Across Nairobi and other African capitals, a controversial Valentine’s Day tradition has drawn the ire of financial regulators. What began as a romantic gesture of gifting cash arranged in elaborate floral designs has evolved into a regional phenomenon that now faces official scrutiny.
Multiple central banks across East and Southern Africa have issued coordinated warnings against the practice of creating monetary bouquets. The Central Bank of Kenya (CBK), alongside regulators in Uganda, Rwanda, Botswana and Namibia, has highlighted the damaging consequences of manipulating currency notes through stapling, gluing, or folding them into decorative arrangements.
The core concern revolves around the mechanical integrity of banknotes. When currency is altered through these methods, automated banking equipment including ATMs and cash-sorting machines frequently reject them. This necessitates costly withdrawal from circulation, ultimately creating financial burdens for national economies and taxpayers.
Despite potential penalties including imprisonment for up to seven years under Kenyan law, the trend continues to flourish. Angela Muthoni, a Nairobi florist, reports receiving 15-20 daily orders for money bouquets in the Valentine’s season. The arrangements range from modest 1,000 shilling ($8) designs to extravagant million-shilling creations, often incorporating both currency and traditional flowers.
The practice has gained momentum through social media influencers and celebrities who showcase elaborate cash presentations. While initially associated with Valentine’s Day, the tradition has expanded to birthdays and other celebrations, creating year-round demand.
Public opinion remains divided. Proponents argue that cash gifts eliminate the stress of selecting presents and provide practical value. Critics contend the trend promotes materialism and undermines genuine romantic expression. Economic analyst Odhiambo Ramogi suggests the phenomenon combines traditional African gifting practices with modern consumerism, noting that “the natural flower has been replaced with the currency flower.”
Innovative alternatives are emerging in response to regulatory pressure. Some designers now create transparent pocket arrangements that preserve note integrity, while others explore digital bouquets or transition to U.S. dollars unaffected by local regulations. Despite official warnings, the deeply entrenched money bouquet culture appears likely to evolve rather than disappear entirely.









