FabSwingers.com forum: Cash or Card ?

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

Was in the supermarket earlier & someone in front paid for their shopping (less than £2) with a card.

Now obviously I have cards, but id never dream of leaving the house without a wallet full of cash also. Is cash relevant anymore or do you think it’s on its way out ?

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By *ed-monkeyCouple
over a year ago

Hailsham

I think only yesterday there was a report that cash makes up only 3 in 10 transactions ... down from 6 in 10 a few years ago

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

I tend to pay more on card now, I don’t really carry cash.

I think it’s on the decline, my lad pays for the majority of stuff via his phone / tapping card.

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

I never carry cash

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

"Was in the supermarket earlier & someone in front paid for their shopping (less than £2) with a card.

Now obviously I have cards, but id never dream of leaving the house without a wallet full of cash also. Is cash relevant anymore or do you think it’s on its way out ? "

If I have cash on me now....it's almost an afterthought.

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

I always go with cash. Everywhere accepts it and, especially on a night out, I find it easier to control how much I spend

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By *nabelle21Woman
over a year ago

B38

I hardly ever carry cash, I find cards are less hassle

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

I’ve had to use my card to pay for something less than that. I rarely carry any cash as got Apple Pay, contactless or debit card.

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By *r Appreciator.Man
over a year ago

Bedfordshire.

Card now for pretty much everything.

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By *ankie303Woman
over a year ago

Weirdsville South Coast Dorset

I work in the taxi industry and see this kinda thing all the time. £2.50 fare paid on card, what annoys me is the drivers loose out 5% on each transaction due to the fee that still has to paid for having the terminals and i imagine shops still pay. I never use my card for less then £5 in shops (and always pay cash for taxis lol)

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

I would imagine that there are lots of people that do not have the luxury of deciding whether to leave the house with loadsa money in their wallet or not.

That said, I know folk that are very well off that frequently do not carry cash ever.

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

pay cash. even if trying broth in a brothel

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

"I work in the taxi industry and see this kinda thing all the time. £2.50 fare paid on card, what annoys me is the drivers loose out 5% on each transaction due to the fee that still has to paid for having the terminals and i imagine shops still pay. I never use my card for less then £5 in shops (and always pay cash for taxis lol)"

I only really use taxis that I order and pay by an account online which is more convenient for someone like me that never has cash.

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By *iss.ddWoman
over a year ago

Leeds + Newcastle

With cash machines getting harder and harder to find, cards rule for me.

If I carry any substantial cash, let's say £5 and above, it's for a reason and not just because.

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

A mixture of both, as my local shops don't allow card payments under £5.

I don't have cash in my purse for long though, as my grandchildren tap me for it daily.

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

Sometimes you only a 2-4 quid in the bank it’s easier to pay by card rather than fathin on at the bank for a couple of quid I do prefer having a purse full of cash tho

Mrscxxx

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

Mainly cash for me. Mr mainly card x

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

"A mixture of both, as my local shops don't allow card payments under £5.

I don't have cash in my purse for long though, as my grandchildren tap me for it daily."

You mean the Aladdin’s cave doesn’t take cards?

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

I can beat that, I saw someone pay 79p for a bag of crisp in a station

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By *pider-WomanWoman
over a year ago

Exeter, Bristol, Plymouth, Truro

Dont carry cash or cards anymore just use my Samsung watch.

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

Card/phone majority of the time.

I carry some cash on the chance that wherever I am does not accept electronic transactions.

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By *iss_tressWoman
over a year ago

London

The only time I handle money is to take the old £1 coin I have in my pocket to use in the supermarket trolley.

I have £60 in my purse plus about £15 in coins that have been there since last year.

I use contactless.

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By *hoenixAdAstraWoman
over a year ago

Hiding in the shadows

I rarely have cash on me these days.

My bankcard fits in a slot on my phone case, I can also pay via Samsung pay on my phone & watch.

That way I only spend exactly what I want.

When I used to draw vzxh out, would often sit there at the end of the day, looking at an empty purse & not a clue where or how I'd spent it

It also now solves the "Mum can I have a tenner? " issue every time they go out.

They get their pocket money put into their bank, they use their cards, they learn to budget.

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

Card and cash.

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By *urls and DressesWoman
over a year ago

Somewhere near here

Apple Pay the majority of the time. I, for the first time is a long time, have cash, I have about £10 in change, seems weird to have

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By *ribsaMan
over a year ago

A box at end of your bed

I use both it all depends on what it is and how much. Always use cash on a night out buying drinks but would pay for a meal out on card.

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

"I can beat that, I saw someone pay 79p for a bag of crisp in a station"

i can beat both, in Aldis a student tried to buy 1 banana worth 11p on his card. Manager wouldnt let him queue getting bigger .America doesnt use cash much look at the personal debt everyones in

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

There was an item on BBC Breakfast yesterday about whether or not we are heading towards a cashless society.

They were reporting on one pub that no longer takes cash - all transactions are done with cards.

1. It's easier for their customers as the nearest cash machine is apparently a good 30 minute walk away

2. Their insurance premiums are now lower because there is a lower risk of burglary due to there no longer being any cash on the premises.

3. It's saved them a lot of admin time as they no longer have to count up all the money at the end of their business day.

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By *emini ManMan
over a year ago

There and to the left a bit

I take cash out less and less these days but do like to have some on me - it does also tend to vary according to where I am if I use cash or card - in a busy pub I'd much rather use cash for example.

Was in a Vodafone shop (I think it was) the other week that had signs up saying they were now cashless and all transactions would be via card/pay devices.

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By *eavenscentitCouple
over a year ago

barnstaple

I hardly ever have cash on me.

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By *tella HeelsTV/TS
over a year ago

west here ford shire

Card

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

"There was an item on BBC Breakfast yesterday about whether or not we are heading towards a cashless society.

They were reporting on one pub that no longer takes cash - all transactions are done with cards.

1. It's easier for their customers as the nearest cash machine is apparently a good 30 minute walk away

2. Their insurance premiums are now lower because there is a lower risk of burglary due to there no longer being any cash on the premises.

3. It's saved them a lot of admin time as they no longer have to count up all the money at the end of their business day.

I think this is the way more & more businesses will go. It’s a pain for us sometimes taking cash in our business as then it means a trip to the bank to deposit it. But feel for small businesses taking small regular amounts such as taxi drivers etc

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

The number of times I get “ooh I can’t take that” when I present a perfectly legal Scottish £20 note when I’m south of the border means that to be honest it’s easier to just use card/phone to pay for stuff no matter how low the value.

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By *iss SJWoman
over a year ago

Hull

"I would imagine that there are lots of people that do not have the luxury of deciding whether to leave the house with loadsa money in their wallet or not.

That said, I know folk that are very well off that frequently do not carry cash ever."

Like the Queen?

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

"I would imagine that there are lots of people that do not have the luxury of deciding whether to leave the house with loadsa money in their wallet or not.

That said, I know folk that are very well off that frequently do not carry cash ever.

Like the Queen?

Yes. My old mucker Liz just swishes her phone when popping down to Waitrose for her pack of mints to claim her free coffee

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

The dilemma:

We were all told to switch to cards because it would be cheaper, save transaction costs as it's electronic and no paper pushers involved and quicker. Neither of these promises have happened to the client.

Still takes days to transfer money unless it's from one of your own accounts to another in the same bank. There's a charge for use of cards, no charge for cash and yet it's handled by someone and their time costs.

I use cash when ever I can, old school thinking controls impulsive large purchases and becomes a habit I guess, pay for it and genuinely own it.

NB. Cash was always more secure than current electronic methods. Even the banks now try to blame the customer if the money they are holding is taken out by some fraudster.

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By *oy man 2Man
over a year ago

I get points on my cards so use it as much as possible. But when I go in corner shop will pay cash to keep there costs down.

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

I very very rarely carry cash. If I have cash I’ve got it out for a reason. Gone are the days of getting money out of a cash machine to have on you.

I don’t even use my card that much with Apple Pay being so convenient

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By *oney to the beeWoman
over a year ago

Manchester

"I get points on my cards so use it as much as possible. But when I go in corner shop will pay cash to keep there costs down. "

I don't know if it is cheaper if its contactless as it costs to bank cash and takes time.

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

Yesterday I was in boots. Picked up various bits and pieces. Paid by card for it then realised I needed a bag. She put the 5p on a seperate transaction and I used contactless to pay. I felt no shame. I only had my card with me.

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

"The number of times I get “ooh I can’t take that” when I present a perfectly legal Scottish £20 note when I’m south of the border means that to be honest it’s easier to just use card/phone to pay for stuff no matter how low the value.

Although Scottish notes are still UK currency, it does bring to mind another benefit of card transactions. When travelling abroad you won't need to go to the bank or the travel agents to change your money into whichever currency as your card is simply debited at the present exchange rate.

As I own an American car, I've been buying parts from the States for years - mostly via ebay. The seller is paid in dollars and my account is debited in Stirling at the prevailing exchange rate.

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By *elma and ShaggyCouple
over a year ago

Bedworth

My purse currently contains the princely sum of 26p. I rarely carry cash these days, contactless has made card payments so much quicker and simpler!

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

Rare I pay in cash although its a lot easier to keep tabs on things when I do!

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By *tephanjMan
over a year ago

Kettering

I don't have a bank account lol so only use cash, but it's getting harder as some places won't take cash

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

"Was in the supermarket earlier & someone in front paid for their shopping (less than £2) with a card.

Now obviously I have cards, but id never dream of leaving the house without a wallet full of cash also. Is cash relevant anymore or do you think it’s on its way out ? "

Card for small amounts makes far more sense than cash.

If ypu pay with a note you end up with loads of change you now have to find a place for (if ypu say your wallet its a purse not a wallet).

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By *ady LickWoman
over a year ago

Northampton Somewhere

I have an emergency £20 in my phone case, most of the time I just use my card.

I think the only time I have cash on me is if I'm giving it to one of my children

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

Yu gi ohhh

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

I pay with sheep and chickens

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By *ady LickWoman
over a year ago

Northampton Somewhere

"I pay with sheep and chickens"

And hay??

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By *iSTARessWoman
over a year ago

London

Prefer cash, know how much I'm spending. Can go a bit silly when it's not tangible.

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By *ky19Man
over a year ago

Plymouth OYO Hotel

Cash as much as possible, while we still have it. One of the few - I guess I'm just rebellious.

Yes the cashless society is coming.

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

Card ever more

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By *itty9899Man
over a year ago

Craggy Island

"Was in the supermarket earlier & someone in front paid for their shopping (less than £2) with a card.

Now obviously I have cards, but id never dream of leaving the house without a wallet full of cash also. Is cash relevant anymore or do you think it’s on its way out ? "

With contactless cards now I think cash won't be to long for this world. It's a shame I know how you feel having a crisp new note in your pocket.

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

"I can beat that, I saw someone pay 79p for a bag of crisp in a station"

That's a bloody expensive crisp.

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

Cash will always be king

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

We're definitely going cashless. There's a coffee shop in Birmingham that doesn't take cash. Burslem in Stoke only has as ATM machine that charges for withdrawals.

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By *oncupiscentTonyMan
over a year ago

Kent

No one remember when Visa went belly up last summer?

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By *xMFM3sumsxxWoman
over a year ago

SouthWest Lancashire

My kids raid my purse for change if i have any so prefer to use my card for everything.

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

"I always go with cash. Everywhere accepts it and, especially on a night out, I find it easier to control how much I spend

This

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

Never keep money in a bank, but always pay by card, but have to remember to take those plastic tokens with me that tesco gives you for some charity cause to stuff in the supermarket kart as never have a pound coin on me.

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

If you never carry cash and the bank goes tits up as mine did last Summer for a couple of weeks then your fecked.

This is exactly why a cashless society is desired by the people holding our wealth....in a word,, Control.

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By *xMFM3sumsxxWoman
over a year ago

SouthWest Lancashire

"If you never carry cash and the bank goes tits up as mine did last Summer for a couple of weeks then your fecked.

This is exactly why a cashless society is desired by the people holding our wealth....in a word,, Control."

Wealth disribution is a lot easier to do online.

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

Always Card. Cash is no longer king!

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By *rbean69Man
over a year ago

Stroud

I don't trust contactless because it occurs to me that there could be a hidden card reader near the legitimate one, thus stealing money from me. Am I being naive here?

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By *evaquitCouple
over a year ago

Catthorpe

In a certain supermarket I will use my debit card if it's a pound or over.Got to get those double points rewards, pays for a few channel crossings per year. Dislike to keep a tenner or fiver and loose change for car parking and the odd shop snack.

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

maybe in years to come.we'll get back to "I'll give you 6 lettuce if you fix my leaking tap" etc. sod cash and cards.

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

Too naive. Limit is £30.

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By *anana JoeMan
over a year ago

Sheffield

"I don't trust contactless because it occurs to me that there could be a hidden card reader near the legitimate one, thus stealing money from me. Am I being naive here? "

No and it can be scanned in your pocket too and money lifted so be warned.

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By *wo4FemCouple
over a year ago

Birmingham

Very rarely use cash. Always card if out shopping for food or other items.

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

"I don't trust contactless because it occurs to me that there could be a hidden card reader near the legitimate one, thus stealing money from me. Am I being naive here? "

Not at all. There's millions being stollen this very way. £30 limit but if those using the card reader are walking around a market, subway, open concert or crowded city it's been reported they can steal upwards of a few thousand a day. Rack card readers in ATMs are used too, they just slit straight into existing slot, only protruding out a very small amount and each unsuspecting person looses a few hundred very quickly.

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

Depends on what I'm buying in case once home it's crap and I want an instant refund.

Normal supermarket shopping it'll be card. Clothes or electrical goods it's usually cash

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By *od ThrusterMan
over a year ago

Newport Pagnell

Depends where I'm going and what I'll be buying. I feel "naked" without some cash - usually carry around £30. I find it easier to control spending with cash.

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

Well cash wise I'd say card is more safe than having a chunky wallet and then for some little shit to steal it from you but I'd keep a bit of change for the small bits no more than 20

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By *andonmessMan
over a year ago

A world all of his own

I very rarely carry cash with me now, maybe on a night out/down the pub etc but other than that, everything I buy is paid by card.

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By *r MoriartyMan
over a year ago

The Land that time forgot (Norfolk)

Never carry cash it's a pita, will use my watch if wearing it if not my card. Don't like using my phone much but will occasionally.

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By *eriousGuyABCMan
over a year ago

( WEST OF ) Chippenham ish

I have a small reserve of cash in change for things I can't do contactless for but generally less than £10 on me. Even busses now are contactless which saves having to get change for park & ride every day

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

"I have a small reserve of cash in change for things I can't do contactless for but generally less than £10 on me. Even busses now are contactless which saves having to get change for park & ride every day"

Yeah sure over here we have something called s leap card to pay for the buses

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By *oney to the beeWoman
over a year ago

Manchester

Has to be card but then its all going that way soon which isn't a bad thing as it will screw up crime and criminals.

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

Use cards almost exclusively. The only time I make a point of using cash is when tipping serving staff.

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

"Was in the supermarket earlier & someone in front paid for their shopping (less than £2) with a card.

Now obviously I have cards, but id never dream of leaving the house without a wallet full of cash also. Is cash relevant anymore or do you think it’s on its way out ? "

It is slowly on the way out.

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

Where can you get a cab ride for £2.50?

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

Where can you get a cab ride for £2.50?"

From my house to my next door neighbour

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