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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:
bruffin · 25/05/2025 00:25

Tomikka · 24/05/2025 23:21

@NattyTurtle59

The part about cash having a cost may often be brought up due to the memes that crop up stating that there are no transaction fees for a cash payment
A business factors in the costs of all forms of transaction, and may choose to take whichever

With regard to businesses being there to serve their customers, they are actually there to make money, which happens via serving customers - they can choose how they serve customers and customers can choose whether or not to use the business

When i worked for a dealership cash was the highest percentage of the bank charges despite being a small percent of the actaul takings , it was 80p for every £100 , think they charge £1.50 now. Bank transfers are free.
Insurance company would only allow 5k in the safe overnight and if it was over something like £9k we needed 2 people to accompany the cash to the bank, then 3 over a certain amount, cant remember how it was.

HomericEpithet · 25/05/2025 00:44

ClareBlue · 24/05/2025 22:40

Or he could put his cash in a basic bank account opened for him and use the card.

He can't. He does not have the cognitive capacity to manage his financial affairs, which is why the LA is his financial appointee. If they decline/cannot be bothered to open a basic bank account for him, then he doesn't get one.

If you're suggesting a carer fills in the forms and opens an account in his name, anyone doing so would rightfully be sacked. That has to be gross misconduct.

OonaStubbs · 25/05/2025 01:05

People have been using physical currency for thousands of years. I don't think that will change any time soon.

Meadowfinch · 25/05/2025 03:41

The correct way to deal with this is to shrug and say "you obviously don't want my custom enough" and walk out.

Eventually they'll get the message.

NattyTurtle59 · 25/05/2025 04:11

Tomikka · 24/05/2025 23:21

@NattyTurtle59

The part about cash having a cost may often be brought up due to the memes that crop up stating that there are no transaction fees for a cash payment
A business factors in the costs of all forms of transaction, and may choose to take whichever

With regard to businesses being there to serve their customers, they are actually there to make money, which happens via serving customers - they can choose how they serve customers and customers can choose whether or not to use the business

How on earth can you make money by not giving your customers what they want? If all the potential customers choose to not use the business there is no business.

The managers at my last full-time job would have choked to read your ridiculous statement, great customer service was drilled into us (as it should be). They wouldn't have dreamt of a ban on cash.

Incidentally, I rarely use cash myself but will defend the right of others to do so if they wish. I don't live in the UK and have never come across a business which won't accept it.

mutinyonthetwix · 25/05/2025 06:08

Bricks and mortar retail hasn't been having a grand old time lately. Mandating that shops must accept cash would be yet another burden on a hard pressed sector and would likely mean fewer shops, particularly independent ones, stay in business.

bruffin · 25/05/2025 08:27

NattyTurtle59 · 25/05/2025 04:11

How on earth can you make money by not giving your customers what they want? If all the potential customers choose to not use the business there is no business.

The managers at my last full-time job would have choked to read your ridiculous statement, great customer service was drilled into us (as it should be). They wouldn't have dreamt of a ban on cash.

Incidentally, I rarely use cash myself but will defend the right of others to do so if they wish. I don't live in the UK and have never come across a business which won't accept it.

Edited

Because i suspect most customers who insist on cash are not that great a customer and not worth the hassle they cause.

scalt · 25/05/2025 08:50

Kuretake · 24/05/2025 10:06

With a cashless society, they’d have been able to stop the public buying Easter eggs and tampons

This makes zero sense. We saw during COVID that it was entirely possible (horrifyingly so) for the government to ban private businesses from doing things. They forced all the pubs to shut for example. Nothing to do with cash or not. If they wanted to stop people buying tampons they'd make the shops stop selling them. Is your thought that they'd block the transactions via the bank? I don't think you've thought it through.

Not necessarily block the transactions, but monitor them, use them as evidence of “illegal purchases”, ie. Easter eggs, and prosecute later. For all we know, there’s a lot of government monitoring that goes on that we don’t know about. I haven’t forgotten those adverts about benefit fraud “we know where you pick up cash in hand work, we’re on to you”.

I also remember when till receipts used to have printed on them that when using a debit card, a certain percentage is taken by the bank, probably higher for a credit card. Did something change? It used to be that plastic cards were “more expensive” for the retailer than cash. Did the reality change, or was it the narrative that changed? Perhaps the Ministry of Truth can tell us.

Tomikka · 25/05/2025 09:12

@NattyTurtle59

I’ll take cash or card, however anyone wants to pay

When spending I’ll generally use card, but most of the time have some cash

“How on earth can you make money by not giving your customers what they want?”

Exactly the same can be asked of cash only businesses and especially with those who print of the anti card memes

Its up to the business concerned, and with the increase of ‘complaints’ about card only businesses they are in business still

HangryLikeTheHulk · 25/05/2025 09:14

scalt · 25/05/2025 08:50

Not necessarily block the transactions, but monitor them, use them as evidence of “illegal purchases”, ie. Easter eggs, and prosecute later. For all we know, there’s a lot of government monitoring that goes on that we don’t know about. I haven’t forgotten those adverts about benefit fraud “we know where you pick up cash in hand work, we’re on to you”.

I also remember when till receipts used to have printed on them that when using a debit card, a certain percentage is taken by the bank, probably higher for a credit card. Did something change? It used to be that plastic cards were “more expensive” for the retailer than cash. Did the reality change, or was it the narrative that changed? Perhaps the Ministry of Truth can tell us.

You can thank the EU for that - they capped interchange fees and banned surcharges for use of cards.

ExtraOnions · 25/05/2025 09:25

scalt · 25/05/2025 08:50

Not necessarily block the transactions, but monitor them, use them as evidence of “illegal purchases”, ie. Easter eggs, and prosecute later. For all we know, there’s a lot of government monitoring that goes on that we don’t know about. I haven’t forgotten those adverts about benefit fraud “we know where you pick up cash in hand work, we’re on to you”.

I also remember when till receipts used to have printed on them that when using a debit card, a certain percentage is taken by the bank, probably higher for a credit card. Did something change? It used to be that plastic cards were “more expensive” for the retailer than cash. Did the reality change, or was it the narrative that changed? Perhaps the Ministry of Truth can tell us.

Make sure you use cash, when you pop out to buy your tinfoil hat… and dodge the Chem-trails …

suki1964 · 25/05/2025 10:09

Living as rural as we do, its cashless

When I moved here 20 years ago , our wee town had a host of banks - nationwide, Santander, Barclays , Bank of Ireland, Ulster bank and I think there was another - cant mind now - we now have just the one - Danske - and they are doing yet another cull so maybe that will go

We have two hole in the walls, although there are ATMS in most local supermarkets

As a low income household, we have to watch what we spend. I dont have a clue how to do a spreadsheet or anything clever like that, but the bank supplies a great app where every penny spent is allocated to a group, so I can see to the penny what I have spent on food, clothing, bills, eating out, hairdresser, car, petrol - its all there - instantly. Minute I make any sort of transaction, even if a payment goes through in the middle of the night , I get a notification - what was spent and where. I have access to that information 24/7/365 so I find it pretty easy to keep track of spending

The only places we use that are cash only are the Chinese Takeaways - there's not one that we have gone to that will take a card. Even chip carts take cards!! And Ive heard a nail bar - the ones where you just sit and wait your turn - is cash only

Mum is 86 and likes to have cash on her - why? No idea, she doesn't use it. She taps when she shops like the rest of us, she can do bank transfers easily on her phone and she's au fait with online banking ( she prefers that to apps ) . I think she just takes cash out at the beginning of the month because that's what she's always done and maybe pays the hairdresser cash ( mine takes transfers )

We were in Krakow a while back and they are pretty much cashless , even the loos took card payment

OonaStubbs · 25/05/2025 11:08

If you let cash go away, you trust the government implicitly. And not just the current government, any future government.

HangryLikeTheHulk · 25/05/2025 11:13

OonaStubbs · 25/05/2025 11:08

If you let cash go away, you trust the government implicitly. And not just the current government, any future government.

The government literally manufactures & distributes cash, and controls its value.

Sesma · 25/05/2025 11:22

I alway have cash on me and have sometimes had to pay cash on holiday in some cafes, I generally use card though as that is easier, I have got Apple Watch but find after I have contorted my wrist over the reader that card is the easiest. I would never hope to have no cash in society though and generally the people that don't want cash, though it doesn't affect them at all if others use cash are generally not very nice people

ilovesooty · 25/05/2025 11:29

Sesma · 25/05/2025 11:22

I alway have cash on me and have sometimes had to pay cash on holiday in some cafes, I generally use card though as that is easier, I have got Apple Watch but find after I have contorted my wrist over the reader that card is the easiest. I would never hope to have no cash in society though and generally the people that don't want cash, though it doesn't affect them at all if others use cash are generally not very nice people

I don't accept cash for a range of reasons :
I have a payment in advance by bank transfer policy. If I fail to provide the service at short notice, my agreement with the client is reciprocal.
Bank transfers mean it's easier to track my income for the purpose of doing my tax return, and to pay out for my necessary regular expenses.

I'm a business, not a shop where people might come in and be caught unaware not knowing what the terms are. It's nothing to do with being "nice".

Sesma · 25/05/2025 11:34

ilovesooty · 25/05/2025 11:29

I don't accept cash for a range of reasons :
I have a payment in advance by bank transfer policy. If I fail to provide the service at short notice, my agreement with the client is reciprocal.
Bank transfers mean it's easier to track my income for the purpose of doing my tax return, and to pay out for my necessary regular expenses.

I'm a business, not a shop where people might come in and be caught unaware not knowing what the terms are. It's nothing to do with being "nice".

I didn't mean people like you, I meant the posters that have no businesses just those that spend their own money so it doesn't matter if others use cash, card or whatever, though you knew I meant that, didn't you.

Sesma · 25/05/2025 11:38

A lot of people are not able to have credit cards and it is not wise to use a debit card to pay for things because of fraud, if I didn't have credit cards I would want to use cash especially if I had only one bank account as some have.

Nanny0gg · 25/05/2025 11:40

YellowOrangePink · 23/05/2025 21:43

You're not being unreasonable at all. I am very worried about what happens when we can no longer use cash.

The recent M&S debacle is proof of what could happen when you couldn't use contactless in stores and it wasn't that easy using chip & pin either

No internet/power cut and we're screwed

Nanny0gg · 25/05/2025 11:42

bruffin · 24/05/2025 15:03

A business can refuse anyone business. I worked in accounts counting cash and banking it. It really isnt worth the hassle

It wouldn't be a problem if there were still branches to pay it into

ilovesooty · 25/05/2025 11:44

Sesma · 25/05/2025 11:34

I didn't mean people like you, I meant the posters that have no businesses just those that spend their own money so it doesn't matter if others use cash, card or whatever, though you knew I meant that, didn't you.

No I didn't know that. Thank you for confirming that you didn't mean people like me. And as I said, I take payment by bank transfer, not by card.

Nanny0gg · 25/05/2025 11:47

Wheech · 23/05/2025 22:56

I think it's a right pain that other businesses (taxi drivers) insist on cash because they don't fancy paying income tax like the rest of us.

I get that there are legitimate reasons that cash still needs to exist but my personal preference is card.

Most I've come across use cards now

bruffin · 25/05/2025 11:48

Nanny0gg · 25/05/2025 11:42

It wouldn't be a problem if there were still branches to pay it into

It is a problem, if you have to use up to 3 people to escort cash to the bank, whether its a 10 minute walk or 30 minute drive.

OonaStubbs · 25/05/2025 11:49

If businesses had to accept cash there would be more banks.

There'd be even more if businesses had to pay employees in cash.