Do you mostly use cash or card?

Son of a bitch

Lately I’ve been noticing people around me are mostly paying card. My OH works in retail and she can confirm, the vast majority are tapping card and phone.

I’m 27 y/o male myself and mostly use card. I very rarely use cash. It almost seems like a foreign object when I handle it.

What about you?

Do you mostly use card or cash?

arybvtcw0eolkf

Equal mixture of cash / card / phone pay

Cash almost 100% of the time.

Mint Sauce

Dunno. The Butler does all the shopping.

GBX

Yes

PlaneSpeeking

Mostly cash

Mint Sauce wrote: »

Dunno. The Butler does all the shopping.

Peasant.

I have a team of specialist concierges.

Exclamation Marc

Card for lining it, cash for snorting it.

I'm indiscriminate to my currency.

ELM327

Mostly cash

Card
Just signed up for apple pay so will be trying that too
Feels weird, the idea of paying with your phone

swingking

Mostly cash

Does anyone feel awkward using a card for a 2 euro transaction ?

Blazer

Mostly cash

Card all the way. Also have Apple Pay and it’s a godsend. No need to be bringing my wallet every day with me.

ELM327

Mostly cash

swingking wrote: »

Does anyone feel awkward using a card for a 2 euro transaction ?

Not any more, contactless ftw

Ubbquittious

Equal mixture of cash / card / phone pay

Mostly cash

Fcuk the cashless (big brother, minority report) society

jester77

Mostly cash

I use card/android pay 90% of the time, hate dealing with cash.

Unfortunately Germany is still in the dark ages when it comes to modern banking, a lot of places still only accept cash. But you quickly get to know the places to avoid because of this.

PlaneSpeeking

Mostly cash

ELM327 wrote: »

Not any more, contactless ftw

Excellent point - I had no cash a day before payday but I had my contactless Perm TSB card with 3 quid on.

Got me the train commute tea and free choccy!!!

Fol20

Equal mixture of cash / card / phone pay

Cash most of the time, I don’t like looking at my bank account and transactions taking a few days to process a payment

jester77

Mostly cash

swingking wrote: »

Does anyone feel awkward using a card for a 2 euro transaction ?

Nope, but my girlfriend does. Last weekend I went to pay €1.20 for an ice-cream with my card and she stepped in to pay with cash :eek: Free ice-cream for me :pac:

jester77

Mostly cash

Fol20 wrote: »

Cash most of the time, I don’t like looking at my bank account and transactions taking a few days to process a payment

Get a better bank :pac: I get a push notification and the money is out of my account the second I make a transaction.

beertons

Equal mixture of cash / card / phone pay

Cash. I keep enough in the bank to cover bills, and play with the rest of it.

bee06

Mostly cash

Mostly card, I never have time to go to ATMs and always forget to get cash back.

Cleopatra_

I hardly ever have cash on me, I'll pay by card as much as I can. Sometimes it's a pain though when I end up somewhere that doesn't take cash. My mother calls me the queen because I never have cash on me, annoys the hell out of me, I guess she's a different generation.

Wheety

I use my Revolut card for almost everything now.

Also haven't had change in my pocket at all this week. Tony McGregor would be proud.

Bought milk for 95c and paid with card this morning.

I don't carry much cash but I like having around €30-40 in my wallet but that could last weeks.

seamus

Mostly card at this stage.

I'll make a point of getting cash if I'm going to the pub or meeting someone for dinner, because trying to use card in those instances is annoying.

But outside of that I wouldn't generally have cash on me, unless it was leftover from an aforementioned night out.

allthedoyles

Mostly cash

Hate cash - Mainly use card , but last Sunday I withdrew €40 and lost €20 from my back pocket . Plus I avoid shops that have a minimum spend on a card and shops/takeaways that take cash only

finla

Cash. Since I found out that the bank charges for using the card is stupid. There should be one charge for having the card , not every time you use it!

I tend to use card for shopping or diesel for the car but always use cash in the pub, buying lunch everyday, bookies etc which means I probably use cash more often.

I would always have a decent amount of cash on me, hate not having it.

Card, especially Revolut

CiniO

Mostly cash

I unfortunately mostly use card, but that's just because it's convenient.
I fear though that if we all start doing it cashless society will become reality and that twill screw us all properly.

So fair play to anyone using cash mostly. There's still a hope.

Cabaal

You always feel it more if you pay in cash!

Say you buy something for 800e, you'll know all about it handing over 800e in cash....but tapping a phone, its no big deal...just like online buying.

draiochtanois

Mostly cash

This post has been deleted.

biko

Equal mixture of cash / card / phone pay

The only reason for the poll to be public is so OP can figure out who carries cash around...

s3rtvdbwfj81ch

Mostly cash

Card/Google Pay, if a shop has one of the "minimum spend" limits I leave the items on the counter and leave for another non-rip-off place, ****.

Wheety

finla wrote: »

Cash. Since I found out that the bank charges for using the card is stupid. There should be one charge for having the card , not every time you use it!

Change bank or get a Revolut card.

r93kaey5p2izun

A mixture of the two. I hate tapping because it's so slow to show up on your account. And my phone is too old to be compatible with the apps too. So card for €20+ and cash for the rest.

BeerFarts

Mostly cash

Card mostly. If I'm forced to use cash then I usually end up spending the extra change on some crap I don't need. I like the card because I can keep my spending under control.

Birneybau

Take a chunk of cash out every week and use that

Bracken81

Equal mixture of cash / card / phone pay

Cash is king and always will be
Living a cashless life is a very dangerous thing, but hey there's no accounting for stupidity


Whats that you want a mortgage?
Please explain this €3 charge in the auld Jellies shop everyday, €5 on coffees, oh and i see you like gambling too :)

seamus

Bracken81 wrote: »

Whats that you want a mortgage?
Please explain this €3 charge in the auld Jellies shop everyday, €5 on coffees, oh and i see you like gambling too :)

Frequent large cash withdrawals would raise more red flags on the underwriter's system than €3 here and there for coffee and sweets.

Contrary to popular belief, banks do move with the times.

Gambling's for mugs anyway, I wouldn't give a mortgage to a gambler.

Bracken81

Equal mixture of cash / card / phone pay

seamus wrote: »

Frequent large cash withdrawals would raise more red flags on the underwriter's system than €3 here and there for coffee and sweets.

Contrary to popular belief, banks do move with the times.

Gambling's for mugs anyway, I wouldn't give a mortgage to a gambler.

So an average woman getting paid of a friday and going straight to Zara or similar using her card is seen as ok? For mortgage approval purposes

Whereas withdrawing €100/€50 is flagged?

Surely having everything logged and identified on your card is much mire dangerous

Wheety

Bracken81 wrote: »

Cash is king and always will be
Living a cashless life is a very dangerous thing, but hey there's no accounting for stupidity


Whats that you want a mortgage?
Please explain this €3 charge in the auld Jellies shop everyday, €5 on coffees, oh and i see you like gambling too :)

:rolleyes:

I already have my mortgage :cool:

mahamageehad

jester77 wrote: »

I use card/android pay 90% of the time, hate dealing with cash.

Unfortunately Germany is still in the dark ages when it comes to modern banking, a lot of places still only accept cash. But you quickly get to know the places to avoid because of this.

Yup roughly the same here. In Ireland i usually only carry card, and if I’m most places for holiday/work I only carry card, especially if I have to convert money. Been in the UK and the US this year and took out no money either time. However, in Germany I’m forced to carry cash. And, worse than that, I’m forced to go to the “correct” bank link or I’ll be charged about a fiver for the pleasure of withdrawing my own 20 quid. It’s shocking how far behind they are with banking here.

Cienciano

Mostly cash

Almost always card. Before google pay and tapping cards was 99% cash. Now I only carry a few euro for small things.

Graces7

Equal mixture of cash / card / phone pay

On my first shop-stop I pay by card and get cashback. Then cash all the way.

Dr. Kenneth Noisewater

Only time I use cash is in the canteen at work which doesn't have a card machine, or in the pub. I'd never use it if I could get away with it.

I find it amazing how quickly there seems to be almost snobbery directed towards cash usage creeping in. Haven't seen much of it in Ireland just yet, but was in New Zealand at Christmas (EFTPOS, as they call it, is everywhere) and went to pay for a round of beers with cash at this hipsterish pub in Wellington and the barman informed me that using cash was 'gross'. Twat.

PTH2009

Equal mixture of cash / card / phone pay

I'd use cards/paypal for online shopping for obv reasons but go old fashioned for other things and take money out

I don't get people paying on cards for drinks on nights out

Generally hate paying for anything in any form

seamus

Bracken81 wrote: »

So an average woman getting paid of a friday and going straight to Zara or similar using her card is seen as ok? For mortgage approval purposes

Whereas withdrawing €100/€50 is flagged?

Surely having everything logged and identified on your card is much mire dangerous

Depends on your definition "dangerous".

You're talking about mortgage approval here, where you voluntarily open your financials dealings to scrutiny.

A €100 cash withdrawal raises more question than €100 spent in Zara.

"This woman buys a lot of clothes, but she clearly saves enough on a regular basis, so she must know how to manage her budget".

"This woman has enough in savings, but she withdraws a lot of cash. What's she spending that on?".

oneilla

swingking wrote: »

Does anyone feel awkward using a card for a 2 euro transaction ?

Shops where you'd be spending only €2 tend to have minimum transactions

draiochtanois

Mostly cash

This post has been deleted.

murpho999

Mostly cash

Card nearly always. So much safer than cash.

I wish PTSB would hurry up and get Apple Pay though as it's super convenient.

murpho999

Mostly cash

oneilla wrote: »

Shops where you'd be spending only €2 tend to have minimum transactions

That will have to change though as it becomes more popular.

Also, I hate when places want to tap for you. Show the customer the machine and let the customer tap. Card should not leave customers hand.

So many places get this wrong with card machines hidden behind the counter.

Bracken81

Equal mixture of cash / card / phone pay

seamus wrote: »

Depends on your definition "dangerous".

You're talking about mortgage approval here, where you voluntarily open your financials dealings to scrutiny.

A €100 cash withdrawal raises more question than €100 spent in Zara.

"This woman buys a lot of clothes, but she clearly saves enough on a regular basis, so she must know how to manage her budget".

"This woman has enough in savings, but she withdraws a lot of cash. What's she spending that on?".

Very Interesting

all well and good until your credits (Demolition Man) get turned off for loitering

Dr. Kenneth Noisewater

draiochtanois wrote: »

This post has been deleted.

Of course cash has germs on it, so did the bar counter, so did his big stupid beard. So does your keyboard. In the hospitality industry, you don't talk down to paying customers, end of.

Deise Vu

Equal mixture of cash / card / phone pay

All my bills are direct debit. Holidays , flights, insurance etc are on-line so most of my payments are electronic but I take a fixed mount every week from an ATM for walking around money. That way I have an idea what I am spending every week and stick to it. If I see something I want and don't have the cash I use my card.

Sweden is almost entirely cashless and it is no Nirvana, people are worried about the power of banks, bank failure and even just cyber attack / technical breakdown (as we have seen with Ulster Bank on a regular basis here and with Visa recently).

https://business.financialpost.com/news/economy/no-cash-signs-everywhere-has-sweden-worried-its-gone-too-far