It's too easy for digital accounts and what's in them to go missing or be emptied. Cash is something physical and you can have it in your hand and it keeps its value. No brainer. Governments want to know where your spend your $$$, with cash they can't

I don't like the idea of no physical cash around anymore. Others have already mentioned a few things I would have included here but it's easier for many people to save and manage money when they can see it. some psychological thing. Plus I loathe the almost expected forfeit of privacy in recent times.

I think it's a bad idea.

I think going cashless is bad because for the elderly and also stores adding surcharge whenever they like

i think going cashless is very bad for the older people. Not all of them have credit cards or computers. We really need to appreciate and help out the older generation.

I embraced the Cashless Payment way but have now largely abandoned it and returned to Cash. Why? Beacuse so many businesses, large and small, now have the gall to charge a fee when we use either Debit or Credit Cards. Those Fees are either a fixed amount or based upon a Percentage of the cost of what you buy, a fee which can vary between 2.5% up to as high as 7%. When asked why they do this the response is a standard: To Cover the Fees the Bank Charges us. That is a blatant and deliberate Lie for one very simple reason. In Australia, with the exception of fees the banks charge Businesses if they Overdraw their accounts, the Australian Tax Office allows Businesses to Claim All Bank Fees, such as those the banks charge retailers when a customer uses a Debit or Credit card, to be used as a Tax Deduction. In our home Cash is now how we pay for everything. get your self a couple of Piggy Banks and put all of the coins you get in change in to them, its amazing how quickly you safe. As the old saying goes If you look after the pennies, the pounds will look after themselves.

Reserve Bank of New Zealand Act 2021 states cash is legal tender so why are shops not accepting cash?

We need cash for many reasons, garage sales, markets etc. not everyone has credit cards or take them. Kids like to be paid pocket money and like to buy things with their money.

Keep Cash! important for privacy and choice

I mainly use EFTPOS for shopping. I also use direct debit and online banking for the invoices. However I always keep some cash in the wallet for emergency. I do not like the idea of going cashless.

No way then the banks and government will control you

It is a form of prejudice. Not everyone has the comprehension, ability or be able to afford the technology necessary.

We are seeing this kind of thing in China already, and it is beginning in Europe. One of the points (from the 'conspiracy theory' side that gathers info) is to create a society under the control of the few, here and generally meaning the gov't, and a 'social credit' system that rewards obedient and submissive subjects/citizens, and immediately targets those that don't follow the Policies as directed. We've seen some examples during the worldwide lockdowns of some of the consequences, both of following and not following. Death and destruction are now minor disturbances barely worth reporting.

Need cash to buy small items because I don’t want to pay for credit surcharges.

Being a senior I rarely use cash. Most everything on credit card which is paid in full every month & rewards me with Qantas frequent flyer points which have been used for flights over the years!

It’s so sad because when we had the effpost go down the amount of people who couldn’t pay for their shopping was horrible. A few people were lucky enough to go to ATM and get cash out and pay for it but 95% couldn’t. I love my cash!!! KEEP CASH

I try and use as much cash as I can. Going cashless is just for control over more people. and even more ease for the banks because they get to charge even more interest on everything. Like when you see there is 130 billion dollars in Australia in cash, and 10 trillion dollars in Australia in circulation you can see that nearly everything has some form of interest on it. But soon it won't be nearly everything, it will be everything. So don't give in to the banks keep using cash when ever you can. It's like those idiots can't even click on. Black outs do exist.

Cashless is easier but having cash in hands is useful too

Being old School, I like cash in hand and cash in pocket. So, if you run out of digital funny money yet have a major emergency need, you can dive into the Wallet Bank of Personal Security and pay in cash! It would be great if, like me, you're 70 and have some difficulty with computers, mobile payment transfers, and correcting online faults from time to time. So tell your Smart Bank manager what you want as a customer of their branch, and if they fail to deliver, swiftly move on to a bank that treats you as a person.

I sort of get it. It costs to produce notes and coins. To transport costs money and it needs to be insured for transit. No cash on premises means less chance of robbery which should translate to less insurance for the business plus they don't need to take it to a bank. Plus, the Gumbyment loses GST for cash jobs. Do I like it? Absolutely not. How do you give your kids or grand-kids pocket money?

Some shops here have a sign up saying we do not take cash.

I only use my credit card, cash, or gift cards / vouchers, and sometimes PayPal for online stores. Cheques are no longer able to be used in New Zealand, which is a bit of a pain in the backside since a bank cheque was an easy way to pay someone else when dealing with largish amounts of money. I do not have an EFTPOS / ATM / debit card, nor a mobile phone, nor use internet banking.

Cashless is good for the older people to make it easier for them.

They want to monitor you.

HI,TYVM JANN R

Terrible for everyone other then Big Brother and his disciples. It has nothing to do with conveneince and everything with eradicating privacy and anonymity.

The next thing will be a surcharge per purchase if you only use cash. UmmmmmmEdited 26-May-25 08:29am

This would not be good. The older generation might have many who still use only cash or do not know how to do otherwise.

I prefer using cash. Many places charge extra fees for use and more on weekends and public holidays. I grew up with cash,find it easier to keep track of purchases and stick to my budget. I do use my card when I have to,but prefer not to as some items are pending and the true amount in your account my not be visible for a couple of days. I prefer banks with tellers. I like to speak to them when I have queries in regards to my account and like to keep documentation of account transactions to to check my account. This holds the bank to transparency,gives people jobs.

well when the ass falls out of all the technology the world will be forced to go back to cash

I will never put any of my banking details on my phone. I just use my card. Or pay cash on occasion.

Cash is still legal tender and any places that don’t accept it should be named and shamed. It’s wrong and what’s really annoying is when you can only use a debit or credit card you get charged a surcharge fee. Absolutely outrageous being charged to use your own money especially for a debit card

I always use cash. We should all have a choice, with cashless, more of our freedoms are taken away and we all know how anything online can be hacked.

No way I would feel thst I have no control .I need to see real money somtimes or it doesn't feel real

We should have the choice....For some it is easier to pay cash especially the elders who are not used to technology.

I have been hearing about cashless for over 30 years and it still has not happened. Cash is a necessary evil for when tech fails but when tech fails that badly the bank will be down and you can't withdraw any way (extremely rare). Don't just think old people are the ones not using digital banking and smart phones and want to be cash only as there are many people MUCH younger than me who distrust the system or are paranoid about being spied on or the bank suddenly shutting and they can't get to their cash so they are cash only and they take their pay out of the bank every pay day. The most ridiculous ones are the ones who do have a mobile and state that they use cash because they don't want to be spied on (the phone KNOWS where you are and Google is always proud to give you your stats every month about it, for example). ROFL

It's a pain in the backside. I happen to be one of those older people that don't own a smart phone (nor do I want too) and aren't tech savvy. I have to get the younger generation to do it for me since when they show me how I forgotten the next day. And I like the cash in hand method anyway. I reason I feel people are so in dept with credit cards and whatever is it's too easy to swipe a card. It feels like free money to them. Cash in hand...now you are feeling the real cost of it cause you can see what is happening to your money. Also my sister who is older than me (71) got scammed out of $29,000 trying to pay a fake bill using a smartphone. Pushed the wrong button at the wrong time and gave out one too many details. The more you rely on technology, the more vulnerable you become. Edited 26-May-25 07:37am

That's unfair for the elderly and people that don't know how to do online banking not everyone is tech savy

I think its so wrong we need to keep cash I like to have cash and could not live without it and there are self employed people like massge therapist that only take a cash payments and they would be in a lot of trouble if there was no cash

I have cards, but refuse to use mobile/off phone.. Prefer cash. I was amazed to hear there is a bank in our area that is 'cashless' -thort cash was part of the meaning of bank. it is just another way of powers that be keeping track of us-sad

Most people use cards now a days. Very few people carry cash any more. It does not help the elderly as they do not know how to use technology. Cash will always be needed as a backup.

We dumped all the big major Banks years ago, we have been with the Police Bank and Coastline Bank for years, and can put cash in and out at those Banks and can use some ATMs for free. The other big reason to not to stop using Cash is the fees you pay for every transaction when you use a CC, no fees over a period of 1 year = big savingsEdited 26-May-25 07:11am

Crypto is becoming big, big, now. I have changed my views abt crypto somewhat as you can pay for things online with it. Even several people in business, even Trump is changing his personal view on cryptos.

This to me is outragous. Talking about big brother. if their is still a working bank in your area, my suggestion is to pull your money out, and move to a new bank.

that sucks

not the way to go. will always be hiccups.

Look for another bank

Why not close them all up now, let the community go cashless

It's always advisable to have some cash on you at all times. Not every one has an EFTpos machine,

Electronics can stall and crash at banks and stores and your card won't be accepted. I always keep at least $50 in cash

closed all their teller's what? oh tellers. electronic banking started in New Zealand over 40 years ago. If those people didn't see the writing on the wall and are now aged 80 it's their problem.

Always have cash on hand. There will be times when the system crashes and then you will wish you had cash. It happened last year, panic ensued, but I happily counted out my coins and notes.

I think that'd awful we still we need people conversations

Cashless, I hope not. I know many young people who like cash as much as I do. The world just won't work without cash. It will cost too much, and people will stop buying raffle tickes and putting money in charity tins. The law will have to change. It is illegal not to take cash but our weak governments are doing nothing about it. If we do go cashless I will be taking all my money out of the bank and will be insisting they give me cash. If everybody does that perhaps they will rethink it. Banks are very greedy.

The World will have more problems.

I think to go cashless they will have to change the law as what will be "legal tender' I am now in my eighties. I hope I die before this happens

Notes are legal tender, so there is no reason why they can't be accepted. Just laziness as the merchant would have to take cash physically to the bank.Edited 26-May-25 18:18pm

New world order by 2030. Agenda 21.

Totally agree with "LA" below and have left the following response ... Love your response, very well composed, all nonsensical points covered, if it can be broken, blocked or made none inclusive, ie the old, the infirmed and those who can't afford ot understand the latest techno gadgets, it has been outsandingly accomplished ,,, cheers mb.

I do both. Pay wave is a rip off.

We need both, so when the system goes down, we can still get on with life because not everyone carries phones or cards.

I prefer using my debit card and using my online account easier for me.

Why cashless? More monetary profits for legal and illegal business entities (you need fewer human workers). Therefore, you adapt by improving your digital survival skills to enjoy life in an 'ever-changing-digital-world' or slowly sink into digital poverty (your choice)!Edited 26-May-25 11:14am

I carry very little cash

I never carry cash

Cashless society

Cash is King

Oh, going cashless? What a brilliant idea—if you’re under 40, have Wi-Fi in your fridge, and think “touch grass” is just a meme. Meanwhile, Grandma’s out here trying to tap her library card on the ATM wondering why it won’t give her £20. The bank says “just use the app,” but she thinks “app” is short for applesauce. And let’s not forget the branch closures—because nothing says “customer service” like replacing friendly tellers with a touchscreen that asks if you want help, then gives you none. At this rate, soon we’ll be paying for bread with crypto and explaining to our nan that "blockchain" isn't a knitting pattern. 🤣

Not good, but what can we do? It is all about control over the people.Edited 26-May-25 03:10am

It not good we are living in terrible times but sometimes good if you try hard

I hate it. Going all digital is not a good idea. Government can track you, track your spending see what you are spending your money on.Edited 26-May-25 02:32am

HI, TY Dsmiles2U

I never use cash, only credit cards. Most young people nowadays don,t know how to make change, if you hand them cash. I know two different people, who only use cash, and because they don't use credit cards, can't build up their credit score, to borrow money.

Err, even ATMs are getting fewer and fewer. I am fortunate that my local shopping centre still has one from the big banks, therefore no fees for using it. Some people have to travel to a different suburb to access one so they give up using cash.

I don’t like it but i am not surprised that things are getting less personal

I hate when it’s all cash apps I’m 47 and I still use cash or debit but nothing else is just to much technology for me

Most elders wants to see their pensions by check. Not by digital transactions

I like cashless because it's so easy. A bonus is that if my wallet were ever to be stolen, I can call and have my card immediately cancelled.

I use one credit card and cash. I refuse to shop using an app as I value my privacy.

Well if more people dont use it then there will less money in circulation. We should all have some in our wallets and purses, as the banks - sometimes have glitches, and you cannot get money out when needed.

The government wants to know what you spend your money on. Cashless NO. What about kids pocket money, the tooth fairy, buskers, the homeless out begging, no more finding coins on the street, no more putting cash in a birthday card, no more needing a piggy bank at home, no more using a 5cent piece as a screwdriver. no more loose change in a donations box or jar.

Local branch, damn. Time to leave the major bank and get with a credit union, where you are a paying member. I use cash and debit. I don't own a credit card. I don't own a "smart"phone...and NEVER will. My branch is in a town 2.5 hours away from me because I used to live there, but I have zero use or need to go to my branch because I can go to any credit union and use their ATM if I need cash at no charge. What most people do not realize is...if the DEMAND is NOT there, they CANNOT implement this. Stop mindlessly "going along" with things. All of you who claim critical thinkers are "conspiracy theorists"...you all need to stop and realize WHERE these ruling elites actually want all this to go. But, if we DO NOT COMPLY...they CANNOT carry these things out...at minimum, we delay them big time. They will TRY to fearmonger us into submission though, so start realizing ALL THAT HAPPENS ON THE "NEWS"...aka Nothing Ever Worth of Seeing...IS ALL PROPAGANDA. Our blind compliance ALLOWS them TO do these things. Remember that. Just like when you vote...that is YOU giving YOUR CONSENT that you are OK with corruption and fraud being committed by "selected" officials. Time to reclaim our brains, folks. World War 3 has been ongoing since the early 1950's...and that is the ALL OUT ASSAULT ON...and FOR...OUR BRAINS!!!!! But, the "news" will keep you held in perpetual anticipation, stuck in suspended animation, waiting for some great "nuclear war" to go down....meanwhile, they wage MINOR wars on us through various different means, but, since it is not what we have been programmed to THINK "war" is...we do not SEE it. Newsflash...these elites have NOWHERE ELSE TO GO. They CANNOT, and WILL NOT, destroy the earth with a nuclear war. The war has been on your MIND...silent weapons for QUIET wars. STOP COMPLYING!!!!! A technological REGRESSION is key to this. Let GO of most tech, because you're LOSING your brain power and ability TO critically think as you rely on tech more and more.

Cash is King!

IT'S easy for goverment to track money of the people

It is terrible...cash is legal tender...the Government should demand that Banks provide a reasonable service and life does not revolve their cost cutting (and MASSIVE PROFITS)...I find the Bank's arrogance really offensive...but Australia's governments are weak and uselessEdited 26-May-25 00:38am

I am fully against the country going cashless. I use cash and will continue to do so. Only use my credit card when buying petrol or on the very rare occasion at the supermarket if I don't have enough cash on me. I use my debit card to get cash out (was out of an ATM, but can now do it at the Post Office which feels much safer).Edited 26-May-25 00:32am

I personally do not like it. Cash or debit for me.

If we go cashless many people will start to barter.

You don't want everything to go cashless, because it's a form.of control. Cash is king. Too many negatives with a cashless society. What if the power goes out, and such? And you don't have cash on hand and only cards, then what? Just bad Overall.

"...all the better to track you with, my little pretties...". It has started in earnest, for sure. most places won't even take cheques now, only electronic banking/cards. Brave New World is now. Sad!Edited 26-May-25 00:09am

Well most of us present day old people will be gone within 20 years anyway. For the time being, I will continue using both cash and cashless.

I still use cash when I can because every time you use your card there is a surcharge put on and that all mounts up over a year. The banks are making the money.

Cashless bad

wow