B&Q Refusing Cash Tranactions

Steve F

While we are on the subject.
A little while ago the touch screen ordering consoles in a well known Burger outlet were swabbed and tested.
Nearly every one tested positive for human excrement.
So if you didn't wash your hands after ordering before eating your meal you were almost certainly getting "extras" with your Burger....Errrgh

TheDriver

Caranica wrote: »

You can buy tokens or keyrings that fit trollies. I haven't put actual cash in a supermarket trolly in the last decade.

Don't think they work on Aldi trollies.

FluffPiece

You can get key rings that work on Aldi trolleys also.

In a pinch, a round end of a house key also works in both. It's a bit awkward to get it to work on an Aldi trolley, but it works. It slots right in on the likes of Lidl and you can easily take it back out again right away so you can shop without the key sticking out

Caranica

TheDriver wrote: »

Don't think they work on Aldi trollies.

Aldi sell the ones that work on them from time to time. Also, I have one that I got from Amazon that works on both 1 and 2 euro style trollies.

the_syco

Guy:Incognito wrote: »

People in the US use venmo to send send a amounts of money between each other.

In Canada, you could attach your email to your account, so to send money, you send money to their email account, and it'd get sent to their bank account. Very handy. Paid my landlord rent via it, and great for sending people money for bills.

Can see it happening in Irish bank accounts in 80 years time.

Flickerfusion

the_syco wrote: »

In Canada, you could attach your email to your account, so to send money, you send money to their email account, and it'd get sent to their bank account. Very handy. Paid my landlord rent via it, and great for sending people money for bills.

Can see it happening in Irish bank accounts in 80 years time.

AIB had that a few years ago and gave up on it as nobody was using it. I think the major issue was the other financial institutions didn’t jump on board and it meant it was AIB only.

You can transfer money to any IBAN usually within a very short time. I mean I’ve transferred money from AIB to French accounts and it’s arrived within a couple of hours.

Bank of Ireland is always 24 hour cycles and strictly business days. They’ve always been a pain though.

Also the cost of doing an IBAN transfer here is usually very low or almost free. It can be extremely expensive to do a wire transfer in the USA and BACS in England is prohibitively expensive for small payments.

I’ve paid plumbers, electricians, refunded friend for stuff electronically here. I also am self employed and almost all of my invoices are paid by electronic banking these days and have been for years. It’s cheaper than writing and posting cheques.

The PSD2 (payment services directive 2) opens up a lot of possibilities as banks have to open APIs for service providers. So you’re likely to see a lot of innovative stuff in the months and years ahead across the whole Eurozone. Irish banks won’t be able to drag their feet or set the pace of change on it.

irelandrover

Lots of shops and restaurants in my area don't accept cash anymore. I live in the Netherlands.

I can also create a payment request with my bank and send it via whatsapp. Doesn't matter what bank the other person is but they can transfer me the money easily. It is used all the time here. Bought something second hand last week and paid in this way.

https://www.abnamro.com/en/newsroom/press-releases/2016/abn-amro-enables-payments-via-whatsapp-in-the-netherlands.html

I barely use cash at all anymore.

Flickerfusion

That was AIB Me2U : https://aib2.aibtest.ie/ways-to-bank/me-2-u

It was a handy service with potential and I don’t know why they launched it, with a fair bit of publicity, only to shut it down again shortly after. Perhaps it was just an experiment.

WAW

There are germs, bacteria, viruses everywhere. Good for your immune system. Cash isn't the dirtiest thing you'll come across anyway, not that it matters anyway for the vast majority of us with normal, functioning immune systems.

WAW

A financial exchange between 2 people should be possible without a (or multiple) third party/ies having control over that. Electronic only payment is not a good idea. You do not control that transaction. Whether by card or revolut or other electronic payment. They do. And if for any reason in the future, their systems don't work or more sinister scenarios, then you go without. I feel more secure with cash alongside my card!

maestroamado

Nozebleed wrote: »

I was at my local B&Q this morning..where i queued for 20 mins to get in and then a further 20 mins to pay for my stuff only to be told the no longer take cash transaction in accordance with government guidelines. I was shocked..told the woman i have only cash..i was then asked by the staff member do i know someone with a back card who could pay for the items in question..but she new by the face on me..not to ask anymore questions.

is this legal practice on the part of B&Q?

I will ask you for the opinion of the forum as i was blocked for a time for being rude to one of the bosses i think??? though not sure??
I always was of opinion "legal tender" could be produced for retail goods anywhere in the country.
Online shopping flights/hotels different game.

I be thinking about 90% of my purchases are credit card i would always carry at least €100 cash as i like the feel of having cash.

L1011

maestroamado wrote: »

I will ask you for the opinion of the forum as i was blocked for a time for being rude to one of the bosses i think??? though not sure??
I always was of opinion "legal tender" could be produced for retail goods anywhere in the country.
Online shopping flights/hotels different game.

I be thinking about 90% of my purchases are credit card i would always carry at least €100 cash as i like the feel of having cash.

Your forum ban was in another forum (by another mod - its not even a forum I read), not here. Regardless, you don't discuss moderation on-thread anywhere except Feedback and Dispute Resolution anyway

maestroamado

L1011 wrote: »

Your forum ban was in another forum (by another mod - its not even a forum I read), not here. Regardless, you don't discuss moderation on-thread anywhere except Feedback and Dispute Resolution anyway

So its normal practice to ban a poster without informing of reason.
The other mod?? i like to know what i did??

L1011

maestroamado wrote: »

So its normal practice to ban a poster without informing of reason.
The other mod?? i like to know what i did??

Take this to the Help Desk - you were never banned (or even warned) here, so as well as breaking basic site-wide rules you're in completely the wrong place.

DO NOT reply to this on-thread.

Darc19

TheDriver wrote: »

Don't think they work on Aldi trollies.

Old 2p coin or sterling 2p coin works in aldi trolley

zerosugarbuzz

Quackster wrote: »

I can't understand why anyone would want to though for the vast majority of transactions.

Hopefully this move against cash will be a dagger to the black economy.

More like a method of monitoring every cent everyone spends. Way too big brother for me.

Darc19

maestroamado wrote: »

I always was of opinion "legal tender" could be produced for retail goods anywhere in the country.

I really wish people would educate themselves on the correct meaning of "legal tender". It would save many embarrassment when they start making a fool of themselves in shops.


Earlier in the thread someone even said stamps were legal tender. No they are not.


Legal tender simply does not come into the equation in a retail transaction.


If b&q want you to do jumping jacks as part of the transaction, they can do so. If they want to refuse cash, they can do so. If they want to put a minimum spend of €5,000 they can do so.

FluffPiece

Funnily enough, a minimum spend using a debit card usually is in breach of contract they sign up to when getting card terminals.

Otherwise yes, invitation to treat applies. Wait til they find out about retailers not being obliged by law to give change, but rather it's just good business sense for obvious reasons.

L1011

If anyone does want to discuss the change thing, just search for one of the old threads please! Its pretty thoroughly discussed in those.

micosoft

Flickerfusion wrote: »

We actually have a really good credit transfer system built on SEPA. The instantaneous version, SCT Inst, needs to be rolled out by the banks here but there’s a wide range of services around the corner built on some of those platforms as those markets are opened EU wide.

There’ll be a lot of possibilities emerging for processing payments.

Yup. It just requires legacy banks to upgrade their backend systems as we move from batch processing to realtime (a big investment and why Bank of Ireland is so far behind - Irish Permanent had real-time processing over a decade ago). Once SEPA instant is in place it will be trivial. As an aside - another example of why being in the Eurozone works so well.

The J Stands for Jay

Guy:Incognito wrote: »

I havnt used cash to pay for a take away in about a year. chippers, pizza places etc all do cards . If Im getting it delivered its paid online.

I havnt used an atm this year.

Just checked to see when I last used an ATM, June 2019.

The J Stands for Jay

charlie14 wrote: »

What can I tell you, from many business`s I have dealt with they prefer cash and I prefer paying in cash as I find it has more advantages than card.
I withdraw my salary in a few transactions, and as much as it annoys me, that is the only charge I pay banks. If business`s do not wish to take legal tender for their products, best of luck too them. I have never found a problem finding ones that do. Even quite a few that will give a discount for cash.

Mmmmm, vat fraud.

The J Stands for Jay

tjhook wrote: »

. Or asking a colleague who's nipping out to the shop "Here's a fiver, can you get me a sandwich?". I can't see us instead saying "Do you know your BIC and IBAN off the top of your head, so I can go online, set you up in my online banking as a payee, and transfer a fiver plus charges".

Everyone in my department has had a revolut card for ages. There was always someone asking "Get me a coffee, I'll Revolut you." Get the right money straight away, no having to struggle to get change for everyone, no fannying around.

The J Stands for Jay

cbreeze wrote: »

You may still need coins for supermarket trollies. Aldi trollies need the €2 coin.

I keep an old British 2p coin for those trollies

BeardySi

McGaggs wrote: »

Everyone in my department has had a revolut card for ages. There was always someone asking "Get me a coffee, I'll Revolut you." Get the right money straight away, no having to struggle to get change for everyone, no fannying around.

Those who want to find problems will.

Those who want to find solutions will.

Discodog

Over 100,000 people don't have bank accounts. I personally know of someone who wants a bank account but can't open one as they don't have a driver's license or passport. Insisting on card payment may be legal but it's clearly discriminatory.

https://www.irishexaminer.com/ireland/politics/100000-adults-in-ireland-have-no-bank-account-161470.html

Nozebleed

Nozebleed wrote: »

im sure they can request a preferred method of payment but the cant refuse legal tender.

They can and they do. No company is obligated to sell the product to you.

The signs are also perfectly visible outside while you wait to enter and in my local b&q they tell you when entering

freshpopcorn

Discodog wrote: »

Over 100,000 people don't have bank accounts. I personally know of someone who wants a bank account but can't open one as they don't have a driver's license or passport. Insisting on card payment may be legal but it's clearly discriminatory.

https://www.irishexaminer.com/ireland/politics/100000-adults-in-ireland-have-no-bank-account-161470.html

I know somebody who didn’t have either of these and he got a document with his photo on it signed at the Garda station and it worked for him when setting up his bank account!

Discodog

Discodog wrote: »

Over 100,000 people don't have bank accounts. I personally know of someone who wants a bank account but can't open one as they don't have a driver's license or passport. Insisting on card payment may be legal but it's clearly discriminatory.

https://www.irishexaminer.com/ireland/politics/100000-adults-in-ireland-have-no-bank-account-161470.html

Can’t they apply for a Public Service Card?, this authenticates your identity.

Discodog

Niner leprauchan wrote: »

They can and they do. No company is obligated to sell the product to you.

The signs are also perfectly visible outside while you wait to enter and in my local b&q they tell you when entering

Off topic but have you ever been asked to sign a ML10 ID ?

Discodog

freshpopcorn wrote: »

I know somebody who didn’t have either of these and he got a document with his photo on it signed at the Garda station and it worked for him when setting up his bank account!

He tried that & the Garda said that he couldn't sign it as the person wasn't known to him.

Discodog

Dav010 wrote: »

Can’t they apply for a Public Service Card?, this authenticates your identity.

Not according to the Bank. Has to be a passport or driver's license.

Dravokivich

Dav010 wrote: »

Can’t they apply for a Public Service Card?, this authenticates your identity.

The PSC isn't an ID. It's more of a key card for public services.

Discodog

Discodog wrote: »

Off topic but have you ever been asked to sign a ML10 ID ?

Indeed I have. I have signed them in the past for various people but now only for people I personally know and only when they legitimately have no alternative.

We get into a lot of trouble if we sign one that turns out to be false and it's abused by people who use them as id for everything.

Edit: plenty people actually know a Garda. Neighbors, friends, family and so on.

Dodge

Discodog wrote: »

Over 100,000 people don't have bank accounts. I personally know of someone who wants a bank account but can't open one as they don't have a driver's license or passport. Insisting on card payment may be legal but it's clearly discriminatory.

https://www.irishexaminer.com/ireland/politics/100000-adults-in-ireland-have-no-bank-account-161470.html

That article is 9 years old. I’d imagine the number is significantly less now.

It’s also not discriminatory.

Discodog

Dodge wrote: »

That article is 9 years old. I’d imagine the number is significantly less now.

It’s also not discriminatory.

If water is leaking & you need an item, at the weekend, it's very discriminatory.

Dravokivich

Dravokivich wrote: »

The PSC isn't an ID. It's more of a key card for public services.

https://psc.gov.ie/what-is-the-public-services-card/
"The Public Services Card establishes and fully authenticates your identity"

If you go to the ccpc site, it says banks will accept this, some will also request a birth certificate, which everyone is entitled to.

AIB will accept a National Identity Card issued in an EU country

Discodog

Discodog wrote: »

Not according to the Bank. Has to be a passport or driver's license.

Which bank? AIB will accept a PSC as a form of ID.

https://aib.ie/our-products/savings-and-deposits/personal-identification-requirements

Dodge

Discodog wrote: »

If water is leaking & you need an item, at the weekend, it's very discriminatory.

Go to a different shop or borrow a friends card.

We can continue to go over this again and again but shops choosing their method of payment is not discriminatory.

In your example above, what if the item I need is 500 but I only have 300. Am I being discriminated against because I can’t afford it?

Dav010

Dav010 wrote: »

Which bank? AIB will accept a PSC as a form of ID.

https://aib.ie/our-products/savings-and-deposits/personal-identification-requirements

Didn't the data protection commissioner have an issue with this? I thought they came out saying companies not directly mentioned in the psc framework were to stop listing it as an accepted id.

Dodge

Dodge wrote: »

The issue was with organisations making it mandatory to have one. Not with accepting it

And it is being appealed by Government.

Dodge

Dodge wrote: »

The issue was with organisations making it mandatory to have one. Not with accepting it

Found it. Wasn't the data commissioner.

"However, under the 2005 Social Protection Act, the legislation most frequently cited by the State as forming a legal basis for the controversial PSC, any enterprise seeking to request the card as a form of identification which is not on a list of specified bodies is committing an offence, with a penalty upon indictment of €13,000 or three years in prison, or both."
(https://www.irishexaminer.com/breakingnews/ireland/gardai-ordered-not-to-use-psc-for-vetting-961152.html)

It relates to Gardai allowing people to produce a psc card as id for vetting. I can't see any mention of banks in the list of specified bodies so I would think it applies to them as well.

dennispenn

boycott any place that doesnt take cash

dennispenn

dennispenn wrote: »

boycott any place that doesnt take cash

It seems petty considering there is a valid reason for shops to currently not want their staff to handle cash.

Bubbaclaus

dennispenn wrote: »

boycott any place that doesnt take cash

No.

dennispenn

dennispenn wrote: »

boycott any place that doesnt take cash

Great idea.

You go find a shop accepting cash and pay whatever they are charging while sensible, reasonable people spend less time waiting outside for the large, cheaper location.

SteM

Discodog wrote: »

Over 100,000 people don't have bank accounts. I personally know of someone who wants a bank account but can't open one as they don't have a driver's license or passport. Insisting on card payment may be legal but it's clearly discriminatory.

https://www.irishexaminer.com/ireland/politics/100000-adults-in-ireland-have-no-bank-account-161470.html

They're the numbers from 9 years ago, I'd imagine since the introduction of the public service card and services like revolut that number has dropped a lot.

Discodog

SteM wrote: »

They're the numbers from 9 years ago, I'd imagine since the introduction of the public service card and services like revolut that number has dropped a lot.

How has Revolut changed anything when you need a bank account to have a card ?

Discodog

Dav010 wrote: »

It seems petty considering there is a valid reason for shops to currently not want their staff to handle cash.

Is there ? The WHO said the risk was negligible. Supermarkets take cash & they have had extremely low levels of Covid. B&Q are the only store, that I have heard of, who aren't taking cash.

L1011

Discodog wrote: »

Is there ? The WHO said the risk was negligible. Supermarkets take cash & they have had extremely low levels of Covid. B&Q are the only store, that I have heard of, who aren't taking cash.

O'Brien's off licences
Insomnia cafes

Just two I used yesterday.

IKEA, McDonalds also

Very few food service places are taking cash at all.