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In December 2017, LINK Scheme Ltd created a “World First” when announcing that there were too many ATMs in the UK. LINK - ultimately beholding to the big banks - stated that this was costing those banks “a fortune”. Leicester Town Centre was highlighted as the location most over supplied with ATMs. LINK said they would reduce payments to ATM operators so that major cit....

What a timely story from Australia, highlighting how an Australian post office is “begging” the public to deposit cash to safeguard the ability of the post office to offer cash withdrawals. The last bank branch in Queenstown had closed the week before. Timely because the Financial Conduct Authority is holding a review next week of what is happening to access to cash in the UK. The PC....

There is an ongoing campaign to stigmatise cash and those who use it. A charity participating in this campaign is Crimestoppers Trust They highlight the “dangers” of cash-only businesses and ask the public to look out for “individuals displaying unexplained wealth or expensive lifestyles” and using “high-value bank notes”. In fact, the UK does not have any &ld....

You have to admit that the “cashless” brigade keep on trying. They fund a massive French PR agency Havas to orchestrate their attempts to push the UK towards “cashless”. This enables them to obtain media coverage for nonsense. Ironically, Havas couldn’t run the same anti Public Interest campaign in France, because “cashless” is BANNED by law in France, ....

Only 75% of UK adults use mobile banking, despite the fact that 93% of them could ( because they have smartphones). That means that around 10 million adults are choosing NOT to use mobile banking, despite all the hype of the financial services industry, orchestrated by UK Finance and French PR giant Havas. It is wonderful that so many members of the British public can exercise their personal fre....

This is NOT protecting access to cash - its little more than window dressing! LINK have done 1173 “assessments” of communities left without banks in one year and only “recommended” 86 Banking Hubs! Which means in only 7% of cases are communities getting Banking Hubs. This is NOT properly protecting access to cash - it’s little more than Window Dressing! Why is thi....

Absolutely brilliant research work by the European Central Bank on the enduring importance of cash. The Bank of England will be viewing this research with envy - and great interest. I love this quote: “This crisis-driven demand for cash stems from its fundamental attributes: it offers distinct psychological and practical utility, explaining its well-documented global staying power.” ....

What a terrible “process” to get a Banking Hub. A MP bumps into the CEO of LINK Scheme Ltd at a “do” in Parliament, one thing leads to another - and Golspie, a town with a population of only 1300, secures a “review” of “access to cash”. Best word to describe this? FARCE. When YouGov conducted a survey of MPs recently, they found that 98% of MP&rs....

A cash-only ice cream kiosk in a threatre. Who would use that - according to LINK ATM Scheme, few people carry wallets anymore so how can they carry cash? Oddly, not a problem at the Alhambra Theatre in Dunfermline last week, where everyone seemed delighted to use cash to get their delicious Lucas Ice Cream. After exhaustive research on-premises, it was found that even those who did not carry w....

This quote exposes the terrible inadequacies of the current review system in relation to cash access: “The requirements the body LINK Scheme Ltd recommended the new service should have include a free deposit and cash withdrawal service for personal accounts and businesses, allow for a mix of coins and notes to be deposited and withdrawn, and be open for a MINIMUM OF THREE DAYS FOR FIVE HOUR....

Ron from the PCA talks to Lola from UNISON about the vital role cash and payment choice play in Britain today. Source: youtube.com/watch?v=RNfKA9GjOnU

Extracts from a story by Jeff Prestridge for The Mail on Sunday on 7 September 2025.

The Payment Choice Alliance (PCA) does what it says on the tin. It campaigns passionately for people to be given the right to choose how they pay for goods when out shopping, travelling on a bus, having a drink in a pub or at a football match. That means cash or card, not just 'card only',....

Ron Delnevo talks to Mandy from the RMT Union about the importance of allowing the public to use cash, including on trains. Source: youtube.com/watch?v=UwkVpu35vK8

Ron Delnevo talks to Debbie from the National Education Union about the importance of cash in helping children to understand the value of money. Source: youtu.be/pSL9dBv86NI

Wonderful coverage in the Manchester Evening News of the work of Steve Speakman, chairman of the Manchester Civic Society, to ensure cash survives as a Payment Choice for everyone living in Manchester. Steve is also a great supporter of the Payment Choice Alliance. Source: manchestereveningnews.co.uk/news/greater-manchester-news/all-should-wary-losing-its-32388022.amp

It was wonderful to read in the Jersey Evening Post that Deputy Montfort Tadier, who chairs the Jersey Economic and International Affairs Scrutiny Panel, is interested in pursuing a referendum on Jersey to let the public decide if Jersey businesses should be legally obliged to accept the publics cash. PCA Chair Ron Delnevo was delighted to appear before Monforts panel recently. Ron urged the pane....

The Bank of England is holding an event about payments that doesn’t have cash on the agenda - and invites prominent members of the anti-cash mob to participate. Not worthy of two minutes attention, let alone two days. This agenda is dictated by fear. The fear of being left behind. The headlong rush sparked by such fear has characterised the insane inflation of all the economic “Bub....

The important point is that J D Weatherspoons DO accept cash, in over 800 pubs, unlike so many other businesses. Particularly disgracefully, many public-funded not-for-profits and charities who are members of the Association for Cultural Enterprises do NOT accept cash. The Payment Choice Alliance is pressing the UK government to make the provision of public funding conditional on the British pub....

The power misguided governments gave to the “Big Five” Banks - those banks rescued by the British public in 2009 - has left us today with community financial services in TATTERS, as Dan Vevers highlights in his excellent Scottish Daily Record article. Edzell, a community of 800 residents, had a bank branch for 150 years before Lloyds Banking Group closed it in 2016, removing the ATM a....

This article in The Times is meant to be mildly amusing. It is simply rather patronising. Frankly, it is boring to have such commentators supposedly “sympathising” with those who need or want to use cash, as if such people are somehow outliers. Whatever such commentators think, say or write, the UK is NEVER going to be “cashless”, whether or not businesses, banks or the ....

The usual nonsense from so-called “experts”, advising against carrying much cash and urging people to use cards. Extensive travellers and cash users know better. Payment preferences need never be inhibited by any rules about how much cash can legally be carried. The danger is that the public pay heed to such “advice” and are swayed against carrying or using cash. Another....

Nice article in the Daily Express. The Post Office Ltd research findings includes a list of thirty examples of where/when the British public like to use cash. That’s a long list. It’s simpler to conclude that members of the British public frequently choose to use cash, when and where they are allowed to do so. That’s explains why only 8% of people responded in LINK Scheme Ltd....

Only £600 a MONTH can be deposited! Who are Lloyds Bank kidding? Far, far too low - and far too long delayed. How much credit does a surgeon deserve who carries out a minor procedure, knowing major surgery is required to save the patients life? The desire to limit what British citizens can do with their cash is what shines through from this low deposit ceiling. Around a decade ago, LINK....

There is a huge push by the government of Vietnam to eliminate cash use, basically reimagining this nominally “communist” country as a Digital Dictatorship. This hype claims that the country is second behind only China in terms of “cashless” transactions, which is almost certainly nonsense, given the population of Vietnam is only around 7% of its huge neighbour. Vietnam i....

What the graph show is that there are less than 35,000 Free-to-Use ATMs in the UK today. This means that 20,000 Free-to-Use ATMs have been lost since January 2018. A 36% fall, in addition to the 2 Bank Branches lost EVERY DAY in the same period. One impact of this massive reduction in ATM numbers is that around 4 million British adults face AT LEAST a two mile round trip to find free cash access....

The yawning shortfall in the number of Banking Hubs is undermining many communities around UK, though that will be no consolation to Sioned Williams in the Swansea Valley. Hundreds of communities that should have Banking Hubs are not simply getting them. Taking a wild guess, it would seem likely that by the end of 2025 LINK Scheme Ltd will have nominated slightly more than the 250 sites for Bank....

Kenya takes action to legally guarantee cash is accepted. Every one of the UK’s immediate neighbours has already taken steps in the same direction. Meantime in the UK, where a LINK Scheme Ltd survey just revealed that 71% of British adults see cash as vital for personal freedom, a government run by The Labour Party tries to maintain the position that the whim of individual businesses dicta....

Unfortunately, this sentence badly undermines the value of the potential US cash acceptance legislation: “The proposal provides an exception if there is "a device that converts cash into prepaid cards" without any fee.” The vast majority of those who WANT to use cash already have cards. They don’t WANT to buy another one using cash. I have seen this nonsense first hand in New....

Excellent survey carried out by YouGov for LINK Scheme Ltd. Congratulations to LINK for asking the right questions, ones the UK’s Regulators have NEVER asked. How about this for a verdict of the British public: “71% see cash as vital for personal freedom.” Or this “67% feel cash gives them the reassurance to fully understand the cost of what they are paying for.”....

A quote about a rise in rural prosperity in India: “The significant increase in currency in circulation points to a strong recovery in rural economic activity". For all the strenuous efforts of the misguided Indian PM Modi to “demonitise” India, along with the hype about the digital payment system UPI, cash remains vital in India. “Cashless” is dead in India, thoug....

HM Treasury says they are monitoring what is happening in other countries in relation to cash acceptance. In reality, Payment Choice Alliance - founded in 2014, three years before UK Finance - has been gathering international precedents for years and informing HM Treasury accordingly. New Zealand has now been added to the long list of countries where it has been recognised that the public requir....

HM Treasury doesn’t seem to know the extent of the “cashless” problem in the UK? Luckily, the Payment Choice Alliance does. Take the Royal Shakespeare Company. Chaired by Shriti Vadera - who used to Chair Santander UK - the Royal Shakespeare Company accepted over £17.5 Million of the British publics money last year in the form of Government funded grants, via the Arts Co....

Ron Delnevo talks to Paulette Edwards on BBC Radio Sheffield about the wonderful new banknotes the Bank of England are planning! Source: youtube.com/watch?v=V8lyZpukpC0

No wonder the Bank of England are prepared to invest in the design of banknotes - why wouldn’t they keep such a popular and relevant product fresh and interesting? In 2015, the Bank reported that there were £60 billion of banknotes in circulation. In 2025, this amount has jumped to £86 billion. Thats an increase of 43%, despite the slow down during the pandemic. Of course, if....

This was the headline on Saturday 12 July on the UK Treasury Committee website: “Bank of England commits to monitoring cash acceptance on an ongoing basis.” The Bank of Englands commitment to the “monitoring” of cash acceptance consists of, from 2025, expanding its data collection with a SINGLE new question seeking to understand the impact on an individual of a business re....

Cash ALWAYS works - IF accepted. Cineworld Cinemas go “cash only” in Ipswich, messaging their potential customers "Please do book your tickets at the tills as online booking are not going through currently.” Isn’t it lucky that we still have cash on which to rely. Cash, which NEVER crashes or necessitates the message: “Please do book your tickets online. Cash isn&rs....

Only 4.8% of businesses in the Netherlands refuse to accept cash - a much lower figure than in the UK - yet the Netherlands Government have passed legislation guaranteeing that the publics cash will be accepted. Why have the British Government, led by Keir Starmer, not given the British public a similar right? THEY NEED TO LEGISLATE NOW TO ADDRESS THIS OBVIOUS FAILURE. Also, isn’t it wond....

Excellent article by Dan Vevers, Chief Reporter of the Scottish Sunday Mail. Scottish banknotes are seen by many Scots as part of their national heritage and identity. Since the Declaration of Arbroath in 1320 - “It is in truth not for glory, nor riches, nor honours, that we are fighting, but for freedom – for that alone, which no honest man gives up but with life itself” - Sco....

Of course, everyone should keep some cash at home, if they can afford to do so. Systems failures are INEVITABLE. Cash ALWAYS works, as a payment method, store of value and means of exchange. Most of the cash nominally in circulation in the UK is actually already used as a store of value - in fact, more than £50 Billion of the £80 Billion plus of banknotes issued by the Bank of England....

These research findings from the Payment Systems Regulator are more proof that there is continued strong use of cash for payments by the British public, across the board. Those who seek to pretend that these figures are anything but strong evidence of the enduring public use of cash are simply being disingenuous. 37% of adults between 18 and 35 reporting that they used cash once or more in the l....

Hardly surprising to read this in the Daily Express NatWest revealed recently that 6 million adults in the UK only use cash to run their lives and 19 million use cash to budget their finances. The Advertising Standards Authority should ban advertisements placed by Visa, Mastercard, Apple and other purveyors of cards and apps showing users smiling. Why would people be smiling as they sink furthe....

This move to safeguard cash accees in Ireland follows recommendations from Ireland's 2022 Retail Banking Review. Irelands Minister for Finance Paschal Donohoe said: "Cash remains a preferred form of payment and continues to play an important role in our economy. This bill will put in place a framework that will ensure sufficient and effective access to cash infrastructure is available in the....

Cash is Queen! One can well believe that Her Majesty used her own £ when having a flutter! And it might also be said - tongue in cheek - that the King would have been a right charlie not to follow in his mums regal footsteps at Royal Ascot last week! Anyway, good to see this positive story about cash in The Times. They quote NatWest as saying 8% of people solely use cash - that equates t....

The figures in this article show just how popular cash is WHEN THE PUBLIC ARE ALLOWED TO USE IT. Look at these figures: “A total of 650,934 transactions were made in the town’s car parks during 2024/25 – just over 100,000 [more] than the previous year. Cash payments was the preferred choice of payment, with 495,346. That was followed by app payments (105,442) and card payments ....

The lovely Fairy, working in a podiatrist in Edinburgh. Fairy tells us why she - along with many of her customers - prefer cash and how sad it is that youngsters in shops sometimes can’t count! Fairy certainly keeps the younger generation on their toes - and has it nailed down that being able to count is an important tool for living. Time to get arithmetic back on the school curriculum? ....

Staggering quote from Bank of England here: “Even in the UK, there will be times where networks are down and you can only be paying in cash.” Victoria Cleland of Bank of England said “that consumers want cash to be there but they’re not necessarily using it” “Not necessarily using it”? Keeping cash at home IS “using it”. Cash is “used....

The lovely village of Shaldon in Devon, at its heart demonstrates how cash should be treated by British businesses - with the utmost respect. The photograph shows a sign in the excellent London Inn, located opposite the bowling green and close to the beach in this quaint estuary community. “Please pay cash when you can” is all the Landlord asks, later thanking those who do so for &ld....

Interesting article, revealing that Gen Z are returning to cash to get control of their finances. This backs up insights from NatWest Bank research, which revealed last week that there has been a recent increase in cash use by 25 to 35 year olds, perhaps connected to the various IT meltdowns, data breaches and other technological failures that have been experienced in the UK and elsewhere in the ....

A quote from this awful story: “Cashless stores will be a key focus area at the 2025 Retail Technology Innovation Hub Innovation Awards.” Winning awards in 2025; illegal by 2026. East of England Co-op should be ashamed of themselves for imposing “cashless” on their customers - and at a Railway Station, which is subsidised by the British public? Did they ask their 177,00....

The UK Government announces a “Defence Review” and the creation of at least six more armament factories. However, it is not just shells and missiles needed to protect the British public. Nordic Governments - and, more recently still, the Netherlands Authorities - have moved quickly to advise the public to keep cash at home as a defence against cyber attacks and other systemic threats....