EU CBDC will have limitations intended to protect the banks not the consumers

ECB blog:

"Individual digital euro holdings would be limited.

Merchants would be able to receive and process digital euro, but would not be able to hold them at all ‒ protecting the corporate deposit base of the banking system.

Moreover, digital euro holdings would not accrue interest."

https://www.ecb.europa.eu/press/blog/date/2024/html/ecb.blog20240219~ccb1e8320e.en.html