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Guide · GUIDE 08

Build up a cash reserve

Last reviewed on 29.06.2026

If the power or payment systems fail, cards, Twint and ATMs no longer work. Cash then remains the only means of payment. A small reserve at home bridges this gap.

Why keep a cash reserve?

Card payment, Twint and ATMs all depend on power and the network. During a power outage, a major cyber or system disruption, or a communications failure, often only cash still works.

A small reserve at home bridges exactly this gap – for food, fuel or the pharmacy in the first days. There is no officially fixed franc amount; it makes sense to base it on your own weekly needs.

How do I build a cash reserve?

  1. Keep it in small notes and coins
  2. Adapt the amount to a few days' needs (food, fuel, pharmacy)
  3. Store it safely but within reach
  4. Put part of the reserve in the go-bag

Good to know

  1. Cash complements but does not replace the rest of your preparedness
  2. No specific official franc amount from the federal government – base it on your weekly needs

Common mistakes

  1. Only large notes – in an emergency nobody can give change
  2. Keeping the entire reserve in a single place
  3. No cash in the emergency bag if you have to leave home
  4. Relying on cash alone instead of broad preparedness

Frequently asked questions

Why keep cash at home?

During a power outage, ATMs and card payments do not work. A small reserve in small notes/coins ensures cash payment. FONES lists cash as part of emergency supplies.

How much cash does the federal government recommend?

The federal government does NOT name a specific franc amount. A reserve in small denominations for a few days of everyday spending is sensible. The amount depends on household size.

Official sources