Why carry more than I need? I very rarely make special trips to the cash machine, usually I get cash-back at the supermarket, occasionally I use a cash machine I pass by anyway. I use a debit card or online credit transfer to pay for most things, most weeks the only cash I use is to pay for my morning coffee at the café. Abroad, I tend to carry more cash ?because it would be more inconvinient if the ATM failed? I tend to carry more but ?150 is about the limit.[1
[1] Well now Nationwide are as bad as all the others I may have to rethink that.