A recent survey reveals that 50% of British adults still carry physical wallets, while many opt for mobile phones and smartwatches to transport their payment cards.

Digital wallets like Apple Pay and Google Pay have become the go-to payment methods for Generation Z and Millennials. In contrast, many individuals over 44 continue to depend on traditional debit and credit cards.

Four readers have shared their insights about wallets.

‘Not needed’

“It used to overwhelm me,” shares Alosh K. Jose from Newcastle upon Tyne. “Bringing it everywhere has become increasingly unnecessary.”

Josue states that the shift to online and contactless payments post-Covid means he doesn’t need a wallet. “All my bank cards are on my phone,” says the 31-year-old, who operates a business that provides local cricket sessions.

Despite being caught on a Spanish train during a widespread blackout that hit parts of Europe last April, Jose felt financially okay without too much cash.

“My fiancé and I traveled from Barcelona to Madrid, waiting five hours on the train before disembarking. [£8.70] Luckily, a few people shared cash with us, allowing us to catch the bus,” he recounts.

“If something similar were to happen in Newcastle, I’d be fine. There’s no language barrier even without physical cash.”

“I don’t want to risk my sensitive information being misused.”

In Buckinghamshire, Roger, a retired IT professional, maintains both a wallet and a coin pouch. “Putting all my cards on my smartphone feels like risking everything at once,” he mentions.

At 69 years old, he prefers having physical cards on hand and feels vulnerable when taking out his phone. “Using it to pay at a store feels risky, and I worry about dropping it too often.”

“Having worked in security, I’m aware of the risks associated with personal information. I don’t want that window of potential misuse to be left open by using a digital wallet.”

Among his wallet’s contents, Roger holds cash, payment cards, reward cards, and even a snippet of a Times article from the 1980s.

“I prefer using physical cards – it’s about control.”

At 26, Georgina is astonished that many don’t have a wallet. “I always carry mine because I prefer to possess physical items instead of just digital equivalents,” she explains.

Her wallet includes a debit card, driver’s license, train cards, supermarket loyalty cards, and even £20 in emergency cash, along with an “overused business card from a taxi service.”

As a member of Gen Z, Georgina, living in Leeds and developing online technology training courses, resists the trend of digital wallets.

“Call me old-fashioned, but I despise that idea,” she remarks. “Most of my friends use their phones to pay, and while I acknowledge it’s convenient—

“I cherish tangible things like cards and even nostalgic items like paper concert tickets. I prefer not to be overly reliant on my phone; it’s about having control. I used to worry about carrying my card, but now I find myself asking if I have cash.”

‘My wallet is essentially a generous phone case.’

Sarah Hayward, a 61-year-old artist from Worcester, mentions that her wallet has become “a generous phone case.”

Before getting her first smartphone during the pandemic, Hayward carried a wallet that was “double the size” of her current phone case. As an artist, she has often carried a digital camera. Now, her phone case has become a combination of all of her essentials.

“I carry bank cards, taxi cards from the airport, supermarket loyalty cards, season tickets from a local majestic home garden, annual travel insurance details, GHIC cards, my polaroid snapshots, and memories of my children with their partners from a recent Moroccan wedding, along with self-employment receipts and emergency cash.

“My phone also contains a video of my mother from four years ago before she passed away. It’s like a living wallet that has her presence in it.”

Hayward avoids digital payments as she finds physical cards much more “secure.” However, she acknowledges a downside to her preferred method: “There’s no space for lipstick and tissues.”