The Riksbank’s recommendations

Published: 12 March 2026

This table provides an overview of all the measures the Riksbank considers most important to ensure that everyone can pay, to make the payment market even safer and more resilient and to ensure that it continues to develop with more payment alternatives. The table also shows who the recommendation is addressed to and whether it is new or updated from previous years’ recommendations.

Everyone must be able to pay
	Recipient	New or updated recommendation
There must be payment methods for everyone	Riksdag, Government and banks	Updated
Access to cash services needs to be improved	Riksdag and Government	Updated

The payment market needs to become even more secure
	Recipient	New or updated recommendation
A limit of SEK 10,000 should be introduced for cash purchases in the retail sector	Riksdag and Government	Updated
Households should have multiple payment methods so that they canpay in the event of disruptions, for example SEK 1,000 in cash per adult	The general public	New
The possibility to pay offline should be extended	Banks and other payment service providers	Updated

More new options needed in the payments market
	Recipient	New or updated recommendation
Payment service providers should offer more services for instant payments	Banks and other payment service providers	Updated
Payments between countries need to be cheaper and faster	Banks and other payment service providers	Updated
Recommendation for Riksdag and Government to set up a study on an e-krona	Riksdag and Government	New