Where to store cash: the most profitable and convenient options

The global situation is rapidly changing, and the question of where to store cash is becoming increasingly pressing for those who hold it.

Moreover, we are talking specifically about cash, since in this case everything is much more complicated than if you kept money in your bank account.

Everyone has their own reasons for choosing cash, but let's talk about the best way to store cash today to avoid potential problems in the future.

First of all, you should pay attention to the availability of options, that is, what currency can be bought and sold today, since this is the main indicator of liquidity .

When it comes to cash, you should not get carried away with exotic currencies such as the Chinese yuan, Japanese yen, or Canadian dollar, even if you have the opportunity to purchase such monetary units.

The most liquid currencies in 2025-2026

 If we talk about Ukraine, today the most liquid currencies are the US dollar, the euro, the Polish zloty and the British pound. 

In other countries, the euro and dollar also remain leaders, but the next most popular currencies may vary depending on the country.

So, it seems like the choice here is obvious: buy euros and dollars and put them under your pillow at home for a rainy day, but this is not entirely true if you want to save money for the long term.

Exchange of old banknotes

Following the Swiss franc, other countries are beginning to consider exchanging old banknotes for new ones, while removing previously issued banknotes from circulation. This approach is highly beneficial for the economies of these countries, as it reduces the amount of money in circulation, as not everyone can exchange them in a timely manner.

It would seem like there's nothing to worry about—just go and exchange your withdrawn dollars or euros for new ones and put them back under your pillow. But if you miss the exchange deadline, you'll have to pay a hefty bank fee to accept the old bills. In some cases, this fee can exceed 20%, or you'll have to travel to the currency's issuing country.

Where should you store cash today?

The most convenient option is still the same US dollars and euros, but you should exchange old banknotes for the latest issue banknotes in advance.

As of 2025, these are still 2017 US dollars

And the euro currency of 2019

By keeping the latest banknotes, you will eliminate the need to exchange them for the next 5 years.  

The best option for storing money for the long term

If we talk about my personal preferences and the buy-it-and-forget-it option, then I would still choose gold bars of small denomination.

Such savings can be kept for up to 100 years without worrying about them depreciating or going out of circulation. It's more of an investment than just a safe haven, as gold's price is constantly rising.

The most liquid gold bars in this case are those weighing 10-20 grams; they are readily accepted by both pawnshops and banks.

Moreover, the price of a 10-gram bar is not that high today, around $900. An alternative option is to buy gold online on the exchange .