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19 Nov 2025
Cash payments continued to decline in 2024 in favour of card payments and in particular contactless debit card payments. Mobile wallet services linked to a debit or credit card, such as Apple Pay and Google Pay, have also entered the market, providing further payment choices for consumers at the checkout. In the person-to-person front, cash payments are being replaced by Faster Payments. Nevertheless, most adults are ATM users and use cash to pay for goods or services at least once month. For a small but persisting slice of the UK population, cash remains the main payment method in day-to-day spending.
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