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To ask the Chancellor of the Exchequer, what estimate her Department has made of the number and proportion of retail businesses that only accept cash.

Asked by
Jim McMahon (Labour)
Answering body
Treasury
Type
Written questions
Status
Answered
Date
1 December 2025
Reference
93406
House
House of Commons

To ask His Majesty's Government what assessment they have made of the impact of shops refusing to accept cash as payment insisting instead on card payment; and whether they plan to take steps to protect access to and the use of cash.

Asked by
Lord Lipsey (Labour)
Answering body
Treasury
Type
Written questions
Status
Answered
Date
17 October 2024
Reference
HL1259
House
House of Lords

Motion that this House has considered e-petitions 605030 and 622284, relating to the acceptance of cash. Agreed to on question.

Lead member
Martyn Day
Answering member
Andrew Griffith
Department
Treasury
Type
e-petition debates
Date
20 March 2023
Reference
730 cc1-26WH
House
House of Commons

I beg to move,

That this House has considered e-petitions 605030 and 622284, relating to the acceptance of cash.

It is genuinely a pleasure to serve under your chairmanship, Ms Bardell. The petitions before us attracted more than 58,500 signatures between them, having closed on 5 July 2022 and 10 March this...

Member
Martyn Day (Scottish National Party)
Type
Proceeding contributions
Date
20 March 2023
Reference
730 c1WH
House
House of Commons

In response to the Petitions Committee’s online survey, 61% of respondents said that they use cash to help with budgeting and, in the light of the cost of living crisis, by way of tracking their spending. Does my hon. Friend agree that the UK Government must recognise and protect cash...

Member
Margaret Ferrier (Independent (affiliation))
Type
Proceeding contributions
Date
20 March 2023
Reference
730 c1WH
House
House of Commons

My hon. Friend makes a good point. Indeed, I emphasise that it is essential not only for many people who budget, but for those on lower incomes, the elderly and those with disabilities, who need that facility the most.

Member
Martyn Day (Scottish National Party)
Type
Proceeding contributions
Date
20 March 2023
Reference
730 c1WH
House
House of Commons

As my hon. Friend mentioned, freedom of choice is imperative. Currently, we need cash and card. We need to make everyone comfortable with the direction of travel. Does he agree that an education programme is required akin to the one we had back in the day when we introduced decimalisation?...

Member
Ronnie Cowan (Scottish National Party)
Type
Proceeding contributions
Date
20 March 2023
Reference
730 c2WH
House
House of Commons

I am grateful to my hon. Friend. I am perhaps giving my age away, but I came in with decimalisation. I recall the ready reckoners that my elderly relatives had for me to play with as a toy many years ago. An education programme would be helpful. In 20 to...

Member
Martyn Day (Scottish National Party)
Type
Proceeding contributions
Date
20 March 2023
Reference
730 c2WH
House
House of Commons

Just in case the hon. Member for Inverclyde (Ronnie Cowan) was referring to those of us with more experience, I should say there was a time in 1971, when I was selling coin-operated tea and coffee machines, when someone wrote in saying, “The elderly will find the new coins difficult....

Member
Peter Bottomley (Conservative)
Type
Proceeding contributions
Date
20 March 2023
Reference
730 c2WH
House
House of Commons

The Father of the House makes a valid point, and one that I shall echo a number of times as I make progress through my speech—if there are no other interventions.

Zachary Stiling, creator of the more recent petition, told me:

“We must protect the individual’s right to use cash in all...

Member
Martyn Day (Scottish National Party)
Type
Proceeding contributions
Date
20 March 2023
Reference
730 cc2-3WH
House
House of Commons

Last year, I was at a coffee outlet in London City airport that only took cards. A constituent asked me to take up the issue, which I did. A few weeks later, it introduced a process for cash and card. Three months later, the constituent sent me a photograph of...

Member
Gregory Campbell (Democratic Unionist Party)
Type
Proceeding contributions
Date
20 March 2023
Reference
730 c3WH
House
House of Commons

The hon. Member makes a very good point on which I wholeheartedly agree. As I said, 6% of adults use cash payment for almost everything. That figure increases to 9% of those in the most vulnerable circumstances. I shall return later to the impact of cash refusal on the most...

Member
Martyn Day (Scottish National Party)
Type
Proceeding contributions
Date
20 March 2023
Reference
730 c3WH
House
House of Commons

Figures show that 70% of people prefer to use cash because they are concerned about the privacy of alternative forms of payments, and 49% said they used cash because of concerns about fraud. Does my hon. Friend understand the worries that a move to a cashless society could militate against...

Member
Margaret Ferrier (Independent (affiliation))
Type
Proceeding contributions
Date
20 March 2023
Reference
730 c3WH
House
House of Commons

I agree entirely with my hon. Friend’s good points. It appears to be something that concerns very many people. Research from Which? has shown that 82% of Scottish consumers are likely to keep cash in case electronic payments are down.

Member
Martyn Day (Scottish National Party)
Type
Proceeding contributions
Date
20 March 2023
Reference
730 c3WH
House
House of Commons

My hon. Friend is making a powerful case about the importance of having the choice to use cash. Does he

agree that access to cash is fundamental to this debate? In order for people to have the choice to use cash, access to it is at the basis of all...

Member
Patricia Gibson (Scottish National Party)
Type
Proceeding contributions
Date
20 March 2023
Reference
730 c3WH
House
House of Commons

Absolutely, and I will come to that later in my speech. I hope the Minister takes cognisance of that well-made point.

There are also those who have valid privacy concerns about electronic payments. In an age of technology, algorithms, digital footprints and cyber-crimes, it is understandable that some—perhaps many—of our constituents...

Member
Martyn Day (Scottish National Party)
Type
Proceeding contributions
Date
20 March 2023
Reference
730 c4WH
House
House of Commons

The hon. Gentleman is talking about banks closing; the bank on my high street is still open but will not give cash and directs people to the post office. Does he agree that it is appalling that we have banks on our high streets that are not providing the services...

Member
Damien Moore (Conservative)
Type
Proceeding contributions
Date
20 March 2023
Reference
730 c4WH
House
House of Commons

Absolutely; the hon. Gentleman makes a good point, for which I thank him. I am flabbergasted that a bank is not dealing with cash—it beggars belief.

The issues raised need to be addressed, but protecting access to cash is not the same as protecting the right to use cash—a right that,...

Member
Martyn Day (Scottish National Party)
Type
Proceeding contributions
Date
20 March 2023
Reference
730 cc4-5WH
House
House of Commons

My hon. Friend is generous to give way again. It has been reported that about 10% of people have been unable to pay for medical supplies with cash. We know that older people and those with some physical and mental health problems prefer using cash. Is my hon. Friend concerned...

Member
Margaret Ferrier (Independent (affiliation))
Type
Proceeding contributions
Date
20 March 2023
Reference
730 c5WH
House
House of Commons

That is a valid concern that I hope the Minister will address when he responds to the debate.

Some 8% of respondents to the Petitions Committee survey said that they had a physical or mental health issue that made using alternatives to cash difficult. The issues included bipolar disorder, anxiety disorder,...

Member
Martyn Day (Scottish National Party)
Type
Proceeding contributions
Date
20 March 2023
Reference
730 cc5-6WH
House
House of Commons