Which cash-free payment method has genuinely changed the way you spend?

A quick double-tap and you're through the ticket gate or out of Pret with a flat white. Leaving the house with just your mobile has never felt so smug.

Still the workhorse of British spending, from Tesco meal deals to a round at the local. Simple, reliable, and no faff.

No more 'I'll get you back next week' excuses after a curry night. A few taps and everyone's square before the pudding arrives.

Handy for a new pair of trainers or that ASOS haul, as long as you actually remember when the payments are due. A modern minefield with genuine appeal.

Still the go-to for online marketplaces and dodgy-looking checkout pages you don't quite trust with your card details. An oldie but a goodie.