You Can’t Gift Money on Valentine’s Day (The Way You Used To) CBK Warns

As Valentine’s Day approaches, Kenyans are known for their flamboyant displays of affection. From sprawling bouquets of roses to the now-viral money bouquets and cash-laden gift boxes, the stakes for romantic gestures have never been higher. However, the Central Bank of Kenya (CBK) just threw a wet blanket over the most popular trend in the Kenyan dating scene.

In a public notice issued on February 2, 2026, the CBK flagged the decorative use of the Kenya Shilling, specifically targeting the trend of using banknotes in flower bouquets, ornamental displays, and celebrations.

Is the CBK anti-romance?

It’s not the act of giving money that the CBK opposes, but rather how the money is being handled. According to the regulator, the process of creating these elaborate displays often involves:

• Glues that leave permanent residue.

• Metal fasteners that tear through the security features of the notes.

• Excessive manipulation that makes notes unfit for circulation.

“The use of adhesives, pins, staples, and similar materials damages banknotes and interferes with the efficient operation of cash-handling and processing equipment,” the CBK stated. This damage forces the bank to withdraw and replace currency prematurely, a cost that ultimately falls on the Kenyan taxpayer.

What are the consequences?

The warning isn’t just a polite suggestion. The CBK reminded the public that defacing national currency is a criminal offence under Section 367 of the Penal Code.

If you are caught willfully defacing, mutilating, or impairing a banknote, which includes stapling it to a flower or glueing it into a frame, you could be liable for a fine, imprisonment for up to three months, or both. For those planning a viral money rain video or a cash-pinned outfit, the legal risks are not worth the clout.

Can you still give cash?

Yes, but you have to be boring about it. The CBK clarified that it does not object to monetary gifts, provided the notes remain in a condition that allows them to circulate freely.

If you want to keep your Valentine’s Day both romantic and legal, here are some suggestions:

1. The classic Khaki or decorative envelope is still safe.

2. M-Pesa remains the king of convenience.

3. A secure way to gift large sums without damaging physical notes.

This February 14th, a money bouquet may look good on Instagram, but it could look even worse in a police report. If you really want to show your partner the money, keep the notes crisp, clean, and cut with love.

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