AIB going cashless around Kerry.

If these people are sending a fortune on cash, what do they need the bank for?

I know its not quite the same thing but I saw an article about a seller of the big issue getting himself a card reader because not as many people carry cash anymore so its coming. Lets face it eventually all transactions will be done using a phone/watch type device. But for the older generation for now there needs to be the option of cash, its not fair to expect an 80 year old born and rared in rural Ireland to go cashless and the regulator should tell the banks that IMO.

It's all fine and well moaning about a branch closing but if you use online banking to pay a bill, transfer funds or even just to check your balance then you are part of the reason for the closing. Stop using online banking :)

Well thats a backwards explanation, customers were pushed Completely towards online transfers predominantly/only BY THE BANKS because thats all banks want to do. For a long time I preferred to do most of my transactions online when it became available, this was useful to me, but I still went to the bank occasionally as I had a need to do so, BUT Banks themselves limited the things you could do in the Branch, in particular enquiries or interactions outside of what an in branch ATM can do. Even in branch ATM's at least have more features than privately run ATMs in service stations, such as lodgements of cash or occasionally Drafts.

You'd think people turned their backs on in-branch transactions, when they basically had no option, because banks themselves reduced the options to carry out transactions in the Branches themselves. In Branch ATMs are useful, so not only were Banks getting rid of Branches, they dont even want to provide access to ATMs, so if they wont even provide that service, then what the flying fcuk do they actually do? other than hold and use our money? If they don't provide the services I use them for, then why simply wouldn't people move to An Post or CU for their personal banking? because thats the main reason I'm with my Bank. One posterstated in reply that the PO and CU's could turn a profit where the Banks couldn't? If its profitable for private operators of ATMs and potentially there is profitability for the PO and CU's why is it that there isn't for Banks? Its not because there isnt profit, there just isnt enough, and no matter home much there is, it will never be enough.

Also, Its my recollection that PTSB went down during Covid (possibly it was just before), all services, online, cards and the mobile app were affected, as I have a PTSB account, I also had my legacy BoI account so I wasn't stuck in terms of getting cash or making payments, but I ensured I got some extra cash to have on hand in the event the problem spread, there seems to be a fixation with ONLY having a tap/card option, whats next? they wont even provide physical cards? With such a possibility with services/systems going down, having some branches and some Bank specific ATM only locations (not just service station ATM's) is a better option for the customer to me (as if Banks cared about that). Access to cash makes sense to me, having only one option and no back-up may be cheaper for the Banks but isn't necessarily the best option for the customers.