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I am still carrying around cash machine cards for several banks. It is a habit – a hangover from all those years when one bank’s card would not work in another bank’s machine. And then when it would, one or other bank would try to charge you a fee for using the ‘wrong’ machine.

What was all that about anyway? The banks used to say it cost them money to run the machines and it was a benefit they only wanted to offer their customers – understandable if there was any differentiation with that offer in comparison with any other bank. But no-one chooses a bank because it offers a ‘hole in the wall’ machine.

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