commiss recommend octob measur facilit prepar econom oper changeov euro commiss european commun regard treati establish european commun articl thereof transit period creation euro physic introduct coin note order econom oper prepar cash changeov enabl consum accustom express price valu survei studi carri euro zone point delai prepar econom oper citizen currenc member state author public administr kei role plai rais awar improv inform currenc user view speed prepar cash changeov full made year order stimul prepar spread technic effort involv changeov provis commiss recommend ec april bank charg convers euro clarifi recommend articl inform futur user member state ensur citizen inform arrang changeov euro inform drive time special effort made favour access inform difficult person experienc econom social hardship senior citizen person suffer physic sensori mental handicap public administr provid busi sme precis inform timet changeov relev legal tax account rule public administr social educ sphere plai activ part dissemin inform physic introduct euro citizen prepar trade associ euro info centr chamber trade commerc account busi advis ensur busi contact make prepar carri transact euro januari bank inform custom practic consequ end transit period draw attent fact longer make scriptur payment account nation currenc unit decemb busi action rais awar employe organis train member staff contact public articl help citizen accustom euro quarter latest price set euro equival nation currenc unit case mail order distanc sell sale outlet scriptur payment predomin sale receipt show equival nation currenc unit total paid public administr busi earli pai employe wage salari euro indic equival final amount nation currenc unit payslip show amount nation currenc unit euro wage negoti manag labour conduct euro advic payment retir pension earli show amount nation currenc unit euro pension paid euro indic equival final amount nation currenc unit public administr insur compani util compani water ga electr set tariff euro quarter invoic equival nation currenc unit final amount paid articl encourag econom oper gain experi euro bank account mean scriptual payment chequ transfer form card custom expressli request chang nation currenc unit euro begin quarter bank statement show equival nation currenc unit eletron point sale termin process transact euro date econom oper distribut trade tourism invit run target promot campaign view stimul euro articl reduc flow transact convert euro open end contract employ contract conclud drawn euro fix term contract leas loan agreement conclud due expir januari drawn euro govern local author contract conclud paid euro compani establish encourag denomin capit euro view reduc amount monei physic exchang consum encourag deposit surplu cash hold end decemb member state encourag stock coin good time articl facilit cash changeov euro period dual circul bank particip member state exchang custom nation note coin note coin euro free charg limit subject period notic amount exchang exce ceil set bank household amount person custom bank exchang nation note euro note free charg ceil set bank arrang made enabl citizen exchang nation note coin euro commerci bank financi institut time end dual circul period member state make arrang ensur coin exchang offici institut ceas legal tender long holder coin live abroad return facilit give chang suffici quantiti small note made cash dispens suitabl mean earli dai member state trade associ chamber commerc encourag trader artisan member profess give chang exclus euro begin januari public administr ensur specif measur facilit changeov euro note coin peopl access inform difficult bank account articl final provis member state invit support implement recommend articl address recommend address member state bank enterpris trade associ consum organis euro zone brussel octob commiss pedro solb mira member commiss oj