Establishment of the digital euro

· A10-0185/2026 · Décision d'engager des négociations interinstitutionnelles

  • The digital euro would be a new, electronic form of money issued by the European Central Bank (ECB) and would work online and offline
  • Privacy safeguards would be built into the digital euro. Transactions would be verified without exposing personal data, which would be processed only to the extent strictly necessary for the system to function
  • Most businesses would be required to accept digital euro. Exceptions would apply to the self-employed and small and micro enterprises that do not accept other digital payments.
  • Basic services, such as opening an account, holding and managing funds, and access to at least one payment instrument, would be free of charge.
  • To protect the financial system, there would be a cap on how many digital euros any individual could hold
  • Banks and payment service providers (PSPs) from non-euro EU countries would be allowed to distribute the digital euro
  • Euro area countries would be obliged to keep cash accessible, businesses would not be allowed to ban cash and member states would need to monitor cash availability regularly, with special attention to vulnerable groups, such as the elderly, low-income individuals, and people without access to the traditional banking system.

For: 416(69 %). Against: 169(28 %). Abstentions: 22(4 %). In total, 607 MEPs voted. 112 MEPs didn’t vote.

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