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Penalties for establishments that refused cash payments

Consumer Affairs imposes first penalties on businesses that do not accept cash

Sep, 2025

The Ministry of Consumer Affairs has imposed the first penalties on businesses that refused cash payments, which is prohibited by the General Law for the Defence of Consumers and Users in 2022 (Royal Legislative Decree 1/2007). Although digital payments are advancing, cash remains the most widely used means of payment in Spain, accounting for 57% of transactions in 2024. The measure seeks to protect consumers and prevent financial exclusion, following the example of other countries such as Australia.

Social and financial inclusion

Financial inclusion: access to banking services

Jun, 2025

Miguel Martínez, 66, never imagined that on the day he retired, he would be surprised to see an ATM installed right next to his house.
‘I won't have to travel to nearby towns to withdraw money every month anymore, like we used to do.’
‘It's a very ageing village and every month we had to accompany several elderly people to neighbouring villages to collect their pensions or pay bills.’

Protection and promotion of cash

The International Currency Association (ICA) presents a series of recommendations for the protection and promotion of cash

Feb, 2024

(ICA) presented a white paper in which it recalled the importance of cash, warned about the existing threats to its availability and use and proposed a series of recommendations for its protection and promotion.

These proposals were based on eight key questions ↓↓↓

The European Central Bank confirms it is working on developing a digital currency or euro.

The digital euro

Feb, 2023

This past November 7th, the president of the European Central Bank, Christine Lagarde, stated that “the basic principles of the design of the digital euro” are progressing “satisfactorily” and that the eurozone is at a stage that is “relatively advanced in the exploration of a digital currency of the central bank”. This digital currency would be public money synthesized into an electronic format and available for use by any person, business, or institution. In principle, it would be designed to coexist and have the same value and stability as the common physical currency.

The level of financial knowledge of adult Americans falls 14% since 2009.

The National Financial Capability Study (NFCS) produced by the FINRA Investor Education Foundation in the United States. (FINRA is the Financial Industry Regulatory Authority).

Nov, 2022

The Financial Industry Regulatory Authority of the United States (FINRA), in collaboration with the University of Montana and the IZA Institute of Labor Economics recently published a report in which it analyzes the evolution of financial knowledge among American adults in the years 2009-2021. The main conclusion of the report is that these financial skills have been constantly declining in the last few years, especially among young adults up to the age of 39. On the positive side there is at least a recognition of these shortcomings, which opens the door to formative campaigns.

Sólo el 20% de los encuestados afirma tener total o "un nivel muy alto" de confianza en las carteras digitales.

La mayoría de los británicos todavía se sienten más cómodos pagando en efectivo o con tarjeta que con otros métodos de pago digitales

Aug, 2022

Más de una década después de la revolución digital, la mayoría de los británicos todavía se sienten más cómodos pagando en efectivo o con tarjeta que con otros métodos digitales como el monedero electrónico. Además, solo una quinta parte afirma tener un nivel de confianza alto en estas nuevas herramientas. Estas son algunas de las conclusiones que revela un estudio de la compañía británica Transact Payments.

Jornada Plataforma Denaria

El acceso al efectivo, un derecho universal y barrera frente a la exclusión financiera

Jun, 2022

Coincidiendo con la entrada en vigor de la reforma de la Ley General para la defensa de los Consumidores y Usuarios incluida en el Real Decreto-Ley 24/2021, que impide desde el pasado 28 de mayo la negativa de cualquier establecimiento a aceptar pagos en metálico, la Plataforma Denaria celebró la jornada ‘El acceso al efectivo, un derecho universal y barrera frente a la exclusión financiera’, en el salón de actos de la Asociación de la Prensa de Madrid.

+79 % de los mayores de 65 años considera fundamental el dinero en efectivo

Diputaciones y gobiernos regionales toman medidas para asegurar el acceso al efectivo

Apr, 2022

Diferentes administraciones públicas toman partido en la implantación de medidas que fomenten la presencia de cajeros automáticos en aquellas zonas donde están desapareciendo

1,4 millones de personas, en riesgo de exclusión financiera por falta de acceso al efectivo

Informe Consumidores vulnerables. Servicios financieros en el mundo rural - Informe OCU

Mar, 2022

Un estudio de la OCU sobre los servicios financieros en el mundo rural pone de manifiesto la necesidad de que administraciones públicas y entidades bancarias establezcan soluciones físicas para evitar la exclusión financiera y garantizar el acceso al efectivo a los consumidores, especialmente a los más vulnerables.

Efectivo
inclusivo, eficiente y sostenible

Informe del Grupo de Trabajo ERPB sobre el acceso y la aceptación del efectivo - Consejo Europeo de Pagos Minoristas (ERPB)

Jan, 2022

El Consejo de Pagos Minoristas del Euro (ERPB) insta a revisar la evolución del efectivo para que siga siendo un medio de pago inclusivo, eficiente y sostenible para los consumidores.

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From the denaria platform we want to gather all the voices, organizations, associations, public or private entities that want to join the movement in the Cash defense.

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