Shops refusing to accept cash

Sure. I haven't suggested (and nobody else has suggested) all solicitors steal from bank accounts. So I've no idea why you keep coming back to that as if it's relevant.

But you're dead wrong on another point. Cash is the method of choice for most criminals. It's how the vast majority of money laundering is done, for example. But I think youre willfully conflating the fact that the majority of money laundering is done using cash with the idea that anyone who accepts cash is engaged in crime. I presume that's why you think the point about the solicitor is relevant.

Also. Has anyone told you how much cash you can use and which whom or is it totally hypothetical?

Can you quote a post which has done that?

you are making hige assumptions,first you assume becasue a shop or business operates only in cash and doesnt have a card facility that they are on the fiddle? now what's being suggested is such a place are paying people under the counter because of the same reason?? it may happen, but unless you know for sure you cant state it like it is a fact.

Other than being on some kind of fiddle there is no good reason for a business to be cash only. Stripe charge 1.4%. Processing cash has to be more expensive and certainly less secure. I don't buy the whole 'cards are too expensive' rubbish.

Revenue are far cleverer than just going by returns. There will be substantial cross referencing and they will also profile a business. And if one part doesn't match, its ripe for an audit.

An audit can include cross referencing with suppliers. So say they used musgraves, they'd ask musgraves for details if they were suspicious. Very little gets by the eye of revenue.

Paying suppliers by cash is an excellent way to avoid bank charges. Paying staff wages is another. To avoid bank charges, my old boss lodeged to PTSB where he did not pay charges, then got a draft and paid it into the company account.

I'm sure his accountant loved that...

It wasn't unheard of for retailers to push cashback to anyone paying by debit card if they were carrying substantial amounts of cash / on weekends if they had no bank nightsafe option. Dunnes and Golden Discs locally to me both did so.

My local newsagent will go in to "up to, at retailers discretion" band on lotto wins if he has the cash at hand - doubt he'd have it now!

🙄🙄

The same thing was probably said about cheques. It probably depends on how good you are at handling money in the first place and how adaptable you are to new ideas.

I find it easier to manage money because I can see it on my banking app. I know exactly how much I have in my current account, savings accounts etc., and exactly how much I spend because it's all there for the whole month (years actually). So it's easy to see what I'm spending money on throughout the month. It's unlikely that I'd remember off thr top of my head, what I spent on everything 3 weeks ago. But the app shows it in seconds.

Yea a local shop has a machine now to take money and give change and when they cash up in the evening they use gloves.

Reminds me of a aunt that married into a shop in the 1930s and would always wear gloves when handling the money

The main purpose of those machines (my local Spar has one) is to stop cash being robbed, but also to stop the staff fiddling the till.

They don't have GDPR.

They would be exposing themselves to fines of hundreds of millions of Euro if they used your data without your consent or sold it to third parties. It's hard to keep things like that secret.

someone in the pub told you that didn't they? Same person said the earth was flat and covid is not a thing

Could you please explain WHY gardai would have any interest in snooping on card purchases and WHY a purchase from lidl would be suspicious and HOW they would be able to snoop on you.

I'd really love to know your answers cos I could do with a good laugh on a monday. I also have to deliver a speech next week at an event, so would like a funny story like this to put in the speech. The speech is about how gullible people are in the age of social media.

Not anymore. The local dealer will happily take revolut or further up the line crypto. Criminals have been since time began and always will be a step or 2 ahead of the people chasing them. For every dealer they catch, convict and eventually maybe send away there's a lot more waiting to take over. Half the guys in jail are still running the business from in there anyway. Sometimes in life u have to admit defeat and the war on drugs was lost a long time ago.

I pay my friend 200 euros through revolut wheres the proof it was for drugs?

The people I know operate on a few bags a week mostly to friends it's hardly gonna set off alarm bells with anybody there's thousands of small dealers like that all over the country. Do we have enough police to track all their bank transactions down? No. The bigger guys up the ladder have their own ways of doing things. Crypto is the new way of doing large amounts of big transactions untraceable. Cash is no longer needed. Anybody that thinks cashless will stop illegal transactions is deluded. Cash will always exist but it is dwindling. No amount of pushing cashless will stop criminals there's always a way.

I'm not completely disagreeing you. I'm just saying will cashless make things harder for criminals? Yes. Impossible? No. They already move large amounts electronically but it is getting harder. The right accountant can launder the money through "legitimate businesses"

Just go off grid! What did people do when everything was on tick from the corner shop?

But when paying by card, you have a clear record of your spending, unlike forking out cold hard cash

Tescos knows exactly what you bought - every items is scanned and they give you an itemised receipt, remember? And if you paid for it with a card, or if you paid cash but used a loyalty card, they know exactly who bought it.