I hadn’t actually considered that last point, thanks. One of the reasons I want to move from NatWest is that it takes ages every time I use my debit card to buy anything for it to show up on my online bank statement. Instant (as with Monzo) sounds good.
Do the outlets that have PayPoint get paid for having it in their shop? If they do, I will feel less like I need to buy anything.
As for us in Lancashire: we think the butter pie is the height of sophistication, and most of us have only just got TV and Internet.