Commercial banks had received euro banknotes and coins in advance from the Estonian Central Bank and had in turn supplied euro cash to shops and other businesses under a specific contract, so that they can handle payments and return change in euro as from the first changeover day.
Eesti Pank oli kommertspangad varakult euromüntide ja pangatähtedega varustanud ning need edastasid euro sularaha kauplustele ja muudele ettevõtetele lepingu alusel, et eurodes saaks makseid teha ja vahetusraha anda kohe ülemineku esimesel päeval.