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" "We’ve recognised what merchants have been telling us for some time now. Using cash is expensive, because it takes time for salaried employees to handle, and it’s also a security concern. " Admittedly my Danish isn't word-perfect, but I'm sure if you translate that into English you actually get "As a Government we like it because it means there is a log of every single transaction, so we can keep tabs on what everyone is doing" I'm surprised.they're not suggesting.it under anti-terror laws!! 
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"Governments want an end to cash as it stops the black economy. Banks want an end to cash so they can run all your finances and charge you for it. I have never heard anyone else ever say they don't like cash." Personal banking in the UK is free. No charges for anything you don't want as an added extra. It actually costs banks a lot to deal with cash transactions hence businesses are charged more for them than electronic ones. The longer cash is around the sooner there'll be an end to free banking. Look at most high street bank branches. Less staff, more automated self service machines and more emphasis on Internet/mobile banking. Electronic and digital systems make sense. It's cheaper, safer, more convenient and you're not restricted to opening hours. Nor are you fucked if every cashpoint near you is empty - cards don't run out of cash! Look at car parks - the move to take phone payments has stopped the old problem of not having the right change/any money for pay and display. Is there really any benefit to carrying cash these days? A | |||
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"Governments want an end to cash as it stops the black economy. Banks want an end to cash so they can run all your finances and charge you for it. I have never heard anyone else ever say they don't like cash. Personal banking in the UK is free. No charges for anything you don't want as an added extra. It actually costs banks a lot to deal with cash transactions hence businesses are charged more for them than electronic ones. The longer cash is around the sooner there'll be an end to free banking. Look at most high street bank branches. Less staff, more automated self service machines and more emphasis on Internet/mobile banking. Electronic and digital systems make sense. It's cheaper, safer, more convenient and you're not restricted to opening hours. Nor are you fucked if every cashpoint near you is empty - cards don't run out of cash! Look at car parks - the move to take phone payments has stopped the old problem of not having the right change/any money for pay and display. Is there really any benefit to carrying cash these days? A" My cards always running out of money....it must be broken  | |||
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"next thing it wont be £'s $'s euro's etc will just be credits, what if your under 16/18 and not got a card or just want to use the card for (what used to be penny sweets) most places have got a minimum spend from £2 upto £10 for card payments " At the moment yes.....I'm guessing that would change.... | |||
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"I used to go mad when people were paying for a pint of milk with a card or cheque
"Why? It's much quicker to pay by card than someone rummaging through their purse trying to find the correct change? | |||
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"I used to go mad when people were paying for a pint of milk with a card or cheque
"And all those knobs in front of you at the bar putting half a shandy and a spritzer on a card. Please fuck off. | |||
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"next thing it wont be £'s $'s euro's etc will just be credits, what if your under 16/18 and not got a card or just want to use the card for (what used to be penny sweets) most places have got a minimum spend from £2 upto £10 for card payments At the moment yes.....I'm guessing that would change...." So I sent my ten year old to the shop to buy his sweets with his new MasterCard. Then he comes back with three action men a ps9 and a black jack. I can see that working well. | |||
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"next thing it wont be £'s $'s euro's etc will just be credits, what if your under 16/18 and not got a card or just want to use the card for (what used to be penny sweets) most places have got a minimum spend from £2 upto £10 for card payments At the moment yes.....I'm guessing that would change.... So I sent my ten year old to the shop to buy his sweets with his new MasterCard. Then he comes back with three action men a ps9 and a black jack. I can see that working well. " Kids have debit cards now. It teaches them to manage their own finances. They can't spend what they don't have. How is that a bad thing? | |||
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"Governments want an end to cash as it stops the black economy. Banks want an end to cash so they can run all your finances and charge you for it. I have never heard anyone else ever say they don't like cash. Personal banking in the UK is free. No charges for anything you don't want as an added extra. It actually costs banks a lot to deal with cash transactions hence businesses are charged more for them than electronic ones. The longer cash is around the sooner there'll be an end to free banking. Look at most high street bank branches. Less staff, more automated self service machines and more emphasis on Internet/mobile banking. Electronic and digital systems make sense. It's cheaper, safer, more convenient and you're not restricted to opening hours. Nor are you fucked if every cashpoint near you is empty - cards don't run out of cash! Look at car parks - the move to take phone payments has stopped the old problem of not having the right change/any money for pay and display. Is there really any benefit to carrying cash these days? A" (m) replying - Personal Banking in the UK is not free at all over the past 8 years UK banks have started to charge for every and each item an individual does. Take your holiday money - the exchange rates are always 2-5% higher then in the country you are going to. Reason the seller wants to make a profit UK is one of the only countries in Europe which as an arrangement fee for mortgages, try that in Germany and Switzerland and you would have the people storming the banks burning them down. Interest rates - Again in Britain the mortgage rates do no reflect the interest rates the banks refinance themselves at. Give an example - 20 year mortgage Switzerland is 2.125% flat no other fees. Try getting that in Britain no chance the difference between what the banks are charged and what they pass on is 2 - 2.5% The main reasoning behind the drive in the EU to dry out the "cash payments" is taxation. The EU officials argue that if all is done electronically then no one could avoid paying tax (See Italy where every 2nd Euro is not taxed or Greece). Also they argue that crime would stop as then money could not be laundered - Believe me criminal gangs do not sleep and have in Denmark already created "work arounds" then non cash situation (See Broncs and Hells Angels and the ways they "launder" money). As one answer said correctly it is an additional layer of control by the state and the banks over the citizen as cash can not be controlled. | |||
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" So I sent my ten year old to the shop to buy his sweets with his new MasterCard. Then he comes back with three action men a ps9 and a black jack. I can see that working well. " If currency was replaced digitally. Both credit and Debit cards would most Likely have a "fail safe" or charge back facility. I would have thought that would be an absolute should it ever happen (cash is replaced). I definitely think it WILL happen. And it's not far away either. | |||
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"What about shopping at markets, second hand shops, car boot sales etc. I am not sure about Denmark but I don't know many carboot sales that accept card payments. Also, there are still thousands in this country who are without bank accounts and who cannot afford luxuries such as broadband for Internet banking etc. Mind boggling to think about the investment needed to develop the infra structure and resources needed. " The thousands without bank accounts are eligible and entitled to them. Many simply choose not to for some reason. Bankrupts can get a functional bank account. Adverse credit histories are no barrier. Those choosing to rely on old style post office card accounts that are cash based are creating a headache for themselves. Prepayment meters for utilities are always at a higher cost than paying by direct debit. Paying a bill forwhatever by cash requires travel, time and often additional costs to paying via electronic methods. As for the infrastructure? It's already there. A | |||
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"Governments want an end to cash as it stops the black economy. Banks want an end to cash so they can run all your finances and charge you for it. I have never heard anyone else ever say they don't like cash. Personal banking in the UK is free. No charges for anything you don't want as an added extra. It actually costs banks a lot to deal with cash transactions hence businesses are charged more for them than electronic ones. The longer cash is around the sooner there'll be an end to free banking. Look at most high street bank branches. Less staff, more automated self service machines and more emphasis on Internet/mobile banking. Electronic and digital systems make sense. It's cheaper, safer, more convenient and you're not restricted to opening hours. Nor are you fucked if every cashpoint near you is empty - cards don't run out of cash! Look at car parks - the move to take phone payments has stopped the old problem of not having the right change/any money for pay and display. Is there really any benefit to carrying cash these days? A (m) replying - Personal Banking in the UK is not free at all over the past 8 years UK banks have started to charge for every and each item an individual does. Take your holiday money - the exchange rates are always 2-5% higher then in the country you are going to. Reason the seller wants to make a profit UK is one of the only countries in Europe which as an arrangement fee for mortgages, try that in Germany and Switzerland and you would have the people storming the banks burning them down. Interest rates - Again in Britain the mortgage rates do no reflect the interest rates the banks refinance themselves at. Give an example - 20 year mortgage Switzerland is 2.125% flat no other fees. Try getting that in Britain no chance the difference between what the banks are charged and what they pass on is 2 - 2.5% The main reasoning behind the drive in the EU to dry out the "cash payments" is taxation. The EU officials argue that if all is done electronically then no one could avoid paying tax (See Italy where every 2nd Euro is not taxed or Greece). Also they argue that crime would stop as then money could not be laundered - Believe me criminal gangs do not sleep and have in Denmark already created "work arounds" then non cash situation (See Broncs and Hells Angels and the ways they "launder" money). As one answer said correctly it is an additional layer of control by the state and the banks over the citizen as cash can not be controlled. " Sorry. You're wrong. Day to day banking (deposits, withdrawals, payments, transfers between accounts, issuing cheques, Internet banking, branch usage etc) is free. No bank charges its customers for standard transactions. Not all mortgage products have arrangement fees. Many overseas banks have been charging transactional fees for years. The UK is one of the few remaining countries where that is yet to happen. As for Switzerland? They've just started charging for large deposits and to hold large cash balances. The banks don't want to be sitting on cash deposits anymore. Please give me one exams of a UK bank that charges it's personal customers for standard transactional banking. A | |||
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"Swingers clubs, taking debit cards...interesting" Why's that a problem? Swinging isn't illegal, clubs are fully licensed. It's no different to paying for your shopping in Tesco with a debit card. | |||
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"Swingers clubs, taking debit cards...interesting Why's that a problem? Swinging isn't illegal, clubs are fully licensed. It's no different to paying for your shopping in Tesco with a debit card." totally agree, but think a few who would not want their other half to know they go may struggle | |||
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"Governments want an end to cash as it stops the black economy. Banks want an end to cash so they can run all your finances and charge you for it. I have never heard anyone else ever say they don't like cash. Personal banking in the UK is free. No charges for anything you don't want as an added extra. It actually costs banks a lot to deal with cash transactions hence businesses are charged more for them than electronic ones. The longer cash is around the sooner there'll be an end to free banking. Look at most high street bank branches. Less staff, more automated self service machines and more emphasis on Internet/mobile banking. Electronic and digital systems make sense. It's cheaper, safer, more convenient and you're not restricted to opening hours. Nor are you fucked if every cashpoint near you is empty - cards don't run out of cash! Look at car parks - the move to take phone payments has stopped the old problem of not having the right change/any money for pay and display. Is there really any benefit to carrying cash these days? A (m) replying - Personal Banking in the UK is not free at all over the past 8 years UK banks have started to charge for every and each item an individual does. Take your holiday money - the exchange rates are always 2-5% higher then in the country you are going to. Reason the seller wants to make a profit UK is one of the only countries in Europe which as an arrangement fee for mortgages, try that in Germany and Switzerland and you would have the people storming the banks burning them down. Interest rates - Again in Britain the mortgage rates do no reflect the interest rates the banks refinance themselves at. Give an example - 20 year mortgage Switzerland is 2.125% flat no other fees. Try getting that in Britain no chance the difference between what the banks are charged and what they pass on is 2 - 2.5% The main reasoning behind the drive in the EU to dry out the "cash payments" is taxation. The EU officials argue that if all is done electronically then no one could avoid paying tax (See Italy where every 2nd Euro is not taxed or Greece). Also they argue that crime would stop as then money could not be laundered - Believe me criminal gangs do not sleep and have in Denmark already created "work arounds" then non cash situation (See Broncs and Hells Angels and the ways they "launder" money). As one answer said correctly it is an additional layer of control by the state and the banks over the citizen as cash can not be controlled. Sorry. You're wrong. Day to day banking (deposits, withdrawals, payments, transfers between accounts, issuing cheques, Internet banking, branch usage etc) is free. No bank charges its customers for standard transactions. Not all mortgage products have arrangement fees. Many overseas banks have been charging transactional fees for years. The UK is one of the few remaining countries where that is yet to happen. As for Switzerland? They've just started charging for large deposits and to hold large cash balances. The banks don't want to be sitting on cash deposits anymore. Please give me one exams of a UK bank that charges it's personal customers for standard transactional banking. A " Banks charge on standard accounts where we misuse such as with unauthorised overdrafts etc but more and more banks are introducing more accounts with benefits not available in others that customers pay a yearly or monthly premium for. At some point that will cover all bank accounts regardless so we won't have free banking for ever?? | |||
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"Please give me one exams of a UK bank that charges it's personal customers for standard transactional banking. A " Coutts Santander - £2 a month Lloyds - unless you pay a minimum of £1,500 / month in But nothing is free - they are using your money on deposit and lending it back out at a far greater rate of interest than if you invested it with them. It just isn't "free". | |||
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"Governments want an end to cash as it stops the black economy. Banks want an end to cash so they can run all your finances and charge you for it. I have never heard anyone else ever say they don't like cash. Personal banking in the UK is free. No charges for anything you don't want as an added extra. It actually costs banks a lot to deal with cash transactions hence businesses are charged more for them than electronic ones. The longer cash is around the sooner there'll be an end to free banking. Look at most high street bank branches. Less staff, more automated self service machines and more emphasis on Internet/mobile banking. Electronic and digital systems make sense. It's cheaper, safer, more convenient and you're not restricted to opening hours. Nor are you fucked if every cashpoint near you is empty - cards don't run out of cash! Look at car parks - the move to take phone payments has stopped the old problem of not having the right change/any money for pay and display. Is there really any benefit to carrying cash these days? A (m) replying - Personal Banking in the UK is not free at all over the past 8 years UK banks have started to charge for every and each item an individual does. Take your holiday money - the exchange rates are always 2-5% higher then in the country you are going to. Reason the seller wants to make a profit UK is one of the only countries in Europe which as an arrangement fee for mortgages, try that in Germany and Switzerland and you would have the people storming the banks burning them down. Interest rates - Again in Britain the mortgage rates do no reflect the interest rates the banks refinance themselves at. Give an example - 20 year mortgage Switzerland is 2.125% flat no other fees. Try getting that in Britain no chance the difference between what the banks are charged and what they pass on is 2 - 2.5% The main reasoning behind the drive in the EU to dry out the "cash payments" is taxation. The EU officials argue that if all is done electronically then no one could avoid paying tax (See Italy where every 2nd Euro is not taxed or Greece). Also they argue that crime would stop as then money could not be laundered - Believe me criminal gangs do not sleep and have in Denmark already created "work arounds" then non cash situation (See Broncs and Hells Angels and the ways they "launder" money). As one answer said correctly it is an additional layer of control by the state and the banks over the citizen as cash can not be controlled. Sorry. You're wrong. Day to day banking (deposits, withdrawals, payments, transfers between accounts, issuing cheques, Internet banking, branch usage etc) is free. No bank charges its customers for standard transactions. Not all mortgage products have arrangement fees. Many overseas banks have been charging transactional fees for years. The UK is one of the few remaining countries where that is yet to happen. As for Switzerland? They've just started charging for large deposits and to hold large cash balances. The banks don't want to be sitting on cash deposits anymore. Please give me one exams of a UK bank that charges it's personal customers for standard transactional banking. A Banks charge on standard accounts where we misuse such as with unauthorised overdrafts etc but more and more banks are introducing more accounts with benefits not available in others that customers pay a yearly or monthly premium for. At some point that will cover all bank accounts regardless so we won't have free banking for ever??" Correct. There are fees and penalties for overdraft excesses and cancelled payments etc, and packaged accounts with benefits at a fee. But day to day banking is still free. It costs on average between £40-50 a year for a bank to run a personal bank account, which presently isn't passed on to the customer. No other industry in the world gives its primary product or service away to its customers for free. It's unsustainable long term and it'll be a brave bank that is the first to start charging. But it remains a fact. UK personal banking is still available at no cost. A | |||
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"Swingers clubs, taking debit cards...interesting" We've played by card at va, chams, Abfabs and more I think | |||
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"Please give me one exams of a UK bank that charges it's personal customers for standard transactional banking. A Coutts Santander - £2 a month Lloyds - unless you pay a minimum of £1,500 / month in But nothing is free - they are using your money on deposit and lending it back out at a far greater rate of interest than if you invested it with them. It just isn't "free"." Courts is hardly a mainstream UK bank open to standard customers. Santander and lloyds offer free bank accounts. A | |||
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"Please give me one exams of a UK bank that charges it's personal customers for standard transactional banking. A Coutts Santander - £2 a month Lloyds - unless you pay a minimum of £1,500 / month in But nothing is free - they are using your money on deposit and lending it back out at a far greater rate of interest than if you invested it with them. It just isn't "free". Courts is hardly a mainstream UK bank open to standard customers. Santander and lloyds offer free bank accounts. A" Coutts! Ffs - I'm having a typo day. 
As a private bank they don't offer free mainstream personal banking services.
Santander - the 'Everyday' current account.
Lloyds - the 'Classic' bank account.
Both free.
A
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"Please give me one exams of a UK bank that charges it's personal customers for standard transactional banking. A Coutts Santander - £2 a month Lloyds - unless you pay a minimum of £1,500 / month in But nothing is free - they are using your money on deposit and lending it back out at a far greater rate of interest than if you invested it with them. It just isn't "free". Courts is hardly a mainstream UK bank open to standard customers. Santander and lloyds offer free bank accounts. A Coutts! Ffs - I'm having a typo day.
As a private bank they don't offer free mainstream personal banking services.
Santander - the 'Everyday' current account.
Lloyds - the 'Classic' bank account.
Both free.
A
"None of them free - they take YOUR money and lend it out at a higher rate than the rate they pay you, or they invest it in bulk at a much higher rate. I'm not saying they charge you a monthly fee, but you're funding their business, it's the same thing. | |||
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"Swingers clubs, taking debit cards...interesting We've played by card at va, chams, Abfabs and more I think " I don't suppose Tommy Sheridan thinks its a good idea. | |||
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"It's a loss leader service done by thousands of companies. There'll get rid of cash when it suits them, the rise of crypto currencies is there biggest worry at the moment!" Last year I'd have agreed, and at work we were briefed on them and the threat they posed but with so many plummeting in value, especially litecoin etc, I think the view is there's no real threat for some years yet until it all stabalises. | |||
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"It's a loss leader service done by thousands of companies. There'll get rid of cash when it suits them, the rise of crypto currencies is there biggest worry at the moment!Last year I'd have agreed, and at work we were briefed on them and the threat they posed but with so many plummeting in value, especially litecoin etc, I think the view is there's no real threat for some years yet until it all stabalises." . Gold goes up, gold goes down! I think crypto will come into its own in a few years once the inflation starts | |||
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"next thing it wont be £'s $'s euro's etc will just be credits, what if your under 16/18 and not got a card or just want to use the card for (what used to be penny sweets) most places have got a minimum spend from £2 upto £10 for card payments At the moment yes.....I'm guessing that would change.... So I sent my ten year old to the shop to buy his sweets with his new MasterCard. Then he comes back with three action men a ps9 and a black jack. I can see that working well. Kids have debit cards now. It teaches them to manage their own finances. They can't spend what they don't have. How is that a bad thing?" Many adults get into trouble with cards , I can't see its progress that we should burden children with the same. | |||
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"Please give me one exams of a UK bank that charges it's personal customers for standard transactional banking. A Coutts Santander - £2 a month Lloyds - unless you pay a minimum of £1,500 / month in But nothing is free - they are using your money on deposit and lending it back out at a far greater rate of interest than if you invested it with them. It just isn't "free". Courts is hardly a mainstream UK bank open to standard customers. Santander and lloyds offer free bank accounts. A Coutts! Ffs - I'm having a typo day.
As a private bank they don't offer free mainstream personal banking services.
Santander - the 'Everyday' current account.
Lloyds - the 'Classic' bank account.
Both free.
A
None of them free - they take YOUR money and lend it out at a higher rate than the rate they pay you, or they invest it in bulk at a much higher rate. I'm not saying they charge you a monthly fee, but you're funding their business, it's the same thing. "They're free. Where is the personal cost to you? Why should you be paid anything for them to provide you with a service? It's not the same thing at all. A | |||
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Much easier to spend on the T'internet | |||
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"They're free. Where is the personal cost to you? Why should you be paid anything for them to provide you with a service? It's not the same thing at all. A" Where have I said I should be paid something? | |||
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"They're free. Where is the personal cost to you? Why should you be paid anything for them to provide you with a service? It's not the same thing at all. A Where have I said I should be paid something?" Here. "None of them free - they take YOUR money and lend it out at a higher rate than the rate they pay you" Why should they pay anything on current accounts where you're getting a free service? A | |||
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"Swingers clubs, taking debit cards...interesting Why's that a problem? Swinging isn't illegal, clubs are fully licensed. It's no different to paying for your shopping in Tesco with a debit card. totally agree, but think a few who would not want their other half to know they go may struggle" Well, I'm all for it then to be honest. If it encourages honesty it sounds like a good thing. | |||
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"Swingers clubs, taking debit cards...interesting Why's that a problem? Swinging isn't illegal, clubs are fully licensed. It's no different to paying for your shopping in Tesco with a debit card. totally agree, but think a few who would not want their other half to know they go may struggle Well, I'm all for it then to be honest. If it encourages honesty it sounds like a good thing." I hate the fact that a couple of times I've run out of cash at clubs and had to get dressed and venture out to find a cash machine. Usually in the rain. Would be great if entry and drinks could go on cards. A | |||
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