{"id":17707,"date":"2025-11-24T10:30:35","date_gmt":"2025-11-24T09:30:35","guid":{"rendered":"https:\/\/www.plataformadenaria.com\/2025\/11\/24\/el-efectivo-el-metodo-de-pago-mas-utilizado-por-las-rentas-bajas-el-52-de-los-espanoles-que-cobran-menos-de-1-200-euros-lo-prefiere\/"},"modified":"2025-12-19T10:34:13","modified_gmt":"2025-12-19T09:34:13","slug":"cash-the-most-widely-used-payment-method-among-low-income-earners-52-of-spaniards-earning-less-than-e1200-prefer-it","status":"publish","type":"post","link":"https:\/\/www.plataformadenaria.com\/en\/2025\/11\/24\/cash-the-most-widely-used-payment-method-among-low-income-earners-52-of-spaniards-earning-less-than-e1200-prefer-it\/","title":{"rendered":"Cash, the most widely used payment method among low-income earners: 52% of Spaniards earning less than \u20ac1,200 prefer it."},"content":{"rendered":"

El efectivo es el m\u00e9todo de pago preferido entre las rentas m\u00e1s bajas. El 52% de los espa\u00f1oles que cobran menos de 1.200 euros<\/strong> lo prefiere frente a las tarjetas de cr\u00e9dito u otras plataformas digitales.<\/p>\n

As\u00ed lo revela el V Bar\u00f3metro sobre la necesidad de de permanencia del Dinero en Efectivo presentado este lunes por Gad3 y Denaria, donde se han estudiado las tendencias de pago entre los espa\u00f1oles.<\/p>\n

Aunque el modo m\u00e1s utilizado siga siendo la tarjeta de cr\u00e9dito o d\u00e9bito<\/strong>, con m\u00e1s de un 50%, el dinero en efectivo ocupa la segunda posici\u00f3n con el 30%. Los medios digitales, como los tel\u00e9fonos o Bizum, ocupan todav\u00eda un car\u00e1cter m\u00e1s residual, con un 11% y un 6%, respectivamente.<\/p>\n

Como demuestra el informe, \"es imposible que las sociedades modernas puedan vivir exclusivamente de las tecnolog\u00edas\". Esto se demuestra entre los encuestados, pues ocho de cada diez usuarios considera que el dinero en met\u00e1lico es una v\u00eda necesaria, aunque no necesariamente lo usen en su d\u00eda a d\u00eda.<\/p>\n

Adem\u00e1s, s\u00f3lo un 13% est\u00e1 a favor de que el efectivo llegue a desaparecer de aqu\u00ed a los pr\u00f3ximos a\u00f1os.<\/strong> Un 93%, en cambio, quiere que este m\u00e9todo de pago siga garantizado y una proporci\u00f3n similar, el 88%, reclama lo mismo para las tarjetas de cr\u00e9dito o d\u00e9bito.<\/p>\n

Pese a esta percepci\u00f3n, cada vez es m\u00e1s dif\u00edcil acceder al efectivo. Seis de cada diez consideran que su uso se ha visto dificultado durante los \u00faltimos a\u00f1os.<\/p>\n

M\u00e9todo de pago m\u00e1s utilizadoGAD3 \/ Denaria<\/p>\n

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\"https:\/\/fotografias-2.larazon.es\/clipping\/cmsimages01\/2025\/11\/24\/BE8BD796-95EC-4C20-946E-F024D6BEA6AC\/metodo-pago-mas-utilizado_58.jpg?crop=802,455,x0,y0&width=1000&height=567&optimize=high&format=webply\"<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

El principal motivo es el cierre de oficinas bancarias y cajeros, que afecta negativamente a un 52% de los entrevistados. \"Si dejas a los sitios m\u00e1s peque\u00f1os sin acceso al efectivo, matas la econom\u00eda de ese lugar\", ha asegurado Narciso Michavila, presidente de Denaria, durante la presentaci\u00f3n de los datos.<\/p>\n

Otra dificultad a la que se enfrentan d\u00eda a d\u00eda los ciudadanos es la prohibici\u00f3n o imposibilidad de hacer transacciones con dinero en efectivo por encima de los 1000 euros siendo espa\u00f1ol.<\/strong> Casi la mitad de los espa\u00f1oles lo considera un impedimento en sus pagos.<\/p>\n

Frente a las tarjetas de cr\u00e9dito, el dinero en met\u00e1lico presenta algunas ventajas. La privacidad es la principal, pues es imposible conocer qu\u00e9 se est\u00e1 consumiendo, d\u00f3nde y cu\u00e1les son los h\u00e1bitos de consumo de los clientes.<\/p>\n

Adem\u00e1s, entre sus fortalezas tambi\u00e9n se encuentra su seguridad ante el fraude<\/strong>, pues no se puede incurrir en algunas de las nuevas estafas digitales, o su uso m\u00e1s democr\u00e1tico.<\/p>\n

En cambio, \"a un 82% de los usuarios le preocupa la difusi\u00f3n de sus datos personales con los pagos digitales, mientras que un 77% teme que otros conozcan el dinero que tienen en sus cuentas bancarias\".<\/p>\n

El efectivo en el apag\u00f3n<\/h3>\n

Aunque pudiese parecer al contrario, la percepci\u00f3n del efectivo no se ha visto contaminada por el apag\u00f3n que tuvo lugar en toda Espa\u00f1a en abril. Un 15% lo considera el recurso m\u00e1s importante de ese d\u00eda, muy por debajo de los alimentos b\u00e1sicos, que superan el 60%.<\/p>\n

Tan solo \"un 35% de los espa\u00f1oles guarda ahora algo m\u00e1s de efectivo en sus casas por miedo a una r\u00e9plica o un imprevisto similar\".<\/strong><\/p>\n

Esa cifra aumenta algo m\u00e1s cuando se trata de los m\u00e1s j\u00f3venes, pues entre ellos casi la mitad se ha dado cuenta de la necesidad de contar con algo de dinero guardado para situaciones de crisis.<\/p>\n

Fuente: La Razon<\/strong><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

El efectivo es el m\u00e9todo de pago preferido entre las rentas m\u00e1s bajas. El 52% de los espa\u00f1oles que cobran menos de 1.200 euros lo prefiere frente a las tarjetas de cr\u00e9dito u otras plataformas digitales. As\u00ed lo revela el V Bar\u00f3metro sobre la necesidad de de permanencia del Dinero en Efectivo presentado este lunes […]<\/p>\n","protected":false},"author":3,"featured_media":2229,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-17707","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-denaria-in-the-media"],"yoast_head":"\nCash, the most widely used payment method among low-income earners: 52% of Spaniards earning less than \u20ac1,200 prefer it. - Denaria<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.plataformadenaria.com\/en\/2025\/11\/24\/cash-the-most-widely-used-payment-method-among-low-income-earners-52-of-spaniards-earning-less-than-e1200-prefer-it\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cash, the most widely used payment method among low-income earners: 52% of Spaniards earning less than \u20ac1,200 prefer it. - Denaria\" \/>\n<meta property=\"og:description\" content=\"El efectivo es el m\u00e9todo de pago preferido entre las rentas m\u00e1s bajas. 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