I used to just have a silicon case around my phone, with the banking card clamped between it and the phone: functionally the same, without any technical dependencies.
this post was submitted on 23 Aug 2026
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Question: what's the big advantage of using these over your devit card or cash?
Only advantage i can think is losing your wallet with all your cards inside and cash. Otherwise I agree with you there isnt a whole lot of differences
Conversely you can also get locked out of your Google account and lose access to your Google Wallet and everything else it encompasses.
I just went back to my actual cards
I'm starting to go back to actual cash
That's my next step
I’m too disorganized to have ever stopped.
Yeah, that and I was already wary of Google by the time using your phone to pay was a thing and it was an even bigger "fuck no" than when they and MS wanted me to hand over my files for them to store instead of using the perfectly good storage I have at home.
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Maybe FossWallet
Its based on a github thay ksts the following.
Android App to view Passes (e.g. event tickets, coupons, loyalty cards, boarding passes, ...). Displays esPass (.esPass) & Passbook (.pkpass) files.
So its more for tickets than banking.
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It's not open source and not ready yet, but seems interesting. https://walt.is/
Looks clean and seems to aim for privacy
I have a magnetic card holder that goes on the back of my phone case. It holds my debit card, credit card, and my ID. I always have my phone, so I always have my payment methods. I do also have Garmin, but I think I used it once a couple years back. It's just as easy to slide my CC out of my phone case.
Can the magnet ruin cards?
Most terminals these days use the card's NFC function, which can't be ruined by some measly magnet.
It should be safe.
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Magnet stripes arent used in europe, you can disable it in the ebanking, as it is very insecure (the pin is stored in the magnetstrip itself)
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Curve Pay
Curve pay is what I use as well on Graphene OS. A shame we "have" to use yet another third-party company, but it will do until better alternative comes up.
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Banks in the EU finally have "instant SEPA wire transfer". But the process of getting payment details and authorizing the money transfer is still super clunky.
I really want all payment processors gone. There is no reason why we pay a 3% tax online. Well maybe for security with like ebay. But most ordering with shops, just have some system to easily pay with free online banking transfer. Banks are sleeping on the job. It's the only reason why those assholes got rich off of paypal.
There's wero to easily do instant payments. It should be deployed more and more widely. Hopefully.
Dude I'm probably an outlier here, but I closed several accounts (credit cards) and primarily use my debit and cash only.
Why? What's the point of all this available credit? For a made up scoring system that I don't really use? But all those companies get to monetize my usage and data yet keep higher interest rates to double dip. My credit isn't perfect but it'd only need it for a car loan or home and I have an older reliable car and a home so I'm good.
Anyway, I digress. I bought a couple AmEx and MC gift cards for online usage if I need. I don't do Amazon, Temu, etc. It's really no different. I don't use NFC payments, never have so can't help you there. I guess my point to commenting is it's easy to live without all these supposed conveniences. Just because it exists doesn't mean you have to use it.
If you pay off your balance every month, there is no interest accrual. For my wife and I, we put pretty much everything in one card, pay it off, then use those point to fly for free on vacations. It's saved is thousands of dollars on travel that we'd still have gone on, but had to pay for. I have a buddy that plays the system and maximizes points and other CC perks, but that's more work than I'm willing to put into it.
I also understand not wanting to use CCs, so no judgement here, just responding to your, "why".
The downsize here: every local business now has started charging 3% fees for card use vs cash. They don't want to take the hit, which I get, but it'd annoying as it cancels a lot of benefits.
We used to put every monthly utility bill or expense in CC too, for that reason you mentioned. Rack up rewards. But again, the utility companies have caught on and charge fees if it's not ACH.. It's just not worth it anymore.
It's not that they caught on, they used to be barred from charging that fee to customers by the payment processors. At some point in the last few years something changed (a court case I think?) which allows them to pass that on to the customer at the point of sale, so now many low margin places do.
Not sure if this is still the case, but I see some do the reverse to get around the "no extra fees for using a CC" rule: instead of adding fees when using a CC, they set the prices higher by that fee all the time but then offer a discount for cash or debit payments.
Not saying you should use a credit card, but I haven't seen this point made so I'm going to bring it up.
Everything is more expensive because of credit cards. That 2% cash back doesn't come from nowhere, and it isn't (only) sourced from people paying interest on their payments. Every transaction at a store that accepts credit cards is 2-5% more expensive simply because that store accepts credit cards. The credit card company charges a transaction fee when it is used, and the store isn't going to change the price of something based on your payment method. So everyone pays the 2-5% markup.
This is why I personally have credit cards and also why I would support getting rid of them.
Right there with ya. Cash is king when it comes to privacy. Sometimes, I need to visit the atm on grocery day which is a bit inconvenient but I'm willing to make the trade-off.
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Your Google Wallet replacement is the most feared thing by the government of the USA 😂
Some banks (the Volks- & Raiffeisen Banken in Germany for example) offer their own apps with a NFC payment function. It's not as comfortable also Google wallet but it works
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Privacy .com has an app that I think has similar functionality but I haven't used it. Last time I checked you have to get the non-free subscription of privacy .com, which I've been thinking about doing. Privacy .com enables you to create virtual credit cards so you can purchase things semi-anonymously. I'm using GrapheneOS which I think doesn't allow you to use any sort of NFC payments.
I pay with NFC on GrapheneOS. You just need to find an alternative that works for you.
What do you use? I tried stuff like revolut but it just tries to forward to google wallet, which will not work
Hm okay thank you, didn't know that could even technically work, thought it must go through google in any case to work.
Nice that it works, but with those reviews (trustpilot) they will not get any of my money soon, I rather stay with cash.
Yeah, Curve's support is non-existent and it was a ROUGH on-boarding but it now works without issue. I'm satisfied.
They've not got any of my money either, they're just an intermediary and not taking a cut of any transactions. I don't bother with any of the perks and extras if you pay them.
I guess they're making money from me by selling my purchase history?? I'm not too bothered because all the big transactions are done by physical Amex card, which Curve doesn't cater for.
Good to know, I should look into that.
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