The government has set out proposals to protect the future of the UK's cash system and ensure that people have easy to access to cash when they need it.
Here, we explain the government's proposals and why Which? is campaigning for the government to protect access to cash now and in the future.
He quickly began talks with the industry and regulators, including the Bank of England, the Financial Conduct Authority (FCA) and the Payment Systems Regulator.
The first of this group's proposals would see cashback offered at local shops of all sizes, without the need for customers to purchase anything. This has previously been prohibited under EU law but, if approved, could come into force when the Brexit transition period ends on 31 December.
It's also proposing to give the FCA overall responsibility for the UK's retail cash system, ensuring individuals, as well as small and medium-sized businesses, can benefit from the cash system.
The government will seek views on its proposals for the next six weeks, after which point new rules may be introduced.
Our research shows that many people are still reliant on cash, whether that's because they can't use mobile or internet banking, or their local retailers only accept cash.
Those over the age of 65 and vulnerable people are the most likely to need to use cash - and, particularly during the pandemic, it has proved a vital way of being able to pay people for help such as picking up groceries if they can't get to the shops themselves.
Which? is therefore calling on the government to find a way for people who rely on cash, some of whom don't have a bank card, to pay for essentials.
Gareth Shaw, head of money at Which?, said: 'The government made a commitment to protect access to cash in the last Budget, so it's positive it is now taking steps towards legislation, of which cashback without purchase is one part.
'We are strongly supportive of the FCA taking responsibility for protecting cash, as current oversight of the cash system is fragmented with no one body accountable.
'While legislation protecting access is key, it risks being undermined if people can't spend cash on the things they need. In its new role, the FCA should also look at the problem of cash acceptance.'
As time goes on, an increasing number of people will find it more difficult to access a nearby bank branch - but there are things you can do.
Second, you can also carry out some basic banking tasks at the Post Office, such as depositing or withdrawing cash. Many banks now allow you to pay in cheques to the Post Office, or virtually via your mobile phone.