Online retailers are expecting today to be the busiest shopping day in history.
Recent years have seen online shopping figures consistently peaking on the first Monday in December, dubbed Mega Monday.
Visa Europe predicts £320m will be spent on its cards alone as online transactions top 6.8 million, an increase of 21% on last year, making December 3 this year the busiest online shopping day in history.
It said: "A combination of pay day for the majority of consumers falling on the last Friday of the month and a weekend spent browsing the shops results in shoppers logging on to buy their gifts online on the subsequent Monday.
"All of these factors will result in consumers spending £222,222 per minute, making 4,722 transactions every 60 seconds."
This month will also see more than £11bn withdrawn from cash machines, equating to more than £41,000 per second in the pre-Christmas peak.
Sainsbury's Bank predicts a 1.3% rise in cash withdrawals compared with December last year, to reach a total of £11.1bn.
Friday December 21 is expected to be the busiest day for cash withdrawals, as it is traditionally when shoppers rush to buy last-minute gifts, while this Monday could give online retailers boosts of up to 70%.
Visa Europe commercial director Dr Steve Perry said: "On Mega Monday, people across the UK will go online and use their Visa cards to make 6.8 million transactions, the most in a single day in UK history. That's 21% more than in 2011, signalling that consumers are becoming increasingly accustomed to the advantages of shopping online for everyday purchases and special items, especially in the lead-up to Christmas."
Amazon.co.uk also predicts Cyber Monday to be its biggest single day, with orders set to peak at 9.20pm.
Christopher North, managing director of Amazon.co.uk, said: "Monday December 3 could be the busiest day in the history of Amazon.co.uk, and we're preparing for it by hiring more than 10,000 seasonal employees across our eight UK fulfilment centres."
Marks & Spencer also said it was prepared for what it expects to be its busiest day of the year.
Online analyst Experian expects UK consumers to make 115 million visits to retail websites on this year's Cyber Monday, an increase of 36% on last year.
The busiest shopping day on the high street often falls two days before Christmas Day, with the weekend of December 22 and 23 expected to draw peak numbers of shoppers this year.
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