Cash in England: What Every Traveller Should Know

If you’re heading to England and plan to use cash, you’ll want a clear game‑plan. England still has plenty of places that love cash – market stalls, small cafés, and some rural pubs. But the UK also leans heavily on cards, so knowing when to pull out your notes can save you time and money.

Where Cash Still Rules

First, think about where cash is most useful. Local markets like Borough Market in London, the weekend stalls in Manchester, or the fish‑and‑chip shops in coastal towns often give a cash‑only discount. Even if they accept cards, you’ll sometimes see a lower price if you pay with cash because the merchant avoids card fees.

Another sweet spot is public transport in some regions. While most big cities use contactless cards or mobile pay, smaller bus services in the countryside still hand out paper tickets for cash. Carry a few pounds for these moments – it keeps you moving without hunting for a card reader.

Getting Cash Without Losing Money

ATMs are everywhere, but not all of them are free. Look for machines that belong to the “Free‑to‑Use” network – they’re usually marked with a blue and white logo. Bank‑owned ATMs (Barclays, NatWest, Lloyds, HSBC) often let you withdraw without a fee if you’re using a UK bank card. If you have an overseas card, use an ATM that offers a “no surcharge” option; you’ll still pay your home bank’s exchange rate but avoid the extra 2‑3% markup.

Before you travel, check with your bank about overseas withdrawal fees. Some banks waive them if you meet a certain balance or if you use a premium account. A quick phone call can turn a costly surprise into a free cash‑pull.

When you do need cash, ask for the amount you’ll actually spend. English banks usually give the smallest notes (5p, 10p, 20p, £1) and larger ones (£10, £20, £50). Getting a mix of denominations saves you trips back to the ATM and makes tipping easier.

Staying Safe with Cash

Keep cash in two places – a wallet for daily spend and a hidden pouch for emergency funds. If you’re staying in a hostel or a budget hotel, use a small lockbox if one’s provided. Avoid flashing large amounts in public; it attracts unwanted attention.

If you lose cash, there’s no way to block it like a card, so the best defense is not carrying more than you need for the day. A practical rule is: bring enough for meals, transport, and a little extra for souvenirs, then top up at a reputable ATM the next morning.

Remember that most retailers accept contactless payments up to £45 per transaction, which covers many everyday purchases. Use your card for big spends – hotels, car hires, and online bookings – and keep cash for the small, local experiences that make a trip feel authentic.

Bottom line: cash in England is still handy, especially in markets and tiny towns. Grab cash from free‑to‑use ATMs, keep a sensible mix of notes, and split your money between daily and emergency pockets. With these simple steps, you’ll avoid fees, stay safe, and enjoy the freedom of paying the old‑fashioned way when it matters most.