‘Not many people know this’: Here’s the maximum amount of cash you can keep at home

But the reality is far more nuanced than a single number or a simple rule. What the law actually allows, what institutions really monitor, and where the real risks lie are often misunderstood. Before panic sets in or assumptions take over, it’s worth taking a closer look at what’s fact, what’s fiction, and how keeping cash at home is viewed today—legally and practically.
‘Not many people know this’: Here’s the maximum amount of cash you can keep at home
Amid persistent rumors about a €10,000 limit, fears of attracting the attention of tax authorities, and announcements from across Europe, many French people are asking themselves: Can you really keep as much cash at home as you want? Is it risky? And above all, what do the law and institutions actually say? Spoiler alert: the answer is much more complex than a simple magic amount.
Cash at Home: What the Law Actually Says Today
The good news first: there is currently no legal limit on the amount of cash you can keep at home. Yes, you read that correctly. Theoretically, keeping several thousand euros in cash in a drawer, box, or safe is not illegal.
The real challenge is the origin of this money. In the event of an audit, you must be able to explain where these banknotes came from: bank withdrawals, property sales, inheritances, accumulated savings, etc. Without a coherent justification relating to ordinary income, doubts can arise, which can lead to lengthy and unpleasant administrative procedures. The sensitive issue, therefore, isn’t the possession of money, but its traceability.
The famous €10,000 threshold: myth or reality?
The €10,000 threshold is widely circulated, and for good reason: a European regulation will come into force in 2027. However, it doesn’t apply to cash kept at home, but rather to a limit on cash payments. Above this amount, it will no longer be possible to pay for purchases in the European Union with cash.
Finding the Right Balance to Avoid Stress and Complications
In reality, the French often do things their own way: some keep less than 100 euros, others several hundred, or even more. The key is to be consistent with your own personal situation, avoid unnecessarily tying up your savings, and, whenever possible, keep simple and understandable proof of the funds’ origin.
With caution, common sense, and accurate information, keeping cash at home is perfectly legal, provided you’re sensible and well-organized. In short, keeping cash at home can be reassuring, but true peace of mind comes from knowing why you’re doing it and being able to calmly explain it when necessary.