#816 Cashless Ireland, Convenient or Controlling? (With Senator Sarah O’Reilly)

Should Every Government Service Be Forced to Accept Cash?Niall speaks to Aontú Senator Sarah O’Reilly about her campaign against businesses, sporting venues and State services refusing to accept cash.Senator O’Reilly has strongly criticised the National Driver Licence Service, which does not accept cash, cheques or postal orders at its centres. Customers must instead pay using a debit or credit card, Apple Pay, Google Pay or a Payzone voucher. She argues that it is astonishing for an essential public service operating on behalf of the State to continue refusing direct cash payments.The Government’s National Payments Strategy, launched in October 2024, states that Government departments and bodies operating under their authority should accept both electronic and cash payments, or provide a way for people to facilitate a cash payment, when charging for public services, goods, fines or fees. Senator O’Reilly argues that the NDLS policy makes a mockery of that commitment.Niall asks whether requiring someone to purchase a Payzone voucher really amounts to accepting cash, or whether State agencies should be required to take notes and coins directly at the counter.Senator O’Reilly says the move towards a cashless society is discriminatory against older people, those without smartphones or reliable internet access, people who struggle with technology and citizens who do not have bank accounts. She argues that cash allows people to budget, protects privacy and gives everyone the ability to participate in society without relying on a bank or technology company.She also raises serious concerns about victims of domestic abuse. Financial control is commonly used by abusers, including taking possession of a victim’s bank card, monitoring transactions or restricting access to an account. Cash can provide a degree of privacy and independence to someone attempting to escape a controlling relationship.Ireland’s Finance (Provision of Access to Cash Infrastructure) Act 2025 came into operation on 30 June 2025. It is intended to protect reasonable access to ATMs and cash services and to preserve the resilience of the country’s cash infrastructure. However, it does not create a general legal requirement for every shop, business or service provider to accept cash.Although cash is legal tender, that does not automatically mean every business must accept it in every transaction. A business can generally refuse cash when it clearly tells customers in advance that another form of payment is required. The Central Bank says that where no restriction has been agreed or displayed, legal tender must normally be accepted to settle an existing debt.But should different rules apply to essential public services funded or authorised by the State?Niall asks Senator Sarah O’Reilly whether cash acceptance should now be placed on a statutory footing, whether the Government’s policy is being ignored and whether refusing cash is excluding some of the most vulnerable people in society.Should customers always have the right to choose between cash and card? Is refusing cash genuinely more efficient, or is it forcing people into a financial system that can monitor every purchase they make? And when the next major power cut, banking outage or worldwide technology failure occurs, will Ireland regret allowing cash to disappear?