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Coins accumulate in our household and I provide the service of turning these into Faster Payments Service transfers into bank accounts. I have just been presented with £68.60 of coins ranging from ten pence to fifty pence in denomination. It is easy enough to bag them for my bank or to use them at self-service kiosks in grocery stores.

It occurs to me that there may be people who would be glad to exchange coins for notes of equivalent value. As a student I would hoard coins for use in communal laundry machines and pool tables in bars and suchlike. I am told that banks charge small retailers a fee for the change for the till. I wonder what a convenient but good way would be for me to turn the coins into notes such that it is positively a win for us both.

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Mark T. B. Carroll

January 2026

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