In the Payments Report 2025, the Riksbank recommended that a maximum amount limit for cash purchases should be introduced to counteract the use of cash for criminal purposes and to make money laundering more difficult. In this year’s report, we reinforce this recommendation and specify an amount of SEK 10,000. The level recommended by the Riksbank would be among the lowest levels introduced so far in the EU, which the Riksbank considers to be reasonable as Sweden also has one of the lowest levels of cash usage in the EU.

Although digital payments are the most common means of payment today, cash still plays an important role in society. Many people rely on cash to buy everyday goods and services. Keeping cash at home is also an important contingency measure. Both the Swedish Civil Defence and Resilience Agency and the Riksbank recommend that the public have access to several payment methods – including cash.

For the Riksbank, it is important that the general public has a high level of confidence in cash. A maximum amount for cash purchases can contribute to this.

The background and assessments are also described in section “The payments market is generally safe but fraud and money laundering are problems”.