Abstract
Introduction
Money, whether in the form of coins or paper currency, is one of the most widely handled items globally, facilitating countless daily transactions across socioeconomic and cultural settings.1,2 Owing to its ubiquity and frequent handling, money serves as a potential reservoir and vehicle for microbial contamination, harboring various pathogens, including bacteria, viruses, fungi, and protozoa.3 -7 The association of money with disease transmission is not a new concept. Historically, currency has been implicated in the spread of deadly pandemics, such as the “black death” or bubonic plague, which devastated populations in medieval times.3,8 However, despite these longstanding concerns, the global extent, distribution, and organism-specific patterns of microbial contamination on currency remain poorly synthesized, with evidence scattered across regions and pathogen groups.
In modern times, concerns about microbial contamination have intensified, particularly during the COVID-19 pandemic, which highlights the significance of the surface-to-human transmission of pathogens. 9 First, paper bills offer a large surface area for organisms and organic debris to collect. 10 Second, folds and/or deliberate depressions or projections specifically engineered into bill designs as anticounterfeiting methods serve as settling sites for both organisms and debris, which allows microorganisms to live longer. 11 Finally, banknotes weave their way through the population for many years before they come to rest. 11
The extent and type of microbial contamination of money are influenced by several factors, including environmental conditions, seasonal variations, material composition, and hygiene practices within the population. Studies indicate that the age and denomination of a bill are directly correlated with the degree of contamination observed. 12 Dirty or damaged notes, for example, harbor significantly higher microbial loads than clean or mint notes do.13 -15 Local community flora and socioeconomic activities also contribute to the microbial diversity present in currency, further complicating its role in disease transmission.16,17
The possibility that currency might serve as a vehicle for transmitting pathogenic microorganisms was first suggested in the 1970s. 18 Since then, a growing body of literature has documented the presence of diverse microorganisms in currency notes.3,5,6,16 These pathogens contribute significantly to the global antimicrobial resistance crisis, which has claimed millions of lives annually despite significant investments in healthcare interventions.19,20 However, despite decades of research, a global synthesis of these findings is lacking. Data from such studies are essential in the development of public health policies that will help reduce the spread of pathogens through money, particularly in regions where cash continues to play a central role in daily transactions. To fill this gap, we conducted the first global systematic review and meta-analysis aimed at comprehensively evaluating the prevalence and types of microbial contamination on money and possible mitigation strategies to reduce the public health burden.
Methodology
This systematic review was conducted and reported in accordance with the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) guidelines. 21
Search Strategy
A systematic and exhaustive search of the relevant literature was conducted between November 15th and 26th, 2024. The electronic databases PubMed, Web of Science, Scopus, and Google Scholar were systematically explored, with a focus on studies published up to December 2024. The search on Google Scholar was limited to the first 6 fields. Keywords and Medical Subject Headings (MeSH) terms used for the search included combinations of “microbial contamination,” “bacterial contamination,” “viral contamination,” “parasite contamination,” and “fungal contamination” paired with descriptors such as “currency,” “banknotes,” “coins,” “paper money,” “fomite,” and “money.” The final search string was (“microbial contamination” OR “bacterial contamination” OR “viral contamination” OR “fungal contamination” OR parasite contamination”) AND (“currency” OR “banknotes” OR “coins” OR “paper money” OR “money” or “fomite”). Studies were included regardless of their design. Articles were restricted to the English language. In addition to direct searches, citations of identified studies and database-suggested similar articles were screened to ensure completeness. Gray literature, including conference abstracts, theses, and unpublished data, was excluded to prioritize peer-reviewed sources. The study selection process was documented, with all steps recorded in a PRISMA flow diagram (Figure 1).

Number of records identified, screened, excluded, and included at each stage of the systematic review, following PRISMA guidelines.
Study Selection
All records retrieved from the systematic search were imported into Rayyan software 22 for efficient management and screening. Two independent reviewers evaluated the records using predefined eligibility criteria to ensure consistency and minimize bias. Studies were included if they provided qualitative or quantitative data on the microbial contamination of money, including banknotes, coins, and other currency types. The eligible study designs included cross-sectional, longitudinal, and prospective studies. Only full-text articles published in English were considered. The publications excluded from the review included reports, case-control studies, commentaries, letters to editors, preprints, review articles, and textbooks. Additionally, studies that failed to specify the sample size of the currency examined and did not report the number of positive samples were excluded. A positive sample was defined as any detectable microbial growth (bacterial, fungal, or parasitic), regardless of colony forming unit count. Studies that considered only 1 organism were excluded to avoid selection bias and ensure broader comparability across studies assessing general microbial contamination. Articles without primary data or those investigating subjects unrelated to money were also omitted. The process was carefully documented to ensure transparency. The Zotero reference management tool (Version 6.0.30, Corporation for Digital Scholarship) was used to organize references and facilitate access to full-text articles. Discrepancies between the reviewers were resolved through consultation with 2 senior authors (ESD and PBTQ), ensuring a consensus-based approach to selection.
Data Extraction
A standardized data extraction form was created for this study in Microsoft Excel 2013. Two reviewers (P.O.A. and A.O.) independently extracted data from the eligible studies for review. The key data points extracted from each study included the following: citation details, type of currency, microbial species isolated, number of currency samples collected and those testing positive, percentage positivity, sampling techniques, microbial identification methods, culture media, and broth used, incubation conditions, geographic region, additional data type of currency (coins or paper) and appearance of currency (very dirty, dirty, and clean). The percentages were standardized as whole numbers to ensure consistency across datasets. All disagreements were resolved through discussion. A third reviewer (E.S.D.) also confirmed the extracted data in an attempt to minimize bias.
Quality Assessment
The quality of the included studies was assessed via the 18-item Strengthening the Reporting of Observational Studies in Epidemiology (STROBE) checklist. 23 Two independent reviewers (POA and AO) conducted the evaluation, and any disagreements were resolved through discussion and, where necessary, by consulting a senior author (PBTQ).
The key domains from the STROBE checklist used for the assessment included the following:
Title and Abstract: Clarity and coherence in presenting the study objectives, background, and summary of findings.
Introduction: Justification of the study, with a clear explanation of the research rationale and objectives.
Methods: Appropriateness of the study design, description of the setting, participant recruitment, data sources and measurements, handling of variables, mitigation of potential biases, determination of the study size, and use of statistical methods.
Results: Through the reporting of descriptive and outcome data, the results were presented in a transparent and logical manner.
Discussion: Interpretation of key findings, acknowledgment of limitations, and consideration of the generalizability of the results.
Other Information: Disclosure of funding sources and any conflicts of interest.
Each study was scored on the basis of its adherence to these criteria, with quality scores ranging from 9 to 14. The scoring system for quality appraisal and the assessment of the included studies are provided in Supplemental Document 1.
Data Synthesis and Meta-Analysis
A random-effects meta-analysis was performed to pool the prevalence estimates of microbes (bacteria, parasites and fungi) on money. Subgroup analyses were conducted on the basis of factors such as microbial type (bacteria, fungi and parasites), currency type (banknotes vs coins), and money condition/appearance (old or visibly dirty and moderately dirty). Heterogeneity was assessed via the
Results
Search Results
A total of 1078 records were identified through database searches (PubMed, Web of Science, Google Scholar, and Scopus), with an additional 31 records obtained through citation and related-article searches. After removing 414 duplicates, 664 unique records were screened by title and abstract, resulting in the exclusion of 588 that did not meet the inclusion criteria. Of the 76 full-text articles retrieved, 13 could not be accessed or were deemed irrelevant. The remaining 63 articles were assessed in detail, and 28 were excluded for reasons such as inadequate data, poor representativeness, or limited relevance. In total, 35 studies met the eligibility criteria and were included in the systematic review (Figure 1).
Study Characteristics
A total of 35 studies1,2,5 -7,13 -18,24 -46 from 14 countries were included in this review (Table 1). The geographic distribution of the studies reflects a global concern regarding microbial contamination of money, with the majority of the studies conducted in developing countries. Nigeria contributed the greatest number of studies (13), followed by India (6). Other countries represented include Ghana, Iraq, Egypt, Pakistan, Brazil, Poland, the United States, Yemen, Libya, Cameroon, Mexico, and Iran. 11 The present study focused exclusively on bacterial contamination. Three studies investigated fungal contamination alone,6,34,37 whereas 13 studies examined parasitic contamination exclusively.2,5,13,32,38,40 -42,44 -48 Two studies reported both bacterial and parasitic contamination,28,43 and 6 studies investigated both bacterial and fungal contamination.15,18,26,33,35,36 Although viral contamination was included in the search strategy, no eligible studies assessing viral presence in currency were identified. Five studies provided distinct information on the microbial contamination of paper money and coins. Two studies also provided distinct information on microbial contamination on the basis of the condition or appearance of the money. The studies utilized samples from a diverse range of environments and occupational groups, including markets, hospitals, grocery stores, butchers, food vendors, public transport systems, beggars, bus conductors, and roadside mechanics. Sample sizes vary widely, ranging from as few as 30 samples 29 in India to as many as 519 samples 38 in Iran. Paper currency was the predominant focus, with denominations ranging from low-value notes such as ₦5 (Nigeria) and INR 10 (India) to higher-value denominations such as the 100 000 Iranian Rials and 1000 Yemeni Rials. Five studies categorized currency on the basis of its physical condition, identifying notes as new, moderately used, or old. The full details of the study characteristics are provided in Supplemental Document 7.
Pooled Prevalence of Individual Fungal Species Isolated from Contaminated Currency.
Microbial Contamination of Money: Pooled Prevalence and Distribution
The meta-analysis revealed that 12.8% (95% CI: 10.9-14.7) of the examined money samples carried microbial (bacteria, fungi and parasites) contaminants. Among the identified contaminants, bacteria 14.0% (95% CI: 11.1-16.8), fungi 17.0% (95% CI: 12.1-21.8), and parasites 9.7% (95% CI: 6.8-12.7) were frequently isolated (Figures 2-4).

Pooled prevalence of bacterial contamination.

Pooled prevalence of fungal contamination.

Pooled prevalence of parasitic contamination.
Prevalence of Individual Fungal Species Isolated from Contaminated Currency
Fungal contamination was reported in 9 studies, with 27 unique fungal taxa identified (Table 1). Among the fungal organisms reported in currency contamination studies,
Prevalence of Individual Bacterial Species Isolated from Contaminated Currency
Bacterial contamination was reported in 19 studies, identifying over 40 distinct bacterial organisms (Table 2).
Pooled Prevalence of Individual Bacterial Species Isolated from Contaminated Currency.
Prevalence of Individual Parasitic Species Isolated from Contaminated Currencies
Parasites were reported in 15 studies, with
Pooled Prevalence of Individual Parasitic Species Isolated from Contaminated Currency.
Microbial Contamination of Money by Currency Type and Physical Condition
Currency type was found to influence the degree of microbial contamination. Paper money presented a higher pooled contamination prevalence 21.3% (95% CI: 13.0-29.6) than did coins 14.8% (95% CI: 4.3-25.3) on the basis of 5 studies each (Table 4). When stratified by microbial group, bacteria were the most frequently identified pathogens on both money types, with a slightly higher pooled prevalence on coins 26.4% (95% CI: 8.6-44.2) than on paper notes 23.7% (95% CI: 9.5-37.8). Parasitic contamination was substantially more prevalent on paper currency (18.1%; 2 studies) than in coins 2.1% (95% CI: 1.2-3.0).
Microbial Contamination of Money by Currency Type and Physical Condition.
The relationship between the physical condition of money and its microbial burden was assessed in 2 studies. Currencies classified as old or visibly dirty had a slightly higher pooled contamination prevalence of 3.0% (95% CI: 2.3-4.1) than did moderately dirty currency, which had a pooled prevalence of 2.2% (95% CI: 1.3-3.7). Although the differences were modest and heterogeneity was negligible, these results may support the hypothesis that heavily circulated or visibly degraded currency accumulates greater microbial load, possibly due to increased surface roughness, loss of protective coatings, or prolonged environmental exposure. The meta-analysis plots for the pooled prevalence based on the condition of money, contamination by money type, contamination on paper money and contamination on coins are provided in Supplemental Documents 2-5, respectively.
Meta-Regression and Publication Bias
The regression model identifies 2 key variables, “Moderate/Dirty” and “Old/Very Dirty,” that have statistically significant effects (
Regression Analysis of Factors Associated with Currency Contamination Levels.

A funnel plot of the meta-analysis showing the standard error and proportion of microbial contamination.
Discussion
Money is one of the most circulated items within human society and passes through thousands of hands daily in economic, health care, and food interactions. 1 This study also confirmed that currency can be an important reservoir for microbial contamination, which has also been reported in other studies.11,49 Fungi presented the highest contamination burden, followed by bacteria and parasites. This reflects a common limitation in the literature, where many studies have historically underrepresented fungi and parasites, often owing to limited detection methods, lack of routine fungal culture, or a stronger public health focus on bacteria. This is an important public health concern, particularly in low- and middle-income nations, where cash remains the most common means of financial transaction and sanitation practices are also often very poor.28,50 Since money is rarely disinfected or washed away, the persistence of contamination observed in this study implies a significant and ongoing risk of indirect transmission of disease even though there is no direct evidence for the presence of pathogenic microorganisms over currency, which results in infection. 49 The presence of potentially pathogenic organisms on money in this review should therefore be interpreted as an indicator of exposure risk rather than conclusive evidence of disease causation. Importantly, while many studies have confirmed the presence of viable organisms, the reported microbial loads are generally low and may fall below the infectious threshold under ordinary handling conditions. No eligible studies on viral contamination of currency were identified. This indicates a critical gap in the literature because many viruses can persist on inanimate surfaces and remain infectious for extended periods.51,52 Future research should therefore consider investigating the persistence, viability, and potential infectivity of viruses in different currencies.
The extent of bacterial contamination detected in the banknotes was high, with
This review also shows that money is frequently contaminated with a variety of fungal species, including several of medical importance. The fungi identified included
Although parasitic contamination is less common than bacterial and fungal contamination is, the high prevalence of
A noteworthy observation was the high level of banknote contamination compared with that of coins. Compared with metal, paper banknotes, consisting of linen and cotton fibers, form a particularly conducive porous substrate for microbe adhesion, allowing for extended survival of parasites, fungi, and bacteria.18,56 In contrast, metal coins, with a high proportion of nickel and copper, have inbuilt antimicrobial properties that inhibit microbial viability. 31 The finding that older banknotes, which are visibly contaminated, have a high microbial burden is in agreement with studies suggesting that banknotes circulated for extended periods build organic matter and microbial biofilms and, consequently, become increasingly effective at disease transmission.49,73
The findings of such studies have important implications for public health, particularly in low- and middle-income nations (LMICs), in view of the widespread use of cash payments in such countries due to limited access to electronic payment infrastructure. 74 The presence of pathogenic microbial species plays a critical role in focused hygiene interventions in settings with increased risk, including food preparation, healthcare settings, and public transportation networks. According to the U.S. Federal Reserve, the lifespan of money varies by denomination and depends on several factors, including how the denomination is used by the public. For example, larger denominations such as $100 notes are often used as a store of value and have a life span of 22.9 years, which means that they pass between users less frequently than lower denominations such as $5 notes with a life span of 4.7 years, which are more often used for transactions. 75 This long duration increases the risk of transmitting pathogens among individuals who handle cash regularly. Moreover, the majority of banknotes used worldwide are made of paper,56,76,77 making them difficult to clean without being damaged. 56 To alleviate such risks, public health programs must prioritize raising awareness about hand washing, promoting contactless payments, and studying the viability of antimicrobial coatings for banknotes. Countries that have adopted polymer banknotes, such as Canada and Australia, have seen a reduced level of contamination. 77 This may suggest that a switch to alternative, non-cotton banknotes could represent a viable long-term intervention. Intervention studies have become a key target for testing the effectiveness of UV disinfection, antimicrobial coatings, and routine banknote sanitization.
Meta-regression identified currency condition as a key determinant of contamination, with
Limitations
The studies included varied widely in design, laboratory techniques, and reporting quality. Pathogen identification methods range from highly sensitive molecular assays to conventional culture-based techniques, which likely influence both the detection rates and the spectra of the organisms identified. Many studies have assessed only bacterial contamination, with fewer examining fungi or parasites, leading to potential underrepresentation of nonbacterial pathogens. In addition, key variables such as currency denomination, material type, frequency of use, and handling practices were often missing or inconsistently reported, limiting the depth of subgroup analyses. Environmental and regional differences, including climate, sanitation infrastructure, and hygiene behaviors, also influence microbial survival, yet these factors are rarely accounted for in study designs. While subgroup analyses by currency type, organism group, and physical condition were performed to reduce this variation, limited reporting on contextual variables prevented deeper stratified analysis. The review also relied on English-language publications and excluded gray literature, which may have introduced language or publication bias. Despite these limitations, this review provides a clearer understanding of the global extent of microbial contamination and highlights the need for standardized, high-quality studies to support effective public health action.
Conclusion, Recommendations, and Future Directions
This review demonstrates that money frequently harbors bacteria, fungi, and parasites, with paper banknotes showing higher contamination levels than coins do. The predominance of enteric and opportunistic pathogens suggests that currency can serve as a potential vehicle for microbial exposure, even though direct infection through handling money remains difficult to quantify. The findings of this review make 1 point undeniably clear: money moves, and sodo microbes. As such, public health policies and personal habits must evolve to reduce the risk of currency-borne transmission.
We offer the following evidence-informed recommendations and hypotheses for future studies:
Promote hand hygiene as a universal practice. Alcohol-based hand sanitizers and frequent handwashing after handling money, particularly before meals or food preparation, are widely encouraged. These simple habits remain among the most effective ways to prevent fomite-mediated infections.
End the practice of wetting fingers with saliva to count money. Common in many markets, transport hubs, and informal businesses, this habit creates a direct pathway for pathogens into the body. Public health messaging should actively target this practice as avoidable and unsafe.
Discourage children from handling currency. Across many households, particularly across Africa, it is common for children to be given money to play with. This poses a silent but serious risk, as young children may place contaminated notes or coins in their mouths, exposing themselves to parasites, bacteria, and fungi.
Support a transition to electronic and contactless payment systems. Where digital infrastructure exists, governments and institutions should promote mobile and contactless payments, particularly in high-contact environments such as healthcare, food service, and public transport.
Encourage central banks to adopt polymer banknotes or antimicrobial coatings. Compared with traditional cotton-based notes, polymer currency has demonstrated lower rates of microbial contamination and is easier to disinfect. The incorporation of antimicrobial materials or treatments during currency production could further reduce contamination.
Replace old and visibly dirty notes more frequently. Paper money that is torn, stained, or excessively worn harbors significantly more microbial matter. Central banks and financial institutions should establish systems to remove such notes from circulation promptly.
Currency hygiene should be integrated into public health education. Awareness campaigns should highlight that while money is essential, it can act as a microbial reservoir. Public education should promote safe handling practices without inducing fear or stigma.
Supplemental Material
sj-docx-1-ehi-10.1177_11786302251407936 – Supplemental material for Money and Microbes: A Global Systematic Review and Meta-Analysis of Currency Contamination
Supplemental material, sj-docx-1-ehi-10.1177_11786302251407936 for Money and Microbes: A Global Systematic Review and Meta-Analysis of Currency Contamination by Peter Ofori Appiah, Alex Odoom, Patience B. Tetteh-Quarcoo and Eric S. Donkor in Environmental Health Insights
Supplemental Material
sj-docx-2-ehi-10.1177_11786302251407936 – Supplemental material for Money and Microbes: A Global Systematic Review and Meta-Analysis of Currency Contamination
Supplemental material, sj-docx-2-ehi-10.1177_11786302251407936 for Money and Microbes: A Global Systematic Review and Meta-Analysis of Currency Contamination by Peter Ofori Appiah, Alex Odoom, Patience B. Tetteh-Quarcoo and Eric S. Donkor in Environmental Health Insights
Supplemental Material
sj-docx-3-ehi-10.1177_11786302251407936 – Supplemental material for Money and Microbes: A Global Systematic Review and Meta-Analysis of Currency Contamination
Supplemental material, sj-docx-3-ehi-10.1177_11786302251407936 for Money and Microbes: A Global Systematic Review and Meta-Analysis of Currency Contamination by Peter Ofori Appiah, Alex Odoom, Patience B. Tetteh-Quarcoo and Eric S. Donkor in Environmental Health Insights
Supplemental Material
sj-docx-4-ehi-10.1177_11786302251407936 – Supplemental material for Money and Microbes: A Global Systematic Review and Meta-Analysis of Currency Contamination
Supplemental material, sj-docx-4-ehi-10.1177_11786302251407936 for Money and Microbes: A Global Systematic Review and Meta-Analysis of Currency Contamination by Peter Ofori Appiah, Alex Odoom, Patience B. Tetteh-Quarcoo and Eric S. Donkor in Environmental Health Insights
Supplemental Material
sj-docx-5-ehi-10.1177_11786302251407936 – Supplemental material for Money and Microbes: A Global Systematic Review and Meta-Analysis of Currency Contamination
Supplemental material, sj-docx-5-ehi-10.1177_11786302251407936 for Money and Microbes: A Global Systematic Review and Meta-Analysis of Currency Contamination by Peter Ofori Appiah, Alex Odoom, Patience B. Tetteh-Quarcoo and Eric S. Donkor in Environmental Health Insights
Supplemental Material
sj-docx-6-ehi-10.1177_11786302251407936 – Supplemental material for Money and Microbes: A Global Systematic Review and Meta-Analysis of Currency Contamination
Supplemental material, sj-docx-6-ehi-10.1177_11786302251407936 for Money and Microbes: A Global Systematic Review and Meta-Analysis of Currency Contamination by Peter Ofori Appiah, Alex Odoom, Patience B. Tetteh-Quarcoo and Eric S. Donkor in Environmental Health Insights
Supplemental Material
sj-docx-7-ehi-10.1177_11786302251407936 – Supplemental material for Money and Microbes: A Global Systematic Review and Meta-Analysis of Currency Contamination
Supplemental material, sj-docx-7-ehi-10.1177_11786302251407936 for Money and Microbes: A Global Systematic Review and Meta-Analysis of Currency Contamination by Peter Ofori Appiah, Alex Odoom, Patience B. Tetteh-Quarcoo and Eric S. Donkor in Environmental Health Insights
Footnotes
Ethical Considerations
Consent to Participate
Consent for Publication
Author Contributions
Funding
Declaration of Conflicting Interests
Data Availability Statement
Supplemental Material
References
Supplementary Material
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