People who don’t carry their bank cards with them

If you store your loyalty cards into your apple wallet it’s just a case of double click choose store card, then payment card. Takes seconds. Much daster than hunting in a wallet.

You’ve clearly never used Apple Pay. You do not have to “log into an app” 🤣

In fact, the moment you hover your phone next to the contactless reader your card automatically and instantly pops up on your screen for you. Otherwise a simple double tap of a button brings the card up in readiness while the last few items are being scanned. You can even Face ID or Touch ID in advance as well so it’s already authorised to pay the second you pop your phone to the reader (once the cashier has caught up with you 🙃).

No phone signal required. No “logging in”. Nothing.

Its the same speed as card contactless, and faster than chip & PIN or cash.

Not the point that I was responding to. Your comment of “I would’ve expected manufacturers to have improved batteries” was not justified, they have. Irrelevant of whether you want to carry back cards, train tickets or the like.

It costs businesses to bank cash as well

There's also a human cost, as anyone who has stared down the wrong end of a shotgun knows only too well.

It's definitely different, logging into an app takes longer than finding a card in your purse.

Sorry meant to quote you.

I think the problem is these apps log you out if you don't use them regularly. And then you can't always have the same password across all apps as they have differing password rules and also they don't let you change to the same password if you've used it before so you are left with lots of password options. It's exhausting.

Signs up on our cinema card only. Places dont want cash now.. I have cards on my phone but they in my handbag too.

Surely it’s no different to being stuck behind someone who acts like it’s a surprise they have to pay when they get to till and then goes digging for it their purse at bottom of their bag and then digging for the right store card amongst a wallet of a dozen cards?

or someone who struggles with arithmetic but wants to hand over exact change/use their change up so counts it slowly into the shop assistants hand?

those people will always exist. It’s nothing to do with phones.

I think the problem is these apps log you out if you don't use them regularly. And then you can't always have the same password across all apps as they have differing password rules and also they don't let you change to the same password if you've used it before so you are left with lots of password options. It's exhausting.

Not always, but quite often.

Carrying a bank card when tech fails is pointless.

It’s not. Chip and pin always works when contactless doesn’t.

If only I could easily put my M&S credit card on my phone to use in M&S, I don't want to use another card because I get about £200 a year cashback on M&S card. Unfortunately the bank they use is not as user friendly as the store

I hate the thought of having everything on my phone. Even store cards I carry physically on me so that I just tap them at the checkout. I'm fed up being caught behind people with everything on their phones holding up the queue trying to pay and use their store card, struggling to find them or they just don't work.

EVERYONE of us needs to carry cash before they take it away from us. Cash can't be digitally wiped out either and may keep the remaining banks and post offices open. Also keeps cash viable for businesses that are cash only. Would be a lot better if people had cash then they wouldn't need to shout and scream cos they can't pay.

Don't get me started on cashless businesses.
Carrying a bank card when tech fails is pointless.

You can access all your receipts in the app too if you do close it. So handy for returns!

@Auburngal Are you going to acknowledge the question that others, like myself have asked or just ignore?!

Genuinely curious as to why you think it is acceptable to say people are idiots because they do things differently than you - it is not any less nasty, than the customers shouting at staff (which obviously isn’t ok).

Yep. Me too! 🤣

I think it does tell you to leave it open in case you're challenged. I haven't been yet though.

Haha I love it! Especially when there is a HUGE queue or you have a small child with you. It’s so convenient! But I do usually leave the app open with the very visible receipt and semi wave my phone about while exiting 😂

I always feel like a shoplifter in M&S when I use that service, @firstfamhol! 🤣

“But in the scenario here, people with a bank card could go and get cash if chip and pin wasn’t working either. Those with only a phone can’t do that.”

Not strictly true. You can access cash from an ATM with your phone - lots of banks offer this via app or text.

I always use my watch / phone. You don’t even need your phone with you to pay via your watch.

In many shops like M&S, Sainsburys and now Tesco, you can scan and pay on the app via card details directly or with “wallet” using Apple Pay etc. You don’t even have to go to the checkouts at M&S you just walk out. Using your Apple Pay wallet is much more secure than using a physical card with chip and pin.

It costs businesses to bank cash as well and card charges are tiny (the high end is 6% so that would be 30p on a £5 transaction) so I find it hard to believe they’d make no money on £5 purchase. Especially because the more cash they have the more insurance is.

More likely they aren’t reporting their full profits for the day which is easy to do if cash. So I’m glad this sort of thing is getting stamped out. A more charitable explanation could be they are borrowing from shop float informally for daily expenditure and don’t want it to show in accounts which is totally legal but worrying for their finances.

I’d rather carry a small lightweight bank card than a power bank

Yes, car always has petrol thanks 😊 The point I was trying to make was that if I was out of the house all day and away from a plug socket, my phone battery wouldn’t last, so it couldn’t be relied upon

I always have my card because I always have my phone when I’m out and about .
its a wallet type phone case so has places to put cards