The Finance (Provision of Access to Cash Infrastructure) Act 2025 (No. 4) establishes a robust legal framework to ensure that individuals and businesses in Ireland retain reasonable access to cash withdrawal and deposit services. With the rise of digital payments leading to a decline in cash usage, the Act addresses potential financial exclusion, particularly in rural areas and among vulnerable populations. It imposes statutory duties on banks and financial service providers to maintain cash services, overseen by the Central Bank of Ireland. This includes specifying minimum service standards and requiring transparency in any reductions or closures of cash services.

Beyond merely safeguarding cash access, the Act encourages innovative cash-access solutions, such as partnerships with credit unions and post offices. It also prioritises data collection on cash service usage, facilitating informed regulatory decisions. Collectively, these provisions support financial inclusion, ensuring that the shift towards digital transactions does not marginalise those who rely on cash, thereby enhancing national economic resilience.