I’m a self-confessed cash-tipper, always have been.
Have to say, however, you’re eloquently beginning to put me off the whole idea……
And SureStart for future generations…
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Have card tips been granted the protections that cash tips have yet?
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In what way are cash tips protected?
You can’t siphon a cash tip, last I checked Pizza Express etc took ~50% of their front of house employees’ tips to shore up kitchen staff wages.
many also charge processing fees on card tips
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Some time ago, the Government confirmed that tips and service charges can’t count as part of the National Minimum Wage.
The Government are currently also putting through the Employment (Allocation of Tips) Bill through Parliament.
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And yet……
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How much are these “cash experts” being paid to spout absolute twaddle 
I’ve seen cash usage ramp up in my line of work - but I’ve yet to see a single instance where it’s helping people budget. A false sense of security and little else.
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Doubt this is anything more than a tabloid piece by the BBC, rather than actual decent journalism
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From Halifax terms and conditions coming into effect in November 2022 they have this line included;
“• We’ve added a new condition to say that we may not replace your card when it expires if you haven’t used it for 6 months or more”
I have many debit cards that I never touch because all my spend is on Credit cards or the Chase card.
Isn’t this pushing more people into being cashless?
I don’t know if that’s particularly unusual. I’ve had at least one other bank notice I’m not using my debit card and tell me they won’t bother sending me a new one unless I explicitly request it.
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If you haven’t used your debit card for six months then you’re already cashless.
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Not unusual.
Santander send a letter a few months before expiry warning that if there’s no activity in the next couple of months they won’t reissue unless you ring them and ask for one.
Barclays didn’t reissue my debit card (which I’m pretty sure I had literally never used, only used the account for BlueRewards and access to their formerly good H2B ISA) - annoyingly this meant I couldn’t regain access to my account when I lost my phone last year.
Pretty sure Nationwide do something similar too.
I don’t think it’s really much to do with ‘pushing people to go cashless’ but more saving themselves the (not inconsiderable cost) of reissuing a debit card which is likely to literally never be used. Neither bank offer a non-physical debit card (at least not without an accompanying physical debit card).
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I wouldn’t mind if Santander didn’t issue me a card, but they need to make the card details available in the app first, just in case I have an urgent need. Now I just make sure I use the card when I get the letter.
What annoys me about Santander is that they only consider physical usage of the card - if you only use it online (i.e. to trigger their cashback offers) they would rather take the facility away from your than continue to provide an option. I agree a digital only version would be a happy middleground but it seems no physical bank has done this yet.
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Well said
Ten other areas were previously identified, but the doors have yet to open on any of their new hubs.
Ministers have prepared legislation to ensure people can access cash locally.
“Cash is disappearing at a frightening rate, and so are ATMs and branches and it is not acceptable to leave communities without access to cash,” John Howells, chief executive of Link - which is the biggest interbank network in the UK - told BBC Radio 4’s Today programme.
“There is real investment and effort going in by the banks now…But now that pace needs to be picked up,” he added.
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At these hubs, run by the Post Office, customers of any bank can access their accounts, deposit cash and cheques, and withdraw money at any time.
Presumably “any bank” doesn’t include Monzo, at least for deposits of cash and cheques.
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