The Cash Inquiry proposes an obligation to accept cash for essential goods. This means that it shall be possible to pay for these goods, which include food and pharmaceutical products, in cash. It shall also be possible to pay so-called public law fees in cash, such as health care charges, vehicle inspection, passport and driving licence fees. The report proposes a number of conditions for the cash obligation requirements. For instance, it will only apply to manned sales outlets between 06.00 and 20.00, and larger companies with an external audit obligation, which means a turnover of over SEK 3 million per year. However, a consumer shall not be able to demand to pay more than 0.1 per cent of the price base amount per purchase in cash. This corresponds to SEK 5,880 in 2025.

To enable cash recipients to deposit cash into their accounts, the report considers that banks shall offer appropriate and customised overnight deposit and exchange services at reasonable prices. This is in line with the report the Riksbank submitted to the Inquiry – see more in the chapter Are payments in Sweden safe?. In addition, the report proposes that consumers shall also be given the opportunity to deposit banknotes in their accounts. Read about the Riksbank’s views on the Inquiry’s proposals in the chapter The public's ability to pay in times of crisis and states of
heightened alert needs to be strengthened.