Same here in Western EU. And if you can't or won't use Apple Pay, any NFC EMV or Pin + Chip EMV will do. Don't combine automation with manual transactions (the

Same here in Western EU. And if you can't or won't use Apple Pay, any NFC EMV or Pin + Chip EMV will do. Don't combine automation with manual transactions (the direct debit thing), don't put a bunch of value on a thing if you don't have to (both the direct debit thing and the cards) and don't use a credit card or 'overdraft' (or whatever the local equivalent is) features.