Privacy

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Decided to start paying predominantly cash again (lemmy.mtate.me.uk)

submitted 4 months ago by smeeps@lemmy.mtate.me.uk to c/privacy@lemmy.ml

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I had two reasons, the first is because i found it way too easy to spend on my card without thinking, and the second because I wanted to regain a bit of privacy alongside everything else I'm doing. Ive set it up in my bank that on payday, an amount of my salary automatically goes to the bills account, some goes to long term savings, some to short term savings, then the rest I take out in cash.

It really does change my perception of spending I think: Ive found myself not buying things because I didnt want to break a note and carry change. I can physically see how much I have left. I can take £20 to the pub and leave when its finished. Plus it feels really good knowing every single transaction isnt stored forever. I have a small amount of money on a contactless ring for emergencies like a bus fare or somewhere that unexpectedly only takes card.

Is anyone else still predominantly using cash day to day?

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[–] delirious_owl@discuss.online 4 points 4 months ago* (last edited 4 months ago) (3 children)

Heh, Germany isn't a good example. Its really hard to find a German bank that doesn't charge you money to let you take cash out of your own account.

Most countries in South America use cash for most transactions.

[–] smeeps@lemmy.mtate.me.uk 6 points 4 months ago (2 children)

This is one thing the UK is really good for, all bank owned ATMs and most public ones are completely free to use for any cardholder of any bank. My bank doesn't even have physical branches but I can still use the ATM of any bank lobby for free. There are some paid ones run by private companies but the fee is usually a flat £1-2 max. I've been to ATMs in Europe that have tried to charge me something like 10EUR to take out 30.

[–] delirious_owl@discuss.online 2 points 4 months ago (1 children)

How's Ireland?

[–] smeeps@lemmy.mtate.me.uk 3 points 4 months ago

Probably vaguely similar from when I've visited

[–] rmuk@feddit.uk 2 points 4 months ago* (last edited 4 months ago)

A lot of the convenience of the modern UK high street baking sector is because of Girobank, the 1960s Government's successful attempt to force modernisation on the banking industry. When I hear about the ass-backwardsness of other country's banking arrangements (especially the US) I give a little thankyou to Girobank.

Edit: Also, yes, tourist ATMs are predatory bullshit.

[–] Avero@feddit.org 3 points 4 months ago (1 children)

huh, thats not common in my experience. Most people are with Sparkasse or other mayor banks which allow for free cash withdrawals, at least in their network. You can also get cash in supermarkets o.O

[–] delirious_owl@discuss.online 2 points 4 months ago (2 children)

Sparmasse charges a monthly fee, no?

[–] Avero@feddit.org 2 points 4 months ago

Most probably do, but thats not specific for cash and also depends on your local Sparkasse

[–] Head@lemmings.world 1 points 4 months ago* (last edited 4 months ago) (1 children)

Only if your direct deposit amount is below a threshold, which is low enough that most full time workers meet it.

[–] delirious_owl@discuss.online 1 points 4 months ago

And what happens when you stop working in Germany? They just steal your money every month? Fuck that

[–] anivia@lemmy.ml -1 points 4 months ago* (last edited 4 months ago)

Was, das habe ich noch nie gehört? Ich habe bei der Sparkasse, Commerzbank und Santander ein Girokonto, keine davon verlangt Gebühren fürs Geld abheben bei Automaten der eigenen Bank. Bei der Commerzbank und Santander kann ich sogar 3 mal im Monat kostenlos bei Automaten einer fremden Bank abheben.

Außerdem kannst du kostenlos Geld abheben, wenn du im Supermarkt per Gieokarte (aber nicht Kreditkarte) zahlst