The flow of cash
This page describes the flow of cash in society from the moment it is produced, is in circulation and until it is destroyed. The Riksbank does not decide on how much cash is used in society, instead this is determined by demand from the public. In 2024, the average value of banknotes and coins in circulation was SEK 57 billion.
The Riksbank distributes cash to banks, bank-owned companies and cash-in-transit (CIT) companies via cash management offices in Märsta, Jönköping, Malmö and Umeå. There is also a backup office in Falun.
Acting together, the five largest banks have formed Bankomat AB to provide cash to society. When cash is needed in society, Bankomat AB or the cash-in-transit company Loomis Sverige AB collects it from the Riksbank for further transportation into the community. Via ATMs, bank accounts and retailers, the public then have access to cash.
When the cash is worn out, it is returned to the Riksbank via Bankomat AB and Loomis Sverige AB for destruction.
The Riksbank formed the Cash Management Advisory Board in 2006. The Cash Management Advisory Board has been a forum for discussing issues to do with cash management in society. At the end of 2024, the Board became instead a sub-committee of the Payments Council, as the issues addressed in the Cash Management Advisory Board are often linked to both the payments market as a whole and what is discussed within the Payments Council.
The infrastructure for cash is based on cooperation between private and public actors
The flow of cash in society begins and ends with the Riksbank, which is responsible for both issuing cash and destroying it when it is worn out. Cash-in-transit companies ensure that cash is transported to banks, ATMs and retail outlets where the public can access it.
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