It would make me a sad panda, really. I made at least 3 ATM withdrawals a month:
- pay for shared lift, in cash (it crossed my mind to get driver to set up Monzo, but it would feel weird)
- twice ish, cash to pay for sandwiches at work
I rarely make any more than that.
Since I make withdrawals only to pay for stuff I can’t pay with card - to answer your question @MIROW - no, it would not make an impact in my scenario, I can’t use card more, because I’m already using it wherever I can.
If there were charges, I’d basically switch to cashing out max* I can in one day and storing it in a sock at home. Hardly elegant solution.
*if it’s flat fee. Not applicable for % fees.