Establishment of the digital euro
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In interinstitutional negotiations (trilogues). Parliament and Council are working toward a provisional agreement, which would still need formal adoption to become law.
Last active 19 Dec 2025
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What this bill does
In plain terms: what it changes and who it affects.
This proposal creates a digital euro for everyday payments, alongside cash, and sets rules on access, acceptance, privacy, fees, and distribution.
Who it affects
It affects people, businesses, public authorities, merchants, banks and payment providers in the euro area. It also affects visitors and, under conditions, users outside the euro area.
Core of the proposal
- Gives the digital euro legal tender status, with limited exceptions to mandatory acceptance.
- Requires basic digital euro services to be free for natural persons.
- Allows online and offline payments, with higher privacy for offline transactions.
- Lets the ECB set holding limits to reduce financial-stability risks.
Key provisions
- Takes effect
- The Regulation enters into force on the twentieth day following publication in the Official Journal of the European Union.
Latest update
05 Jun 2026The most recent development in this bill's progress.
1st reading – European Parliament → Trilogues (interinstitutional negotiations)
1st reading – European Parliament → Trilogues (interinstitutional negotiations)
Documents
1 recentSourcesOEILEUR-LexEU Law Tracker