The Reserve Bank's emphasising the importance of cash services being free-of-charge.

It's proposed requiring the banking sector to provide accessible full-cash services across the country - at $104 million a year.

The plan ensures those in urban areas can walk to get cash, and the drive for those living rurally is reasonable. 

Money and Cash Director Ian Woolford says people don't expect to pay to deposit or withdraw cash. 

"Communities need easier access to cash, closer to home...what we've learned, partly, from those cash trials is that this is what communities need." 

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