2026-05-272025/26:FiU39 · p.4FiUEconomy & finance
The Future Design of Legislation, Other
The future legislation on cash handling
What's at stake: The decision affects how quickly businesses and associations across the country can deposit their cash takings at a reasonable cost, and how robust the cash chain is in the face of future crises.
Case texts and AI reasoning are AI-translated from the Swedish originals; the Swedish text is authoritative.
What the vote decides
The question is whether the government's bill on accepting cash is sufficient, or whether broader legislation is needed as soon as possible to secure banks' duty to accept daily takings and strengthen cash handling as part of civil defence.
Yes Yes — the committee proposal
The committee considers the government's bill, together with the announced review of possibly extending the duty to more public-law services, to be a reasonable and well-balanced way forward, and that further legislative needs, such as banks' handling of daily takings, should be addressed through separate channels rather than through broader legislation now. The committee therefore rejects the motion.
No No — the reservations
Reservation 6 (C)
C considers the bill a welcome but insufficient step, and wants the government to promptly bring forward broader legislation that secures cash access nationwide, clarifies and expands banks' duty to accept daily takings, and strengthens cash handling as part of a resilient civil defence.
Summarised from the committee report. Party labels in the summary come from the report, not from the vote.
What do the votes mean here?
Yes The committee proposal: rejecting the motions (keeping things as they are).
No Backing the counter-proposal: reservation 6 by C.
Abstain The party marks a position of its own that is not one of the two final alternatives.
The decision would have held
Explicit commitments that contradicted the vote: SDSverigedemokraterna
Ja 192–24Ja 122–94
Counterfactual: the parties above are moved to the position their own documents explicitly point at, carrying their whole contingent present. Every other party keeps its real figures, including dissenters and absentees.
How the AI parties would have voted
For each party: what its own plan – election manifesto and party programme – argues for in this case, next to how the party actually voted. The AI can only answer Yes or No; a party can also abstain.
| AI | Vote | Confidence | Evidence | ||
|---|---|---|---|---|---|
| V | No | Abstain 0/0/21/0 | differs | confidence: medium | not addressed |
| S | No | Abstain 0/0/106/0 | differs | confidence: medium | not addressed |
| MP | No | Yes 16/0/2/0 | differs | confidence: medium | not addressed |
| C | No | No 0/24/0/0 | match | confidence: medium | not addressed |
| L | No | Yes 16/0/0/0 | differs | confidence: low | not addressed |
| KD | No | Yes 19/0/0/0 | differs | confidence: medium | not addressed |
| M | Yes | Yes 66/0/0/0 | match | confidence: low | not addressed |
| SD | No | Yes 70/0/0/0 | differsagainst own programme | confidence: high | explicit |
Broke with the party line
| MPEmma Nohrén (MP, Göteborgs kommun) | Abstain — party line: Yes |
| MPRebecka Le Moine (MP, Östergötlands län) | Abstain — party line: Yes |
MPs whose vote differs from their party's majority position in this division. Marked with a dark ring in the chamber view.
Committee proposal
The Riksdag rejects the motions 2025/26:3993 by Ida Gabrielsson et al. (V) demands 1-4 and 6, 2025/26:4013 by Mikael Damberg et al. (S) demands 3-6 and 2025/26:4043 by Martin Ådahl et al. (C) in this part.
Original (Swedish)
Riksdagen avslår motionerna 2025/26:3993 av Ida Gabrielsson m.fl. (V) yrkandena 1-4 och 6, 2025/26:4013 av Mikael Damberg m.fl. (S) yrkandena 3-6 och 2025/26:4043 av Martin Ådahl m.fl. (C) i denna del.
Riksdag decision: The Riksdag approved the government's proposal to strengthen the ability to use cash. The following measures are included in the proposal: Grocery stores and pharmacies shall, with certain exceptions, be required to accept cash at physical points of sale with staffed checkouts. Banks shall be required to provide places for cash deposits for consumers to a satisfactory extent throughout the country. There shall be demand-adapted services for companies to handle change and deposit daily cash tills. The legislative changes enter into force on 1 July 2026. The Riksdag also decided to direct a formal request (tillkännagivande) to the government to investigate whether certain public-law services can also be covered by the obligation to accept cash payment proposed for grocery stores and pharmacies.
Counter-proposals
- The counter-proposal wants to establish a supervisory body with real power to ensure the legislation is followed and to evaluate the reform. (C) — Reservation 6
Plan vs actual vote
Every party, in chamber order: what its own plan pointed to, how it voted, and the reasoning behind both. Highlighted rows are where the two differ — but a vote that follows the plan is a result too, so the reasoning is there for every party.
The plan requires that basic services function everywhere and that the state through stronger ownership and stricter regulation of banks secures socially important functions; it also wants to see a robust society built to handle crises.
Plan documents: party programme
Reasoning and quotes
The plan requires that basic services function everywhere and that the state through stronger ownership and stricter regulation of banks secures socially important functions; it also wants to see a robust society built to handle crises. A broader law that ensures cash access throughout the country and banks' obligation to receive cash deposits follows from this. The plan therefore supports the counter-proposal.
Original (Swedish)
Planen kräver att grundläggande service fungerar överallt och att staten genom starkare ägande och hårdare reglering av bankerna säkrar samhällsviktiga funktioner; den vill också se ett robust samhälle byggt för att klara kriser. En bredare lag som säkrar kontanttillgången i hela landet och bankernas skyldighet att ta emot dagskassor följer av det. Planen stöder därför motförslaget.
- the state secures socially important servicesdecisive»ett starkare ägande i finanssektorn kan staten säkra samhällsviktiga« (party programme ↗)“stronger ownership in the financial sector the state can secure socially important”
- services everywhere»Skola, vård, omsorg och annan service behöver fungera överallt.« (party programme ↗)“School, healthcare, care and other services need to function everywhere.”
- stricter bank regulation»Tills dess behövs en hårdare reglering av bankernas« (party programme ↗)“Until then a stricter regulation of banks'”
- robustness in face of crises»Investeringar i samhällets kärnverksamheter, gemensamt« (party programme ↗)“Investments in society's core activities, commonly”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The plan wants to strengthen civil defence and build strong infrastructure for preparedness, and warns of the fact that socially vital functions have been handed over to private market actors.
Plan documents: 2022 manifesto · party programme
Reasoning and quotes
The plan wants to strengthen civil defence and build strong infrastructure for preparedness, and warns of the fact that socially vital functions have been handed over to private market actors. It also requires good access to society's services throughout the country. A broader law that secures cash access as part of total defence thus aligns with the plan.
Original (Swedish)
Planen vill rusta upp det civila försvaret och bygga en stark infrastruktur för beredskap, och varnar för att samhällsviktiga funktioner överlåtits till privata marknadsaktörer. Den kräver också god tillgång till samhällets service i hela landet. En bredare lag som säkrar kontanttillgången som del av totalförsvaret ligger därmed i linje med planen.
- strengthened civil defencedecisive»Arbetet att förstärka det civila försvaret och krisberedskapen måste fortsätta« (2022 manifesto ↗)“Work to strengthen civil defence and crisis preparedness must continue”
- criticism of privatized preparedness»privata marknadsaktörer, som i värsta fall kontrolleras av främmande makt.« (party programme ↗)“private market actors, which in the worst case are controlled by a foreign power.”
- infrastructure for preparedness»Stark infrastruktur för stärkt beredskap.« (party programme ↗)“Strong infrastructure for strengthened preparedness.”
- public services throughout the country»God tillgång till samhällets service i hela landet.« (party programme ↗)“Good access to society's services throughout the country.”
Worldstate weighed in: SE-Alert is introduced and a major military exercise is conducted in May 2026 — makes cash management a part of civil preparedness
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The plan requires that society is present in all areas with equivalent service, and that preparedness is strengthened because all communities sooner or later face serious events.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The plan requires that society is present in all areas with equivalent service, and that preparedness is strengthened because all communities sooner or later face serious events. Cash access across the country and banks' obligation to accept day cash are part of that resilience. The counter-proposal's requirement for a broader law therefore aligns with the plan.
Original (Swedish)
Planen kräver att samhället är närvarande i alla områden med likvärdig service, och att beredskapen stärks eftersom alla samhällen förr eller senare drabbas av allvarliga händelser. Kontanttillgång i hela landet och bankers skyldighet att ta emot dagskassor är en del av just den motståndskraften. Motförslagets krav på en bredare lag ligger därför i linje med planen.
- equivalent service across the countrydecisive»Alla ska ha tillgång till likvärdig välfärd, god digital infrastruktur, kultur, service« (party programme ↗)“All shall have access to equivalent welfare, good digital infrastructure, culture, service”
- preparedness for crises»Alla samhällen drabbas förr eller senare av allvarliga händelser.« (party programme ↗)“All communities are sooner or later hit by serious events.”
- strengthened civil defense»satsa en större andel av försvarets pengar på det civila försvaret, och öka anslagen till krisberedskap.« (2022 manifesto ↗)“allocate a larger share of defense spending to civil defense, and increase budgets for crisis preparedness.”
- the state against market failures»Staten har ett ansvar att motverka en sådan utveckling.« (party programme ↗)“The state has a responsibility to counter such development.”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The plan requires that civil defence and society's preparedness for war and crisis be strengthened, and that public service must be close and reliable throughout the country.
Plan documents: 2022 manifesto · party programme
Reasoning and quotes
The plan requires that civil defence and society's preparedness for war and crisis be strengthened, and that public service must be close and reliable throughout the country. Cash availability and banks' handling of cash boxes are precisely such basic public service and a preparedness issue. The counter-proposal's requirement for a broader law that secures cash throughout the country therefore aligns with the plan.
Original (Swedish)
Planen kräver att civilförsvaret och samhällets beredskap inför krig och kris rustas, och att offentlig service ska vara nära och pålitlig i hela landet. Kontanttillgång och bankernas hantering av dagskassor är just sådan grundläggande samhällsservice och en beredskapsfråga. Motförslagets krav på en bredare lag som säkrar kontanterna i hela landet ligger därför i linje med planen.
- strengthen civil preparednessdecisive»Även det civila försvaret är livsviktigt. Vi måste rusta civilförsvaret och samhällets beredskap inför krig och kris.« (2022 manifesto ↗)“Civil defence is also vital. We must strengthen civil defence and society's preparedness for war and crisis.”
- reliable service throughout the country»Offentlig service ska vara nära och pålitlig i hela landet.« (2022 manifesto ↗)“Public service must be close and reliable throughout the country.”
- guaranteed public service»Det offentliga ska garantera att en sådan grundläggande samhällsservice finns, i hela landet,« (party programme ↗)“The public must guarantee that such basic public service exists, throughout the country,”
- equivalent conditions throughout the country»Alla ska kunna leva och förverkliga sina drömmar oavsett var man vill bo.« (party programme ↗)“Everyone must be able to live and realize their dreams regardless of where they want to live.”
The plan says nothing about cash availability or banks' obligation to accept day-cash.
Plan documents: 2022 manifesto · party programme
Reasoning and quotes
The plan says nothing about cash availability or banks' obligation to accept day-cash. Nearest commitments are that civil defence shall be strengthened at the same pace as military defence and that state services shall be secured across the entire country, which speaks for the counter-proposal's demand for a broader law as part of a resilient total defence. The plan's demand for reduced regulatory burden pulls the other way, so the position is uncertain.
Original (Swedish)
Planen säger ingenting om kontanttillgång eller bankers skyldighet att ta emot dagskassor. Närmast liggande åtaganden är att det civila försvaret ska stärkas i samma takt som det militära och att statlig service ska säkras i hela landet, vilket talar för motförslagets krav på en bredare lag som en del av ett motståndskraftigt totalförsvar. Planens krav på minskad regelbörda drar åt andra hållet, varför ställningstagandet är osäkert.
- strengthened civil defencedecisive»Antalet anställda och värnpliktiga i krigsorganisationen ska öka, ny materiel tillföras och det civila försvaret stärkas i samma takt som det militära.« (2022 manifesto ↗)“The number of employees and conscripts in the war organization shall increase, new equipment shall be added and civil defence shall be strengthened at the same pace as military defence.”
- greatly strengthened total defence»I ett säkerhetspolitiskt läge som är det svåraste sedan andra världskrigets slut behöver Sveriges totalförsvar stärkas kraftigt.« (party programme ↗)“In a security policy situation that is the most serious since the end of World War II, Sweden's total defence needs to be greatly strengthened.”
- state services across the entire country»Tillgången till statlig service ska säkras i hela landet.« (party programme ↗)“Access to state services shall be secured across the entire country.”
- reduced regulatory burden»Regelbördan för små företag ska minska, genom ansträngningar på både kommunal, statlig och europeisk nivå, och offentliga beslut analyseras ur småföretagarperspektiv.« (party programme ↗)“Regulatory burden for small businesses shall decrease, through efforts at both municipal, state and European level, and public decisions shall be analysed from a small business perspective.”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The plan makes economic defence an important part of total defence and requires good preparedness for blockade, which supports the counter-proposal's demand to ensure cash handling as part of resilience.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The plan makes economic defence an important part of total defence and requires good preparedness for blockade, which supports the counter-proposal's demand to ensure cash handling as part of resilience. The plan also wants basic services to exist throughout the country, including through expanded operating support to grocery stores. This argues for broader legislation securing cash access.
Original (Swedish)
Planen gör det ekonomiska försvaret till en viktig del av totalförsvaret och kräver god beredskap inför avspärrning, vilket bär motförslagets krav på att kontanthanteringen säkras som en del av motståndskraften. Planen vill dessutom att grundläggande service ska finnas i hela landet, bland annat genom breddat driftstöd till dagligvarubutiker. Det talar för en bredare lag som säkrar kontanttillgången.
- economic defence in total defencedecisive»Det ekonomiska försvaret är en viktig del av totalförsvaret.« (party programme ↗)“Economic defence is an important part of total defence.”
- preparedness for blockade»Sverige ska i princip kunna svara för befolkningens livsmedels och energiförsörjning samt hålla en god beredskap inför avspärrning av utrikeshandeln.« (party programme ↗)“Sweden should in principle be able to provide for the population's food and energy supply and maintain good preparedness for a blockade of foreign trade.”
- service throughout the country»Rädda lanthandeln genom att bredda driftstödet till dagligvarubutiker.« (2022 manifesto ↗)“Save rural stores by expanding operating support to grocery stores.”
- equivalent service regardless of place of residence»Alla människor ska oavsett bostadsort kunna få del av samhällets grundläggande sociala rättigheter« (party programme ↗)“All people regardless of place of residence should be able to receive the state's basic social rights”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The plan says nothing about cash availability or banks' obligation to receive daily takings.
Plan documents: 2022 manifesto · party programme
Reasoning and quotes
The plan says nothing about cash availability or banks' obligation to receive daily takings. The nearest principle is instead that the regulatory burden on businesses should decrease significantly and that reforms should happen gradually and in a tested manner. The commitment to civil readiness concerns readiness stocks and food, not payment infrastructure, and is not enough to support the counter-proposal's demand for a broader law now.
Original (Swedish)
Planen säger ingenting om kontanttillgång eller bankers skyldighet att ta emot dagskassor. Den närmast liggande principen är i stället att regelbördan för företag ska minska kraftigt och att reformer ska ske stegvis och prövat. Åtagandet om civil beredskap gäller beredskapslager och livsmedel, inte betalningsinfrastruktur, och räcker inte för att bära motförslagets krav på en bredare lag nu.
- reduced red tape for businessesdecisive»Ta bort en tredjedel av företagens administrationskostnader och en tredjedel av regelkrånglet« (2022 manifesto ↗)“Remove a third of businesses' administrative costs and a third of regulatory red tape”
- organized civil readiness»Säkra en långsiktig planering för det civila försvaret« (2022 manifesto ↗)“Ensure long-term planning for civil defense”
- limited state role in the economy»Statens roll i ekonomin är att värna dess grundläggande« (party programme ↗)“The state's role in the economy is to safeguard its fundamental”
flags: citat_blockerat
The plan explicitly demands that the status of cash as a means of payment in Sweden be defended, and justifies it by society's vulnerability to disruptions in electronic systems and payment services.
Plan documents: 2022 manifesto
Reasoning and quotes
The plan explicitly demands that the status of cash as a means of payment in Sweden be defended, and justifies it by society's vulnerability to disruptions in electronic systems and payment services. The counter-proposal's demands for broader legislation that ensures cash access throughout the country and links cash handling to total defence follow directly from this commitment. The plan therefore supports the counter-proposal's case.
Original (Swedish)
Planen kräver uttryckligen att kontanternas ställning som betalmedel i Sverige försvaras, och motiverar det med samhällets sårbarhet för störningar i elektroniska system och betaltjänster. Motförslagets krav på en bredare lag som säkrar kontanttillgången i hela landet och kopplar kontanthanteringen till totalförsvaret följer direkt av detta åtagande. Planen stöder därför motförslagets sak.
- cash's statusdecisive»Försvara kontanternas ställning som betalmedel i Sverige« (2022 manifesto ↗)“Defend the status of cash as a means of payment in Sweden”
- vulnerable payment systems»Det moderna samhället är sårbart för störningar. Störningar i elektroniska system, betaltjänster eller elnät kan uppstå på grund av naturfenomen, angrepp eller fel och skulle kunna få oöverskådliga följder relativt snabbt.« (2022 manifesto ↗)“Modern society is vulnerable to disruptions. Disruptions in electronic systems, payment services or electricity grids can occur due to natural phenomena, attacks or errors and could have incalculable consequences relatively quickly.”
- digital vulnerability in crisis»Samhällets sårbarhet behöver bättre utvärderas, inkluderat hur ett allt mer elektrifierat och digitalt samhälle påverkar utsattheten vid en kris eller störning.« (2022 manifesto ↗)“Society's vulnerability needs to be better evaluated, including how an increasingly electrified and digital society affects exposure in a crisis or disruption.”
- service throughout the country»Bedriva en politik för hela Sverige« (2022 manifesto ↗)“Pursue a policy for all of Sweden”
Worldstate weighed in: Large military exercise in Sweden 27 April-13 May and the introduction of SE-Alert — Emphasises that cash handling should be seen as part of total defence robustness
The stance rests on the quoted commitment in the party's own documents; the actual vote deviated. Click the quote to verify it in the document.
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Sources and documents
- The committee report on riksdagen.se (2025/26:FiU39)
- Committee report full text (HD01FiU39)
- Per-MP voting data (API)
- Case status (API)
Documents under consideration
- Motion 2025/26:3993 — med anledning av prop. 2025/26:199 Åtgärder för att stärka kontanternas funktionssätt av Ida Gabrielsson m.fl. (V)
- Motion 2025/26:4013 — med anledning av prop. 2025/26:199 Åtgärder för att stärka kontanternas funktionssätt av Mikael Damberg m.fl. (S)
- Motion 2025/26:4043 — med anledning av prop. 2025/26:199 Åtgärder för att stärka kontanternas funktionssätt av Martin Ådahl m.fl. (C)
- Motion 2025/26:4061 — med anledning av prop. 2025/26:199 Åtgärder för att stärka kontanternas funktionssätt av Janine Alm Ericson m.fl. (MP)
- Proposition 2025/26:199 — Åtgärder för att stärka kontanternas funktionssätt
Source: The Swedish Parliament