FabSwingers.com forum: Card v cash payment

By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

are you starting to use card more and carry less cash?

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By *iss3BWoman
over a year ago

north down

"are you starting to use card more and carry less cash?"

I use my phone

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By (user no longer on site)
over a year ago

"are you starting to use card more and carry less cash?

I use my phone "

This! Dont even need to bring a wallet out now just phone & keys. Limit going up to £100 means day to day shopping and rounds when your out are covered easily now!

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

when you register card to phone, do you use Google pay?

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By (user no longer on site)
over a year ago

I recently had to pay the annual landscaping fees for my estate.

It had to be cash.

I can't actually remember the last time before it that I used an ATM and holding a bundle of notes felt weird.

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By *j47Man
over a year ago

limerick

Cash is king

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By (user no longer on site)
over a year ago

"when you register card to phone, do you use Google pay?"

Yah! Takes 2 minutes, you will likely get a verification code from your bank when you add the card & after that your set

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By *oserMan
over a year ago

where the wild roses grow

"I recently had to pay the annual landscaping fees for my estate.

It had to be cash.

I can't actually remember the last time before it that I used an ATM and holding a bundle of notes felt weird."

Lol Now theres a back pocket doing very well for itself.

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

"when you register card to phone, do you use Google pay?

Yah! Takes 2 minutes, you will likely get a verification code from your bank when you add the card & after that your set"
would it be safer to set revolut card to Google pay instead of normal bank card?

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By (user no longer on site)
over a year ago

"I recently had to pay the annual landscaping fees for my estate.

It had to be cash.

I can't actually remember the last time before it that I used an ATM and holding a bundle of notes felt weird.

Lol Now theres a back pocket doing very well for itself.

Nah I got a legitimate receipt and everything... I've never met a landscaper who carried a card machine to be honest

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By *scouple07Couple
over a year ago

louth, Ireland

We both use Revolut on our phones, hardly ever have cash now

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By *iss3BWoman
over a year ago

north down

"when you register card to phone, do you use Google pay?

Yah! Takes 2 minutes, you will likely get a verification code from your bank when you add the card & after that your setwould it be safer to set revolut card to Google pay instead of normal bank card?"

I've all my cards including loyalty ones saved to it

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

"when you register card to phone, do you use Google pay?

I've all my cards including loyalty ones saved to it "
cheers

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By (user no longer on site)
over a year ago

You can set a certain card as you default btw ie your main account.

Then if you want to use another card to pay for a seperate transaction just select that from your Google wallet

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By *scouple07Couple
over a year ago

louth, Ireland

Not a hope I'd have my bank card on phone, what happens if your phone is stolen? Wouldn't take long for bank to be cleared out

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

if you have revolut and normal bank card on phone and phones stolen. what happens then?

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By *iss3BWoman
over a year ago

north down

"Not a hope I'd have my bank card on phone, what happens if your phone is stolen? Wouldn't take long for bank to be cleared out

I've never money in mine lol

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By (user no longer on site)
over a year ago

"Not a hope I'd have my bank card on phone, what happens if your phone is stolen? Wouldn't take long for bank to be cleared out

Your phone has to be unlocked to pay so if you have a lock screen then its as good as a pin....even better protection than a card given you can tap a card if you loose it

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By *scouple07Couple
over a year ago

louth, Ireland

"Not a hope I'd have my bank card on phone, what happens if your phone is stolen? Wouldn't take long for bank to be cleared out

Your phone has to be unlocked to pay so if you have a lock screen then its as good as a pin....even better protection than a card given you can tap a card if you loose it "

Still don't trust it, we have revolut and we top it up like phone credit and use that to pay for things

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

I have my revolut card now linked to G pay. I have money topped into that to use when I need to spend

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By *osmicGateMan
over a year ago

louth

"are you starting to use card more and carry less cash?"

Always use card now tap and go if it's under €50

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By *oey4somefunMan
over a year ago

Dublin/Drogheda

I very rarely carry cash anymore, seems to be a thing of the past. Phone and card for me.

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By *og-ManMan
over a year ago

somewhere

Pain in the arse when the shop says you have to spend more than a tenner on your credit card ....can understand why but still

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By *unfunfun222Man
over a year ago

Galway/Mayo

I always use my revolut, I can't remember the last time I withdrew cash from the atm or even used cash actually but its the way its going everyone is using card now

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By *eralt80Man
over a year ago

cork

"Pain in the arse when the shop says you have to spend more than a tenner on your credit card ....can understand why but still "

That’s BS Bogman, I often just get a coffee and pay by card and all it costs is €2.50

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By *og-ManMan
over a year ago

somewhere

"Pain in the arse when the shop says you have to spend more than a tenner on your credit card ....can understand why but still

That’s BS Bogman, I often just get a coffee and pay by card and all it costs is €2.50"

2 of my local shops wont take less than a tenner on a card

I've given up on them and hit the petrol station

One of the shops has an 80p pupil secondary school next door do it might be that to stop them

I wonder what the bank charges the shop

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By *eralt80Man
over a year ago

cork

"Pain in the arse when the shop says you have to spend more than a tenner on your credit card ....can understand why but still

That’s BS Bogman, I often just get a coffee and pay by card and all it costs is €2.50

2 of my local shops wont take less than a tenner on a card

I've given up on them and hit the petrol station

One of the shops has an 80p pupil secondary school next door do it might be that to stop them

I wonder what the bank charges the shop "

The other side of that though is the shop isn’t having to handle large amounts of cash. My local branch of BOI is one of the ones closing so any shops won’t have to hold onto large sums of money until they get to lodge it somewhere

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By *ercc63Man
over a year ago

Hillsborough

Cash is King - and much more discreet - no records !!

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By *oxyvixen99Woman
over a year ago

Newtownabbey

Phone

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By (user no longer on site)
over a year ago

I use cash and card, have revolut only keep.small amount in it but transfer money in if buying anything online and in sterling, find it great for weekend away too transfer my spending budget and leave bank card at home

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By (user no longer on site)
over a year ago

Cash and card here. Some services I use are cash only unfortunately

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By *ilverfox74Man
over a year ago

dublin offaly

Card 99%of the time especially since COVID. Very rarely carry cask anymore.

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By *ol_ieMan
over a year ago

Dublin west

Revolute on the phone all the way. Way safer than card or cash as phone has to be unlocked and you can lock a Revolute account in seconds if you can't find the card and unlock it again when you do.

Transfer what you need when you need it.

Great for travel as fees for foreign exchanges are way better or keep an account in more than one currency.

Hardly used cash since covid started.

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By *hiteKniteMan
over a year ago

Nearby

[Removed by poster at 07/09/21 20:58:43]

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By (user no longer on site)
over a year ago

Camels still for me. There's been a run on them lately!

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By *ka ..Agent k ..Man
over a year ago

Most of the time it's Johnny cash and the old famous cheque book

Cards are wide open to fraudulent scammers now days got cought twice as past few years so it's a no no for me.

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By *dfabMan
over a year ago

Dunboyne

Personal phone has banking app. Work phone has Revolut and Google Pay that's linked to Revolut card.

Only ever top up Revolut by what I need.

That's after ordinary debit card was compromised twice in 3mts. No problems since and I'll be continuing with this method.

Plus I've saved €200 in some Revolut savings account

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By *he SophisticatsCouple
over a year ago

Casa Del Fun

Literally use the phone for almost everything…

Have all card in the ‘wallet’ and feel secure that it can’t be accessed (Face ID and a Strong code)

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By *cottybear74Man
over a year ago

kilkenny

Cash cash cash

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By (user no longer on site)
over a year ago

Bloody drug dealer still wants cash. You think he move with the times

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By *rotic desiresWoman
over a year ago

Here and there

Cash wherever possible!

Cashless society seems to be where we're heading - the only people profiting is the revenue! And big brother is watching ALL your incoming and outgoing, just remember that, especially if you're ever in trouble

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By *og-ManMan
over a year ago

somewhere

"Cash wherever possible!

The revenue know how much I earn every year

What ( who ) is big brother and why does he want to know how much I spend on tin foil hats

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By *oghunter33Woman
over a year ago

on the hill NordWest of

"Cash is king "

Yup I'm with CJ on that one, cash is king.

Every fecking bank/card transfer you're being charged for as if we're not paying enough already. Plus nobody's business where I spend my money, no traces with cash ...

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By *ergalMan
over a year ago

East Cork

Google pay on the phone, handy out. Have cash the odd time if needed

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By *og-ManMan
over a year ago

somewhere

I'm genuinely amazed that people get worked up about spending money so that no one knows what they are buying

I get the bank charges or card charges thing so I put about 90 % of my spend on a credit card ...no charges

I don't understand the big brother thing at all

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By (user no longer on site)
over a year ago

"I'm genuinely amazed that people get worked up about spending money so that no one knows what they are buying

I get the bank charges or card charges thing so I put about 90 % of my spend on a credit card ...no charges

I don't understand the big brother thing at all

I agree

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By (user no longer on site)
over a year ago

"I'm genuinely amazed that people get worked up about spending money so that no one knows what they are buying

I get the bank charges or card charges thing so I put about 90 % of my spend on a credit card ...no charges

I don't understand the big brother thing at all

Anyone analysing what I buy would be bored AF but if the frequency with which I buy cereal and cat food gives them their kicks then more power to their wee wheel

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By *rotic desiresWoman
over a year ago

Here and there

"Cash wherever possible!

The revenue know how much I earn every year

What ( who ) is big brother and why does he want to know how much I spend on tin foil hats "

I'm not sure where you get tinfoil hat out of this!? Of course the revenue know what you earn!

I'd be surprised if you didn't have family or friends who do the odd "nixer" for cash in whatever trade they operate in, and plenty of those trades out there - be that fixing cars, work on houses, gardens, odd jobs, the hairdressing industry etc whereby people, particularly in these trying times of high unemployment rates, earn a little extra without declaring it to be able to put their children through college, pay for that boiler to be fixed, fill up the oil tank, earn the spending money for that well deserved holiday or, god forbid, to spice up that state pension after you've been screwed over for redundancy or Lord knows what!

Do you never get tradespeople in the house and a cheaper rate for paying in cash?! I do! I'm sure plenty here do too! You keep paying everything with card alongside everyone else, cash is gone as are cash deals and all these things are taxed, taxed, taxed and the only people profiting are the revenue and the small people trying to survive, hanging on by a thread are left to rot as they always are!

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By *rownForFunMan
over a year ago

Near Toulouse

Never have cash with me

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By *ealitybitesMan
over a year ago

Belfast

Never used a phone app to pay for anything mainly because I always seem to be stuck in a queue behind someone with an app that doesn't work.

Lidl last week with only one till open and one person in front of me took almost 15 mins to clear.

Three or four attempts with the app before digging through her bag to find her card. It wouldn't tap and she tried her pin number a few times before leaving her goods to run out to the car for cash. I normally use a card but always carry cash for anything under a fiver and to avoid a situation like above.

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By *og-ManMan
over a year ago

somewhere

Erotic desires

I actually understand where you're coming from on that now that you've explained it so well

I could never figure out why big brother wanted to know how much toilet paper or shampoo I buy ....thats what I thought people were going on about hence the tin foil hat...thought they were bonkers

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By *oghunter33Woman
over a year ago

on the hill NordWest of

"I'm genuinely amazed that people get worked up about spending money so that no one knows what they are buying

I get the bank charges or card charges thing so I put about 90 % of my spend on a credit card ...no charges

I don't understand the big brother thing at all

Have you ever been to Lidl or Tesco and shortly after you get a pop up message asking for your shopping experience? I know it's linked to your location on the phone and not the bank card but I find those things creepy and it shows you how far we have come. Or you google zimmerframe and next time you're reading ie an online newspaper you get zimmerframe adds.

I've nothing to hide if you want to say so (beside some cash deals that cut out the vat) but I also don't want to be traced for every step I do, nor do I want to be constantly targeted. I've no Tesco/Lidl/Aldi/Dunnes etc. club card for the same reason. I don't do Facebook for the same reason etc.

Almost every data is being analysed nowadays for all sorts of purposes, from simple target marketing, over prosecution up to politcal manipulation. Now and then it emerges in personal data scandals, leaks and hacks and it gives you a glimpse of what goes on behind the scenes and the scale of it. If you don't/can't see that and if it doesn't make you slightly uneasy, well what can I say...

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By (user no longer on site)
over a year ago

"Cash wherever possible!

The revenue know how much I earn every year

What ( who ) is big brother and why does he want to know how much I spend on tin foil hats

I'm not sure where you get tinfoil hat out of this!? Of course the revenue know what you earn!

As regards people paying me it's almost all card transactions . Love when I do get cash. Can hide it under the mattress

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By *og-ManMan
over a year ago

somewhere

I've never been targeted after a shop but I don't use a club card and assumed thats what's targeted

I do get earwax,funny feckin 3D shirts and banana's that can clear my bowels on a regular basis on the phone...fecked if i know where they come from

I know I'm followed everywhere I go by Google,it sends me a monthly reminder of where I've been

It messages me when I go into a new shopping centre and tells me when to leave for work to best traffic

I don't care to be honest

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By *rotic desiresWoman
over a year ago

Here and there

"Erotic desires

I actually understand where you're coming from on that now that you've explained it so well

I could never figure out why big brother wanted to know how much toilet paper or shampoo I buy ....thats what I thought people were going on about hence the tin foil hat...thought they were bonkers "

Thank you!

I agree 100% with Doghunter too though!

I urge everyone who enjoys being able to get better cash deals with getting their motors, homes and gardens fixed, their hair and face and nails done etc to USE CASH - wherever HUMANLY possible!!! Ditch the card, wherever humanly possible!

Cash is king. I only use card if I'm purchasing online, purchasing electronics or equipment I need to be able to have better comeback on with regards to warranty or my direct debit bills for phone and electricity.

Otherwise cash all the way.

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By *ealitybitesMan
over a year ago

Belfast

Growing up where I did, big brother really was watching and listening so I'm well used to having things repeated back to me that were said in private discussions.

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By (user no longer on site)
over a year ago

Spare a thought for the poor muggers and pickpockets!

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By *oghunter33Woman
over a year ago

on the hill NordWest of

"DH

I've never been targeted after a shop but I don't use a club card and assumed thats what's targeted

I do get earwax,funny feckin 3D shirts and banana's that can clear my bowels on a regular basis on the phone...fecked if i know where they come from

I know I'm followed everywhere I go by Google,it sends me a monthly reminder of where I've been

It messages me when I go into a new shopping centre and tells me when to leave for work to best traffic

I don't care to be honest "

Your entitlement of course.

I believe a healthy critical attitude is important to keep things at bay, the past shows how easily things can go wrong. Unfortunately any concern nowadays is easily labelled as tinfoil hat stuff and drives division, which is in itself rather worrisome. Personal freedom, personal data protection, freedom of speech, freedom of information etc. are things we take for granted but they get constantly attacked in one way or the other and we should carefully watch over them, they are building blocks of our democracy and important to achieve/maintain a somehow 'equal' society ie a cashless society marginalises those further that are already on the edges.

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By *rotic desiresWoman
over a year ago

Here and there

"DH

I've never been targeted after a shop but I don't use a club card and assumed thats what's targeted

I do get earwax,funny feckin 3D shirts and banana's that can clear my bowels on a regular basis on the phone...fecked if i know where they come from

I know I'm followed everywhere I go by Google,it sends me a monthly reminder of where I've been

It messages me when I go into a new shopping centre and tells me when to leave for work to best traffic

I don't care to be honest

Your entitlement of course.

Your insights are always on par! I couldn't agree with you more!!! Thank you

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

is there card charges only when u spend above a certain amount?

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By *oghunter33Woman
over a year ago

on the hill NordWest of

"is there card charges only when u spend above a certain amount?"

Lol, no, but the amount you're charged depends which bank you're with.

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By *oft_sexy_sweetWoman
over a year ago

Dublin

"Not a hope I'd have my bank card on phone, what happens if your phone is stolen? Wouldn't take long for bank to be cleared out

Your phone has to be unlocked to pay so if you have a lock screen then its as good as a pin....even better protection than a card given you can tap a card if you loose it

Still don't trust it, we have revolut and we top it up like phone credit and use that to pay for things"

Yeah and if you link that Revolut card to your phone, it's still safer than carrying the card. Because if your phone gets stolen, they need your fingerprint to unlock your phone to tap it. It doesn't tap if the phone is locked.

Also, you can now log into Revolut or online banking and freeze your cards immediately (without cancelling them) so they can't be used at all. As well as logging into your phone remotely to lock or wipe it.

A stolen card can be tapped up to 100 euro PLUS used for online shopping (since they have ALL your details, which they wouldn't have via your phone) before you'd even know it was missing.

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By *rotic desiresWoman
over a year ago

Here and there

"is there card charges only when u spend above a certain amount?"

What you are charged depends on the bank/post office/credit union etc you bank with. Believe me, it pays to shop around where banking fees are concerned, just like it does when you're renewing your car insurance, when your mobile/landline contract or electric/gas supply contract expires etc!

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By (user no longer on site)
over a year ago

"is there card charges only when u spend above a certain amount?

Lol, no, but the amount you're charged depends which bank you're with. "

Switch to a bank with no fees.....such as N26. No excuse to stay with an Irish bank that charges bank fees that is using legacy IT tech. Irish banks are playing serious catchup with the likes of N26/Revolut in relation to App tech......and the Irish banks charge you for the service

Feck That!

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By *rotic desiresWoman
over a year ago

Here and there

"Not a hope I'd have my bank card on phone, what happens if your phone is stolen? Wouldn't take long for bank to be cleared out

Your phone has to be unlocked to pay so if you have a lock screen then its as good as a pin....even better protection than a card given you can tap a card if you loose it

Still don't trust it, we have revolut and we top it up like phone credit and use that to pay for things

A stolen card can be tapped up to 100 euro PLUS used for online shopping (since they have ALL your details, which they wouldn't have via your phone) before you'd even know it was missing. "

That's based on the assumption you own a phone with the fingerprint function.

Do that many have a phone with that function or use it if they have it - I don't

. I rarely see anyone around me not tapping a code or pattern rather than using the fingerprint if they use that security layer at all!?!

Isn't it as easy to lose or have a phone stolen as it is your purse/wallet/handbag? Suppose it depends on the individual. I carry my phone separately from my purse.

Not sure how easy it is to hack a phone and get into the apps. I'd say it's easier to get conned out of money with other scams than having a phone stolen to use apps for stealing money.

Anyway, I carry cash, card and phone. The function to use the tap service on my cards is disabled!!! I'd advise anyone to have that function disabled for security purposes!!! and my phone has a lock on it, all my vulnerable apps have an additional but different lock on it to boost security. Also when I shop online with my credit card, I have to respond to a push notification on my phone, or no purchase!

I'm the kind to have a little cash for emergencies hidden in places should I ever lose or have purse stolen.

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By *og-ManMan
over a year ago

somewhere

"is there card charges only when u spend above a certain amount?

Lol, no, but the amount you're charged depends which bank you're with.

Feck That!"

I pay €72 a year for my account and have credit cards,mortgage with the same bank and all my kids are with them too

I just prefer using a local bank instead of just online in case anything goes wrong

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By (user no longer on site)
over a year ago

I'd rarely use cash nowadays it just keeps burning holes in my pockets

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By *rotic desiresWoman
over a year ago

Here and there

"I'd rarely use cash nowadays it just keeps burning holes in my pockets"

I'm sure there'll be a few offers to make sure that doesn't happen

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By *inxnmasterCouple
over a year ago

naughty valley

"DH

I've never been targeted after a shop but I don't use a club card and assumed thats what's targeted

I do get earwax,funny feckin 3D shirts and banana's that can clear my bowels on a regular basis on the phone...fecked if i know where they come from

I know I'm followed everywhere I go by Google,it sends me a monthly reminder of where I've been

It messages me when I go into a new shopping centre and tells me when to leave for work to best traffic

I don't care to be honest

Your entitlement of course.

wise words indeed

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By *j47Man
over a year ago

limerick

[Removed by poster at 08/09/21 22:45:01]

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By *j47Man
over a year ago

limerick

"is there card charges only when u spend above a certain amount?

Lol, no, but the amount you're charged depends which bank you're with.

Feck That!

I pay €72 a year for my account and have credit cards,mortgage with the same bank and all my kids are with them too

I just prefer using a local bank instead of just online in case anything goes wrong

If you were using cash ud be able to spend that €72 on spoiling ur self instead of paying a bank shareholder a dividend

No bank provides free banking they are in the game to make money thats were they were set up for also using a card gives some body some where another cent that they dont break a sweat for

While not condoning the black market there are group who pay taxes and fail to qualify for susi grants and such like while some with property worth millions do and can get full aid to put their children trough college go figure

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

was in 4 pubs last night. only 1 of the 4 took card payment.

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