La regulación del euro amenaza más de 195.000 empleos en cajeros y atención al cliente en España

The European Union’s regulation on the legal tender status of the euro has raised concerns over its potential impact on employment in Spain, with more than 195,000 jobs in cashiers and customer service potentially at risk. The issue centers around the new rules governing how physical currency can be used in transactions, which could lead to the replacement of human-operated payment systems with automated self-service kiosks. Spanish cash-in-hand advocacy group Denaria has expressed alarm over these developments, urging EU authorities to ensure that physical cash remains accessible through manned counters in retail settings. The regulation, currently in the stage known as “trilogues” among the European Parliament, the Council of the European Union, and the European Commission, aims to define practical measures for ensuring access to physical money. According to Denaria, the current draft allows businesses to replace human cashiers with self-payment systems, effectively reducing the need for staff in this role. This shift would affect thousands of workers across Spain, particularly in sectors such as retail, public services, and small businesses that rely heavily on cash transactions. Denaria, a platform dedicated to promoting the continued use of cash, argues that the proposed rule undermines the right of individuals to pay with physical currency. It warns that widespread adoption of automated payment methods could make cash payments impractical in many everyday situations, especially for older populations or those who prefer traditional forms of transaction. The organization has submitted its concerns directly to EU institutions, emphasizing the social implications of a move away from cash-based interactions. The regulation is part of broader efforts within the EU to modernize financial infrastructure while maintaining the legal status of the euro as a means of payment. However, the debate highlights a growing divide between technological advancement and the preservation of consumer choice. In recent years, the use of cash has declined significantly across Europe, driven by the rise of digital payment solutions. Yet, there remains a vocal minority advocating for the continued availability of physical money, citing both cultural and economic reasons. In response to the controversy, some business groups have supported the regulation, arguing that automation improves efficiency and reduces costs. They point to the increasing reliance on electronic payments in other parts of the world and suggest that adapting to new technologies is necessary for competitiveness. Others, however, warn that the loss of cash-based services could disproportionately affect vulnerable communities, including low-income households and rural areas with limited access to digital banking. As the trilogue process continues, stakeholders will likely push for clarification on key issues, such as the extent to which businesses must maintain manned cash points and whether exceptions should be made for certain types of establishments. The final version of the regulation is expected to be finalized in early 2027, following further negotiations and consultations with member states and civil society organizations. Until then, the debate over the future of cash in the EU shows no signs of abating.