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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Starbucks don't take cash

541 replies

CoastalWave · 02/11/2022 09:48

AIBU to think this is ridiculous?

Took DS yesterday for a treat after school with his birthday money. We only spent £8 but as he handed over his £10 we were told, sorry we don't take cash anymore, card payments only.

Is this just the start of the slippery slope down to a cashless society ?

Really annoyed me!

OP posts:
antelopevalley · 03/11/2022 11:00

So where I used to go to the hairdressers was cash only even though its main clientele was students. The receptionist said they could not get a decent connection, they had tried everything, so now only took cash.

Bettyboop3 · 03/11/2022 11:08

YellowTreeHouse · 02/11/2022 09:59

Good. Cash is thankfully dying out.

Genuine question, why good?

bruffin · 03/11/2022 11:20

Bettyboop3 · 03/11/2022 11:08

Genuine question, why good?

Because cash is a nuisance as explained many times on threads like this.
It costs more to pay into the bank than bank transfers

Insurance means you are only allowed to keep certain amounts in safe

Insurance also requires that a certain number of people are needed to accompany it to the bank which often is not close by

despite what some posters think nowadays it is easier to keep an eye on your budget with mobile aps

if you loose money or it is stolen it is gone and not replaceable

Wads of notes often smell horrible, take ages to check that each one is not a fake etc

antelopevalley · 03/11/2022 11:23

It is not easier to keep an eye on your budget in your mobile app. Purchases do not always show on your bank account instantly. It is easier to stick to budgets for certain amounts like food and bills if the money is in cash in envelopes or different purses. And psychologically cash makes people spend less.
I think people who say it is easy to stick to a budget on an app are not those counting the pennies, but those thinking, I can't afford to go out for a meal tonight.

palygold · 03/11/2022 11:23

Q2C4 · 03/11/2022 10:59

Am I alone in finding the posts supporting cash payments whilst accusing Starbucks of being a tax dodger very ironic?!

Surely you're not trying to say that people who use cash are tax dodgers?

That would be a silly viewpoint as well as incorrect. Apologies if I've read your post wrong.

JudithHarper · 03/11/2022 11:24

Wads of notes often smell horrible, take ages to check that each one is not a fake etc

I just cannot believe that people are willing to give up their freedom because money 'smells horrible'.

palygold · 03/11/2022 11:26

And yet we still accept cash in our family business @bruffin Though the majority is card payment.

antelopevalley · 03/11/2022 11:33

I do not know anyone who carries wads of notes around.
I find in places catering for older or poorer people most people pay cash. The trendier the place is, the fewer people seem to use cash.

Kazzyhoward · 03/11/2022 11:39

It's sometimes easier for dementia sufferers not to deal in cash. My MIL is a case in point. She was terrible with cash. She'd constantly get a bus to go to town to withdraw cash from her building society (sometimes daily as she forgot she went the day before). She also had several different accounts, one in which her state pension was paid, another in which her occupational pension, then two accounts out of which came direct debits. So she also kept going to make transfers between accounts. She hadn't a clue what she was doing, but it was a small branch, and the staff knew her, so they'd do the switching for her and just get her to sign the transfer slips!

Then she'd hide it all over the house because she was paranoid about being robbed. Next day, she'd open her purse to see nothing in it, and would trot off on the bus again. We looked at her passbook and she was withdrawing hundreds every week - yet she still had nothing in her purse. She was convinced people were coming into her house and stealing it! In reality, it was all over her house, in the fridge, in the bottom of cereal packets, under her bed, in her bed, tucked down the back of the sofa, in the microwave, in pockets of clothes in her wardrobe, etc. We had a real good look around one day and found several thousand pounds in total, which we took back and banked again!

It was all such a mess and MIL hadn't a clue and was getting constantly stressed. We closed all the accounts and opened her an account with the Halifax - a simple current account, all pensions paid in, all direct debits to come out. Took her about a year to "get it", and she continued getting on the bus to go to her other building society, where they kept telling her she'd closed all her accounts - apparently she sometimes got aggressive and accused them of stealing her money, but they were very understanding and phoned us a few times to tell us she'd been in again! After a year, she'd basically forgotten about the banking fiasco, and her Halifax account needed no attention as the money in was more than enough to cover her direct debits, so she could happily ignore it.

At first we'd take her to the cash machine to withdraw a bit of cash to keep her happy so she could pay her papers, buy a few groceries from the local shop, etc., but over time, we got her used to using her contactless debit card, and now she's in the habit if just swiping it at the shop. She literally can't remember any other way. It's so much easier, and she's not constantly roaming about and getting stressed trying to deal with cash! Now she just doesn't have to think about it at all.

So I don't really understand why so many people think dementia sufferers can't deal with a card - it's a hell of a lot easier for them than faffing around with getting cash out of the banks, potentially losing it, thinking they're being robbed when they lose it, etc.

bruffin · 03/11/2022 11:53

antelopevalley · 03/11/2022 11:23

It is not easier to keep an eye on your budget in your mobile app. Purchases do not always show on your bank account instantly. It is easier to stick to budgets for certain amounts like food and bills if the money is in cash in envelopes or different purses. And psychologically cash makes people spend less.
I think people who say it is easy to stick to a budget on an app are not those counting the pennies, but those thinking, I can't afford to go out for a meal tonight.

It shows up immediately when i use a debit card. My phone notifies me the moneys been spent while i am still at the till!

bruffin · 03/11/2022 11:56

antelopevalley · 03/11/2022 11:23

It is not easier to keep an eye on your budget in your mobile app. Purchases do not always show on your bank account instantly. It is easier to stick to budgets for certain amounts like food and bills if the money is in cash in envelopes or different purses. And psychologically cash makes people spend less.
I think people who say it is easy to stick to a budget on an app are not those counting the pennies, but those thinking, I can't afford to go out for a meal tonight.

what if you lose that envelopes?

antelopevalley · 03/11/2022 12:00

Kazzyhoward · 03/11/2022 11:39

It's sometimes easier for dementia sufferers not to deal in cash. My MIL is a case in point. She was terrible with cash. She'd constantly get a bus to go to town to withdraw cash from her building society (sometimes daily as she forgot she went the day before). She also had several different accounts, one in which her state pension was paid, another in which her occupational pension, then two accounts out of which came direct debits. So she also kept going to make transfers between accounts. She hadn't a clue what she was doing, but it was a small branch, and the staff knew her, so they'd do the switching for her and just get her to sign the transfer slips!

Then she'd hide it all over the house because she was paranoid about being robbed. Next day, she'd open her purse to see nothing in it, and would trot off on the bus again. We looked at her passbook and she was withdrawing hundreds every week - yet she still had nothing in her purse. She was convinced people were coming into her house and stealing it! In reality, it was all over her house, in the fridge, in the bottom of cereal packets, under her bed, in her bed, tucked down the back of the sofa, in the microwave, in pockets of clothes in her wardrobe, etc. We had a real good look around one day and found several thousand pounds in total, which we took back and banked again!

It was all such a mess and MIL hadn't a clue and was getting constantly stressed. We closed all the accounts and opened her an account with the Halifax - a simple current account, all pensions paid in, all direct debits to come out. Took her about a year to "get it", and she continued getting on the bus to go to her other building society, where they kept telling her she'd closed all her accounts - apparently she sometimes got aggressive and accused them of stealing her money, but they were very understanding and phoned us a few times to tell us she'd been in again! After a year, she'd basically forgotten about the banking fiasco, and her Halifax account needed no attention as the money in was more than enough to cover her direct debits, so she could happily ignore it.

At first we'd take her to the cash machine to withdraw a bit of cash to keep her happy so she could pay her papers, buy a few groceries from the local shop, etc., but over time, we got her used to using her contactless debit card, and now she's in the habit if just swiping it at the shop. She literally can't remember any other way. It's so much easier, and she's not constantly roaming about and getting stressed trying to deal with cash! Now she just doesn't have to think about it at all.

So I don't really understand why so many people think dementia sufferers can't deal with a card - it's a hell of a lot easier for them than faffing around with getting cash out of the banks, potentially losing it, thinking they're being robbed when they lose it, etc.

Some are maybe fine with this. My gran would get in a real panic if anyone even suggested using a card. She had early dementia. She could not cope with any change. She could not have got money out of a cash machine as she could not remember a pin number anyway. But my mu gave her some cash every week and she could get milk, bread, a newspaper. It kept her going out and independent. Sometimes she would lose a few pounds, but keeping her active and doing her usual things was more important.

The big issue though is that carers are not allowed to use cash usually. Agencies say they need cash.

bigfamilygrowingupfast · 03/11/2022 12:01

There's a place near me (an independent, not a chain) that doesn't accept cash. I can see from their point of view why they do it (problems with staff stealing out of the tills etc) but it's stopped me and most people I know going there!

antelopevalley · 03/11/2022 12:02

bruffin · 03/11/2022 11:56

what if you lose that envelopes?

I am in my fifties. The only cash I have ever lost is £20 when out clubbing when young and a bit drunk. I have lost a card twice.

SocksAndTheCity · 03/11/2022 12:20

Q2C4 · 03/11/2022 10:59

Am I alone in finding the posts supporting cash payments whilst accusing Starbucks of being a tax dodger very ironic?!

Possibly. The ability to think critically isn't a requirement to post on the thread, after all.

Q2C4 · 03/11/2022 12:24

@palygold the black economy is entirely cash driven. Of course it may not be the person using the cash that committed the tax evasion, but they may still unwittingly be handling or laundering the proceeds from a criminal offence. Tax evasion costs the tax payer £32bn per year.

Kazzyhoward · 03/11/2022 12:28

bruffin · 03/11/2022 11:53

It shows up immediately when i use a debit card. My phone notifies me the moneys been spent while i am still at the till!

Yes, we "control" my dementia suffering MIL's card balance/spending by having an app on OH's mobile linked to her bank account, so we get "pings" when she uses her card, so we can monitor not only what she's spending to make sure she's not going off piste, but also so we know where she is and where she's been! It's made things a lot easier all round. Yes, it took her a long time to "forget" about cash and remember how to use the card, but it's been worth the hassle to "re-train" her.

TimeAtTheBar · 03/11/2022 12:30

bigfamilygrowingupfast · 03/11/2022 12:01

There's a place near me (an independent, not a chain) that doesn't accept cash. I can see from their point of view why they do it (problems with staff stealing out of the tills etc) but it's stopped me and most people I know going there!

It’s more likely the cost, rather than theft.

Cost of wages to cash up at the end of the day (much faster to just click a button than count coins). The cost of banking services. Further wages/time to take the cash to the bank.

Independents have such tight margins that all of this makes a huge difference in running costs.

I’m not a fan of cashless but those are the reasons why it’s happening.

palygold · 03/11/2022 12:31

Q2C4 · 03/11/2022 12:24

@palygold the black economy is entirely cash driven. Of course it may not be the person using the cash that committed the tax evasion, but they may still unwittingly be handling or laundering the proceeds from a criminal offence. Tax evasion costs the tax payer £32bn per year.

Well clearly. But I suggest you read the thread properly because that's (inc criminals and money laundering) not comparable or relevant to what we're discussing here.

We're talking about the inaccessibility to vulnerable groups; those on the lowest incomes, the abused, the disabled, the elderly and immigrants, etc.

antelopevalley · 03/11/2022 12:33

Cryptocurrency is the big platform for criminals and major tax avoiders. But no ien seems to care.

antelopevalley · 03/11/2022 12:34

TimeAtTheBar · 03/11/2022 12:30

It’s more likely the cost, rather than theft.

Cost of wages to cash up at the end of the day (much faster to just click a button than count coins). The cost of banking services. Further wages/time to take the cash to the bank.

Independents have such tight margins that all of this makes a huge difference in running costs.

I’m not a fan of cashless but those are the reasons why it’s happening.

In most independents, this happens by staff during opening hours. I used to have to take the cash to the bank at lunchtime.

Quittingthyme · 03/11/2022 12:38

@YellowTreeHouse why is it good that cash is dying out?

palygold · 03/11/2022 12:41

In our business only the owners who bank the cash, it's never been a task given to other staff, not even the manager (though I realise other businesses will differ). It isn't as much as it used to be so doesn't need to be done daily.

antelopevalley · 03/11/2022 12:43

If you have a manager you are probably not that small. Small places usually have owner/manager plus some staff. In these places the majority of cash handling work is done during opening hours. Even doing the books happens in quiet times.

TimeForTeaAndG · 03/11/2022 13:24

thisplaceisweird · 02/11/2022 10:33

So do you have wads of cash under your mattress @TimeForTeaAndG, the horse has already bolted I think. I doubt anyone here could live for more than a week on the cash they have available to them right now.

No, but I was answering your question about why it's a bad thing to be fully cashless not whether I have taken steps to mitigate against those reasons.