AIB going cashless around Kerry.

How do you buy a new heifer with Google Pay in a field with no reception?

It'll get fierce interesting this winter when the power goes out and takes the Internet with it. Good luck to you trying to buy briquettes with a dead phone.

I'm doubting (its actually rather stronger than doubt) you because they just simply didn't exist.

KBC opened a Hub in Naas in 2015. They did not have a branch in Naas at any point prior. This has since closed (2020 I believe).

They did not take over NIB branches. They did not take over anyones branches

You are just massively misremembering here. If you signed up in Naas it was in a hub, in or after 2015. You did not sign up in a branch prior to that as there was never a branch prior to that.

KBC did not even offer current accounts 10 years ago, so it is obvious that you do not have your dates right.

You can force the phone to request PIN or biometrics before allowing a payment.

I may have my dates incorrect, it's really not something I've obsessed over and your going way off topic to prove an unprovable point .

The fact remains, KBC Had a Branch Network, Took over another banks branch network,(NIB I believe) wound it down gradually and went with the Hub Model

From Wikipedia, more in the complete article

"KBC began operating a branch network in 2012 with a further build-out in 2014. This follows the exit of Halifax Ireland and Danske Bank from the Irish retail market, with some branches being located in former locations of those banks"

I give up , honestly a bewildering pedantic discussion. Honestly read the Wikipedia article , I'm no banking expert but it's all there .

Have you thoughts on AIB's decision 🤔

It's not bewildering - you have a massively corrupted timeline in your memory. That's all.

AIB are clearly intending to cut their branch network to the bone; the removal of the ATMs shows that.

Its not just Kerry that's going to be left with no banks. Rural Donegal is going to be left with two (cashless) AIBs - Killybegs and Dungloe, one BOI - Falcarragh, and after everything settles, one PTSB (they are buying some Ulster branches) that may or may not be cashless - Glenties.

Every settlement of more than maybe 600 people had a bank branch even in the early 00s - some were very part time, admittedly (NIB/Danske Arranmore was one day a week in a pub lounge - AIB took that over briefly after Danske left). Some of these don't have even have post offices now, and the post office replacement service is bugger all use for businesses. Going to be some interesting fallout.

A card rejection at the till is most likely lack of funds. Had you stood behind that person at an ATM you would have witnessed the same result.

If your local AIB is affected by this you can use the post office. There was uproar in recent years about post offices closing, here is a great opportunity for An Post to deliver cash services in local communities. They're well used to handling large amounts of cash for welfare payments.

Do consider though that AIB will have 2 years worth of data since the beginning of the covid pandemic that proves non cash transactions are outstripping cash transactions at a huge pace, and this is back up by figures released by the Banking and Payments Federation of Ireland. The stats show that cash usage is like catholic weddings, hanging in there like a bad smell because an older cohort seem to want it. But the younger generations coming behind aren't interested.

Are you suggesting I'm being misleading, hardly appropriate for a Moderator, I've told you I was unsure of dates , never hid that, how many people do you seriously know date and time they opened a bank account 🤔

I personally believe I've banked with KBC for at least 10 years, they had a Branch network, wound it down , moved to a Hub model these are facts and you just refuse to accept this and then swipes. Really 🙄

Your persistence on an entirely unrelated matter is extraordinary, isn't it any wonder folks don't post their thoughts , opinions experiences on Boards without having to fear getting into extraordinary back and fourths.

My word I've come to expect this in Political threads not on a predictable Banking decision.

I'm not responding further to this , it's getting absurd

I'm suggesting your memories are wildly incorrect, as backed up by reality (KBC didn't even have a current account product 10 years ago, they never bought anyones branch network, their only ever branch in Naas opened in 2015, etc).

You may claim these are facts, but they absolutely and utterly aren't - you are mistaken. Every bit of evidence shows that you are mistaken. Nothing here is "swipes", just pointing out that actual reality cannot allow your mistaken memories to be real.

I would suggest you read up on the Mandela Effect. I suspect you've merged whatever bank you used before KBC in to KBC in your memories - but your memories are not right, and are absolutely not facts.

Legal tender only exists in the case of a debt - and even then there are some limits on it (mainly to stop the "here's 100,000 1 cent coins" type annoyance stunts). It's implausible that the concept would be extended to normal purchases.

What paper money do you hand over for €41.72 of goods that's easier and quicker than me tapping my phone for the same amount in the next aisle over? I'm gone out the door before you have change in your hand.

There's basically no reason for the State to care about that happening. Producing cash costs them money. They have made major moves to reduce cash usage in the past decade plus - changing and cutting debit card stamp duty, increasing the contactless limit, introducing change rounding and so on.

It was a specific intent of the 2011-16 Government to move payments from cash and cheque to electronic and they had the National Payment Plan to trial and implement that - the Governments since have not changed tack.

You need the sale of briquettes to be legal. Which it rather soon won't be.

There will still be atms and cash just AIB will be cashless on certain branchs so you will still be able to give little Jonny his birthday present

Big loada nonsense. Cash is just a physical bit of paper and physical bit of metal. It’s its banter and meaning that matters. World changes, always has and always will. Can’t hold back the tide.