Statistics on payments

Every year, the Riksbank collects different types of payment statistics from banks and payment service providers. The statistics are reported to the European Central Bank (ECB) and the Bank for International Settlements (BIS). Some of the payment statistics are presented below.

Cash withdrawals are decreasing

Cash withdrawals have decreased during the last years, both as regards number and value, which suggests that cash usage is decreasing.

ATM withdrawals are decreasing
  2016 2017 2018 2019 2020 2021 2022
Number of ATMs 2 850 2 655 2 672 2 508 2 414 2 304 2 128
Number of transactions
(millions)
139 121 91 87 65 58 57
Transaction value
(SEK billions)
110 130 108 103 84 79 82

 

Payment terminals
  2016 2017 2018 2019 2020 2021 2022
Number of terminals 257 874 252 801 275 411 274 945 236 082 269 336 245 960
Number of transactions
(millions)
2 807 3 004 3 009 3 226 2 812 2 907 3 037
Transaction value
(SEK billions)
997 881 887 920 726 903 965

Updated annually.
Source: The Riksbank.

ATMs and Payment terminals, numerical data 2005-2022 (xlsx)

(2024-05-13: The number of terminals revised for the years 2021 and 2022.)

Card payments most common

Card payments are the most common type of payments in terms of number of transactions. However, in terms of value, credit transfers and direct debits stand for a majority of payments.

Number of transactions, millions
  2016 2017 2018 2019 2020 2021 2022
Card 3 166 3 352 3 548 3 703 3 387 3 538 3 865
-Debet cards 2 604 2 778 2 954 3 074 2 836 2 970 3 249
-Credit cards 562 574 594 629 551 569 616
Credit transfers 1 303 1 303 1 467 1 491 1 726 1 918 2 132
-Electronic 1 244 1 257 1 426 1 451 1 692 1 889 2 104
-Form       59 46 41 40 34 29 28
Direct debet 301 334 360 400 448 470 489
Cheques,
including bank drafts
0 0 0 0 0 0 0
Total 4 770 4 990 5 375 5 594 5 560 5 927 6 487

 

Transaction value, SEK billions
  2016 2017 2018 2019 2020 2021 2022
Card 1 003 1 037 1 079 1 127 1 025 1 115 1 246
-Debet cards 732 765 802 824 771 841 922
-Credit cards 271 272 277 302 254 275 323
Credit transfers 14 561 16 191 18 232 18 422 18 674 21 850 24 202
-Electronic 14 381 15 822 17 749 17 794 18 107 21 116 23 262
-Form       180 369 483 629 568 733 940
Direct debet 508 545 581 622 635 700 758
Cheques,
including bank drafts
4 1 0 0 0 0 0
Total 16 076 17 774 19 892 20 171 20 334 23 665 26 206

Note. Credit transfers refers to domestic payment transactions. Card payments refers to domestic and cross-border payment transactions.
Updated annually.
Source: The Riksbank

Instruments of payment, numerical data 2006-2022 (xlsx)

Payment statistics from other participants

E-invoices

The Swedish Bankers' Association publishes annual statistics on the number and value of e-invoices paid by private customers via their online bank.

Swish

Getswish AB publishes monthly statistics on the number of users who have the Swish mobile payment service app and the number and value of Swish payments.

Card fraud

In a regular report, the ECB publishes statistics on card fraud. This includes figures for both the EU and individual countries within the EU, such as Sweden.

BankID

Finansiell ID-Teknik BID AB publishes monthly figures on holdings and use of the electronic identification BankID service.

Access to payment services

Growth Analysis (Swedish Agency for Growth Policy Analysis) produces annual statistics on the general public's access to basic payment services (the possibility of depositing and withdrawing cash, as well as payment mediation, e.g. the possibility of paying bills).

Charge cards and credit cards

Statistics Sweden's Financial Market Statistics include data on the number of charge cards and credit cards issued and on lending in the form of charge card and credit card receivables.

Swedish Broadband Map

The Swedish Post and Telecom Authority (PTS) presents statistics on the access to fixed broadband in Sweden via "Bredbandskartan" (Swedish Broadband Map).

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Updated 23/10/2023