At the end of 2024, an inquiry at the Ministry of Finance submitted proposalsfor measures to secure the possibility of paying by cash and access to cash services (the inquiry is described in more detail in the chapter Many small retail businesses have stopped accepting cash). In September 2024, the Riksbank sent a written communication to the Ministry of Finance with proposals for measures aimed at ensuring that companies and public sector entities that accept cash have access to daily takings and petty cash services. If companies and public authorities are forced to accept cash, as proposed by the inquiry, they must have access to these services.

There is already a legal requirement for some banks to ensure that companies can deposit daily takings to an adequate extent. The requirement currently also applies to foundations and sole traders but not to private individuals or public-sector entities. According to the Riksbank, the legal requirement needs to be tightened and clarified as the services offered by banks are inadequate. They have chosen to fulfil these requirements by providing deposit machines with limits that are too low for many business operators.

The Riksbank also wants banks to be obliged to offer corporate customers the opportunity to withdraw small sums of money in the form of petty cash. This service has deteriorated significantly as more and more banks have closed their manual cash services.

The Riksbank therefore welcomes the fact that the Cash Inquiry has presented proposals that are well in line with the Riksbank's written communication on increasing the responsibility of the major banks for daily takings and petty cash services. In order to maintain the cash infrastructure in Sweden and for cash to continue to function as a means of payment, the Riksdag and the Government should, following a consultation process, implement the measures proposed by the Cash Inquiry regarding compulsory cash payments for certain payees, as well as measures to safeguard the cash infrastructure.