Cash usage may be in decline but it looks like being a long, slow demise. One measure of cash usage - ATM withdrawals - shows that consumers are reducing the amount of cash in their wallets at the rate of one to two per cent a year.According to the latest Reserve Bank ATM withdrawal figures, consumers withdrew an average of A$11.7 billion a month from ATMs in 2015 - down 1.7 per cent from 2014, when consumers withdrew an average of $11.9 billion a month.The rate of decline in cash withdrawals from ATMs has been fairly steady. The 2014 monthly average was 1.6 per cent below 2013, when consumers withdrew an average of $12.1 billion a month. In 2012 consumers withdrew an average of $12.4 billion a month, in 2011 they withdrew an average of $12.5 billion a month and in 2010 they withdrew $12.4 billion a month.The number of withdrawals in 2015 fell 5.5 per cent, compared with 2014. The total number of withdrawals in 2015 was 700.8 million, of which 60.6 per cent were at "own" ATMs. In 2014 the total number of withdrawals was 741.5 million, of which 59.4 per cent were at "own" ATMs.