FabSwingers.com forum: Cash or card

By *og-Man OP Man
27 weeks ago

somewhere

Do you use cash these days or is everything you buy on a card

Today I realised that someone gave me 90 euro at Christmas and it's still sitting in my wallet

I don't use cash at all everything on tap card or credit card

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By *ogday2181Man
27 weeks ago

Dublin

Mostly card but I do go through phases. Going to England for games the Internet is mnt great in the stadium so cash is king there.

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By *ogday2181Man
27 weeks ago

Dublin

I do love when you find cash in a pocket or wallet you weren't expecting to be there.

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By *ot so needyMan
27 weeks ago

Galway

I'd say 50 50 I always have cash because alot of country places don't take card.

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By *ealitybitesMan
27 weeks ago

Belfast

Both, because all small businesses are crying out for increased cash usage due to card charges.

Most of the local chippies don't accept card payments anymore.

Card is handy but I'll always use cash when I have it.

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By *exyScientistsCouple
27 weeks ago

Castlebar

Mostly card. I never have cash when I need it. Then have to go find a cash machine

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By (user no longer on site)
27 weeks ago

Mostly card, cash on nights out. I sold a lovely car for cash and I'm showing burning through it even though i barely drink anymore... those non-alcoholic beers add up

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By *og-Man OP Man
27 weeks ago

somewhere

"Mostly card, cash on nights out. I sold a lovely car for cash and I'm showing burning through it even though i barely drink anymore... those non-alcoholic beers add up

They feckin do when they cost more or the same as beer with alcohol

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By *rRiosMan
27 weeks ago

dublin

"Mostly card, cash on nights out. I sold a lovely car for cash and I'm showing burning through it even though i barely drink anymore... those non-alcoholic beers add up

They feckin do when they cost more or the same as beer with alcohol "

Never understood that tbh

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By *ipstick KissesWoman
27 weeks ago

South Down

Mostly card but still use cash for some things. I always used to take cash on a night out until very recently but now I use Revolut for that.

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By *og-Man OP Man
27 weeks ago

somewhere

"Mostly card, cash on nights out. I sold a lovely car for cash and I'm showing burning through it even though i barely drink anymore... those non-alcoholic beers add up

They feckin do when they cost more or the same as beer with alcohol

Never understood that tbh

I emailed Heineken and asked that very question

I was told it was made as normal beer but then extra work went into removing the alcohol and smaller volumes and thats why it costs extra

Now don't even start me on 2 bottles of soft drink in a pint glass of ice

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By *om TangoMan
27 weeks ago

aughnacloy monaghan area

Cash is king.

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By *c and LuluCouple
27 weeks ago

Carlow

Cash is king, I’d only use card if and when I need to always carry and use our legal tender.

UK is worse then here brought £100i had from previous trips, for a weekend heading to London only time we could spent cash was in the pub before the game the rest was tap tap…..

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By *phrodite72Woman
27 weeks ago

dublin/galway

My business is prob 70/30 card vs cash so I use card for online purchases hotels etc but cash for day to day expenses

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By *ladDImpalerMan
27 weeks ago

Dublin

Oh for all legal transactions, sure, cards, accounts, tap'n'go...

For the other more nepharious ones? Cash only. Tbh, the guys at the cemetery don't really take card payment, or Revolut for that matter, for the various body parts and all that...

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By *ladDImpalerMan
27 weeks ago

Dublin

Seriously though, I keep cash for travelling, and for kids, they like to go buy their own toys in Smyths or similar...

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By *amsevenMan
27 weeks ago

cork

90 percent of the time I use cash.

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By *iscuits8Man
27 weeks ago

Meath / Dublin / Birmingham

Very few things I use cash for nowadays. Card's just so much handier.

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By *ildarekinkstersCouple
27 weeks ago

kinkytown

Dee would be more card then cash. I'm more 50/50 as some of my day to day expenses won't take card.

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By *ubadubdubWoman
27 weeks ago

Hereabouts

Bit of both but I always have a bit of cash and still even visit the ATM.

And I won't switch to phone tap ... never ever

It was an eye opener on a night out recently when I was the only one of 5 who used cash

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By (user no longer on site)
27 weeks ago

Starting to use more cash recently. Ensures I have it for tips.

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By *aseylee324Couple
27 weeks ago

Valley of Squinting Windows

I always have cash on me, partly because I know that you could end up getting let down by technology and also to have tips. Also I like to leave a little bit of mystery about my activities

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By *astelloWoman
27 weeks ago

Far far away

I started using cash more as l was spending more recklessly than before.. Those insomniac purchases were causing me problems. So l take out enough money for incidentals during the week. Made me far more conscious of what l was buying.. Plus l disconnected my paypal online so at least l have to get up to spend. "how to be good with money" you're welcome.

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By (user no longer on site)
27 weeks ago

Cash..always have..always will

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By *ontbesillywrapyourwillyMan
27 weeks ago

Tipperary

90 % card. Odd time cash

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By *ozzlesMan
27 weeks ago

galway

Almost never use cash anymore, I like the ease of use with card /phone.

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By *iCuri0Man
27 weeks ago

Shannon

I'm a big fan of cash. I try use it for most purchases

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By *eralt80Man
27 weeks ago

cork

Rarely use cash these days. Either card or bank transfer payments when paying for or getting paid for stuff.

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By *affa31Woman
27 weeks ago

Galway

If someone gives me cash, it’s like I forget you can use it to buy stuff!

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By (user no longer on site)
27 weeks ago

Cash us king with me. Hang on to it folks caus when it's gone we'll regret it. Everything will be more expensive

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By (user no longer on site)
27 weeks ago

Cash unless it’s online .

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By *lue eyesMan
27 weeks ago

cavan

Cash for everything I can sur the banks and the government have enough out of us already.

I wont tell the tax man if you don't.

Theirs no charge for spending 50s

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By *arrot_in_a_boxCouple
27 weeks ago

kinda dublin

If I use cash, how would Revolut break down and categorise my expenses for me?

Sure I wouldn't know if I'm coming or going.

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By *woToSeeCouple
27 weeks ago

Cork City

"Do you use cash these days or is everything you buy on a card

Today I realised that someone gave me 90 euro at Christmas and it's still sitting in my wallet

I don't use cash at all everything on tap card or credit card "

Cards, phones, actually

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By *eard and BoobsCouple
27 weeks ago

Portstewart

I prefer card but hub prefers cash

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By (user no longer on site)
27 weeks ago

Cash is king.

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By *orYourThighsOnlyMan
27 weeks ago

Midlands

Card is handy when up north or abroad in a well established business, but there is a charge for currency etc. also a charge on the businesses for the transaction. Plus it leaves a trace of what you spend on, frequency etc which can be used to build a profile and analytics on you into the future.

No thanks prefer Cash currency, an empty wallet can’t be spent.

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By *oxyvixen99Woman
27 weeks ago

Newtownabbey

Cash

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By *cottybear74Man
27 weeks ago

kilkenny

Nearly always cash

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By *ilthyNightsCouple
27 weeks ago

East / North, Cork

Got a 500euro note as a wedding present and can't spend it anywhere!

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By *og-Man OP Man
27 weeks ago

somewhere

"Got a 500euro note as a wedding present and can't spend it anywhere!

I'll give you 400 in 20's for it ??????

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By *voidingboredomMan
27 weeks ago

around

I haven't used cash in... Years must be. Got the odd twenty in Xmas cards that I spend randomly and my barbers only take cash but I haven't withdrawn or had cash in my wallet on a regular basis in 5 years I'd say if not more

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By *og-Man OP Man
27 weeks ago

somewhere

My local chinese won't take card, never has and tells people to go to the ATM in the local shop

So I changed my local Chinese....I only ever go out with my phone ...no physical card

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By *ealitybitesMan
27 weeks ago

Belfast

I've never used my phone to pay for anything.

It has always been a physical card.

Every single bank in my home town and the neighbouring towns have closed permanently and their ATMs went with them.

Half the remaining ATMs in a 10 mile radius charge £1.25 to withdraw cash so very few people use those which means that every other machine is completely empty on a Saturday night and are not topped up until Monday.

Three local restaurants and both of the main supermarkets in town were all over social media last week because their card machines went down so they were advising people they could only pay in cash.

It took 12 hours to get them up and running again and exactly 12 hours later they all went down again.

So empty ATMs preventing people getting their own cash combined with card machines that don't work and an increased number of businesses who can't afford to pay the card charges and insist on cash only means it's a shitshow most weekends.

I fully support any business that only accepts cash but if both card and cash options are removed for whatever reason it's a joke.

I also don't have a clue how to tip using a card because I've never done it and most tap and go machines don't have that option. So I'll often pay for a meal using my card and tip in cash.

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By *ildAtlanticSecretCouple
27 weeks ago

around Clare, Galway, Limerick

Everyday stuff like shopping it's the card but a night out or a holiday it's cash

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By *og-Man OP Man
27 weeks ago

somewhere

Dont think there's a charge to get money from ATM machines yet but as a hell of a lot of them have been sold to private companies then I presume it's on the agenda

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By *ipstick KissesWoman
27 weeks ago

South Down

"Dont think there's a charge to get money from ATM machines yet but as a hell of a lot of them have been sold to private companies then I presume it's on the agenda "

There's a few up here charge, the ones at my local shopping outlet charge £1 per transaction

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By *ogday2181Man
27 weeks ago

Dublin

Revolut is great

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By *ealitybitesMan
27 weeks ago

Belfast

"Dont think there's a charge to get money from ATM machines yet but as a hell of a lot of them have been sold to private companies then I presume it's on the agenda

There's a few up here charge, the ones at my local shopping outlet charge £1 per transaction "

They were all 95p around here and then jumped overnight to £1.25.

I haven't used any of those since last year so I don't know what they are now.

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By *exesrangerMan
27 weeks ago

kenmare/killarney

"Mostly card, cash on nights out. I sold a lovely car for cash and I'm showing burning through it even though i barely drink anymore... those non-alcoholic beers add up

They feckin do when they cost more or the same as beer with alcohol "

And give you a worse headache

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By *ipstick KissesWoman
27 weeks ago

South Down

"Dont think there's a charge to get money from ATM machines yet but as a hell of a lot of them have been sold to private companies then I presume it's on the agenda

There's a few up here charge, the ones at my local shopping outlet charge £1 per transaction

They were all 95p around here and then jumped overnight to £1.25.

I haven't used any of those since last year so I don't know what they are now. "

Actually now that you mention it, they used to be £1 but could be more now as I haven't used them in such a long time

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By *irtypair00Couple
27 weeks ago

Dublin

Mainly cash here 80 to 90% of the time .

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By *adylaceWoman
27 weeks ago

Waterford City

I'm still old school. I always budgeted by taking my spending money out each week and leaving bill and savings money in the account. Still do. It's too easy to lose track of my spending if I'm just tapping and swiping all of the time.

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By * la carteCouple
27 weeks ago

Dublin

"Dont think there's a charge to get money from ATM machines yet but as a hell of a lot of them have been sold to private companies then I presume it's on the agenda "

Depending on your bank and your type of account, you may be charged for withdrawing money from ATMs in your monthly/quarterly/annual banking fees.

It costs more to withdraw from the cashier in the bank than from an ATM with AIB, for example.

Go look at the breakdown of your banking fees to see what each of your transactions costs you.

And I use cash wherever possible. Cash is privacy, cash is king, cash is welcome when technology fails

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By *amesy6918Man
27 weeks ago

newry

Always cash but getting harder to get

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By *amson4DelilahCouple
27 weeks ago

ballina

This is worth thinking about ??!

Why are banks putting pressure on their customers to abandon cash payments in favor of digital payments?

YOU PAY BY CARD AND LOSE MONEY. YOU DON'T UNDERSTAND THE LOGIC WHY BANKS MAKE IT EASY FOR ATMs TO USE?

Why are digital payments getting easier and easier?

LET'S FIND IT OUT!

Why pay with cash everywhere rather than a debit card?

Let's take the following example: a 50 euro note is circulating in the economy.

- I have a 50 euro note in my pocket, I bring it to the restaurant and pay for my dinner.

- The restaurant owner uses the same 50 euros to settle the bill for his car wash.

- The car wash owner pays for a haircut at his barber.

- The hairdresser uses this 50 euros to shop at the market.

After an unlimited number of payments, the €50 note remains a €50 note, it has filled the circuit for which it was designed, it has fulfilled its function for all those who used it as a means of payment.

The bank did not intervene, therefore it did not gain anything from these transactions.

WELL SO WHAT THE FACT?

- If I go to the restaurant and pay digitally with a debit card, what happens?

- The cost of the digital payment charged by the restaurateur, including the percentage transaction fee, is on average 2.5%, which means 1.25 euros for each subsequent payment transaction.

(THIS MEANS THAT EVERY DIGITAL PAYMENT TRANSACTION COSTS €1.25).

- the same rate applies when the restaurateur pays his digital bill at the washing station,

- the same rate applies when the owner of the car wash pays the hairdresser,

- this transaction is repeated consecutively for the following payments, etc.

So after the first 36 transactions, €50 fell to €5 and the remaining €45 became bank property...

Also, the cost of a debit card on average is €2.25 per month, so €50 after a month of savings is only €47.75.

Now think of billions of people and billions of transactions.

Banks are the best example of how you can make money from nothing!

At the same time, they cause enormous damage, pull money out of circulation and fuel inflation.

Let's ALL, or as many people as possible, use decentralized wallets for our transactions in the absence of cash that will necessarily disappear.

Let's ALL change the way we pay.

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By *amson4DelilahCouple
27 weeks ago

ballina

[Removed by poster at 22/04/24 13:53:48]

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By *og-Man OP Man
27 weeks ago

somewhere

Probably better off not using FB as a financial advisor

Every crank FB pages uses the same formula but its wrong

If 36 people pay another 36 people 50 euro on a card it doesn't mysteriously drop to 5 euro

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By *og-Man OP Man
27 weeks ago

somewhere

"Dont think there's a charge to get money from ATM machines yet but as a hell of a lot of them have been sold to private companies then I presume it's on the agenda

Depending on your bank and your type of account, you may be charged for withdrawing money from ATMs in your monthly/quarterly/annual banking fees.

It costs more to withdraw from the cashier in the bank than from an ATM with AIB, for example.

Go look at the breakdown of your banking fees to see what each of your transactions costs you.

And I use cash wherever possible. Cash is privacy, cash is king, cash is welcome when technology fails

Yeah I pay 6 euro a month to BOI as an account fee

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By *ind PaddyMan
27 weeks ago

South County Dublin

I use card mostly. My bank charges 6 or 8 euros a month, but you can earn up to 5 euros back every time you use your card.

They will change that soon.

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By *ixie and dixie2022Couple
27 weeks ago

villiage

"Dont think there's a charge to get money from ATM machines yet but as a hell of a lot of them have been sold to private companies then I presume it's on the agenda "
i went to get 300 euros out from an atm using my sterling card it wanted to charge me £340 sterling cancelled transaction

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By * la carteCouple
27 weeks ago

Dublin

"This is worth thinking about ??!