CBK Warns Against Cash Flower Bouquets as Decorative Trend Grows
The Central Bank of Kenya (CBK) has issued a strong warning to the public over the growing trend of using Kenya Shilling banknotes for decorative and celebratory displays, saying the practice damages currency and disrupts cash circulation.
In a public notice dated February 2, 2026, the CBK said it has observed an increase in the use of banknotes to create so-called “cash flower bouquets”, ornamental gift arrangements, and other decorative displays, particularly during celebrations such as birthdays, weddings, graduations, and anniversaries.
According to the regulator, these practices compromise the integrity of Kenyan currency and interfere with the efficient processing and circulation of cash within the financial system.
Why CBK Is Concerned
The CBK explained that in many cases, banknotes used for decorative purposes are:
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Folded or tightly rolled
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Glued or taped together
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Stapled, pinned, or tied with wires and strings
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Affixed using adhesives and other fastening materials
“These actions cause physical damage to the banknotes, rendering them unfit for circulation,” the bank said.
Damaged notes often cannot be processed by automated cash-handling machines used by banks and businesses, increasing costs related to sorting, verification, and replacement.
Impact on the Economy
The CBK noted that defacing currency leads to:
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Increased replacement costs borne by taxpayers
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Disruptions in cash handling and circulation
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Reduced lifespan of banknotes
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Operational challenges for banks, traders, and the public
The regulator emphasized that maintaining clean, intact currency is essential for public confidence in the monetary system and for smooth day-to-day transactions.
Legal and Public Responsibility Reminder
While many Kenyans view cash bouquets as harmless or creative gifts, the CBK reminded the public that banknotes are legal tender and national property that should be handled with care.
The bank urged individuals, event planners, florists, and businesses to avoid using banknotes for decorative or ornamental purposes and instead opt for alternative gift ideas that do not involve damaging currency.
CBK’s Message to Kenyans
The Central Bank reiterated its commitment to safeguarding the integrity of the Kenya Shilling and called on the public to treat banknotes responsibly.
“Preserving the quality of currency in circulation is a shared responsibility,” the CBK said, adding that respectful handling of money supports a stable and efficient financial system.