DNB conducts research on the payment system. For example, we have projects on the development of banknotes.
The ECB coordinates and finances research and development projects for the production of banknotes. Many projects are executed by public and private institutions. They do so independently or in cooperation with the ECB, DNB and the other central banks of the Eurosystem.
There are projects in the following areas:
- authenticity features of banknotes
- production processes and technology for banknote handling
- technologies to minimise the ecological footprint of cash and money supply
Many projects are carried out by or in collaboration with public and private institutions. Are you interested in getting on board? Explore the opportunities.
DNB and the Eurosystem are currently exploring the possibilities for a digital euro. Read more about this project.
Our total net banknote issuance has long been negative: every year, the banks returned more notes to us than we put into circulation through the banks. Part of the reason for this is tourism. After tourists spend banknotes that were put into circulation in other euro area countries, banks return the notes to us. This trend reversed in 2020, however, and we have issued more banknotes than we receive since then. To see the cumulative net issuance numbers for banknotes and coins (expressed in value terms and broken down by denomination) go to the download.
People with disabilities or low digital literacy or who have difficulty making ends meet particularly value cash. Of all Dutch people, 28% say they cannot do without cash and 7% say they only pay with cash at points of sale, but these percentages are higher for the aforementioned focus groups.
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Finance Minister Sigrid Kaag wants banks to continue to provide adequate, basic cash facilities, as she wrote today in a letter to Parliament. In her letter, she also stresses that cash withdrawals and deposits must remain affordable for both consumers and retailers.
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Dutch households' trust in financial institutions has remained stable over the past year, despite the recent problems faced by banks in the United States and Switzerland. During that period, households did think slightly more often about the possibility of Dutch banks failing.
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Dutch consumers and businesses made around 6.1 billion payments using a debit or credit card in 2022, representing a combined amount of €182 billion, new figures from DNB on payment transactions show.
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