Payment statistics

Card usage and mobile payments has increased rapidly in recent years but cash continues to be important. Over the last five years, cash withdrawals have decreased by about one-third, in terms of both number and value. This indicates that the use of cash has decreased markedly. At the same time as cash usage has decreased, card payments have increased by approximately 50 per cent over the last five years.

Cash withdrawals are decreasing

Households mainly use ATMs to gain access to cash. Over the last ten years, cash withdrawals have decreased, both as regards number and value, which suggests that cash usage is decreasing.


Diagram över korttransaktioner och uttag

Updated annually.
Source: The Riksbank
Belongs to the Official Statistics of Sweden.

 

Published in the report the Swedish Financial Market (pdf)

Card payments most common

Credit transfers and direct debits are relatively few in comparison with the number of card payments. But in terms of value, credit transfers and direct debits stand for a majority of payments.

Diagram över betalningssätt

Updated annually.
Source: The Riksbank

Belongs to the Official Statistics of Sweden.

 

Published in the report the Swedish Financial Market (pdf)

The payment behaviour of the Swedish population

Virtually all citizens in Sweden, 97 per cent, have access to a card and 89 per cent have access to cash. 85 per cent have access to online banking and 80 per cent have access to direct debiting. This is shown by a survey that the Riksbank carried out to get a better understanding of the Swedish population's payment habits.

 

Cards and cash are the most common payment methods

Diagram på kort och kontanter vanligaste betalningssätten

Upated every second year.
Source: The Riksbank.

 

In the survey, a random sample of 2,000 individuals in the age group 16–85 were interviewed. The questions relate to areas such as what payment methods people have access to, how and when they are used and to which extent people feel that cash services meet their needs.

 

See the full result of the survey The payment behaviour of the Swedish population (xls).

How did you pay the last time you made a payment?

When asked "How did you pay the last time you made a payment?", only 16 per cent answered cash in 2016. In 2012, this figure was 33 per cent.

Upated every second year.
Source: The Riksbank

Positive or negative attitude to decline in cash?

Three out of ten have a negative attitude towards the increasing decline of cash usage, which is an increase compared with 2014. Four out of ten feel that this development is positive.

Upated every second year.
Source: The Riksbank

To what extent do you feel that cash services meet your needs?

Six out of ten respondents feel that services for withdrawal of cash meet their needs.
With regard to services for depositing cash, almost one fifth were negative and just over one fifth were positive. Many of the respondents do not express an opinion.

Upated every second year.
Source: The Riksbank


In the survey, a random sample of 2,000 individuals in the age group 16–85 were interviewed.


See the full result of the survey The Swedish people's payment habits (xls).

Payment statistics from other participants

E-invoices 

The Swedish Bankers’ Association publishes annual statistics on the number of e-invoices, the number of private customers using online banking and the number of private online payments.

Swish 

Getswish AB publishes statistics on, among other things, the number of users with the mobile payment service Swish. 

Card fraud

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

Bank ID

Finansiell ID-Teknik publishes figures on holdings and usage of the Bank ID service.

Access to payment services

Growth Analysis (the Swedish agency for growth policy analysis) produces 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).

Bredbandskartan

PTS (the Swedish post and telecom authority) presents statistics on the access to fixed broadband in Sweden via the Bredbandskartan survey.

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.

 



 

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Every August, the Riksbank publishes statistics on payments from banks and payment service providers. These are Sweden's official statistics for payments. Every second year, the Riksbank carries out its own investigation into the Swedish population's payment habits.

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