Most Australians do not want cash to vanish despite coronavirus speeding up the trend towards a cashless society.
A survey for Tasmanian-based MyState Bank suggested about 70 per cent of Australians wanted cash retained.
MyState Bank said the research showed the pandemic and concerns about health risks had accelerated a shift to what it described as a "less cash" society.
It found 68 per cent of Australians were using less cash since the outbreak.
Instead, they were increasingly turning to contactless technologies and other forms of digital payment.
The bank said ATM withdrawals from its network fell by 32 per cent in the past year, and that had increased quickly in recent months.
MyState chief executive and managing director Melos Sulicich said a shift to a "less cash" society increased convenience and security for consumers and businesses.
"Our research indicates that, as a nation, we are not ready for cash to be banished completely," Mr Sulicich said.
"It is important for banks to support those who may struggle with the transition to a predominantly digital model, as not all Australians have the means to eliminate cash.
"There are people in our society which would struggle in a cashless society, such as the elderly, the homeless population and those with disabilities."
Young Wynyard woman Neve Collins mostly uses cards, but also banks online and usually has some cash.
She said coins were useful for parking.
Ms Collins said a shift to a cashless society would not bother her.
"I have a sister who's busking," she said.
"She would have to adapt."
Ms Collins said she was not a huge user of ATMs.
MyState Bank's tips to help people in the "less cash" environment included:
- moving from credit cards to debit cards, so people could only spend money they had;
- monitoring online spending;
- talking to their bank about "bucketing" money in different accounts, such as accounts for household bills, day-to-day spending, emergency savings and holiday savings; and
- talking to their bank "if it feels overwhelming".