Do you mostly use cash or card?

r93kaey5p2izun · 26-07-2018 12:01PM

A mixture of the two. I hate tapping because it's so slow to show up on your account. And my phone is too old to be compatible with the apps too. So card for €20+ and cash for the rest.

BeerFarts · 26-07-2018 12:02PM

Mostly cash

Card mostly. If I'm forced to use cash then I usually end up spending the extra change on some crap I don't need. I like the card because I can keep my spending under control.

Birneybau · 26-07-2018 01:10PM

Take a chunk of cash out every week and use that

Bracken81 · 26-07-2018 01:19PM

Equal mixture of cash / card / phone pay

Cash is king and always will be
Living a cashless life is a very dangerous thing, but hey there's no accounting for stupidity

Whats that you want a mortgage?
Please explain this €3 charge in the auld Jellies shop everyday, €5 on coffees, oh and i see you like gambling too

:)

seamus · 26-07-2018 01:24PM

Bracken81 wrote: »

Whats that you want a mortgage?
Please explain this €3 charge in the auld Jellies shop everyday, €5 on coffees, oh and i see you like gambling too :)

Frequent large cash withdrawals would raise more red flags on the underwriter's system than €3 here and there for coffee and sweets.

Contrary to popular belief, banks do move with the times.

Gambling's for mugs anyway, I wouldn't give a mortgage to a gambler.

Bracken81 · 26-07-2018 01:29PM

Equal mixture of cash / card / phone pay

seamus wrote: »

Frequent large cash withdrawals would raise more red flags on the underwriter's system than €3 here and there for coffee and sweets.

Contrary to popular belief, banks do move with the times.

Gambling's for mugs anyway, I wouldn't give a mortgage to a gambler.

So an average woman getting paid of a friday and going straight to Zara or similar using her card is seen as ok? For mortgage approval purposes

Whereas withdrawing €100/€50 is flagged?

Surely having everything logged and identified on your card is much mire dangerous

Wheety · 26-07-2018 01:34PM

Bracken81 wrote: »

Cash is king and always will be
Living a cashless life is a very dangerous thing, but hey there's no accounting for stupidity

Whats that you want a mortgage?
Please explain this €3 charge in the auld Jellies shop everyday, €5 on coffees, oh and i see you like gambling too :)

:rolleyes:

I already have my mortgage :cool:

mahamageehad · 26-07-2018 01:35PM

jester77 wrote: »

I use card/android pay 90% of the time, hate dealing with cash.

Unfortunately Germany is still in the dark ages when it comes to modern banking, a lot of places still only accept cash. But you quickly get to know the places to avoid because of this.

Yup roughly the same here. In Ireland i usually only carry card, and if I’m most places for holiday/work I only carry card, especially if I have to convert money. Been in the UK and the US this year and took out no money either time. However, in Germany I’m forced to carry cash. And, worse than that, I’m forced to go to the “correct” bank link or I’ll be charged about a fiver for the pleasure of withdrawing my own 20 quid. It’s shocking how far behind they are with banking here.

Cienciano · 26-07-2018 01:39PM

Mostly cash

Almost always card. Before google pay and tapping cards was 99% cash. Now I only carry a few euro for small things.

Graces7 · 26-07-2018 01:40PM

Equal mixture of cash / card / phone pay

On my first shop-stop I pay by card and get cashback. Then cash all the way.

Dr. Kenneth Noisewater · 26-07-2018 01:44PM

Only time I use cash is in the canteen at work which doesn't have a card machine, or in the pub. I'd never use it if I could get away with it.

I find it amazing how quickly there seems to be almost snobbery directed towards cash usage creeping in. Haven't seen much of it in Ireland just yet, but was in New Zealand at Christmas (EFTPOS, as they call it, is everywhere) and went to pay for a round of beers with cash at this hipsterish pub in Wellington and the barman informed me that using cash was 'gross'. Twat.

PTH2009 · 26-07-2018 01:47PM

Equal mixture of cash / card / phone pay

I'd use cards/paypal for online shopping for obv reasons but go old fashioned for other things and take money out

I don't get people paying on cards for drinks on nights out

Generally hate paying for anything in any form

seamus · 26-07-2018 01:52PM

Bracken81 wrote: »

So an average woman getting paid of a friday and going straight to Zara or similar using her card is seen as ok? For mortgage approval purposes

Whereas withdrawing €100/€50 is flagged?

Surely having everything logged and identified on your card is much mire dangerous

Depends on your definition "dangerous".

You're talking about mortgage approval here, where you voluntarily open your financials dealings to scrutiny.

A €100 cash withdrawal raises more question than €100 spent in Zara.

"This woman buys a lot of clothes, but she clearly saves enough on a regular basis, so she must know how to manage her budget".

"This woman has enough in savings, but she withdraws a lot of cash. What's she spending that on?".

oneilla · 26-07-2018 02:12PM

swingking wrote: »

Does anyone feel awkward using a card for a 2 euro transaction ?

Shops where you'd be spending only €2 tend to have minimum transactions

draiochtanois · 26-07-2018 02:14PM

Mostly cash

This post has been deleted.

murpho999 · 26-07-2018 02:21PM

Mostly cash

Card nearly always. So much safer than cash.

I wish PTSB would hurry up and get Apple Pay though as it's super convenient.

murpho999 · 26-07-2018 02:23PM

Mostly cash

oneilla wrote: »

Shops where you'd be spending only €2 tend to have minimum transactions

That will have to change though as it becomes more popular.

Also, I hate when places want to tap for you. Show the customer the machine and let the customer tap. Card should not leave customers hand.

So many places get this wrong with card machines hidden behind the counter.

Bracken81 · 26-07-2018 03:04PM

Equal mixture of cash / card / phone pay

seamus wrote: »

Depends on your definition "dangerous".

You're talking about mortgage approval here, where you voluntarily open your financials dealings to scrutiny.

A €100 cash withdrawal raises more question than €100 spent in Zara.

"This woman buys a lot of clothes, but she clearly saves enough on a regular basis, so she must know how to manage her budget".

"This woman has enough in savings, but she withdraws a lot of cash. What's she spending that on?".

Very Interesting

all well and good until your credits (Demolition Man) get turned off for loitering

Dr. Kenneth Noisewater · 26-07-2018 03:11PM

draiochtanois wrote: »

This post has been deleted.

Of course cash has germs on it, so did the bar counter, so did his big stupid beard. So does your keyboard. In the hospitality industry, you don't talk down to paying customers, end of.

Deise Vu · 26-07-2018 03:57PM

Equal mixture of cash / card / phone pay

All my bills are direct debit. Holidays , flights, insurance etc are on-line so most of my payments are electronic but I take a fixed mount every week from an ATM for walking around money. That way I have an idea what I am spending every week and stick to it. If I see something I want and don't have the cash I use my card.

Sweden is almost entirely cashless and it is no Nirvana, people are worried about the power of banks, bank failure and even just cyber attack / technical breakdown (as we have seen with Ulster Bank on a regular basis here and with Visa recently).

https://business.financialpost.com/news/economy/no-cash-signs-everywhere-has-sweden-worried-its-gone-too-far

oneilla · 26-07-2018 04:01PM

murpho999 wrote: »

That will have to change though as it becomes more popular.

Also, I hate when places want to tap for you. Show the customer the machine and let the customer tap. Card should not leave customers hand.

So many places get this wrong with card machines hidden behind the counter.

Yeah this happened me recently when I ordered something from a fast food joint. Wasn't handed a receipt so didn't find out how much it cost until a few days later when reviewing my account. Like an eejit I produced my card before being told how much it would be.

Partly my fault but I expected a receipt.

Steve F · 26-07-2018 04:18PM

Bitcoin
Pah to you and yer cards and cash

ZiabR · 26-07-2018 04:22PM

Mostly cash

Card + Android Pay for me. Never carry cash.

mighty magpie · 26-07-2018 04:22PM

draiochtanois wrote: »

This post has been deleted.

Minimum spend is contrary to the contract terms.

Mastercard and Visa – the two main card types used in Ireland – have sets of rules for retailers who accept their cards. Both of their rules state that setting a minimum transaction amount is not allowed in the EU.

You can even report it to Mastercard online: https://www.mastercard.us/en-us/consumers/get-support/report-problem-shopping.html[/quote]

Is the minimum spend removal a new thing? so many grocery stores around home had this but I think it's more relaxed now. Was annoying at the time.

weldoninhio · 26-07-2018 04:23PM

Wheety wrote: »

Change bank or get a Revolut card.

Cheers for that. I’m after signing up with Revolut. Is it as good as it seems??

retalivity · 26-07-2018 04:23PM

Equal mixture of cash / card / phone pay

Cash wherever i can.
Beware the subtle enforcement from banks/governments to go cashless

draiochtanois · 26-07-2018 04:24PM

Mostly cash

This post has been deleted.

MarkY91 · 26-07-2018 04:26PM

I recently started using card alot but it would mostly still be cash. I often use the two and pay feature. Otherwise, I'll just pay cash as toying my pin in is not as convenient as two and pay.

murpho999 · 26-07-2018 04:26PM

Mostly cash

retalivity wrote: »

Cash wherever i can.
Beware the subtle enforcement from banks/governments to go cashless

What is the problem? There is no advantage to cash over card/phone.

suicide_circus · 26-07-2018 04:26PM

Wheety wrote: »

Change bank or get a Revolut card.

yeah what's the craic with them

Do you mostly use cash or card?

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