The Demise of the ATM?

[The Lounge Lizard]

Crypto did you so dirty you had to change your username FFS!!!

I remember him/her from when I first joined LU.

 

[Matua]

So right! My local shopping centre used to have 13 CBA ATMs In the Plaza itself and surrounding streets. Now there are just six with four of those being in the solitary CBA branch (there used to be two branches). And only ONE available after hours.

CBA certainly had a flood the area policy previously. They used to have three branches within about 100m of each other in Haymarket. One on George, one on Sussex and one in Market City. The MC one has closed and all the ATMs have gone, the Sussex one is now an ATM place I think, and as far as I know the George St one is still open.

 

[The Lounge Lizard]

Real bank ATMs have been gradually replaced by these generic thieving ATMs over the past few years.

I use an ATM at least five times a week. That could amount to in excess of $500 in a year if I used these generic robbing machines.

On screen message: "The use of this machine will incur a $2 fee. Do you wish to continue?"

Just a bunch of f**king ripoff merkins!

 

[Matua]

Real bank ATMs have been gradually replaced by these generic thieving ATMs over the past few years.

I use an ATM at least five times a week. That could amount to in excess of $500 in a year if I used these generic robbing machines.

On screen message: "The use of this machine will incur a $2 fee. Do you wish to continue?"

Just a bunch of f**king ripoff merkins!

I'm the opposite of you, I can't remember the last time I withdrew cash. I lease a carpark to a neighbour and he pays me in cash annually and I just put that money in a cash jar for whenever I might need it (mostly for door dash rider tips or a cash discount restaurant) and I never get through the cash in a year.

Pre-covid quite a few restaurants in Chinatown were cash only but thats pretty much changed now.

TBH, when I first moved to Sydney in 2014 I thought I'd gone in a time machine back to the 80s when it came to cash usage. So much of Sydney at that time was cash only, or eftpos minimums of $5 or $10, whereas I'd come from NZ where I hadn't used cash in any great volume in years. But time, and Covid, seemed to change that and you can go mostly cash free now.

Oddly enough,NZ has gone from being way out in front (IIRC we were the test case for eftpos so had it since the early 90s - completely across the board) to being technologically behind in some cases - some of NZ's businesses only have eftpos and not paywave, so you still need to put in your pin, but on each trip back to NZ I notice that more and more places have updated.

 

[The Lounge Lizard]

I'm the opposite of you, I can't remember the last time I withdrew cash. I lease a carpark to a neighbour and he pays me in cash annually and I just put that money in a cash jar for whenever I might need it (mostly for door dash rider tips or a cash discount restaurant) and I never get through the cash in a year.

Pre-covid quite a few restaurants in Chinatown were cash only but thats pretty much changed now.

TBH, when I first moved to Sydney in 2014 I thought I'd gone in a time machine back to the 80s when it came to cash usage. So much of Sydney at that time was cash only, or eftpos minimums of $5 or $10, whereas I'd come from NZ where I hadn't used cash in any great volume in years. But time, and Covid, seemed to change that and you can go mostly cash free now.

Oddly enough,NZ has gone from being way out in front (IIRC we were the test case for eftpos so had it since the early 90s - completely across the board) to being technologically behind in some cases - some of NZ's businesses only have eftpos and not paywave, so you still need to put in your pin, but on each trip back to NZ I notice that more and more places have updated.

Heaps of businesses in my area are cash only for the very reason there is no traceable records of transaction. On other words, a tax dodge.

There's a cash only meat and seafood shop that has its own in house ATM. I find it strange that it doesn't have an associated transaction fee. Anyway they have good produce at a reasonable price.

 

[horrie hastings]

Can't you get cash out at Woolworths?

Got to buy something first where you dont have to with a ATM. Not certain what the cash out limit is at places like Woolworths or Coles, through Liquorland it is $200 maximum, they go on theory that we shouldn't have lots of cash hanging around in the registers, we used to be able to over ride it to $500 so staff could get their wages out if they wanted but they stopped that.

On a funny note just after i opened this morning this old woman came in with $500 of $50 notes and said could i change them to $100 notes, i almost laughed because there would rarely be a time ever if we had 5 $100 sitting in out registers but there would be no way we would 10 minutes after opening.

 

[horrie hastings]

i put my brother onto Mrs Bee at the Addison Rd markets, she does great jams, honeys , relishes and pickles, the first time my brother went he had a big shopping list but didn't get anything as she only takes cash and he wasn't carrying cash on him. Her stuff was so good though so the next time he went he made sure he had cash on him and he is a regular at her stall now.

 

[horrie hastings]

Oh and i should mention the amount of people who want cash out when purchasing something then try to tap their card and then question why they have to put their PIN number in, i just say think of how easy it would be if you card was lost or stolen and someone could come in and buy something for $2 and then draw out $200 , you have to have a pin using an ATM so its the same here and they go oh.

 

[The Lounge Lizard]

I've been a CBA customer since Jesus was a pup but one the one thing that shits me is the way their ATMs dispense the receipt first THEN the money.

It's caught me out twice with withdrawals totalling $550. Being in a hurry, I took my card and receipt but forgot the money. Leaving it in the ATM, it sucks it back in after about 30 seconds or so. Luckily, both times it wasn't busy and I managed to have the money put back into my account in less than a week.

Not like the generic robbing ATMs where I received $450 instead of the desired $500. The operator admitted to the mistake but it took over 1 1/2 months to be reimbursed the missing $50!

 

[horrie hastings]

I've been a CBA customer since Jesus was a pup but one the one thing that shits me is the way their ATMs dispense the receipt first THEN the money.

It's caught me out twice with withdrawals totalling $550. Being in a hurry, I took my card and receipt but forgot the money. Leaving it in the ATM, it sucks it back in after about 30 seconds or so. Luckily, both times it wasn't busy and I managed to have the money put back into my account in less than a week.

Not like the generic robbing ATMs where I received $450 instead of the desired $500. The operator admitted to the mistake but it took over 1 1/2 months to be reimbursed the missing $50!

I worked at the Commonwealth bank when ATM's came in main stream and we had to go out and show customers how to use them. The thing now is when i take money out of a Commonwealth ATM is after i have checked that my pay goes in on line and then i just take the money out already knowing the balance without wanting a receipt from the ATM.

 

[YoHadrian]

On the CBA ATM's I find the keyboard quicker than the touch screen. My fingers fly on the keys rather than jabbing the screen like some demented window licker.

 

[Incorrect]

Sort of related and on the theme of the demise of cash.... On Saturday, I withdrew cash as the wife and I were catching up with a group of friends for dinner Saturday night so I wanted to have cash to be able to pay for dinner when splitting the bill.

At lunch time, I took my son to a shopping centre near home to grab something to eat. We went to one place and I ordered my young bloke something, the total was $17. I handed over a $50 note. The lady opens the till and says, "Oh, I can't change that."
I said, I've got a $20 note if that helps.
"Ummm, I've got notes but I don't have any coins" she says.

So I said, righto... well just make it $15 then and you can give me a $5 note change. And she says, "No, I can't do that. Can't you pay with a card?"

I said, "I could, but I've got cash and I want to use cash" (you know, like legal tender?). They weren't going out of their way to find a solution, so I wasn't going to either. Pedantic I know but that sort of nonsense shits me. Fair enough if you want to be a cash-free retailer, put up a sign and make it clearly known, but this place had no such policy, they're just putting the paying customer's convenience below their own. So I just said, "Oh well, maybe next time" and walked away and went to the one of the other food outlets next door...

Told my missus when I got home - she wanted to slap me!

 

[The Lounge Lizard]

Sort of related and on the theme of the demise of cash.... On Saturday, I withdrew cash as the wife and I were catching up with a group of friends for dinner Saturday night so I wanted to have cash to be able to pay for dinner when splitting the bill.

At lunch time, I took my son to a shopping centre near home to grab something to eat. We went to one place and I ordered my young bloke something, the total was $17. I handed over a $50 note. The lady opens the till and says, "Oh, I can't change that."
I said, I've got a $20 note if that helps.
"Ummm, I've got notes but I don't have any coins" she says.

So I said, righto... well just make it $15 then and you can give me a $5 note change. And she says, "No, I can't do that. Can't you pay with a card?"

I said, "I could, but I've got cash and I want to use cash" (you know, like legal tender?). They weren't going out of their way to find a solution, so I wasn't going to either. Pedantic I know but that sort of nonsense shits me. Fair enough if you want to be a cash-free retailer, put up a sign and make it clearly known, but this place had no such policy, they're just putting the paying customer's convenience below their own. So I just said, "Oh well, maybe next time" and walked away and went to the one of the other food outlets next door...

Told my missus when I got home - she wanted to slap me!

You are quite within your rights to crack the shits.

Is the term "legal tender" in a language foreign to the shopkeeper? I could elaborate but I won't - I value my LU membership too highly.

 

[horrie hastings]

Sort of related and on the theme of the demise of cash.... On Saturday, I withdrew cash as the wife and I were catching up with a group of friends for dinner Saturday night so I wanted to have cash to be able to pay for dinner when splitting the bill.

At lunch time, I took my son to a shopping centre near home to grab something to eat. We went to one place and I ordered my young bloke something, the total was $17. I handed over a $50 note. The lady opens the till and says, "Oh, I can't change that."
I said, I've got a $20 note if that helps.
"Ummm, I've got notes but I don't have any coins" she says.

So I said, righto... well just make it $15 then and you can give me a $5 note change. And she says, "No, I can't do that. Can't you pay with a card?"

I said, "I could, but I've got cash and I want to use cash" (you know, like legal tender?). They weren't going out of their way to find a solution, so I wasn't going to either. Pedantic I know but that sort of nonsense shits me. Fair enough if you want to be a cash-free retailer, put up a sign and make it clearly known, but this place had no such policy, they're just putting the paying customer's convenience below their own. So I just said, "Oh well, maybe next time" and walked away and went to the one of the other food outlets next door...

Told my missus when I got home - she wanted to slap me!

I would have done exactly what you did,gone elsewhere. I have no problem paying by card at certain venues but if i have cash on me and want to use it i do (which is most of the time ). I was at a food and wine festival a few months ago i tried a beautiful pasta sauce which i ended up buying a jar of, the price was $12 and i gave the lady a $20 note and she said she didn't have any coin for change so i thought she was going to say can you use a card but no she said i will give it to you for $10 and gave a $10 change, there are easy ways around if the shop owner or who ever stops to think for a second. The place you ordered from originally may have got a return customer of you had they did the right thing in the first place but now i bet you would not go back there on principle ( i know i wouldn't )

 

[Incorrect]

I would have done exactly what you did,gone elsewhere. I have no problem paying by card at certain venues but if i have cash on me and want to use it i do (which is most of the time ). I was at a food and wine festival a few months ago i tried a beautiful pasta sauce which i ended up buying a jar of, the price was $12 and i gave the lady a $20 note and she said she didn't have any coin for change so i thought she was going can you use a card but no she said i will give it you for $10 and gave a $10 change, there are easy ways around if the shop owner or who ever stops to think for a second. The place you ordered from originally may have got a return customer of you had they did the right thing in the first place but now i bet you would not go back there on principle ( i know i wouldn't )

100% - I doubt I'll ever be returning to that place in the future, so the $17 they lost on Saturday will be exponentially more in the long run...

 

[taste2taste]

I heard a panel discussion on ABC Radio with a cop who said when we eventually go cashless it will almost totally eliminate crime. Electronic transfers leave a trail and if you can't pay with cash you're easily caught.

He also said soon they'll have software that can scan every transaction and cross reference tax records with insurance records and red flag any dubious activity and they'll simply get that person audited to explain thier wealth.


Scary times with big brother on the look out.

On a side note, I went to pay for my coffee last weekend and they'd 'accidentally 'put in an extra 0, I was being charged $45.00 for a coffee. It pays to double check what they've put in.

 

[Matua]

On a side note, I went to pay for my coffee last weekend and they'd 'accidentally 'put in an extra 0, I was being charged $45.00 for a coffee. It pays to double check what they've put in.

You weren't in Melbourne by any chance? They probably consider that a fair price for their overrated coffee down there.

 

[Pippen94]

I heard a panel discussion on ABC Radio with a cop who said when we eventually go cashless it will almost totally eliminate crime. Electronic transfers leave a trail and if you can't pay with cash you're easily caught.

He also said soon they'll have software that can scan every transaction and cross reference tax records with insurance records and red flag any dubious activity and they'll simply get that person audited to explain thier wealth.


Scary times with big brother on the look out.

On a side note, I went to pay for my coffee last weekend and they'd 'accidentally 'put in an extra 0, I was being charged $45.00 for a coffee. It pays to double check what they've put in.

Ppl who own copyright for software benefit most from cashless system.

 

[The Lounge Lizard]

Yesterday's CommBank debacle is yet another instance of why cash should remain king.

All those poor techophiles were crying into their EFTPOS machines when they couldn't perform their purchases via the almighty keycard - the false plastic god. Try carrying cash you gimps. The funniest thing would have been the shock on their faces when they couldn't purchase their poisonous and obnoxious coffee by card!

I could hear the screams of "Oh no.... how am I supposed to get through the rest of the day without my COFFFEEEE?!".

Sucko bitches.

 

[Nutz]

I suspect that reducing and eventually eliminating ATMs is a part of creating a totally cashless society. Will Mummy and Daddy put a credit card under their kids pillow for a tooth instead of cash?

The number of bank branches is declining as well. Some regional centres across the country don't even have a branch and/or post office.

Tap and go can ge t f**ked. I know of a few people who had a lost or stolen card, not reported it immediately (as within 5 minutes) and find their funds have been eaten into.

The major problem is you don't get an account balance with tap and go or EFTPOS. Just to f**k up the banks, I will go into a branch and ask for a balance, come back a few minutes later and withdraw $20. If I can find a branch.

Set your tap and go limit to 100 bucks without a pin and also set your phone bank app up so you get a loud notification which alerts you to a purchase. My notification is nearly instant after a transaction. If it wasn't you then the app can block it straight away. If your quick the most you'll lose is 100 bucks.
My wallet also has a gps tracker that my missus can track as well as an explosive device that can be remotely detonated from my missus phone....big enough to blow a man's leg off. Just be careful that your not having an affair.
(Slight exaggeration for a laugh)