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title="toggle subpages for Mobilisering af sikkerhedsstillelse"></a><ul><li class="clearfix"><a href="/mopo/coll/coll/ccbm/html/index.da.html">CCBM</a></li><li class="clearfix"><a href="/mopo/coll/coll/eligiblesss/html/index.da.html">Godkendte værdipapirafviklingssystemer</a></li><li class="clearfix"><a href="/mopo/coll/coll/ssslinks/html/index.da.html">Godkendte link</a></li><li class="clearfix"><a href="/mopo/coll/coll/triparty/html/index.da.html">Godkendte trepartsagenter</a></li></ul></li><li class="has-subpages"><a href="/mopo/coll/risk/html/index.da.html">Risikoreduktion</a><a href="#" class="subpages" title="toggle subpages for Risikoreduktion"></a><ul><li class="clearfix"><a href="/mopo/coll/risk/ecaf/html/index.da.html">Eksterne kreditvurderingsbureauer</a></li><li class="clearfix"><a href="/mopo/coll/risk/riskcontrol/html/index.da.html">Risikokontrol</a></li><li class="clearfix"><a href="/mopo/coll/risk/liquidity/html/index.da.html">Haircutkategorier</a></li><li 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href="/mopo/eaec/ecopolicy/html/index.da.html">Økonomisk politik</a></li><li class="clearfix"><a href="/mopo/eaec/fiscal/html/index.da.html">Finanspolitik</a></li><li class="clearfix"><a href="/mopo/eaec/trade/html/index.da.html">Udenrigshandel</a></li><li class="clearfix"><a href="/mopo/eaec/eer/html/index.da.html">Effektive valutakurser</a></li><li class="clearfix"><a href="/mopo/eaec/structure/html/index.da.html">Finansiel struktur</a></li><li class="clearfix"><a href="/mopo/eaec/markets/html/index.da.html">Finansielle markeder</a></li><li class="clearfix"><a href="/mopo/eaec/intermediaries/html/index.da.html">Finansielle formidlere</a></li><li class="clearfix"><a href="/mopo/eaec/diversity/html/index.da.html">Økonomisk diversitet</a></li><li class="clearfix"><a href="/mopo/eaec/labour/html/index.da.html">Arbejdsmarkedet</a></li></ul></li><li class="has-subpages"><a href="/mopo/market-contact-groups/html/index.da.html">Markedskontaktgrupper</a><a href="#" class="subpages" title="toggle subpages for Markedskontaktgrupper"></a><ul><li class="clearfix"><a href="/mopo/market-contact-groups/bmcg/html/index.da.html">Bond Market (BMCG)</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/mmcg/html/index.da.html">Money Market (MMCG)</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/dimcg/html/index.da.html">Debt Issuance Market Contact Group (DIMCG)</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/omg/html/index.da.html">ECB Operations Managers Group (ECB OMG)</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/fxcg/html/index.da.html">Foreign Exchange (FXCG)</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/iid/html/index.da.html">Institutional Investor Dialogue (IID)</a></li></ul></li></ul></div></li><li class="has-subpages -section" aria-expanded="false"><a href="/paym/html/index.da.html">Betalinger & finansiel stabilitet</a><a href="#" class="subpages" title="toggle subpages for Betalinger & finansiel stabilitet"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"><div class="item"> <div class="title">Betalinger og finansiel stabilitet</div> <p>Nærmere om, hvordan vi arbejder med finansiel stabilitet og betalingsinfrastruktur</p><a href="/paym/html/index.en.html">Overblik over betalinger og finansiel stabilitet</a><hr> <div class="nav-title">Kviklink</div> <ul> <li><a href="/euro/digital_euro/html/index.en.html">En digital euro</a></li> <li><a href="/press/intro/html/index.en.html">Betalingsnyheder</a></li> <li><a href="/paym/target/target-professional-use-documents-links/html/index.en.html">Target – dokumenter og link for fagfolk</a></li> </ul> </div><a href="/pub/financial-stability/fsr/html/index.en.html" class="item image"> <img src="/paym/financial-stability/html/index/fsr_1000x750.jpg" width="357" height="179" loading="lazy" style="object-fit:cover"><div class="image-caption">Seneste Financial Stability Review</div> <div class="image-date">16. maj 2024</div></a></div></div><ul><li class="clearfix"><span>Betalinger</span></li><li class="has-subpages -section"><a href="/paym/target/html/index.da.html">Target Services</a><a href="#" class="subpages" title="toggle subpages for Target Services"></a><ul><li class="clearfix"><a href="/paym/target/coco/html/index.da.html">Fælles funktioner</a></li><li class="has-subpages -current"><a href="/paym/target/t2/html/index.da.html">T2</a><a href="#" class="subpages" title="toggle subpages for T2"></a><ul><li class="clearfix"><a href="/paym/target/t2/facts/html/index.da.html">Facts and figures</a></li><li class="clearfix"><a href="/paym/target/t2/governance/html/index.da.html">Governance</a></li></ul></li><li class="has-subpages"><a href="/paym/target/t2s/html/index.da.html">T2S</a><a href="#" class="subpages" title="toggle subpages for T2S"></a><ul><li class="clearfix"><a href="/paym/target/t2s/governance/html/index.da.html">Governance</a></li><li class="clearfix"><a href="/paym/target/t2s/facts/html/index.da.html">Fakta og tal</a></li><li class="clearfix"><a href="/paym/target/t2s/pricing/html/index.da.html">Prisfastsættelse</a></li></ul></li><li class="has-subpages"><a href="/paym/target/tips/html/index.da.html">TIPS</a><a href="#" class="subpages" title="toggle subpages for TIPS"></a><ul><li class="clearfix"><a href="/paym/target/tips/governance/html/index.da.html">Governance</a></li><li class="clearfix"><a href="/paym/target/tips/facts/html/index.da.html">Fakta og tal</a></li><li class="clearfix"><a href="/paym/target/tips/onboarding/html/index.da.html">Tilslutning</a></li></ul></li><li class="clearfix"><a href="/paym/target/ecms/html/index.da.html">ECMS</a></li><li class="has-subpages"><a href="/paym/target/target-professional-use-documents-links/html/index.da.html">Target-dokumenter & -link til fagfolk</a><a href="#" class="subpages" title="toggle subpages for Target-dokumenter & -link til fagfolk"></a><ul><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/coco/html/index.da.html">Til professionel brug</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/t2/html/index.da.html">T2-dokumenter & -link</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/t2s/html/index.da.html">Beregnet for fagfolk</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/tips/html/index.da.html">Beregnet for fagfolk</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/ecms/html/index.da.html">Beregnet for fagfolk</a></li></ul></li></ul></li><li class="has-subpages"><a href="/paym/integration/html/index.da.html">Integration og innovation</a><a href="#" class="subpages" title="toggle subpages for Integration og innovation"></a><ul><li class="has-subpages"><a href="/paym/integration/distributed/html/index.da.html">Distributed ledger-teknologier</a><a href="#" class="subpages" title="toggle subpages for Distributed ledger-teknologier"></a><ul><li class="clearfix"><a href="/paym/integration/distributed/exploratory/html/index.da.html">Forskningsarbejde</a></li></ul></li><li class="has-subpages"><a href="/paym/integration/retail/html/index.da.html">Detailbetalinger</a><a href="#" class="subpages" title="toggle subpages for Detailbetalinger"></a><ul><li class="clearfix"><a href="/paym/integration/retail/retail_payments_strategy/html/index.da.html">Strategi for detailbetalinger</a></li><li class="clearfix"><a href="/paym/integration/retail/ecb/html/index.da.html">ECB som katalysator</a></li><li class="clearfix"><a href="/paym/integration/retail/sepa/html/index.da.html">SEPA</a></li><li class="clearfix"><a href="/paym/integration/retail/instant_payments/html/index.da.html">Straksbetalinger</a></li></ul></li><li class="has-subpages"><a href="/paym/integration/collateral/html/index.da.html">Harmonisering af forvaltningen af sikkerhed</a><a href="#" class="subpages" title="toggle subpages for Harmonisering af forvaltningen af sikkerhed"></a><ul><li class="clearfix"><a href="/paym/integration/collateral/implementation/html/index.da.html">Gennemførelse</a></li><li class="clearfix"><a href="/paym/integration/collateral/faq/html/index.da.html">Ofte stillede spørgsmål</a></li></ul></li></ul></li><li class="has-subpages"><a href="/paym/cyber-resilience/html/index.da.html">Cyberrobusthed</a><a href="#" class="subpages" title="toggle subpages for Cyberrobusthed"></a><ul><li class="clearfix"><a href="/paym/cyber-resilience/fmi/html/index.da.html">Finansielle markedsinfrastrukturer</a></li><li class="clearfix"><a href="/paym/cyber-resilience/tiber-eu/html/index.da.html">TIBER-EU</a></li></ul></li><li class="has-subpages"><a href="/paym/pol/html/index.da.html">Overvågning</a><a href="#" class="subpages" title="toggle subpages for Overvågning"></a><ul><li class="clearfix"><a href="/paym/pol/systems/html/index.da.html">Betalingssystemer</a></li><li class="clearfix"><a href="/paym/pol/target2-securities/html/index.da.html">Target2-Securities</a></li><li class="clearfix"><a href="/paym/pol/instr/html/index.da.html">Elektroniske betalinger</a></li><li class="clearfix"><a href="/paym/pol/clearing/html/index.da.html">Værdipapirafviklingssystemer og centrale modparter</a></li><li class="clearfix"><a href="/paym/pol/critical/html/index.da.html">Kritiske serviceleverandører</a></li><li class="clearfix"><a href="/paym/pol/correspondent-and-custodian-banks/html/index.da.html">Korrespondentbanker og depotbanker</a></li><li class="clearfix"><a href="/paym/pol/forum/html/index.da.html">Forummet SecuRe Pay</a></li></ul></li><li class="has-subpages"><a href="/paym/erms/html/index.da.html">Tjenesteydelser vedrørende forvaltning af valutareserver</a><a href="#" class="subpages" title="toggle subpages for Tjenesteydelser vedrørende forvaltning af valutareserver"></a><ul><li class="clearfix"><a href="/paym/erms/aspects/html/index.da.html">Vigtige aspekter</a></li><li class="clearfix"><a href="/paym/erms/service/html/index.da.html">Udbud af tjenester</a></li></ul></li><li class="has-subpages"><a href="/paym/cashprof/html/index.da.html">Kontanthåndterere</a><a href="#" class="subpages" title="toggle subpages for Kontanthåndterere"></a><ul><li class="has-subpages"><a href="/paym/cashprof/cashhand/html/index.da.html">Kontanthåndtering</a><a href="#" class="subpages" title="toggle subpages for Kontanthåndtering"></a><ul><li class="clearfix"><a href="/paym/cashprof/cashhand/devices/html/index.da.html">Udstyr til ægthedskontrol af pengesedler</a></li><li class="clearfix"><a href="/paym/cashprof/cashhand/recycling/html/index.da.html">Recirkulering af pengesedler</a></li></ul></li><li class="clearfix"><a href="/paym/cashprof/cdispec/html/index.da.html">CDI-specifikationer</a></li><li class="clearfix"><a href="/paym/cashprof/accreditation/html/index.da.html">Godkendelse af seddelproducenter</a></li></ul></li><li class="has-subpages"><a href="/paym/groups/html/index.da.html">Markedskontaktgrupper</a><a href="#" class="subpages" title="toggle subpages for Markedskontaktgrupper"></a><ul><li class="clearfix"><a href="/paym/groups/ami/html/index.da.html">Rådgivende grupper om markedsinfrastrukturer</a></li><li class="clearfix"><a href="/paym/groups/euro-cyber-board/html/index.da.html">Euro Cyber Resilience Board</a></li><li class="clearfix"><a href="/paym/groups/erpb/html/index.da.html">Euro Retail Payments Board (ERPB)</a></li><li class="clearfix"><a href="/paym/groups/efip/html/index.da.html">European Forum for Innovation in Payments (EFIP)</a></li></ul></li><li class="clearfix"><span>Finansiel stabilitet</span></li><li class="clearfix"><a href="/paym/financial-stability/html/index.da.html">Finansiel stabilitet</a></li><li class="clearfix"><a href="/paym/macroprudential-measures/html/index.da.html">Makroprudentielle tiltag</a></li><li class="clearfix"><a href="/paym/financial_stability_contact_groups/html/index.da.html">Kontaktgrupper vedrørende finansiel stabilitet</a></li></ul></div></li><li class="has-subpages" aria-expanded="false"><a href="/stats/html/index.da.html">Statistik</a><a href="#" class="subpages" title="toggle subpages for Statistik"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"><div class="item"> <div class="title">Statistik</div> <p>Adgang til al ECB-statistik og baggrundsoplysninger</p><a href="/stats/html/index.en.html">Overblik over ECB's statistik</a><hr> <div class="nav-title">Kviklink</div> <ul> <li><a href="https://data.ecb.europa.eu/main-figures">Hovedtal</a></li> <li><a href="https://data.ecb.europa.eu/">ECB Data Portal</a></li> <li><a href="/stats/ecb_statistics/accessing-our-data/html/index.en.html">Alle datatjenester</a></li> </ul> </div><a href="/press/blog/date/2024/html/ecb.blog20240418~2240ea1850.en.html" class="item image"> <img src="/press/blog/date/2024/html//ecb.blog20240418~2240ea1850/ecb.blog20240418~2240ea1850.jpg" width="357" height="179" loading="lazy" style="object-fit:cover"><div class="image-caption">ECB'S BLOG - Forbedrede data: klimaændringernes effekt på bankerne</div> <div class="image-date">18. april 2024</div></a></div></div><ul><li class="clearfix"><span>Hyppigt besøgt</span></li><li class="clearfix"><a href="/stats/euro-exchange-rates/html/index.da.html">Euro valutakurser</a></li><li class="clearfix"><a href="/stats/key-ecb-interest-rates/html/index.da.html">ECB's officielle renter</a></li><li class="has-subpages"><a href="/stats/euro-short-term-rates/html/index.da.html">Den korte eurorente (€STR)</a><a href="#" class="subpages" title="toggle subpages for Den korte eurorente (€STR)"></a><ul><li class="has-subpages"><a href="/stats/euro-short-term-rates/interest_rate_benchmarks/html/index.da.html">Rentebenchmark</a><a href="#" class="subpages" title="toggle subpages for Rentebenchmark"></a><ul><li class="clearfix"><a href="/stats/euro-short-term-rates/interest_rate_benchmarks/WG_euro_risk-free_rates/html/index.da.html">Arbejdsgruppen om risikofrie eurorenter</a></li></ul></li></ul></li><li class="clearfix"><a href="/stats/inflation/html/index.da.html">Inflation</a></li><li class="clearfix"><a href="/stats/euro-area-yield-curves/html/index.da.html">Euroområdets rentekurver</a></li><li class="clearfix"><span>Al statistik og baggrund</span></li><li class="clearfix"><a href="/stats/all-key-statistics/html/index.da.html">Al den vigtigste statistik</a></li><li class="clearfix"><a href="/stats/accessing-our-data/html/index.da.html">Få adgang til vores data</a></li><li class="has-subpages"><a href="/stats/ecb_statistics/html/index.da.html">Hovedtræk</a><a href="#" class="subpages" title="toggle subpages for Hovedtræk"></a><ul><li class="clearfix"><a href="/stats/ecb_statistics/governance_and_quality_framework/html/index.da.html">Governance og kvalitetsrammer</a></li><li class="clearfix"><a href="/stats/ecb_statistics/co-operation_and_standards/html/index.da.html">Samarbejde og standarder</a></li><li class="clearfix"><a href="/stats/ecb_statistics/reporting/html/index.da.html">Bankernes datarapportering</a></li><li class="has-subpages"><a href="/stats/ecb_statistics/anacredit/html/index.da.html">AnaCredit</a><a href="#" class="subpages" title="toggle subpages for AnaCredit"></a><ul><li class="clearfix"><a href="/stats/ecb_statistics/anacredit/questions/html/index.da.html">AnaCredit Q&A</a></li></ul></li><li class="clearfix"><a href="/stats/ecb_statistics/consultations/html/index.da.html">Offentlige høringer</a></li><li class="clearfix"><a href="/stats/ecb_statistics/dialogue/html/index.da.html">Banking Industry Dialogue om ESCB-statistik og integreret rapportering</a></li><li class="clearfix"><a href="/stats/ecb_statistics/sdmx/html/index.da.html">SDMX - model til udveksling af statistiske data</a></li><li class="clearfix"><a href="/stats/ecb_statistics/inexda/html/index.da.html">INEXDA - granulært datanetværk</a></li></ul></li></ul></div></li><li class="has-subpages" aria-expanded="false"><a href="/euro/html/index.da.html">Euroen</a><a href="#" class="subpages" title="toggle subpages for Euroen"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"><div class="item"> <div class="title">Euroen</div> <p>Alt, hvad du har brug for at vide om den fælles valuta</p><a href="/euro/html/index.en.html">Overblik over euroen</a><hr> <div class="nav-title">Kviklink</div> <ul> <li><a href="/paym/cashprof/html/index.en.html">Kontanthåndterere</a></li> <li><a href="/stats/policy_and_exchange_rates/banknotes+coins/html/index.en.html">Statistik over sedler og mønter</a></li> <li><a href="/stats/policy_and_exchange_rates/euro_reference_exchange_rates/html/index.en.html">Eurokursen</a></li> </ul> </div><a href="/euro/banknotes/future_banknotes/html/index.en.html" class="item image"> <img src="/euro/banknotes/future_banknotes/html/index/TwoThemes_Announcement_BOX_1000x750.png" width="357" height="179" loading="lazy" style="object-fit:cover"><div class="image-caption">To mulige temaer udvalgt til nye eurosedler</div> <div class="image-date">29. november 2023</div></a></div></div><ul><li class="has-subpages"><a href="/euro/digital_euro/html/index.da.html">Digital euro</a><a href="#" class="subpages" title="toggle subpages for Digital euro"></a><ul><li class="has-subpages"><a href="/euro/digital_euro/features/html/index.da.html">Hvad er det?</a><a href="#" class="subpages" title="toggle subpages for Hvad er det?"></a><ul><li class="clearfix"><a href="/euro/digital_euro/features/privacy/html/index.da.html">Den digitale euro og privatliv</a></li></ul></li><li class="clearfix"><a href="/euro/digital_euro/how-it-works/html/index.da.html">Sådan virker den</a></li><li class="clearfix"><a href="/euro/digital_euro/why-we-need-it/html/index.da.html">Derfor har vi brug for den</a></li><li class="clearfix"><a href="/euro/digital_euro/progress/html/index.da.html">Tidslinje og status</a></li><li class="has-subpages"><a href="/euro/digital_euro/timeline/html/index.da.html">Detaljerede oplysninger</a><a href="#" class="subpages" title="toggle subpages for Detaljerede oplysninger"></a><ul><li class="clearfix"><a href="/euro/digital_euro/timeline/stakeholder/html/index.da.html">Ledelse og interessenter</a></li><li class="clearfix"><a href="/euro/digital_euro/timeline/profuse/html/index.da.html">Tekniske dokumenter og forskning</a></li><li class="clearfix"><a href="/euro/digital_euro/timeline/rulebook/html/index.da.html">Regelsæt for projektet</a></li></ul></li><li class="clearfix"><a href="/euro/digital_euro/faqs/html/index.da.html">Ofte stillede spørgsmål</a></li></ul></li><li class="clearfix"><span>Kontanter</span></li><li class="has-subpages"><a href="/euro/cash_strategy/html/index.da.html">Eurosystemets kontantstrategi</a><a href="#" class="subpages" title="toggle subpages for Eurosystemets kontantstrategi"></a><ul><li class="clearfix"><a href="/euro/cash_strategy/cash_role/html/index.da.html">Kontanters rolle</a></li><li class="clearfix"><a href="/euro/cash_strategy/issuance/html/index.da.html">Udstedelse og cirkulation</a></li><li class="clearfix"><a href="/euro/cash_strategy/acceptance-cash/html/index.da.html">Adgang til at hæve og betale med kontanter</a></li><li class="clearfix"><a href="/euro/cash_strategy/faqs/html/index.da.html">Ofte stillede spørgsmål</a></li></ul></li><li class="has-subpages"><a href="/euro/banknotes/html/index.da.html">Eurosedler</a><a href="#" class="subpages" title="toggle subpages for Eurosedler"></a><ul><li class="has-subpages"><a href="/euro/banknotes/future_banknotes/html/index.da.html">Fremtidige eurosedler</a><a href="#" class="subpages" title="toggle subpages for Fremtidige eurosedler"></a><ul><li class="clearfix"><a href="/euro/banknotes/future_banknotes/redesign/html/index.da.html">Nydesign af eurosedlerne</a></li></ul></li><li class="has-subpages"><a href="/euro/banknotes/current/html/index.da.html">Nuværende eurosedler</a><a href="#" class="subpages" title="toggle subpages for Nuværende eurosedler"></a><ul><li class="clearfix"><a href="/euro/banknotes/current/denominations/html/index.da.html">Seddelværdier</a></li><li class="clearfix"><a href="/euro/banknotes/current/design/html/index.da.html">Designelementer</a></li><li class="clearfix"><a href="/euro/banknotes/current/security/html/index.da.html">Sikkerhedselementer</a></li></ul></li><li class="clearfix"><a href="/euro/banknotes/ac/html/index.da.html">Beskyttelse mod forfalskning</a></li><li class="clearfix"><a href="/euro/banknotes/production/html/index.da.html">Seddelproduktion og lagre</a></li><li class="clearfix"><a href="/euro/banknotes/damaged/html/index.da.html">Beskadigede og blækplettede eurosedler</a></li><li class="has-subpages"><a href="/euro/banknotes/environmental/html/index.da.html">Miljø, sundhed og sikkerhed</a><a href="#" class="subpages" title="toggle subpages for Miljø, sundhed og sikkerhed"></a><ul><li class="clearfix"><a href="/euro/banknotes/environmental/pef/html/index.da.html">Produkters miljøaftryk</a></li></ul></li><li class="clearfix"><a href="/euro/banknotes/research/html/index.da.html">Forskning og udvikling</a></li><li class="clearfix"><a href="/euro/banknotes/images/html/index.da.html">Billeder og regler for gengivelse (Images and reproduction rules)</a></li><li class="clearfix"><a href="/euro/banknotes/info/html/index.da.html">Informations- og undervisningsmateriale</a></li></ul></li><li class="has-subpages"><a href="/euro/coins/html/index.da.html">Euromønter</a><a href="#" class="subpages" title="toggle subpages for Euromønter"></a><ul><li class="clearfix"><a href="/euro/coins/2euro/html/index.da.html">2 €</a></li><li class="clearfix"><a href="/euro/coins/1euro/html/index.da.html">1 €</a></li><li class="clearfix"><a href="/euro/coins/50cents/html/index.da.html">50 cent</a></li><li class="clearfix"><a href="/euro/coins/20cents/html/index.da.html">20 cent</a></li><li class="clearfix"><a href="/euro/coins/10cents/html/index.da.html">10 cent</a></li><li class="clearfix"><a href="/euro/coins/5cents/html/index.da.html">5 cent</a></li><li class="clearfix"><a href="/euro/coins/2cents/html/index.da.html">2 cent</a></li><li class="clearfix"><a href="/euro/coins/1cent/html/index.da.html">1 cent</a></li><li class="clearfix"><a href="/euro/coins/common/html/index.da.html">Fælles side</a></li><li class="clearfix"><a href="/euro/coins/comm/html/index.da.html">2-euro-erindringsmønter</a></li><li class="clearfix"><a href="/euro/coins/security/html/index.da.html">Sikkerhedselementer</a></li><li class="clearfix"><a href="/euro/coins/collect/html/index.da.html">Samlermønter</a></li></ul></li><li class="has-subpages"><a href="/euro/changeover/html/index.da.html">Overgang til eurosedler og -mønter</a><a href="#" class="subpages" title="toggle subpages for Overgang til eurosedler og -mønter"></a><ul><li class="clearfix"><a href="/euro/changeover/croatia/html/index.da.html">Kroatien (2023)</a></li><li class="clearfix"><a href="/euro/changeover/lithuania/html/index.da.html">Litauen (2015)</a></li><li class="clearfix"><a href="/euro/changeover/latvia/html/index.da.html">Letland (2014)</a></li><li class="clearfix"><a href="/euro/changeover/estonia/html/index.da.html">Estland (2011)</a></li><li class="clearfix"><a href="/euro/changeover/slovakia/html/index.da.html">Slovakiet (2009)</a></li><li class="clearfix"><a href="/euro/changeover/cyprus/html/index.da.html">Cypern (2008)</a></li><li class="clearfix"><a href="/euro/changeover/malta/html/index.da.html">Malta (2008)</a></li><li class="clearfix"><a href="/euro/changeover/slovenia/html/index.da.html">Slovenien (2007)</a></li><li class="clearfix"><a href="/euro/changeover/2002/html/index.da.html">Den første overgang til eurosedler og -mønter i 2002</a></li></ul></li><li class="has-subpages"><a href="/euro/exchange/html/index.da.html">Omveksling af nationale sedler og mønter</a><a href="#" class="subpages" title="toggle subpages for Omveksling af nationale sedler og mønter"></a><ul><li class="clearfix"><a href="/euro/exchange/au/html/index.da.html">Østrig</a></li><li class="clearfix"><a href="/euro/exchange/be/html/index.da.html">Belgien</a></li><li class="clearfix"><a href="/euro/exchange/hr/html/index.da.html">Kroatien</a></li><li class="clearfix"><a href="/euro/exchange/cy/html/index.da.html">Cypern</a></li><li class="clearfix"><a href="/euro/exchange/et/html/index.da.html">Estland</a></li><li class="clearfix"><a href="/euro/exchange/fi/html/index.da.html">Finland</a></li><li class="clearfix"><a href="/euro/exchange/fr/html/index.da.html">Frankrig</a></li><li class="clearfix"><a href="/euro/exchange/de/html/index.da.html">Tyskland</a></li><li class="clearfix"><a href="/euro/exchange/gr/html/index.da.html">Grækenland</a></li><li class="clearfix"><a href="/euro/exchange/ir/html/index.da.html">Irland</a></li><li class="clearfix"><a href="/euro/exchange/it/html/index.da.html">Italien</a></li><li class="clearfix"><a href="/euro/exchange/lv/html/index.da.html">Letland</a></li><li class="clearfix"><a href="/euro/exchange/lt/html/index.da.html">Litauen</a></li><li class="clearfix"><a href="/euro/exchange/lu/html/index.da.html">Luxembourg</a></li><li class="clearfix"><a href="/euro/exchange/mt/html/index.da.html">Malta</a></li><li class="clearfix"><a href="/euro/exchange/nl/html/index.da.html">Holland</a></li><li class="clearfix"><a href="/euro/exchange/pt/html/index.da.html">Portugal</a></li><li class="clearfix"><a href="/euro/exchange/slovakia/html/index.da.html">Slovakiet</a></li><li class="clearfix"><a href="/euro/exchange/sl/html/index.da.html">Slovenien</a></li><li class="clearfix"><a href="/euro/exchange/es/html/index.da.html">Spanien</a></li></ul></li><li class="clearfix"><a href="/euro/visually/html/index.da.html">For blinde og svagsynede</a></li></ul></div></li><li class="has-subpages" aria-expanded="false"><a href="/pub/html/index.da.html">Forskning</a><a href="#" class="subpages" title="toggle subpages for Forskning"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"><div class="item"> <div class="title">Forskning</div> <p>Dybdegående undersøgelser og ekspertanalyser af forskellige emner og emneområder</p><a href="/pub/html/index.en.html">Overblik over ECB's forskning</a> <hr> <div class="nav-title">Kviklink</div> <ul>  <li><a href="/press/conferences/html/index.en.html">Konferencer & seminarer</a></li> <li><a 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på dansk</div> <div class="title"> <h1>What is T2?</h1> </div> <div class="section"> <p>T2 is the real-time gross settlement (RTGS) system owned and operated by the Eurosystem. Central banks and commercial banks can submit payment orders in euro to T2, where they are processed and settled in central bank money, i.e. money held in an account with a central bank. </p> <p>T2 settles payments related to the Eurosystem’s monetary policy operations, as well as bank-to-bank and commercial transactions. </p> <p>Every five days, T2 processes a value close to the entire euro area GDP, which makes it one of the largest payment systems in the world. More than 1,000 banks use T2 to initiate transactions in euro, either on their own behalf or on behalf of their customers. Taking into account branches and subsidiaries, more than 43,000 banks worldwide and all their customers can be reached via T2. </p> <p>T2 offers enhanced and modernised services to the market. The ISO 20022 messaging standard is used, as is also the case for <a href="/paym/target/t2s/html/index.en.html" data-label="engelsk">T2S</a> and <a href="/paym/target/tips/html/index.en.html" data-label="engelsk">TIPS</a>. The RTGS system is able to facilitate payments in several currencies, if the respective central bank decides to do so. </p> <p>The TARGET Services share several features to improve liquidity management across them and make payments more cost-effective and efficient. </p> <a href="/paym/target/coco/html/index.en.html" data-label="engelsk">TARGET Services shared features</a> <h2>Objectives of T2 </h2> <ul><li>Support the implementation of the Eurosystem’s monetary policy and the functioning of the euro money market</li><li>Minimise systemic risk in the payments market, i.e. the possibility of a single actor causing an entire market to collapse</li><li>Ensure the efficient processing of payments in euro</li></ul> <p>By meeting these objectives, T2 enables payments to flow safely and efficiently across Europe, and contributes to the stability of the euro.</p> <h2>How does T2 work? </h2> <p>Payment orders are submitted to the platform for processing and are settled one by one on a continuous basis in central bank money, with immediate finality. There is no upper or lower limit for their value. T2 is used by central banks and commercial banks for monetary policy transactions, interbank payments and commercial payments. </p> <p>The availability and cost of liquidity are two crucial issues for the smooth processing of payments in RTGS systems. T2 has a range of features allowing efficient liquidity management, including payment priorities, timed transactions, liquidity reservation facilities, limits, liquidity pooling and optimisation procedures. It also shares several features with the other TARGET Services to improve liquidity management across them.</p> <p>T2 is open for the processing of payments every working day. The system is closed on the following days:</p> <ul><li>1 January (New Year's Day)</li><li>Good Friday</li><li>Easter Monday</li><li>1 May (Labour Day)</li><li>25 December (Christmas Day)</li><li>26 December</li></ul> <h2>Participation </h2> <p>T2 is used to carry out monetary policy operations in the euro area. The central banks of EU Member States which have not yet adopted the euro also have the option to participate in T2 and settle transactions in euro via the platform. Its multi-currency feature allows settlement in other currencies should the respective central bank decide to do so.</p> <p>Other financial institutions can connect to T2 via a participating central bank. They can choose from several different access options:</p> <ul><li><strong>Direct participant</strong>: a financial institution established in the European Economic Area (EEA) that holds an RTGS account in central bank money in T2, sends and receives payments on its own behalf or on behalf of its customers</li><li><strong>Multi-addressee access</strong>: branches and subsidiaries of a direct participant in the EEA that are authorised to channel payments through the account of the direct participant</li><li><strong>Addressable BIC</strong>: a correspondent of a direct participant that holds a Bank Identifier Code (BIC), irrespective of its place of establishment</li></ul> <h2>Pricing </h2> <p>The RTGS system is subject to two pricing schemes: the <strong>RTGS core pricing scheme</strong>, which applies to payment banks and central banks with regard to the processing of payment orders and liquidity transfers, and the<strong> ancillary system pricing scheme</strong>, which applies to ancillary systems settling. </p> <p>Under each of the two pricing schemes, participants can choose between a lower fixed monthly fee plus a fixed transaction fee; or a higher fixed monthly fee plus a volume-based transaction fee (i.e. a fee that gradually reduces as the number of transactions increases). </p> <p>The <a href="/paym/target/coco/shared/docs/ecb.pricingcoco_target.en.pdf" data-label="engelsk">TARGET Services pricing guide</a> provides users with a comprehensive overview of the pricing schemes and a detailed guide to the billing principles that apply to the various types of transactions, as well as to the entities to be invoiced. </p> <h2>TARGET and TARGET2: the predecessors of T2 </h2> <p>In response to changing market demands, the Eurosystem launched a review of its RTGS services in December 2017. The objective was to consolidate the technical and functional aspects of the predecessor to T2, TARGET2, and <a href="/paym/target/t2s/html/index.en.html" data-label="engelsk">T2S</a>, with the aim of improving efficiency and reducing operating costs. </p> <p>TARGET2 remained in operation until March 2023 when T2 was launched. </p> <p>TARGET2 was running smoothly for over a decade, ensuring safety and efficiency in European payments. However, payments changed significantly during this period due to technological developments, new regulatory requirements and changing consumer demands. </p> <p>TARGET2 replaced the first-generation RTGS system for the euro. TARGET commenced operations on 4 January 1999, a few days after the launch of the euro. The single currency needed a payment service to support monetary policy operations and to settle euro payments across national borders in the EU. </p> <p>TARGET was built by linking together the different RTGS structures that already existed at national level as there was not sufficient time to develop a single system. However, this decentralised structure proved inefficient and costly in the long term. The Banque de France, Deutsche Bundesbank and Banca d'Italia were given the tasks of developing the new platform and acting as a service provider on behalf of the Eurosystem. TARGET2 was launched on 19 November 2007 and fully replaced the first-generation TARGET by May 2008. </p> <a href="/press/pubbydate/html/index.da.html?topic=Payment%20systems?skey=TARGET%20Annual%20Report">TARGET Annual Reports</a> <a href="/paym/target/target2/facts/html/index.en.html" data-label="engelsk">TARGET2 facts and figures</a> </div> <div class="in-this-section" id="pages-in-section-holder"> <h3>Alle sider i dette afsnit</h3> <div class="content-box"> </div> </div> </main> </div> <div id="feedback" class="hidden"> <div class="content-box"> <div class="initial"> <div class="title">Levede denne side op til dine forventninger?</div><a class="button -inverted-color" id="feedback-yes">Ja</a> <a class="button -inverted-color" id="feedback-no">Nej</a></div> <div class="second hidden"> <div class="title">Hvorfor ikke?</div><a class="button -inverted-color" id="feedback-broken">Siden fungerer ikke</a> <a class="button -inverted-color" id="feedback-content">Oplysningerne er uinteressante</a> <a class="button -inverted-color" id="feedback-design">Designet er kedeligt</a> <a class="button -inverted-color" id="feedback-other">Andet</a></div> <div class="final hidden"> <div class="title">Tak for din tilbagemelding!</div> </div> </div> </div> <footer id="ecb-doc-footer"> <div class="ecb-footerTop"> <div class="sitemap"><a href="/home/sitedir/html/index.en.html" title="Site Directory">Site directory</a></div> <div class="socialLinks"><a class="inline-link" href="/home/socialmedia/html/index.en.html" title="Officielle sociale mediakanaler">FØLG OS</a> <a href="http://twitter.com/ecb" class="twitter" title="X"></a> <a href="https://www.linkedin.com/company/european-central-bank" class="linkedin" title="LinkedIn"></a> <a href="https://www.instagram.com/europeancentralbank/" class="instagram" title="Instagram"></a> <a href="https://www.youtube.com/user/ecbeuro" class="youtube" title="YouTube"></a> <a href="https://www.flickr.com/photos/europeancentralbank/sets/" class="flickr" title="Flickr"></a> <a href="https://soundcloud.com/europeancentralbank" class="soundcloud" title="SoundCloud"></a> <a href="/rss" class="rss" title="RSS-news feeds"></a></div> </div><div class="ecb-footerBottom"><p><span>Copyright 2024, </span>Den Europæiske Centralbank</p> <div class="ecb-serviceNavigation"> <div class="ecb-serviceNavigationBox"> <div class="ecb-serviceNavigationBoxTitle">Nyttige link</div> <div class="ecb-serviceNavigationBoxLinks"> <ul> <li><a href="/careers/vacancies/html/index.en.html">Karriere og Job</a></li> <li><a href="/services/glossary/html/index.en.html">Ordliste</a></li> <li><a href="/services/links/html/index.en.html">Andre institutioner</a></li> </ul> </div> </div> <div class="ecb-serviceNavigationBox"> <div class="ecb-serviceNavigationBoxTitle">Sådan bruger du vores websted</div> <div class="ecb-serviceNavigationBoxLinks"> <ul> <li><a href="/services/disclaimer/html/index.en.html">Ansvarsfraskrivelse & Copyright</a></li> <li><a href="/services/data-protection/privacy-statements/website/html/index.en.html">Databeskyttelseserklæring</a></li> <li><a href="/services/languagepolicy/html/index.en.html">Sprogpolitik</a></li> </ul> </div> </div> <div class="ecb-serviceNavigationBox"> <div class="ecb-serviceNavigationBoxTitle">Virksomhedspolitik</div> <div class="ecb-serviceNavigationBoxLinks"> <ul> <li><a href="/services/data-protection/html/index.en.html">Databeskyttelse</a></li> <li><a href="/ecb/access_to_documents/html/index.en.html">Aktindsigt</a></li> </ul> </div> </div> <div class="ecb-serviceNavigationBox"> <div class="ecb-serviceNavigationBoxTitle">Kontakt</div> <div class="ecb-serviceNavigationBoxLinks"> <ul> <li><a href="/services/contacts/html/index.en.html">Kontaktinformation</a></li> <li><a href="/services/contacts/address/html/index.en.html">Adresse</a></li> <li><a href="/services/contacts/working-hours/html/index.en.html">Kontortid</a></li> </ul> </div> </div> </div> </div>  </footer> <style> [data-count]{ position: relative; 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