De Nederlandsche Bank research finds most Dutch consumers would consider using a digital euro and accept a EUR 3,000 holding limit

De Nederlandsche Bank (DNB) published survey-based research suggesting broad consumer openness to a future digital euro, finding that 67% of respondents would be willing to use it, including an offline version designed to work without an internet connection. The survey of 2,000 participants tested how people would allocate a notional EUR 800 or EUR 3,000 monthly budget across cash, digital euro and bank-account spending via debit card under different assumptions about debit-card availability (50% versus 99% certainty for in-store payments). Willingness to hold digital euro remained high across scenarios, and greater uncertainty about debit-card use led participants to hold more cash and more digital euro, indicating they treated the digital euro similarly to cash. Respondents also generally did not object to a EUR 3,000 per-person holding limit, while DNB noted no decision has been taken on such a limit. On storage preferences, 42% preferred a payment card, 33% an app and 26% had no preference; around a third were reluctant, mainly citing a lack of perceived added value, insufficient knowledge or lack of trust, while privacy was not a decisive factor for most respondents. DNB positioned the findings against ongoing European policy and technical work, noting that EU Member States, the European Parliament and the European Commission are still negotiating the legislation required for a digital euro, while the European Central Bank and euro area national central banks continue work on technical, design and functional options; the timing and outcome remain uncertain.