Slovenia has proposed a new law to guarantee consumers the right to choose between cash and electronic payments, while ensuring nationwide access to basic banking services and cash infrastructure. The draft also mandates acceptance of cash and at least one electronic payment method at points of sale, with limited exceptions, and is open for public consultation until 16 April 2026.
Slovenia: Cash vs. Cards: ZDUPS Rules for Point-of-Sale Payments
Public
Slovenia
Author: Ema Stamenković
Category:
Fiscal subject related
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25
Content accuracy validation date:
14.04.2026
Content accuracy validation time:
15:16h
The Ministry of Finance, together with the Bank of Slovenia, has prepared a proposal for the new Act on the Accessibility and Use of Payment Means (ZDUPS). The proposal addresses access to cash in line with the new Article 74a of the Constitution (right to use cash) and regulates the possibility of electronic payments at points of sale.
The core principle is to allow consumers to choose between cash and electronic payment methods while ensuring access to basic banking services across the country.
The Ministry invites constructive suggestions from both the professional and general public during the public debate. Comments and proposals can be submitted via the E-democracy portal until 16 April 2026.
Acceptance of Cash Payments and Exceptions
The draft law requires providers of goods and services to accept cash at points of sale, in accordance with EU law and the law on the introduction of the euro. Exceptions are allowed based on the Court of Justice of the EU’s interpretation of "legal tender" for reasons of public interest.
Examples of exceptions include:
• Public passenger transport services should be available if cash payment is accessible in another way.
• The proposed EU regulation on euro banknotes and coins as legal tender applies in cases where the value of the banknote is clearly disproportionate to the amount due.
Cash Points for Consumers and Providers
The draft law regulates access to basic banking services through a network of cash points. A cash point is defined as any device, ATM, or branch office that allows withdrawal or deposit of euro banknotes and coins of all denominations.
These obligations apply to all credit institutions except those operating exclusively online without physical branches.
Criteria for ATMs consider population distance (in settlements with more than 1,000 inhabitants) and ATM density per 100,000 inhabitants.
Every branch of a credit institution must provide basic banking services to consumers and providers during all business hours. The law also sets limits on fees for cash deposits and withdrawals. Consumers are entitled to up to five free withdrawals or deposits per month at any credit institution’s ATM.
Electronic Payments at Physical Points of Sale
The draft law requires providers of goods and services to offer at least one electronic payment method (in euros) at physical points of sale where the consumer and provider are present.
Exemptions apply to:
• Small providers with net sales revenue not exceeding €10,000 in the previous financial year (except budget users).
• Entities in their first year of operation.
• Sales for charitable or non-profit purposes.
• Situations where electronic connection is impossible or disabled for security reasons.
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