Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

The point I am making is that the Minister is trying to encourage people to use, say, Visa debit cards instead of cash when they are making a small purchase. If a bank charges 20 cent to use that debit card to buy a newspaper for €2, it is 10% of the cost of what they are buying so if they have cash in their pocket they will use that instead of using the debit card because of the cost incurred. If it is a small transaction people will be much more likely to use cash because of the bank charges that apply to automated transactions.