Overview

• From 2029 the digital euro will hold the same legal status as cash and must be accepted by large retailers across the EU, with limited exemptions for small businesses and market stalls.
• The mandate aims to bolster Europe’s payment sovereignty by reducing dependence on US networks such as Visa and Mastercard.
• Supermarkets including Edeka and Rewe are advised to plan investments and upgrade their cashier systems and payment terminals by 2030 to comply with new requirements.
• The European Central Bank has classified the digital euro as a strategic priority but legislative delays caused by lobbying have pushed the final rulebook to autumn 2025.
• Industry experts predict the move could lower transaction fees and improve efficiency, though many merchants remain uncertain about the exact costs and technical specifications.