The equipment...
So firstly what phone do I have? I have a Samsung Galaxy S7 running Android Nougat. The first thing I then needed to do was configure Android Pay which was actually very easy, I added my bank card and then proceed afterward to add my "Loyalty Cards" which again was very easy. As with all of us, I had quite a few Loyalty Cards to add (Co-op, Tesco, Holland & Barrett, Game) and the process was very easy to do with just a snap of the camera on the phone Android Pay added the cards (with the exception of Game, I had to add that one manually).
So I said goodbye to my wallet and the experiment began and as an extra precaution, I took with me a bank card, some ID, and an emergency £10. It felt strange at first not having a wallet on me, I was forever padding down my pockets to check if it was there only to remember what I was doing.
The experiment was going well so far, it was lunch time at work and I took a trip down to the Co-op. I grabbed what I wanted and when I got to the checkout presented my phone for the cashier to scan my membership card (Success!), then came the payment bit, I presented my phone to the payment terminal and a picture of my bank card and a green tick appeared on my phone to show the transaction had gone through (Success number two!). It appeared that the experiment was going according to plan but time will tell, the real test was going to be at the weekend when I would be taking a trip to Aberdeen.
Aberdeen....
So firstly I decided to take the train to Aberdeen was going to be just as long as driving but no driving (definitely a bonus!). I went to book my tickets on thetrainline.com and came up to my first hurdle, no digital train tickets...Ah! It had appeared that ScotRail hadn't quite got to implementing that system yet so had no choice but to do it the old-fashioned way and used my bank card to pay for the tickets and picked them up from the train station.
The journey....
The journey to Aberdeen was flawless and needed to catch a bus to my destination, next hurdle buying a bus ticket and appeared that StageCoach hadn't implemented tap and pay yet so had to use the emergency cash. The rest of my trip went without a hitch and decided to have lunch at Debenhams (could guarantee the Gluten Freeness there) so paid for lunch for myself, mum and daughter which all came to less than £30 and paid with my phone, result! The rest of the trip went fine without a problem on the journey home.
The rest of the experiment.....
So paying for small purchases definitely wasn't an issue using the phone, however, there was an issue when paying for the big stuff. I decided to do the weekly shop at Morrisons and the shop went over £30, no tap and pay and no Android Pay, so the bank card came out and had to pay the old fashioned way. However, when it came to paying for fuel at the Morrisons petrol station I kept my limit to £30 and tapped away.
Conclusion
Not having a wallet is possible but you must be prepared for some limitations and conditions and they are:
- Tap and Pay payments are limited to £30
- Using Android Pay will allow you to go over £30
- Android Pay is more secure than using your card as it uses a Virtual Account Number instead of your real one.
- Always make sure you have alternative payment on you, nothing more embarrassing than not being able to pay for something.
- Some banks like Natwest and RBS offer the ability to get emergency cash out of the cash machine without the need of a bank card, but you would need access to their banking app on your phone and an internet connection.
- Transport systems, certainly here in Scotland are behind in using digital tickets or tap and pay.
HINT: As an additional piece of advice one of the things that helped me do this is have a phone case that allowed me to carry bank cards.
The first:
This case was a clip on case, it allowed the ability to store a couple of cards in the back or some cash. However if you slid the card to far in then getting them back out again was difficult. It also had a slot in it so that you could use one of those cards as a kick stand, though I found this didn't work as well as advertised.
The second case was a leather bound flip case, this had multiple slots for a card and also protected the phone making it look quite stylish.
Both of these cases were found on Amazon.
I hope you enjoyed reading this blog and hearing about the experiment, I am still only carrying my phone with a bank card as emergencies and my trouser pockets never felt lighter.
Take care
Speak soon
David
xxx







