@bunq#119087 In my opinion a lot of these tips are subject to debate. Many small retailers will refuse card for small transactions, and some merchants such as some cab drivers and hairdressers often only accept cash. The bigger the merchant and the larger the transaction amounts the higher the likelihood of card acceptance. Travel on busses outside London such as First Bus will normally result in a small £0.20 charge that a day or two later is revised to the actual amount. Cards are usually accepted without ID, but for vehicle hire they expect the bank card and ID names to match (which can be awkward if say driver has driving license but no bankcard and passenger wants to pay with their bankcard but has no driving license). Many ATM networks that are not branded by a bank will charge for cash withdrawals but if they do it will warn on screen and allow you to back out before money vended if you not happy with the charge. ATM charges usually vary between £1.50-1.99 and a charge may be dependent on if the card is a Debit or Credit as they have different interchange fees so the operator faces different costs. ATM in richer areas tend to vend £20 and £10 notes. In poorer areas they often vend ££20, £10 and £5 notes as lower denominations are in higher demand. If you receive banknotes issued by the Royal Bank of Scotland, Bank of Scotland, or Clydesdale bank, while readily accepted in Scotland you may face issues in England. Due to many people being unfamiliar with then there is a higher risk of them accepting forgeries, so many smaller retailers will decline non Bank of England notes outside Scotland. Larger retailers in England will often accept them, and even accept the less common Northern Ireland banknotes from Bank of Ireland, Ulster Bank, and Northern Bank/Danske Bank. Whenever possible pay by card as you will minimize the risk of being passed a forged note, and it is safer not to carry much cash, particularly in crowded public places like London's Oxford Street.