AIB going cashless around Kerry.

brokenangel

https://www.boards.ie/discussion/comment/119370991#Comment_119370991

So if you lose your mobile you don't know how to contact your bank? if you can't work that one out I am not sure it is safe for you to have a phone now

I guess you think the last part was funny but maybe not. Just to confirm they would not need to 👍️

https://www.boards.ie/discussion/comment/119371005#Comment_119371005

This thread is full of people looking for problems instead of solutions. No innovation or outside the box thinking. Same people probably gave out about dirty cash during the height of covid.

People used to barter, used to regularly use cheques, travellers cheques, and these have been replaced over time. Same for cash.

The argument about cash for small or local business is nonsense too, why would a business want to handle cash when it is heavy, dirty, costly and can be stolen? The only answer to that is to keep it away from Revenue.

qba73

https://www.boards.ie/discussion/2058255428/aib-going-cashless-around-kerry

It looks to me like a part of the WEF plan to eradicate cash and move entirely to electronic transactions... it's all about control, and it is happening across Europe.

Igotadose

https://www.boards.ie/discussion/comment/119371022#Comment_119371022

So, what benefit is there from doing this versus the cost of doing so to customers? The world actually doesn't revolve around AIB's desires, in case that's not clear.

The solution is simple - retain the ATM's and cash services.

Shelflife

The bottom line is that the banks simply dont give a shite about the majority of their customers, they are only interested in those that they can extract the most amount of interest out of through loans and credit cards.

The average Joe soap current account is only a waste of their resources and if we all closed those accounts with them they would be delighted.

We used to have 2 banks in our small town, now we have none, the world didnt fall apart but it was quiet an inconvenience to have to travel to do some basic banking transactions.

The people in the areas affected by AIBs decision can simply do their cash banking in the local PO, the PO is open longer 5 and a half days and 9-5.30, sure you may have to queue but you have to queue in the bank as well. If there are no ATMs in the towns presently id be very suprised if one of the local shops didnt step into the breach.

Personally I think its a **** but not suprising decision by the bank, they simply dont care or fell that they owe society anything despite society bailing them out.

Go into and support your local PO because if that goes then your locality will be really screwed.

topmanamillion

https://www.boards.ie/discussion/comment/119370827#Comment_119370827

How is a building full of cash requiring sophisticated security systems more secure than the Internet? ATMs have been pulled out of walls by gangs on a regular basis. The likes of Revolut has shown bricks and mortar banks that for the majority of their customers an online presence meets their needs. Thats where they've been investing heavily for the past decade. I cant really get my head around AIBs plans surprising people. Its been the natural progression ever since they started offering services online

brokenangel

https://www.boards.ie/discussion/comment/119371022#Comment_119371022

I do a bit of buy & selling via donedeal/adverts....anything from 5 euro up to 16k a few months ago....

Not anyone talking about carrying around cash to visit a stranger in a car park etc is totally crazy in this day & age. Revolut and if they don't like it tough!!!

A number of people have been unaware of it and after I explained they all signed up...so much easier and safer for evryone

https://www.boards.ie/discussion/comment/119371075#Comment_119371075

Plenty of options available:

ATMs will still be available across the country.

Cash transactions can be carried out at post offices across the country.

Change from AIB to BoI or PTSB (but they will follow suit, AIB are just first out of the blocks).

Pay more bank charges to AIB (but the majority whinge about paying a few euro per month then wonder why their local branch gets closed).

patnor1011

https://www.boards.ie/discussion/comment/119370897#Comment_119370897

You failed to register that AIB is taking out ATM's too. And let me not go in details like why it is not wise to use non AIB ATM's with AIB card.

waterwelly

https://www.boards.ie/discussion/comment/119371216#Comment_119371216

Please tell us why it's not wise to use non AIB ATMs with an AIB card.

Quitelife

Many Rural towns ATM would be very busy over weekends as many people from that town and surrounding towns use it. The local spar or whatever would not have that volume of cash in their ATM it to service this demand .

If you are in Dingle , Kenmare or other tourist towns you can quadruple what cash is drawn out of ATMs.It will have a major impact on people.

Furze99

I suspect that those, including politicians and bankers, advising that post offices will provide cash services have very rarely been in a post office in their lives.

Leaving aside that the airhead who runs An Post oversaw the closure of many post offices, typically these days you join a queue. That queue consists of people wanting to buy a stamp, people collecting their social, someone looking for some obscure government form and who needs help to fill it in, people with armfuls of parcels, people who want to have a chat with Mary or Tommy behind the counter and on and on. There's often only one or maybe two windows open and the queue crawls along.

Great for community gossip and so on and if you've little or no productive work to get on with. Otherwise an exercise in frustration.

Quitelife

Is it any wonder the Banks are pulling out and reducing services when so many people use Revolut a Lithuanian Bank to avoid paying fees at their local bank?

Will Revolut will put in ATMS for free as well??

Jim2007

https://www.boards.ie/discussion/comment/119371216#Comment_119371216

Yes when you make such a claim you most definitely do need to back it with factual details other wise we just assume you are blowing smoke.

Jim_Hodge

https://www.boards.ie/discussion/comment/119371216#Comment_119371216

Please elaborate. I do it all the time. No issues, no fuss. What should I be aware of?

Jim2007

https://www.boards.ie/discussion/comment/119371235#Comment_119371235

So how much are you willing to pay for the service then, how about 2 to 5 Euro a pop? Because that’s what it comes down to in the end. The service is unprofitable and expecting a bank or the taxpayers to carry the cost is not going to happen.

bad2thebone

I think An Post are going to take advantage of AIB's lack of foresight and people will move their accounts.

I'm impressed with An Post over the last few years, especially their delivery service.

If An Post have ATMs it'll gather momentum. Us rural people love our cash, especially when it's good for buying from farmer's markets, local take aways, and a cafe serving traditional breakfast, lunch and dinners.

The conspiracy theorists were on about this happening last year, and they were laughed at.

As they say the difference between a conspiracy theory and the truth is a few months these days.

https://www.boards.ie/discussion/comment/119371233#Comment_119371233

Just when you think some of the ignorant comments in this thread can't get worse, we have someone who thinks it's not wise to use an AIB card in a non AIB ATM 🤣

https://www.boards.ie/discussion/comment/119371235#Comment_119371235

Do you not think that cash requirement and demand on the ATM will reduce when more shops and suppliers move to accepting card payments?

https://www.boards.ie/discussion/comment/119371249#Comment_119371249

If you want to be more productive in your work make the move to bank transfers/Revolut/sumup etc, your mind will be blown at the speed and convenience, and you get to avoid the busy post office. Win win.

https://www.boards.ie/discussion/comment/119371250#Comment_119371250

People use Revolut because of the excellent service they provide, the speed at which transfers can be made (immediate, not overnight) and also because everything is offered in 1 app and its users have absolutely no desire to set foot inside a bank branch.

Dreamweapon

It's the idea that every single transaction i make is accounted for no matter how big or small that gets me. Whose business is it what i buy, where i buy it and when? It's all very Orwellian. And yet people seem perfectly happy to have their life documented and profiled in this manner. Personally, i've nothing to hide but i like my privacy.

Also, put €20 in your pocket and you're far less likely to spend your money on crap that you don't need or even particularly want. Exclusively tapping cards and phones creates a disconnect from what you're actually spending and a lack of respect for money or the cost of anything. If you operate cash only you're far more likely to question your potential purchase.

dollylama

I'm going to be the odd one out here and say - as a business owner who banks with one of the branches going cashless - I cannot WAIT to see the demise of cash!

If it even slightly reduces the number of idiots coming into pay bills thinking they can negotiate massive discounts because they're in possession of this mythical paper currency, bring it on! Not to mention the daily trips to lodge, the expense, the manual paper work tracking payments.

bad2thebone

https://www.boards.ie/discussion/comment/119371525#Comment_119371525

Could be the denise of your business too, but I wouldn't wish that on you or anyone.

Just be careful what you wish for.

Gooser14

https://www.boards.ie/discussion/comment/119371500#Comment_119371500

"Exclusively tapping cards and phones creates a disconnect from what you're actually spending and a lack of respect for money or the cost of anything. If you operate cash only you're far more likely to question your potential purchase."

I hold the opposite view to you on this. I tap all the time using Google Pay & by doing so I know exactly what I'm spending my money on. If I was using cash I would struggle to recall everything I spent the cash on.

brokenangel

https://www.boards.ie/discussion/comment/119370724#Comment_119370724

If a kid is 4 would you not buy them a toy?

You need to think about solutions, not problems!

Online vouchers for Smyths etc....cash is so 1980's

1874

What ever of closing branches, why are they trying to create a disconnect to their customers by removing ATMs? what actual service are Banks providing on a day to day basis that customers recognise them and later do other business with them? No banking service, no reason for customer to be a customer. I'd have thought the main banks could afford to have ATMs in service stations and Shops as exists now but they appear to mostly, if not all privately run. I'd be in favour of some of all services available, some branches in main locations, ATMs elsewhere with the customer option for TAP or cardless payments also, but all of one and no option for others leaves it wide open to be abused for service charges or being a single point of failure, power outage/data services down/DDOS?

The thing about card only services where there is no alternative is that small businesses may suffer in that they also pay a transaction for the "tap" or card/PIN machine, so for small amounts for small transactions if thats set at a minimum amount, prices can only go up, are you getting a service charge on both buyer and seller side every time? not with cash.

Post Offices can be chock a block with maybe one window open and Queues out the door,not much sense of customer service when the customer needs it in many instances. Ideal for ATMs inside locations and externally, I'd consider dropping my bank account if the PO provided an online alternative where I had physical access also, the main reason Im with the Bank I predominantly use now is they have an accessible Branch/Cash desk/multiple ATMs inside and outside, thats what a Bank is!

Do tourists cards work here, unless it's changed, I dont think US cardholders (tourists) have chip & PIN, even if they do, will they work? or might they prefer cash, rather than setting up APP services, they may be of an older generation too and mostly not want to be going that route, so impact on tourist spending?

Even in Dublin, I'm having ridiculous problems with a main mobile service provider and their data being intermittent, how can a person rely on that further afield?

Personally, I think there wont be a windfall for tipping or charities, I may tip in coins, I wont do by tapping or card payment, extra hassle and I dont know if the right people are getting it, thats possible with coinage too, but at least its visible to all the staff if there is a tip jar (not that Im a big believer it should be necessary). As for charities, I give fixed regular amounts I want records of, but I wont adhoc top that up by tapping or additional amounts, I'm inclined to think people will handover less than they have recently been inclined to. What next? beggers (not referring to charities) only accepting tap or chip in pin services?

I think, dont have all your eggs in one basket

1874

https://www.boards.ie/discussion/comment/119371566#Comment_119371566

I agree with the other person, people just TAP too easily and have no sense of what they are spending when they spend it, the samepeople wont even look at their account/records and have no sense or value of money or how they spend it. I've seen it and I belive it is widespread. It is possible to manage your money well and easily cashless, but most people dont do it that way.

breezy1985

https://www.boards.ie/discussion/comment/119369189#Comment_119369189

Do people have paperboys ?

Tap terminals are pretty common now in museums. Wouldn't know about the church cause I haven't been.

I got used to never using cash after living in London where ATMs have been disappearing for ages and some pubs/shops/markets are cashless now.

Personally I would rather still have the mix of the 2 but the "won't somebody think of the children/old people/tourists" brigade aren't helping running round preaching the apocalypse.

Furze99

https://www.boards.ie/discussion/comment/119371433#Comment_119371433

You maybe another who rarely darkens the door of their not so local post office! Personally I do indeed use bank transfers and PayPal etc as much as possible and encourage my customers to do likewise.

But........... I also use An Post services to deliver goods and therefore I visit post offices to buy their stamps and put parcels in their delivery system.

And frankly that's what An Post should stick to - delivering post and packages. They try to be community hubs and banks and all things to all people and they're just not up to it. I wouldn't go near any An Post financial services, as they are expensive and incompetent.

GNWoodd

https://www.boards.ie/discussion/comment/119369319#Comment_119369319

Yes. It is not just about banks going cashless. It is the endless destruction of services to people who mainly live in rural areas. It started about thirty years ago with the downgrading of hospitals eg Nenagh , Ennis etc and moving patients into overcrowded centres of excellence - like Limerick . That seems to working out well !

Then you had the closure of post offices ,Department of Agriculture offices and banks ( either reducing services or closing entirely )

Then you had the idiotic change to the drink driving legislation that has led to the closure of hundreds of rural pubs . All for what ?

If it keeps going as it is, people will sleep in rural Ireland and that will be all .

1874

https://www.boards.ie/discussion/comment/119371780#Comment_119371780

Wait until you have no alternative options, lets see if they start jacking up the rates

1874

https://www.boards.ie/discussion/comment/119371884#Comment_119371884

I'd have no issue with having Main Hospitals being centres of excellence, but the then former hospitals should be kept open as regional medical centres, where standard stuff can be done up to blood tests and X-rays and the Centres of excellence should be open late for a range of services with the main one (if more than one) in a region being open 24 for most services.

cal naughton

Only a matter of time before this is reversed. Government will remind bank of who bailed them out etc.

1874

https://www.boards.ie/discussion/comment/119371810#Comment_119371810

Well if the PO is the only one providing those services, what are people to do when the Banks versions are non existant.

Why cant there be a community service provider that provides all these, seems like a great opportunity for An Post to keep offices open with a range of services a community needs other than just posting letters or packages, between Credit Unions and Post offices, you'd think they have this sown up because the Banks dont want to do it.

MrMusician18

https://www.boards.ie/discussion/comment/119369157#Comment_119369157

Its abundantly clear why AIB and every other bank is doing this. There is no money in cash services. It's a cost, not a profit opportunity. Hardly anyone used cash these days.

Funnily enough, moving cash services to the post office, which in turn might make them profitable (or at least less of a loss) could save them from closure.

In short though, if people want to retain any service, they need to use it.

breezy1985

https://www.boards.ie/discussion/comment/119371902#Comment_119371902

They could already just jack up the rates on ATM use.

Or jack up what they charge companies to process cash.

You'll own nothing and be happy.

You won't even be able to take your money out of a bank they'll own it all.

macvin

Move to cashless has been cancelled.

I suspect some new cash charges will be brought in

FlubberJones

Seems its not going to happen anyway... AIB are not going ahead making the branches cashless,

Dirty money wins for now but the days of cash are numbered.

1874

https://www.boards.ie/discussion/comment/119372007#Comment_119372007

Jacking up charges on anything, Which will be much easier on cashless when there are no alternatives.

Jim2007

https://www.boards.ie/discussion/comment/119371942#Comment_119371942

Only if the government is happy to get an EU exception and willing to pump more tax payers money into the banks. The world is moving on and cash is not part of it. Give it six months and most people will have converted in any case.

cal naughton

That all makes sense to me however i have a feeling Colin Hunt won't like aib to get a kicking in the Sunday papers.

Im reply to jim

breezy1985

https://www.boards.ie/discussion/comment/119372037#Comment_119372037

I assume a load of people about to move bank made them cop on a bit.

https://www.boards.ie/discussion/comment/119371942#Comment_119371942

About 75 minutes it seems.

PHG

https://www.boards.ie/discussion/comment/119372153#Comment_119372153

I still see that as highly unlikely. People are inherently lazy and will bitch and moan before moving bank, especially the older generation

Kaybaykwah

https://www.boards.ie/discussion/comment/119369335#Comment_119369335

I live in Canada and rarely use cash anymore. I use my credit card, and for most transactions; paypass, or contactless payment. I never use debit cards. Credit cards make points, and debit are only that, and less safe all around.

Sure, we do keep cash in the house for some expenses, but few and far between.

macvin

https://www.boards.ie/discussion/comment/119372072#Comment_119372072

no one gives a damn about what the leftist media prints. Very few even read them these days.

breezy1985

https://www.boards.ie/discussion/comment/119372301#Comment_119372301

The threat and the potential bad publicly seem to have worked for now at least.

Cashless will probably happen (already has in some places) but I doubt it will be till the vast majority of the population are from computer literate generations.

breezy1985

https://www.boards.ie/discussion/comment/119372318#Comment_119372318

"Leftist media" in Ireland 🤣🤣🤣🤣