My traditional bifold from 10 years ago has finally died and I am looking for a new wallet suggestion, what better place to come then OzBargain! What wallet do you guys use and what would you recommend (I typically carry 6-8 cards and a little bit of cash).
What Wallet Do You Guys Use?
LWho is joe on 12/02/2023 - 19:43
Comments
"Kesh is King, my friind! Always kesh"
But if you have to carry cards, use something half decent, like an Eckster wallet
Tip: Avoid linking/using/entering your credit card, bank account, or any form of ID, to a mobile phone. Avoid using insecure devices, apps, web browsers, etc. Especially digital wallets, or apps that collect your IDs and payment information.
Best to design methods of doing business that don't involve having your life tracked by the socials, AIs, corporations, govs, and organised crime more generally, at least, when you can.
Makes no difference if your credit card is in a digital wallet or not. Its still gonna get tracked when you use it… If you don't want to leave a digital footprint, cash is the only option. Digital wallets also don't turn the NFC on until you go to use the card, in stark contrast to traditional credit cards which the NFC is "always on".
Tracking is unavoidable in all situations. But how you use it makes a very big difference to the number of trackers.
NFC, once on, can be tracked by more than the terminal you want to transact with. So turning it on at a place where everyone uses NFC is risky in itself. NFC on your card however can be protected by a shielded wallet, to quite an extent. Not enough to avoid risk when used, however certainly- esp as it comes out each time you use it, i.e. with an NFC terminal, or not.
@resisting the urge: Your card nfc is literally always on. Your phone isn’t responding to requests until you prompt it to, on iPhone you have to unlock and auth first as well. This makes in inherently more secure than traditional bank cards
@djsweet: Yes. But if all you bring to the NFC terminal is a credit card ID, that is all they collect from you with their radio.
Whipping out a phone to do a momentary NFC transaction allows your many other personal IDs to be tracked for subsequent relation; IMEI, MAC IDs, Bluetooth IDs, etc.
… and even exposes your phone to all kinds of phishing and even malicious attacks.
@resisting the urge: Do you have some links I can read up on for what you're saying here?
A mobile is going to give a reader a different UID every time it is scanned. There is no device tracking here that I'm aware of, but I'm happy to be proved wrong.
Having an app installed to send this data upon NFC scan is another matter.
@kongkurr: You really shouldn't look at the authorisation process NFC uses in general, to consider it safe, or fit for use. NFC operates in an environment full of other, unique and unchanging IDs that present in conjunction with it. Even if the transaction itself is secure (which the latest version is only until it is repeatedly broken), it can be recorded for subsequent analysis, and the rest of the data collected useful to a tracker/malicious attacker. Remember that previous versions were considered secure, until proven not to be.
Apps often enable detailed tracking disguised as telemetry and the like. Devices too.
Device tracking generally is rampant at every level, via every identifier you make available via device, and otherwise. At the end of the day, private keys can be lifted from the device in seconds, if the need is great enough, and the law sufficiently allow.
Advertising networks also use device tracking to target ads to users based on their location and other data. Social media apps and other online services use device tracking to gather data about users and serve them with more relevant content. In reality this means making it commercially available (this means sold and published) down to a very personal level (practically both personally and broadly identifiable).
Retailers are increasingly using Bluetooth beacons and Wi-Fi tracking to track customers’ mobile phones as they move through stores. This allows retailers to gain insights into their customers’ shopping habits and behaviours, which can be used to create more personalised experiences and targeted promotions. This tracking allows retailers to see their customers’ in-store shopping journeys, optimise their store layouts and displays for 'maximum engagement'- but also to test and design all kinds of automated strategies to see how consumers behave, and to develop mental states that are more open to suggestion, decision making and spend. In doing this the segmentation and AI employed makes and records educated guesses about the personal lives of the consumers, that are both accurate and highly personal in nature.
There is not much publicly known about the extent to which banks, credit providers, terminal vendors, data agregators, and other third parties in the financial and consumer chains. They are not required to be transparent about how they collect, use, or delete this data, or how they profit from commoditising customers and their data trails.
If you want to know more, take a look at how logistics companies now track and relate every delivery with an order, vendor, buyer, and you will see there are no limits and they are grabbing everything they can, mostly for posterity. They've been one of the slowest industries to begin doing this, as the eCommerce providers didn't wait for them to figure it out before setting up their own supply chains to do it instead. To deliver a single parcel, they collect your transaction info, identity data, phone number, address, and use a device to collect point int time and geo location, sometimes even taking photos in and around your home (usually high value deliveries, but soon to come for even basic letters)
Financial Institutions have been doing all this and much more at scale (and have decades of transactional data on every account holder) that they can trawl through to create a detailed view of each person- and every related ID, movement and potential future movement, purchase, or decision.
@resisting the urge: Your phone is blasting out unique identifiers all the time (unless it has MAC address randomisation, like some do). This has nothing to do with NFC and nothing to do with your card being loaded in Apple Pay or not.
@djsweet: Nothing to do with the NFC or the transaction? All your phones IDs are available to those collecting at the Point of purchase, and on the way in, and the way out, providing a point in time that relates them all in one go, with absolute certainty- as well as the txn, product, vendor, geo lcoation.
@resisting the urge: If you wrap your head in tinfoil, you can also block the Alpha Centaurians from scanning your Frequent flyer points.
@Charmoffensive: So since it can be anyone from anywhere, (not that there are more than enough man-made risks to manage), so you should do take no steps and leave all your doors wide open a night?
I do the same with dead bodies and the trunk of my car.
I keep it in my moob cleavage, Vegas stripper style
I too use Jim's boobs
Plenty of room for everyone
One of these days, I'm gonna motorboat those bad boys.
@Jimothy Wongingtons: Thanks for the warning. Gonna have to hit up Watchnerd on a diving watch first.
@Munki: cant blame ya, i would take a seiko 5 over the SD too if it was a reasonable price. SD has very nice pricing time to time.
How do you find it? I found it a pain in the ass to get the card you wanted and gave up after trying for a few months..
Looks cool. The key holder looks good too
While I quite like mine, the knock offs seemed to have improved the design and are far cheaper. I'm tempted to grab one since my sides are badly scratched up.
Do you have a link to the knock offs? Looking for something similar with the exorbitant price
It was a while ago when I looked into it but I'll have a look in a few days (wife just had kid number 3 a couple of days ago) and I'll add any links that would be a good alternative to ridge.
I’ve never looked for one but you can get knock offs that are good quality from DHgate.
I got this one a few months back, does everything I need and its really easy to find the right card. I just use the fabric part for notes etc.
@chumbucket: I did see that. I don't like having the spring mechanism in the wallet where you are pretty much screwed if it stops working.
My current one is similar except it has a tab to pull the cards from middle section out.
I'm looking for something to spend my ebay $5 off $15 spend on so might just get a spare wallet for fun XD
Found this ridge knockoff for $7.99 which looks nice and a lot cheaper.
I've been using a knock-off version since early 2019 and it's been great. Ridge is a rip-off.
Got a link to the one you bought?
@CodeXD: Yep this is what I have. Only $12.
Here's me holding it IRL. I really like it. It's held up real well.
Ridge is a rip-off
But they need to pay all those influencers to push their product.
wow people actually bought these
I tried all of these types of wallets over time and the one I settled on was Ekster. I like the button function to pop out the cards a lot better than the Ridge.
stick mine in my crotch
wth …
Gives new meaning to the term “getting money out”
Money and money-maker
That's what child support Australia do too.
I don’t any more. Everything is digital. Phone in the pocket and off I go.
I do this when I might want to buy something on the go, but never when I know I'm going to buy something… I find digital payments are still too temperamental, that occasionally the terminal refuses to read without restarting the phone. Bus tap on/tap off seems to be the worst for this.
Literally never had this problem. I am slightly concerned about my phone running out of juice though. That’s never happened either though, and if it did I still have Apple Watch
There are a few EFTPOS that don't like my phone. I keep a bank card on me as backup.
WOW I haven’t carried a wallet for years and rarely have an issue. At least you can tap on/off the bus we are still waiting in WA.
I thought the same. Went to drop my car off for repair and they wouldnt let me take the hire card without a physical credit card….
@dickiee: Oh yeah there are random times. The other one is Crown they have to have a physical credit card 🤦🏽♂️ they said they are changing that last time we went but they should be able to take a deposit using Apple Pay.
I use my phone for every transaction and I've had this problem exactly once in the last few years. If it works after restarting your phone, I think it's most likely a problem with your phone.
howcome? license, medicare arent needed?
All available on app now, well at least in S.A
Hopefully one day Victoria follows suit
at least in S.A
Thats good. Us vic noobs are rotting in old tech.
I hope one day ptv would make transit cards that works with iphones 🤷♂️
how often do you need to carry around your Medicare card? I carry nothing except my phone and then when I visit Dan Murphy’s I try to remember my licence (no digital licence here)
If you do pickup you can use the Digital ID app and show that as proof. It’s allowed in all states but NT.
Edit: timothy187I try to remember my licence
This is why I carry it in wallet. Even the damn costco card. Not that I go there everyday, but sometimes I do if time fits and when it does it’d prefer to have it with me.
Can’t remember the times i’ve been to shopping centre without grocery bags 🤷♂️. Atleast I could fond a cardboard box from shops to bring them back 😂
- license, only when i need to drive, so it's in the car
- medicare, only when i need to see the doctor, but i need to drive to go see them, so it's in the car
aren’t you afraid of an identity theft? if someone breaks in, there goes 2 of your ids
@kaleidoscope: are you afraid, of being mugged and having all your id's on you. ?
been doing this for 20 years never has my car been broken into,
YMMV
you need a car to get to costco. just leave the membeship card in the car, why do you need to carry it day in and day out
same as another store membership card. i drive everywhere so whenever i need them, they are in the car.and for most places i wouldn't want to go there without my car. who wants to carry 6lt engine oil, filters with sponge and bucket on a bus and train. just buy online, and click and collect on the weekend when you are driving.
Medicare card is in the Medicare app.
I used to do this. Then my Google Pay app crashed and wiped all card data while I was out. I keep my wallet around as a backup now.
Do you not need to carry a driver's licence with you when driving ? Asking because I thought that was like a requirement and why I usually carry a wallet in VIC
My phone. That's it. Digital all the way.
No driver's licence?
If you've paired it, you can show your license in the ServiceNSW app.
Not sure if Vic has a similar thing or not
If you pull the phone out to show the police without them asking then they can book you with using the phone as well as no licence. So, wait for them to ask first.
Not sure if Vic has a similar thing or not
Nah, Vic doesn't have it yet.
@bobbified: Only obligated to carry your licence in Victoria when driving if you are:
- learner permit holders
- probationary licence (P1 or P2) holders
- driver licence holders, under the age of 26
- driver licence holders whose licence is subject to an ‘E’, ‘I’ or ‘Z’ condition (includes interstate licence/permit holders who are subject to an ‘I’ condition)
- driver licence holders when driving a vehicle listed below, beyond an 80km radius of the vehicle's normal place of business:
- a bus,
- a heavy vehicle
- a light vehicle towing a heavy trailer
@Munki: Technically you don’t have to show your license, just have to share details.
Showing license just makes it a bit easier. And if they give you fake details, you can use the rego and go to the police about them not supplying details (can be fined in theory).
@tomsco: In theory? In practice, you have nothing. You have a fake phone number and a stolen car/plates.
If you can't get a positive ID, call the cops. Unless you want to pay the excess on an accident that wasn't your fault.
@OZKap: Yep I've been pulled over a few times over the years and never have my licence with me. Used to be they'd grab my name and look me up back in the car but the last time I was pulled over a few months back, they just brought my details up on their phone while standing next to my car. I guess they have an app that does it now.
@bobbified: We really should, it's ridiculous we have a single card we need to have on our person at all times in 2023.
@bobbified: Damn I thought Vic would be in front of WA. We don’t have Digital ID to get into 18+ venues so you have that over us haha
@bobwokeup: We, in Vic, don't have digital ID either. We've got nothing digital. I'm assuming that'll come when digital licences come.
@bobbified: Oh are you sure, I was told the Digital ID app is used everywhere but NT and WA.
I can use that for Aus Post packages and picking up alcohol but can't use it to get into 18+ venues but I don't need it unless it's mandatory.
@bobwokeup: I'm 99.99% sure. I haven't seen or heard of anything to do with digital IDs in Vic. I've been waiting for it.
@bobbified: Check as I contacted Digital ID a few times and they told me they are working on WA but it’s available all other states other than NT. It’s an official government app so you should be able to use it for Aust Post packages and to get into 18+ venues. Like another comment said you could show that to cops and then worst case have to attend a police station to provide an actual copy of your drivers license.
@bobwokeup: My bad! I was thinking you were talking about a a digital ID like a licence, issued by the government. I didn't realise there was a Digital ID app by Australia Post.
That app does seem to be available in VIC. I'll give it a go! Thanks!
@bobbified: Well you can use it to prove you’re over 18 and I’ve also used it to get a police clearance so police should accept it as proof of who you are and they can look you up based on that.
Yeah it’s worth getting as you can also get into licensed venues (it says participating but not sure how to find out which ones aren’t included) and buy alcohol in all states but WA and NT.
I've experienced a situation where I was pulled over (NSW) the cop told me that even though I had a digital license on my phone, I was still obligated to carry around the physical license. I had it on me luckily because he told me that if I didn't, I would have been fined. Not sure if that was true or not but that's what he told me.
Qld still doesn’t have this option and literally the only reason I bring a wallet still smh
I did a course on the weekend with a motorcycle copper and he said you do not need to carry your license in the car anymore if you have an open license. They have everything online on their tablets now so you most likely won't need to take it to the station within 48hrs either.
Here it is in writing
https://www.qld.gov.au/transport/licensing/driver-licensing/….@giftcardinspector: That link says "However, if you hold an open licence and are driving a car or riding a motorcycle, you may be given 48 hours to present your licence at a police station."
So it sounds like the 48hrs thing is at the officer's discretion.
Coming in 12 months :) so I've been told
https://www.qld.gov.au/transport/projects/digital-licence/ab…
During the trial period, you must also have a home address inside one of the trial areas:
Fraser Coast
Townsville.
Put your ID in the back of your phone case if you have one.
I just simply don't carry it. If I get pulled over and they're determined enough to prove who I am, and they're not happy with my rego and digital medicare, then they can order I attend at a cop shop within a specified time and nothing more really. Never happened to date.
Word is VIC will have them by next year anyways.
Digital
I just shove cash in my pockets if I have any. Then when I pull it out I look like a baller / mafia