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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think it’s wrong some big companies won’t accept cash?

172 replies

YouDidThisPeterRab · 23/05/2025 21:42

Just seems a bit shit.

I went to the cinema. No cash accepted. Card only.

Annoying. My preference is cash. But, some people use it to budget. Some people have it as their funds available to spend because they’ve been gifted some cash.

Seems really odd not to accept cash or advertise and make it clear on things like ticket confirmations that you don’t accept any cash

OP posts:
BeaLola · 24/05/2025 11:21

I think for some of the younger generation being used to cash would help them in budgeting /balancing money and not getting into debt

XDownwiththissortofthingX · 24/05/2025 11:34

YellowOrangePink · 24/05/2025 07:39

The amount of control that can be exerted on us when all our money becomes digital.

What worries me mostly how few people are worried. In 2008 it became clear banks could do whatever they wanted and that they weren't subject to the same rules and regulations small plebs like us are. They misbehaved, went bust, and laughed about it as we were forced to bail them out, and pay for it with austerity measures, WE paid, not them, for their mistakes. Now look at governments across the world and throughout history and realise they're not always so benign and very rarely and for very short times, are our interests really central to their actions. A cashless society gives these institutions all the control, complete surveillance over what we do through how we spend our money. Leave aside the difficulties of hacks or identity thefts, the current model that is being used in Brazil has hidden backdoor features that allow your balance to be altered or frozen. Combine that level of surveillance with the inevitability of a social credit system that is already in place in China and you'll really miss cash one day! When one dissenting word about the government can lead to lost or limited access to your digital wallet, or curfews are put in place to quell social unrest, or there's a new virus out there and we're not allowed to travel more than a 3 mile radius of our homes. It sounds crazy. But we will see what happens.

Paranoid, conspiracy nonsense.

The entire distribution of cash is controlled electronically as it is.

Where are you getting your cash from? A money tree? No, you withdraw it via an ATM controlled and monitored by computers.

All this "they could close your accounts" stuff and so on is already possible. Unless you are literally sitting with a pile of cash stuffed under a mattress, it's immaterial.

XDownwiththissortofthingX · 24/05/2025 11:37

NattyTurtle59 · 24/05/2025 08:22

And how do you think those with no family/friends to help manage to cope?

Incidentally I have a friend, who has always been very computer/new technology savvy. After being caught up in a natural disaster he now always keeps cash in the house as it was all that could be used at the time.

Edited

And how do you think those with no family/friends to help manage to cope?

They struggle in the main. Some of the people I work with do not have the capacity to manage their own financial affairs, and in those cases where there is no relative or trusted party doing the caring, the LA has financial guardianship.

If you lack capacity to that degree, then how you manage, access, and spend your money is immaterial, because it won't be you doing it.

Shade17 · 24/05/2025 12:21

humptydumptyfelloff · 23/05/2025 21:44

Yep I agree op

i always carry plenty of cash in me because the number of times card machines stop working or software goes down is unreal and these companies really should be accepting legal tender

You don’t even know what “legal tender” means. It has nothing to do with buying goods.

HappiestSleeping · 24/05/2025 13:06

Lincslady53 · 24/05/2025 10:16

We used to bank cash into our personal account, which had no charges, then transfer it to our business account electronically which worked out a lot cheaper. Took a little bit more in book keeping, but saved us a lot of money in bank charges over the years.

That's what I do, but it is a pain.

user8636283901 · 24/05/2025 13:08

Keep up.

I can't remember the last time i handled cash. Maybe 2015??

HappiestSleeping · 24/05/2025 13:09

user8636283901 · 24/05/2025 13:08

Keep up.

I can't remember the last time i handled cash. Maybe 2015??

And cheques. Remember those? 😂

HomericEpithet · 24/05/2025 13:26

XDownwiththissortofthingX · 24/05/2025 11:37

And how do you think those with no family/friends to help manage to cope?

They struggle in the main. Some of the people I work with do not have the capacity to manage their own financial affairs, and in those cases where there is no relative or trusted party doing the caring, the LA has financial guardianship.

If you lack capacity to that degree, then how you manage, access, and spend your money is immaterial, because it won't be you doing it.

I work with such a young man. The LA issues his money and his support worker collects his cash from the LA for him on a monthly basis. The LA decline to provide him with a bank card, so we cannot take him go anywhere that is card-only.

Unfortunately, this means he cannot go swimming at our nearest swimming pool, not even during the special disability swimming session, because the leisure centre is card-only. Even though he adores swimming.

As a result, he has to be accompanied to go to a pool across the other side of town, using multiple buses. The journey is two hours minimum and that uses up half his care package for the day. He does not go swimming anywhere as much as he would like and can afford because of this.

So there you go, card-only businesses exclude the disabled.

countrygirl99 · 24/05/2025 13:32

HomericEpithet · 24/05/2025 13:26

I work with such a young man. The LA issues his money and his support worker collects his cash from the LA for him on a monthly basis. The LA decline to provide him with a bank card, so we cannot take him go anywhere that is card-only.

Unfortunately, this means he cannot go swimming at our nearest swimming pool, not even during the special disability swimming session, because the leisure centre is card-only. Even though he adores swimming.

As a result, he has to be accompanied to go to a pool across the other side of town, using multiple buses. The journey is two hours minimum and that uses up half his care package for the day. He does not go swimming anywhere as much as he would like and can afford because of this.

So there you go, card-only businesses exclude the disabled.

Rhat's on the LA. They could provide a carers card.

bruffin · 24/05/2025 13:33

Cash is a nuisance, it costs a lot to process and bank . I used to work for a dealership and the only people who tried to pay in cash were probably tax dodgers or money laundering.
My friend stored 10s of 1000s in her house,The house got burgled and the money got stolen, that money was lost for good.

bruffin · 24/05/2025 13:33

HomericEpithet · 24/05/2025 13:26

I work with such a young man. The LA issues his money and his support worker collects his cash from the LA for him on a monthly basis. The LA decline to provide him with a bank card, so we cannot take him go anywhere that is card-only.

Unfortunately, this means he cannot go swimming at our nearest swimming pool, not even during the special disability swimming session, because the leisure centre is card-only. Even though he adores swimming.

As a result, he has to be accompanied to go to a pool across the other side of town, using multiple buses. The journey is two hours minimum and that uses up half his care package for the day. He does not go swimming anywhere as much as he would like and can afford because of this.

So there you go, card-only businesses exclude the disabled.

Why dont they buy him a membership?

HomericEpithet · 24/05/2025 13:43

bruffin · 24/05/2025 13:33

Why dont they buy him a membership?

How? They don't accept cash!

OnlyDespairRemains · 24/05/2025 13:44

It should be obligatory for a business dealing directly with the public to offer both cash and card.

Personally I hardly ever use cash, simply because it's far less hassle to use a card and I have no problems with budgeting or impulse control, but I can appreciate that others may prefer it and so it should always be an option.

In the same way though, I should be able to use a card wherever I want to, not least to make sure that my money goes properly through the books.

bruffin · 24/05/2025 13:49

OnlyDespairRemains · 24/05/2025 13:44

It should be obligatory for a business dealing directly with the public to offer both cash and card.

Personally I hardly ever use cash, simply because it's far less hassle to use a card and I have no problems with budgeting or impulse control, but I can appreciate that others may prefer it and so it should always be an option.

In the same way though, I should be able to use a card wherever I want to, not least to make sure that my money goes properly through the books.

Why should they when it costs a lot more money to pay cash into banks and insurance wont cover more than a limited amount in the safe.

Its easy to get accounts like monzo, which dont let you overspend and in some way much easier to budget as you can see exactly how much money is in there.

Yupal · 24/05/2025 13:49

My family’s small business doesn’t accept cash anymore, lack of close by open banks, the time it takes to cash up and take it etc and the cost and safety of all of that.

OnlyDespairRemains · 24/05/2025 13:54

bruffin · 24/05/2025 13:49

Why should they when it costs a lot more money to pay cash into banks and insurance wont cover more than a limited amount in the safe.

Its easy to get accounts like monzo, which dont let you overspend and in some way much easier to budget as you can see exactly how much money is in there.

Edited

Because we're the customers and it should just be one of the many costs of doing business, like business rates, employee costs etc?

Sundaymorningcalla · 24/05/2025 14:10

humptydumptyfelloff · 23/05/2025 21:44

Yep I agree op

i always carry plenty of cash in me because the number of times card machines stop working or software goes down is unreal and these companies really should be accepting legal tender

In my 30 years on this planet this has occured only once, there was a back up system in place for those unable to pay with cash.

They are accepting legal tender, in the form of card payments.

You people are hell bent on us living in the dark ages, take your tin hats off for a day, the government don't care how you spend your money as long as it's not for ill gotten means ;)

ilovesooty · 24/05/2025 14:13

OnlyDespairRemains · 24/05/2025 13:44

It should be obligatory for a business dealing directly with the public to offer both cash and card.

Personally I hardly ever use cash, simply because it's far less hassle to use a card and I have no problems with budgeting or impulse control, but I can appreciate that others may prefer it and so it should always be an option.

In the same way though, I should be able to use a card wherever I want to, not least to make sure that my money goes properly through the books.

Why? If someone enquires about my services and won't pay by bank transfer I'm perfectly within my rights not to accept them as a client.

OnlyDespairRemains · 24/05/2025 14:14

ilovesooty · 24/05/2025 14:13

Why? If someone enquires about my services and won't pay by bank transfer I'm perfectly within my rights not to accept them as a client.

Yes you are at the moment, which is why I think it should change so that you have to accept cash.

ilovesooty · 24/05/2025 14:15

OnlyDespairRemains · 24/05/2025 14:14

Yes you are at the moment, which is why I think it should change so that you have to accept cash.

I very much doubt that's going to happen thankfully.

OnlyDespairRemains · 24/05/2025 14:16

ilovesooty · 24/05/2025 14:15

I very much doubt that's going to happen thankfully.

I agree, unfortunately.

GrouachMacbeth · 24/05/2025 14:18

A great idea for a cybercriminal.or member of International League of Villains to contemplate....

Noseylittlemoo · 24/05/2025 14:23

I feel like even the bank doesn't want you to use cash anymore! I use card / direct debit/bank transfer for most things but we have a local corner shop and bakery which don't take card payments less than £3 so we keep a tin of cash in the kitchen. We also use it for if we have a takeaway delivered and want to tip the delivery driver. After a while when there is a lot of silver in the tin I've taken it to the bank to try to change for £1 coins ( I'm talking £20 or £30 not hundreds!) . Every time I go they never have pound coins or can only give me 10 . I don't know where to get pound coins if even the bank don't have them!!

Noseylittlemoo · 24/05/2025 14:29

I also work in a shop. We do take cash. But majority of customers use card /phone. We had an IT issue about a year ago when the internet connection failed in the whole area. We could only take payment by card in the traditional manner (chip and pin) or cash. It was really chaotic and lasted for about a day.
It was really stressful as quite a few customers kicked off even though it was something completely out of our control !!

JenniferBooth · 24/05/2025 14:34

Shawlshare · 24/05/2025 09:34

And I have never had any issues whatsoever with my banks electronic payments system failing. I wonder how many people have actually been affected?

Gonna copy and paste your post over the third time there is a problem with Child Benefit payments.

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