At the end of the year, you pay too many things, maybe they don't put VAT on the bread

and the fees of the bank

Ah, that's true, there's no VAT on it, that's the big difference

Yeah, I think they should pay on the coffee and the hot one, but obviously they can't

The rules are complicated, if it's for takeaway bread, they don't have to

but if they're going to eat something inside, they have to

If it's going to Sunday, which they don't have to

When you're going to Grace, they ask you, are you taking it away or not, and they press it

They put take-out, because you always put take-out, then it's just selling bread

Even pizza, if you take out cold, it's free, there's no VAT

Yeah, and if you eat it in cold, you pay, and if you take it out hot, yeah

But I've also got a feeling that in that area

Yeah

Yeah

, nobody's going to pay cash

No, most of the people

Nobody likes cash down there, they still don't have any

Even my neighbour, when the guy did the patio, she didn't want to pay him cash

He said, he's supposed to do her patio and my patio, and he said, will he pay cash?

I said, I would prefer to pay cash

And the neighbour said, no, I will only value your cheque or bank transfer

Okay, if you do the cash, I'll take £200 off

But still, you know

No, I don't want to

Why?

Because they don't want to go to bank and withdraw some cash

To go to the cash machine, and they aren't, that's it

And they don't want to

They've got £12,000, but what's the point?

They get advice too much, too stupid, I know

So you did mine, and they never did us

Yeah, since COVID, how much money bankers are taking off the businesses just for this

Exactly

Card transactions and stuff

And they're expensive, too expensive

It's ridiculous, yeah

There are new ways you can do pay-by-bank, but you don't always have to put the account number in

It's very popular in Germany, but there's like a QR code on the tip

Some things when you pay, you notice it says pay-by-bank option, you press it

It opens your app, it says the name of who you're paying, you authorise it

And they send the money like a normal bank transfer

But you don't have to type the number on it, you don't have to type the number on it

It's linked through the website of the app that you're buying from

And the same, I've seen it starting a bit here

I think the company

Cutting the cost of the bank card

So you have a QR code in the shop, you scan there, it just opens your bank app and you agree to pay it, and it's done

There's this company called Cardless, I don't know if it's that one

There are lots of, even Striped does it, pay-by-bank

Yeah, I think that's good

To have that, just the kids coming, obviously they have it on their phone

Or you can't do bank transfer, but you can have both options

If you can do something like that, it's the same as the other one

Just say customer, this is less cost for us

Like paying a link with a code basically, you scan it

And it just goes to there, yeah

Even the amount, if it's connected, if you've got a good system

It can be on, where did that go somewhere, yeah, yeah, that was in, I think it was in Hungary

Oh

They all have different

Type of tail, and there's a display for the customer that's like a real little colour screen, but that big

And if you want to put, like in a restaurant bar, if you want to put a tip, it comes on the screen

Do you want to put a tip, and when it's time to pay, you can tap your phone or you can scan the QR code

That comes on there, and it's exactly the amount, everything's ready on your phone

You just press accept, it's Apple Pay, it just reads your face

And no fees, definitely, that way, because it's a bank transfer

You just possibly pay something to the app or

Yeah, like a subscription

Subscription, yeah, but it works it, yeah

So, yeah, by the way, when Tide Bank account app comes on Sahar's mobile, the TLCs come up also

I had an email that says that Sahar has activated the bank, yeah, and deactivated one of them

Deactivated, yeah

Because I think she never

Turned it on, yeah

Put Tide on there

Yeah

And mobile

That one, because yours took ages, it wasn't working

Yeah

But hers probably would have worked

Yeah

Possibly, yeah