do I know that barber shop that takes cash isn't a front for money-laundering ?
How do I know that tradesman who wants cash isn't declaring their full earnings to HMRC ?
Card only. |
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By *ags73Man 11 weeks ago
glasgow-ish |
"Card as it’s less thinking.
It's the shrapnel for me, change rattling around everywhere. I don't miss that."
Have a nickel allergy so it looks weird when I have coins as I put food bags in my pockets 🤦♂️ |
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This story about barber's shops being set up for money laundering has certainly gathered momentum recently but is it necessarily true?
Fair enough, I can see why they might not wish to declare exactly how much cash they take but is that quite the same issue.
Problem is that statements made on line can all too easily become 'facts' without much supporting evidence. |
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"Cash is 👑
Isn't and hasn't been for years "
And yet every second shop on my local high street has a sign in the window saying exactly that because as a small business they are being stung by the card companies.
They all have hand written signs saying "Cash is king and is our preferred method of payment. As a small business we are no longer in a position to pay the transaction charges and would appreciate if customers could pay in cash".
Similar signs are also in shop windows in a nearby city and others as I already said above will not accept card payments at all. |
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By *ucka39Man 10 weeks ago
Newcastle |
"plus no digital trail.
You know on average, you're seen on CCTV like 50+ times per day as well? And bank notes can be traced from print to your pocket and beyond?
Not to mention constant use of social media and messaging apps.
It's pretty hard to not leave a digital trail these days lol.
Less chance that spending cash is going to leave a trail back to the person than using a card. Prints get covered by other prints and before so is no indication who was the last person 😂
Err, serial numbers on the notes? Everything is traceable. They did this back in the 70's and 80's, they can do it now.
But yeah, fingerprints wouldn't be quite so easy, but still not impossible."
Everything isn't traceable because it can be limited especially money because of the market, how it's exchanged from hand to hand serial number means nothing, other than when it was produced and if digitally scanned we aren't in the 70s or 80s it's more advanced |
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Cash points are few and far between these days and only really seem to be outside supermarkets which don’t really need or want you to pay in cash. The only time I withdraw cash now is if I’m going to the barbers as he prefers cash. |
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By *ucka39Man 10 weeks ago
Newcastle |
"is using cash a cover up the cost or somewhere you have been?
I went to a club and it showed on the statement exactly where I had been"
Cards are part of your profile as a human just like paying tax leaving behind a trail |
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It was on the radio last week that cash sales have gone up by 30%, not sure if it's the banks trying to counter the use of cash but I was able to draw £350 out of a ATM, in the last week that has gone down to £250 |
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"Combination theses days, don’t feel right if I haven’t got cash on me, old fashioned.
I need to look it up, but as it’s legal tender, not sure if any establishment can legally refuse cash. "
Any business can refuse what they like. Legal tender doesn't mean a place has to accept it. The only time cash can't be refused is paying off a personal debt apparently. |
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Generally we both use card as cash machines are generally hard to come by these days and we find it easier having that electronic bank trail for budgeting.
Mr sometimes has cash for those people who don't take card - market traders, barbers etc but most of everything is on card.
C xoxo |
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"I cannot recall the last time I withdrew cash, I think it was pre-covid!
Do you still withdraw cash?
And why?
Yes, I'm a nosey bugger "
The last time I withdrew cash was probably 7 years ago. I remember that I bought something and the person wanted cash. |
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"I try and use cash as much as I can. As a small business owner the costs to actually take cards can cost as much as a member of staff. Where as it costs nothing to take cash unless banking it. "
not a business owner but wholly agree - I try and use it whenever I can - minimises costs for local suppliers and isn't trackable. |
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By *ags73Man 9 weeks ago
glasgow-ish |
I take cash out for pubs or if I’m going to things like markets.
Rest of time I don’t have an issue using card and it’s quicker and easier for most things.
I don’t see any conspiracy on a cashless society and think both have their place |
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