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    When does the digital euro pilot start?

    Testing the digital euro before any decision.

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    Short answer

    The Bank of Finland announced on 14 July 2026 that the Eurosystem's digital euro pilot starts in the second half of 2027 and lasts 12 months. It tests the technology, operating processes and user experience in a controlled setting. Selected payment service providers, merchants and central bank staff in the euro area will take part, and a Finnish bank signed up with the Bank of Finland. The ECB selected 36 payment service providers for the pilot.

    Practical: communication, money, services

    Why

    1. The Bank of Finland gives the second half of 2027 as the start.
    2. The pilot runs for 12 months.
    3. The ECB selected 36 payment service providers.

    Details

    The pilot is a test with a limited group of users. Ordinary consumers cannot use the digital euro during it.

    Tip

    Follow the Bank of Finland for news on the pilot and the legislation.

    What may differ

    Schedules for the pilot and any later launch can change.

    Common misconception

    The pilot means the digital euro has been launched.

    What actually happens

    The pilot is a test. Any decision to issue it can only follow EU legislation.

    People also ask

    • What is the digital euro and can you use it in Finland?
    • Has the digital euro been approved?
    • Is cash legal tender in Finland?

    Sources

    This answer is for reference only. Payment rules and fees change, so check the official sources or your bank before you pay.

    Practical: communication, money, services
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