Cash withdrawals from current accounts make up just £18.33 for every £100 that people spend, according to a bank's analysis of its customers.

The survey highlights the extent to which its personal account customers are embracing alternative methods of payment in the digital age, also found that debit card use now accounts for nearly £30 for every £100 spent.

More than £15 in every £100 is being spent using "faster payments", which includes mobile and internet banking. It rose in 2014 from £12.42 in every £100 being spent in this way in 2013, the study for the Halifax said.

By contrast, cash use has been shrinking. In 2013, cash accounted for £20.15 of every £100 spent.

Meanwhile, direct debits now make up around one fifth (£20.84) of every £100 spent.

Although cheques now account for only around one transaction in every 100, their relatively high value means they still make up £8.14 of every £100 spent, Halifax said.