Is Money Dirty? (2024)

Is money dirty? The money that we use daily is filthy. There are thousands of bacteria on money because of the large number of people who handle money daily, the many objects they touch, and the different environments in which money circulates. Studies have found that money changes hands a minimum of 55 times in a single year. Surprisingly, a large number of dollar bills tested in the United States have been shown to have traces of cocaine on them, as dollar bills are used to inhale the narcotic.You might want to think about employing a bill counting machine to reduce your direct exposure to potentially contaminated money. How dirty is money? How dirty are coins? Here’s a look at the answers to those questions, as well as some advice on how dirty are coins and how to clean dollar bills.

Is Money Dirty? (1)

How Much Bacteria is on Money?

Although all money is dirty, US currency is particularly unsanitary as it is 75% cotton and 25% linen - creating fertile ground for germs to land. As more research is pointing towards how filthy money can be, the question, “can you get sick from handling money?” often arises. However, paper money does not have the ideal moisture conditions nor temperature to ensure that bacteria will multiply. Rather, the absorbent nature of money makes it harder for germs to be transmitted from one note to the next, making it very unlikely to get ill from handling money. However, it is still a good habit to wash your hands after handling paper bills, as the germs cling to the note that they are on and can spread to your hands. Money acts as the perfect vessel to transport germs and leave these germs on surfaces accessible to the general public such as door handles and elevator buttons.

A Closer Look at the Germs on Money

Money carries a variety of germs including bacteria, viruses, and protozoa. Researchers analyzed paper currency under a microscope and found that the most common microbe present on paper money was propionibacterium acnes - the bacteria that causes acne breakouts. Both paper notes and coins can harbor germs. Another study found that a superbug, S. aureus (MRSA), can live on coins.

How to Prevent the Spread of Pathogens

Preventing the spread of pathogens is the most effective way to curb the spread of infectious diseases. The COVID-19 pandemic has shown the whole world what can happen if the spread of pathogens gets out of control. The World Health Organization (WHO) encourages preventative measures for avoiding COVID -19 such as hand washing, sanitizing surfaces correctly, and getting vaccinated.

Is Money Dirty? (2)

Different measures are required to contain the movement of pathogens in certain circ*mstances:

  1. Cleaning surfaces - Use disinfectants that target fungi and bacteria.
  2. Personal hygiene - Wash regularly with soap to remove any pathogens that may be present on your skin. When sneezing or coughing, always try to do so into a tissue or into your elbow to prevent the spread of pathogens that may be present in the droplets.

Tips on How to Disinfect Money

  1. Use an alcohol wipe on your credit card or debit card - This is regarded as a preferred payment method by the centers for disease control (CDC) as the owner of the card is the only person that should be handling it. Although it may seem ideal in theory, in practice it is harder to prevent germs from getting onto your card as it still has to come into close contact with the POS terminal. Do not use hand sanitizer on any of your cards as it may damage them during the drying process. Alcohol wipes are a far better option to ensure that your cards are sufficiently sanitized.
  2. Sanitize your coins - Coins may be cleaned with sanitizing wipes or may be washed in warm water with soap. The latter option is recommended as it has been proven to be the best option to break up pathogens such as COVID-19. If this method is not available, alcohol wipes and hand sanitizer are still good alternatives.
  3. Dry your dollar bills in the sun - Wetting or washing your dollar bills is never a good idea. Rather, leave them out in the sunshine. UV light has been proven to combat viruses such as COVID-19 as it can break apart the bonds that form viruses and bacteria. UV sterilizer machines utilize UV-C technology to sterilize a wide variety of household objects.
  4. Wash your hands - Always make sure that you are washing your hands frequently throughout the day to prevent getting any germs and bacteria onto your money. If soap and water are not immediately available, hand sanitizer is a good alternative to ensure that your hands are always clean and the likelihood of passing on any germs is low.

Conclusion

Money has been around for centuries and is something that we come into contact with daily. Naturally, the fact that money continuously changes hands means that currency all across the world comes into contact with a multitude of different germs and bacteria. The COVID-19 pandemic has shown how rapidly pathogens can spread and how important it is to take precautionary measures that help to mitigate and prevent the spread of disease. Money can be sanitized in a variety of different ways, depending on whether paper notes or coins are being cleaned. In recent years there has been a significant increase in people choosing contactless payment as an alternative payment option. The popularity of this payment method will likely rise in the future as people continue to become more vigilant about the germs that we come into contact with daily.

Is Money Dirty? (2024)

FAQs

Is Money Dirty? ›

It's true that dollar bills may carry germs, but fortunately, these germs are usually harmless. Generally, the germs found on paper currency are the same kind of germs that are found in everyday environments.

Is money dirty or clean? ›

Paper money can reportedly carry more germs than a household toilet. And bills are a hospitable environment for gross microbes: viruses and bacteria can live on most surfaces for about 48 hours, but paper money can reportedly transport a live flu virus for up to 17 days.

Why do people say money is dirty? ›

Paper money can harbor thousands of microbes from every environment it touches—whether that's someone's fingers, a waiter's apron, a vending machine or the dank area under someone's mattress.

How much money is dirty? ›

The researchers found that 79 percent of dollars in the United States are tainted with cocaine, with amounts ranging from nanograms to milligrams. A study published in 2022 in Science & Justice found that cocaine can persist on the surface of paper and polymer banknotes for even after extensive handling.

Is handling money dirty? ›

After studying the bacterial levels on currency in their nations, New Zealand and Australian researchers found relatively low bacterial counts on their currency and coins. However, they did detect salmonella, E. coli and staphylococcus.

What exactly is dirty money? ›

Money laundering is the process of making illegally-gained proceeds (i.e., "dirty money") appear legal (i.e., "clean").

Do banks accept dirty money? ›

If proper advance notification of a contaminated currency deposit does not occur, or if proper packaging requirements are not met, the Federal Reserve Banks reserve the right to return the deposit to the financial institution. For more information, contact your local Cash office.

What is unclean money? ›

Money laundering is an illegal activity that makes large amounts of money generated by criminal activity, such as drug trafficking or terrorist funding, appear to have come from a legitimate source. The money from the criminal activity is considered dirty, and the process “launders” it to look clean.

What is dirtier than money? ›

Key findings. Smartwatches are dirtier than your phone, cards or cash – with a germ level of 902, three times above the national institute cleanliness maximum of 250.

What is the dirtiest dollar bill? ›

Lower-denomination bills are used more often, so studies suggest our ones, fives and tens are more likely to be teeming with disease-causing bacteria.

Who created dirty money? ›

Created by Oscar-winning filmmaker Alex Gibney, known for his documentaries on Enron, Wikileaks, Scientology and more.

How to clean dirty money? ›

Steps to clean banknotes
  1. Unfold the notes one by one. Then wash with soap/dish soap or baby laundry detergent Do not soak for a long time because it can affect the paper texture.
  2. Use the cloth to dry one by one.
  3. Sunlight until completely dry on both sides before storing it in a dry and closed container.

What is the legal term for dirty money? ›

Money laundering is the process of making illegally-gained proceeds (i.e. "dirty money") appear legal (i.e. "clean"). Typically, it involves three steps: placement, layering and integration. First, the illegitimate funds are furtively introduced into the legitimate financial system.

Do people actually clean money? ›

Money laundering is a process that criminals use in an attempt to hide the illegal source of their income. By passing money through complex transfers and transactions, or through a series of businesses, the money is “cleaned” of its illegitimate origin and made to appear as legitimate business profits.

Should I wash my hands after touching money? ›

Money is known to carry germs, both on paper currency and coins. Paper money is considered a fomite, which is an inanimate object that is likely to carry pathogens. There is no perfect way to sanitize money, but you can protect yourself with gloves or hand washing.

Is dirty money traceable? ›

This is because the money is linked directly to the crime and can be traced. Due to this, criminals need to 'clean' the money so that it appears legal and can be used for investments. For money laundering to be successful, the dirty money must enter the financial system.

Is money actually washed? ›

Money laundering involves disguising financial assets so they can be used without detection of the illegal activity that produced them. Through money laundering, the criminal transforms the monetary proceeds derived from criminal activity into funds with an apparently legal source.

What's dirtier, cell phone or money? ›

Cell phones are 146% dirtier than the minimum hygiene standard of 250. Although still failing the minimum standard of cleanliness, the average card is 38.4% cleaner than your phone. The only dollar bill to pass the minimum standard of cleanliness was the $50 bill.

Which is dirtier, coins or bills? ›

On average, US$5 bills were the dirtiest, with an average germ score of 216 while US$100 bills were the cleanest carrying 76 as a score. Testing out 12 different US dollar. More coins, the average germ score for one was 136 – making it the cleanest of all average payment.

What has the most germs on it? ›

Frequently touched surfaces and items around your home (or personal office) that germs can live on include:
  • Cabinet handles.
  • Countertops.
  • Doorknobs, door handles and faucet handles.
  • Light switches.
  • Handheld electronics.
  • Phones (including your smartphone)
  • TV remotes.
  • Computer keyboard and mouse.
Jun 12, 2023

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