It is the rumor that agitates social networks at the moment: current bank accounts would be limited to 3,000 euros from April. So, info or intoxication? We take stock of the situation, more complex than it seems.
A persistent rumor has been circulating for a few months on the internet for a few months. Perhaps you have seen it pass on social networks or as a press article-which you have not necessarily read elsewhere: banks would prepare to limit current accounts to 3,000 euros from April 2025. How? For what ? By what right? But what is this dictatorship? So we would be prevented from having our own money as we can see? As you can see, this perspective makes a lot of ink and arouses indignation. But it is actually false information derived from a very real new.
Limitation of 3000 euros: a measure for the digital euro only
You might as well reassure you right away: unlike alarmist statements that flourish on the Internet, this measure absolutely does not concern traditional current accounts. The ceiling of 3,000 euros concerns only the digital portfolios linked to the future Euro Digital which will soon be launched by the European Central Bank (ECB), in order to frame the use of this electronic currency and to avoid a massive migration of the deposits of traditional banks to these new portfolios.
But what exactly is the digital euro? It is a new form of money, electronic this time, issued by the Eurosystem (the ECB and the national central banks of the euro zone) and accessible to all citizens and businesses. To simplify, it is like the virtual representation of the fiduciary currency – what we use when paid by bank card – but without certain characteristics of the fiduciary currency. It STEs intended to exist in parallel species, without replacing them, and presents itself as a response to the growing demand for electronic payments, a significant decrease in the use of species and with cross -border instant transactions.
While the digital euro is currently in the test phase, this limitation of 3,000 euros aims above all to ensure financial stability and the normal operation of private banks. It can therefore be brought to evolve in the future. For the majority of French people, this new measure will therefore not change their usual banking operations – transfers, withdrawals, withdrawals -, which will continue to operate normally. Only customers who will voluntarily decide to adopt the digital euro will have to deal with this ceiling of 3,000 euros on their current portfolio.