“It won’t make much of a difference to consumers, if at all,” says Kerstens. Because they still have to have access to the money – the bank or possibly a portal for a blockchain technology. The biggest difference lies in security: money that is now in the bank account is, from a legal point of view, “bank money”, that is, it is managed by the bank. In view of the strict regulation, this is also “99.99 percent” safe, emphasizes Kerstens. But the digital euro is issued and guaranteed directly by the central bank and there is therefore no longer any risk associated with the bank.