The county administrative boards are tasked with monitoring and assessing access to basic payment services. These include payment intermediation, such as bill payments, as well as cash withdrawals and daily cash deposits into bank accounts for traders and associations. In the 2024 monitoring report, 15 out of 21 county administrative boards consider that access to retail payment services is not satisfactory. This is the same number as in 2023. No county administrative board considers access to basic payment services for the elderly and people with disabilities to be satisfactory. This picture is also confirmed in the report produced by Ramboll on behalf of PTS. The Ramboll report analyses the need for basic payment services, with a focus on paying bills.

The county administrative boards' mission is based on the objective of ensuring that everyone in society has access to basic payment services at reasonable prices, as decided by the Riksdag in 2007. However, the payments market has undergone major changes since then and today, for example, access to payment cards and Swish could be considered as at least as basic payment services as the existing ones. Betalningsutredningen proposed that the target should be changed to better reflect current needs and conditions and focus on the ability of everyone to make their payments, rather than on certain specific services. The report also argued that a new target formulation would give public actors such as county administrative boards and PTS greater opportunity to take appropriate measures. In the Riksbank's consultation response to the inquiry, support was expressed for this proposal.

However, there is still a need for the payment services covered by the current target, such as over-the-counter bill payments and the possibility of depositing daily takings into accounts for companies and associations. According to the county administrative boards, it is not possible to pay a bill in cash in many parts of the country. As mentioned in the chapter Are payments in Sweden safe?, there are also currently some problems and vulnerabilities in the ability to deposit overnight cash.