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2w ago

ECB Urges Households to Keep €70–100 in Cash as 72‑Hour Backup

The ECB frames small home cash reserves as a low‑cost safeguard against payment outages.

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Pour la Banque centrale européenne (BCE), chaque foyer doit se constituer par sécurité une réserve d'argent liquide.
La BCE préconise de garder quelques dizaines ou centaines d'euros par personne, en fonction du foyer.
Dans un rapport paru mercredi 24 septembre 2025, la Banque centrale européenne recommande aux citoyens de la zone euros de garder une réserve de cash à la maison.

Overview

  • The study, titled “Keep calm and carry cash,” draws on the Greek debt crisis, the Covid‑19 pandemic, Russia’s 2022 invasion of Ukraine, and the April 2025 Iberian blackout.
  • The guidance suggests about €70–100 per person to cover essentials for roughly three days, echoing advice already used in the Netherlands, Austria, and Finland.
  • During Covid‑19, euro banknote issuance rose by more than €140 billion, issuance jumped about 36% in countries near Ukraine in 2022, and the Iberian blackout briefly made cash the only workable payment method for many.
  • The ECB urges central banks, commercial banks, and authorities to strengthen cash supply chains, maintain strategic reserves, and ensure ATM networks can handle sudden surges.
  • The recommendation is precautionary rather than a mandate and is presented alongside ongoing work on a potential digital euro as everyday cash use declines.