Dutch banks are poised to recommend their clients always keep cash money hidden at home, because of the risk that payment systems may be disrupted because of mounting geopolitical tensions.

The Dutch central bank (DNB)said on Wednesday that the chance of a cyber attack on important infrastructure is increasing, particularly from Russia. If the digital payment system is disrupted, then people will no longer be able to pay for goods by bank card, or transfer money automatically.

The central bank does not suggest how much cash people should keep at home, but says it will come with more detailed recommendations about the best way to organise your finances if there is a problem with the payment systems in the New Year.

In Sweden households are recommended to keep enough cash for a week’s shopping at home, the Telegraaf said, which would be €167 for a two-person household.

Family spending institute Nibud says people should have enough cash for a couple of days, and to include petrol and other items in the total.

The insurance association VvV warns, however, that between €250 and €500 in cash is usually insured, but no more.

Last week the government said it planned to take more steps to ensure the country can withstand a major armed conflict or other crises, such as a pandemic or long-lasting collapse in essential services.

This will include telling all Dutch households to have emergency supplies on hand – such as sufficient food and a radio – as they did during the Cold War.

In fact, the use of cards to make payments outstripped cash in the Netherlands in 2017 and just 20% of payments in the Netherlands are now made with notes and coins.