In some countries, initiatives have been taken in the form of regulations or voluntary agreements to strengthen the public's ability to pay with and gain access to cash.

The possibility to pay with cash is already regulated in Norway and Denmark. There, traders are obliged, with certain exceptions, to accept cash payments. Similar requirements are being considered for euro cash payments in the euro area.

Access to cash services is also under discussion, or has been regulated, in several countries. In Norway, banks are obliged to allow customers to make deposits and withdrawals in cash, in accordance with customers' expectations and needs. Under a bill proposed by the Dutch Ministry of Finance, banks in the Netherlands shall maintain a basic infrastructure for cash withdrawals and deposits throughout the country.

In the United Kingdom, the Financial Conduct Authority has proposed that a number of designated banks assess the availability of cash, taking into account the conditions in the area – for example, the demographic composition. If banks recognise the need for cash, they should offer it. Banks are also not allowed to close bank branches that handle cash without first replacing them with other cash services.

In Australia, the Australian Bankers' Association, banks and retailers have agreed on a support package for the country's only cash-in-transit company, which had previously conducted operations that were not financially sustainable. The support package represents a commitment by the parties to develop a long-term and sustainable solution for the cash-in-transit operations.