AIB going cashless around Kerry.

Tefral

Whatever about the banks internally losing the cash services, to remove the ATM machines too was just mind boggling to me.... I think this is where they ultimately got the peoples backs up.

dollylama

https://www.boards.ie/discussion/comment/119371539#Comment_119371539

I can safely say "cash" customers are the absolute worst payers and the most difficult customers. The sooner these guys have to work with modern, tracked payment methods like everyone else, the better

PHG

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

Though I have issues with most of your post, the part about the idiotic changes to the drink driving laws is ridiculous. What was it for? To save lives!! Maybe go spout that **** to someone who has lost a family member due to to drink driving saying you prefer an extra 2 pint more than more people dying on the road.

If you decided to live out in the middle of nowhere and expect everything around you because you have chosen to stay there, then its on you! Why should someone else's taxes pay for you to have the same services in a town or city?

AIB are cowards for backing out. The conspiracy crap going on in this thread about internet going down, power cuts etc. The internet has never gone down around the world. Power has gone down but restored quickly. People under 60 are unlikely to use ATMs every day or every week even.

The tide was sped up with Covid and people learned to go cashless. If your phone is stolen there all but zero chance of breaking into your bank account. All frauds are done predominantly via social engineering. MFA (google it if you don't know what it is) is everywhere for security. If you lose your phone you can connect with revolut or N26 in other ways and on your laptop.

As for the privacy of what you spend. The is again ridiculous, you are on boards where you have accepted at minimum Strictly Necessary Cookies. If you use any social network they are way more intrusive and know more about you than you do. They can learn more from your Dunnes card spending habits than bank account. There was a famous case years ago from Walmart who were able to tell if you were pregnant before you were based on the change in your spending habits. See https://www.forbes.com/sites/kashmirhill/2012/02/16/how-target-figured-out-a-teen-girl-was-pregnant-before-her-father-did/

I would guess a number of people here are complaining because they will lose out on nixers. Plenty of people doing them using well known financial apps as a separate bank account.

Igotadose

I think AIB and others probably learned something

We as a society are moving out from under the pandemic. Forcing a change now because people started to do things a little differently that was not obviously to anyone's immediate benefit was amazingly tone deaf. Plus the "tough luck" messaging pathetic

wassie

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

CHunt

Says it all really.

pleasant Co.

I fully expect new cash handling fees to appear for aib customers in the coming months.

bad2thebone

https://www.boards.ie/discussion/comment/119372379#Comment_119372379

I hear you, if you get a customer paying by card it's in your business account, and if their card is declined no sale. And you're not out of pocket

Fair enough, you're running a business and it's your lively hood. And you're entitled to run it your way.

I get what you're saying

Furze99

https://www.boards.ie/discussion/comment/119371950#Comment_119371950

An Post have been busy closing post offices and shunting stand alone sub POs into small supermarkets etc.

If they were actually run competently, they could do a decent job of it. But too many management staff in An Post feeding off the tits of the taxpayer and who believe in doing as little as possible in as long a time as possible.

wassie

Cash is not going away anytime soon, regardless of anyones individual view.

Here's the EUs take on the 'role of cash' in society.

https://www.ecb.europa.eu/euro/cash_strategy/cash_role/html/index.en.html

SuperBowserWorld

I think we haven't decided how we want to proceed as a nation and have said **** it and let the market and hubris decide.

Wanderer78

its truly time for the implementation of public banking systems, we cant keep allowing vested interests run such a critical social need....

Strumms

https://www.boards.ie/discussion/comment/119371539#Comment_119371539

I’ve no problem seeing businesses completely fall into the gutter when they have such a lack of empathy, understanding and instead exude such contempt for customers of theirs.

Strumms

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

Excellent point, the citizens kept them in existence via bail outs when they made a balls of running themselves through absolutely catastrophic levels of incompetence and our thanks….? Cashless banks !?

Wanderer78

https://www.boards.ie/discussion/comment/119372852#Comment_119372852

...im not so sure it was incompetence there, as it was clearly largely intentional in what occurred....

bad2thebone

https://www.boards.ie/discussion/comment/119372829#Comment_119372829

I see where you're coming from, it's their own downfall of they loose good customers and make it all inclusive for a certain credit transaction.

I've noticed lot of the old hardware shop's that were around for decades and they had a good relationship with customers they're still standing. They knew about the customer being the most important person in the shop. and because they are family run as well as a few trustworthy locals working there too they built up a good customer trader relationship.

I prefer the old school dusty quirky shop's to the new clinical experience.

Mind you I do stop into woodies now and again lol

SuperBowserWorld

BOI probably sitting watching this and plotting what they can get away with.

Furze99

https://www.boards.ie/discussion/comment/119372914#Comment_119372914

You're only ever as good as your last customer!

breezy1985

https://www.boards.ie/discussion/comment/119372724#Comment_119372724

Just for me personally this is the biggest benefit of cash.

It helps you keep track of your expenses. Cash allows you to keep closer control of your spending, for example by preventing you from overspending.

And when I worked with money behind the bar counter this is the biggest myth

It’s fast. Banknotes and coins settle a payment instantly.

Might be different in other industries but if a pub is set up for it contactless is so much better.

From a small transaction point of view this couldn't be more wrong in my experience

It’s secure. Cash has proven to be secure in terms of cybercrime, fraud and counterfeiting. And, as it’s central bank money, it doesn’t entail financial risks for either the payer or the payee.

bad2thebone

https://www.boards.ie/discussion/comment/119372935#Comment_119372935

Which came first the customer or the seller:)

Wanderer78

https://www.boards.ie/discussion/comment/119372947#Comment_119372947

economist dan ariely has found that more cash transactions actually prevent more over spending, as we identify more with the transactions, i.e. we feel it more than cashless transactions, as theres an element of disconnection while engaging in cashless ones, i.e. we spend less during cash transactions....

breezy1985

https://www.boards.ie/discussion/comment/119372991#Comment_119372991

I'de definitely agree with that

SuperBowserWorld

If someone in a nice part of rural Ireland wants to do a house swap to be near a cash bank then let me know. House comes with free noise and air pollution and neighbors. Lots and lots of anonymous neighbours. 😁

GNWoodd

https://www.boards.ie/discussion/comment/119372386#Comment_119372386

You are confusing me with other posters . I never mentioned the issue of the technology going down or losing the mobile . I don’t believe those to be factors .

What has caused this uproar is a gradual elimination of services, such elimination disproportionately affecting rural areas. These decisions are being made at a remove from those most affected. There are people who live in rural areas of this country who aren’t tech savvy and deal exclusively in cash . It is the only way they know . Even those that are well up on technology sometimes need the one to one interaction.

In relation to the changes to the drink driving legislation ; Again, these changes were made without any recourse to those affected or any scoping of their effects . Even Shane Ross in the Seanad ( in a debate on the then proposed changes ) could only produce figures ( for accidents caused by motorists with minimal if any impairment )that were years out of date . I’m not condoning drunk driving but the reality is that since the changes were made , rural people simply aren’t going to pubs . And yet another interaction is gone from rural life . Rural isolation is killing many more people than motorists with a few pints ever did .

Ubbquittious

Woohoo! Backlash! F**K yeah!

breezy1985

https://www.boards.ie/discussion/comment/119373408#Comment_119373408

What a load of sht on the drunk driving. If people are so desperate to the point of death for a bit of interaction they can always go to the pub and not drink alcohol.

It's the attitude you need to get pissed to interact is the problem not the driving ban.

Pubs are closing in areas that don't require driving too. People have a more varied social life now and ATMs disappearing are not just a rural thing either.

Montage of Feck

I got into the tap to pay thing during the COVID but will be back to withdrawing dirty filthy cash once more. To see people happily turn over their lives to soulless corporations makes me despair for the future.

rob316

I think they should of announced phasing out of the cash services and pushing people towards the post office but it was just so abrupt that they were doing it in 8 weeks a time. I'm glad they reversed it but its just delaying the inevitable, cash is on the way out sooner or later

breezy1985

https://www.boards.ie/discussion/comment/119373524#Comment_119373524

Where do you get your money from and who do you withdraw it from ?

L1011

Anyone trying to justify drink driving in any way, shape or form can go find another forum

Jakey Rolling

https://www.boards.ie/discussion/comment/119372045#Comment_119372045

They rolled over a bit too easily there - half of me thinks this was a conspiracy orchestrated to boost Micheal Martin's popularity. See how he stood up to the nasty bankers and made them back down!

Makes me cringe seeing the locals on FB celebrating their "victory" of retaining the status quo i.e one bank in town with a monopoly, who will now ratchet up charges so you pay a fortune for cash transactions and ATM withdrawals.

Montage of Feck

https://www.boards.ie/discussion/comment/119373594#Comment_119373594

It one's thing working for your money it's another thing to give away control of it and/or possibly your future liberty.

Strumms

You are on holiday, your wallet gets half inched with your card… now you have a few hundred in the hotel safe ,it’s a pain in the arse but cash,, you are ok… you’ll get yourself fed, enjoy a few more amenities etc…

cash is always a great fall back..

downtheroad

https://www.boards.ie/discussion/comment/119374327#Comment_119374327

Just use your phone or watch instead of the card, sorted.

breezy1985

https://www.boards.ie/discussion/comment/119374308#Comment_119374308

Where do you withdraw your money from and what can they do in a cashless society that they can't do right now.

Montage of Feck

From the Credit Union or ATM, it's nice to be able to hold your hard earned cash in your hand. But most importantly of all choice and the ability to maintain my anonymity is maintained by choosing to use hard cash.

patnor1011

https://www.boards.ie/discussion/comment/119371297#Comment_119371297

Like significantly higher fees for example.

patnor1011

https://www.boards.ie/discussion/comment/119371264#Comment_119371264

See my reply to other Jim. Fees.

Jim_Hodge

https://www.boards.ie/discussion/comment/119374572#Comment_119374572

Not true. It doesn't cost me a cent more. You're posting rubbish.

L1011

https://www.boards.ie/discussion/comment/119374586#Comment_119374586

You cannot be charged higher fees for using a different banks ATM within Ireland - by law.

UK, US its almost the norm. But it does not happen here - as it can't.

Strumms

https://www.boards.ie/discussion/comment/119374358#Comment_119374358

I know quite a few people of an older demographic and no doubt people too with intellectual disabilities or just not tech savvy who might find that difficult or impossible l

yrreg0850

Whatever about cashless banks, The north side of Limerick has NO bank. Both AIB and BOI closed their branches early 2022.

BOI had reduced hours and gone virtually cashless ( 2 Atm's) before and during the pandemic.

Their reason for closing REDUCED FOOTFALL .

In Limerick there is NO Bank between Shannon Airport and O'Connell St Limerick (TSB)

patnor1011

https://www.boards.ie/discussion/comment/119374610#Comment_119374610

Sure. Study your quarterly statement a bit closer. Every time you use ATM outside bank network you do pay a fee.

https://www.newstalk.com/news/concerns-higher-fees-banks-seek-sell-1000-atms-957253

Also one withdrawal fee and then cash payment is by far cheaper than going around tapping your card every time you need something.

https://aib.ie/content/dam/aib/personal/docs/fees-and-charges/a-guide-to-fees-and-charges-for-personal-accounts.pdf

patnor1011

https://www.boards.ie/discussion/comment/119374613#Comment_119374613

Do you think that if AIB take out their ATM that other banks will move in? I do not think so, other banks may follow the suit. It will be independent operators who will then charge higher fees.

GNWoodd

https://www.boards.ie/discussion/comment/119374619#Comment_119374619

I know them too .

Unfortunately as far as modern Irish society is concerned these people don’t exist .

Jim_Hodge

https://www.boards.ie/discussion/comment/119374698#Comment_119374698

Bull. That was a 'may be" article. In practice there is no additional charge. And you're then talking about what might be in future. At present AIB does not charge more for using Nin-AIB ATMs. You're wrong. Just admit it.

I have my account open in front of me. I only use non-AIB ATMs and guess what? No additional fees for doing so.

https://www.boards.ie/discussion/comment/119373524#Comment_119373524

In which case, may I recommend a vasectomy.

brokenangel

https://www.boards.ie/discussion/comment/119374619#Comment_119374619

https://www.boards.ie/discussion/comment/119374327#Comment_119374327

You don't need to be "tech savvy" to go cashless.

I am sure you can imagine up all sorts of scenario's that might happen which would inconvenient to not have cash

In any of the scenario's you might come up with like the holiday one the tech is already available to provide resolution for this, it just costs to implement so at the moment they don't require because cash is still around.

sprucemoose

https://www.boards.ie/discussion/comment/119373408#Comment_119373408

Rural isolation is killing many more people than motorists with a few pints ever did - this is absolute bullshit misinformation. this argument of 'oh rural people are so lonely and isolated sure why cant they drive to the pub for some social interaction' is so ridiculously dangerous and backward it drives me mental. if things really are that bad.......go and have a non-alcoholic drink ffs. otherwise, join the rest of us in the 21st century in realising going for pints and driving is unacceptable

https://www.boards.ie/discussion/comment/119373502#Comment_119373502

yep pubs in cities are closing the whole time too. maybe its actually to do with the ridiculous prices rather than having to drive to get there?

https://www.boards.ie/discussion/comment/119372947#Comment_119372947

surely an electronic record of your spending is easy to keep track of expenses rather than cash no? like you can literally look at your statements and break down your spending rather than trying to remember what you spent cash on

if you meant limiting impulse card buys, then yeah maybe you have a point. id nearly be the opposite though, if i had amounts of small change left over when i carried cash, id find myself buying needless stuff just to get rid of it. each to their own there though

https://www.boards.ie/discussion/comment/119374327#Comment_119374327

You are on holiday, your wallet gets half inched with your card. you call the bank/go online etc and cancel your card(s) asap. unless the thief is very quick you have minimal loses and with certain cards, even if they are quick you will get some or all of the money back. certain banks will even arrange for emergency cash/cards if needed but that may be less common depending on country and back. some will also allow you to add a new card to apple pay/google wallet to allow you to pay with those methods in such a situation even if you havent received the physical card yet. part of the reason most accounts here will have a virtual card is to allow use of such apps even if you dont have the physical card, although debit cards work differently to in ireland so thats part of it too

You are on holiday, your wallet gets half inched with your cash…......well, youre **** out of luck in terms of getting the money back

cash is always a great fall back............card is arguably a better one though. in the case of a holiday, if its somewhere that doesnt use your normal currency id argue cash is even more awkward since you actually have to go out of your way to get it

Corben Dallas

https://www.boards.ie/discussion/comment/119369168#Comment_119369168

Cash is King... always was always will be. You will be telling us all to invest in Bitcoin next....😂

downtheroad

https://www.boards.ie/discussion/comment/119374927#Comment_119374927

Wouldn't touch Bitcoin. How are your postal orders and travellers cheques working out?