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Poll: Has card replaced cash when it comes to spending your earnings?

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Cash withdrawals from current accounts make up just £18.33 for every £100 that people spend, according to a bank's analysis of its customers.

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Halifax, which looked at the extent to which its personal account customers are embracing alternative methods of payment in the digital age, also found that debit card use now accounts for nearly £30 for every £100 spent.

More than £15 in every £100 is being spent using "faster payments", which includes mobile and internet banking.

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This payment method has seen a significant increase over the last year, from £12.42 in every £100 being spent in this way in 2013, Halifax said.

By contrast, cash use has been shrinking. In 2013, cash accounted for £20.15 of every £100 spent.

Meanwhile, direct debits now make up around one fifth (£20.84) of every £100 spent.

Although cheques now account for only around one transaction in every 100, their relatively high value means they still make up £8.14 of every £100 spent, Halifax said.

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Contactless cards, which enable people to pay for low-value items by swiping their card on a reader rather than rummaging through their wallet for cash, and the growth in online and mobile banking are helping to support a move away from cash and cheques.

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Nick Young, head of Halifax current accounts, said: "The trend away from cash is likely to go on as banks innovate and provide customers with more convenient ways to pay for their goods and we continue to see the rise of new, non-traditional entrants into the payments market.

"Consumers now have much more choice regarding payment methods and have adjusted their spending habits accordingly."