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Payments Report 2026
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The Riksbank’s responsibility for payments
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The Riksbank’s mandate in the area of payments
The following objectives guide the Riksbank’s work on payments
The Riksbank’s role in the payments market
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Everyone must be able to pay
The payments market needs to become even safer and more resilient
More new options needed in the payments market
Developments in the payments market
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Payment habits in Sweden
Small businesses’ views on payments
Modernising the payments market
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New forms of money are being developed
Geopolitical uncertainty is leading to regionalisation
How safe, efficient and accessible are payments?
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Collaboration makes the payment system resilient
The payments infrastructure works well
Instant payments are efficient but the supply is limited and they come with risks that need to be managed
Payments between Nordic countries are not sufficiently efficient
Continued challenges for cash
More people should have access to a payment account
Important to be able to pay with simple payment methods at reasonable prices
Difficult to help others with payments
Government e-identification as an alternative to BankID for payments is positive
The payments market is generally safe but fraud and money laundering are problems
The Riksbank’s policy recommendations
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The Riksbank’s recommendations
There must be payment methods for everyone
Access to cash services needs to be improved
A limit of SEK 10,000 should be introduced for cash purchases in the retail sector
Households should have multiple payment methods so that they can pay in the event of disruptions, for example SEK 1,000 in cash per adult
The possibility to pay offline should be extended
Payment service providers should offer more services for instant payments
Payments between countries need to be cheaper and faster
Recommendation for Riksdag and Government to set up an inquiry on an e-krona
Article – Money in transition – traditional and new forms
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Money in bank accounts is the most common form of money
E-money is another form of regulated private money
Central bank reserves play an important role in the payment system
Retail CBDC – a whole new kind of money
Stablecoins – a type of crypto-asset that has become regulated private money
Tokenisation of money and assets
Annex: Numerical data
Payments Report 2025
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Trends on the payments market
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The Swedish payments market is almost entirely digital
Small businesses' views on payments
Many small retail businesses have stopped accepting cash
Global trends in the payments market
Safety, efficiency and accessibility
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Are payments in Sweden safe?
Are payments in Sweden efficient?
Are payments in Sweden accessible?
The Riksbank's work and recommendations
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The public's ability to pay in times of crisis and states of heightened alert needs to be strengthened
Everyone shall be able to pay
Future payments infrastructure needs to evolve
The RIX payments system needs to be able to handle future challenges
The future of the digital euro affects work on the e-krona
Annex: Numerical data
Payments Report 2024
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Trends in the payments market
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Payment habits in Sweden
Cash is rarely used and the supply of cash services is decreasing
Transfers abroad are perceived as safe but expensive
The digitalisation of payments is a global trend
Safety, efficiency and accessibility
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Are payments in Sweden safe?
Are payments in Sweden efficient?
Are payments in Sweden accessible?
The Riksbank’s work and policy
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Everyone must be able to pay
Payments should work even in crisis and war
Modernisation of the payment infrastructure necessary
More measures needed to protect cash
Work on the e-krona continues
Payments Report 2022
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Trends on the payment market
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In Sweden, we prefer to pay digitally
Paying by mobile phone is popular
Payments in stores are rarely made in cash
Difficult for many to pay digitally
One in ten sends money abroad
Safety and efficiency
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Are payments in Sweden safe?
Are payments in Sweden efficient?
The Riksbank’s work and policy
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The Riksbank is modernising its systems
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Payments Report 2021
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1. Trends on the payment market
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Pandemic hastening development towards digital payments
New opportunities and challenges with money in new forms
International harmonisation affects Sweden
2. Safety and efficiency
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Are payments in Sweden safe?
Are payments efficient?
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RIX further developed to meet future needs
The position of cash as legal tender needs strengthening
Test of technical solution for an e-krona
The Riksbank is actively participating in the international cooperation
Glossary
Payments in Sweden 2020
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1. The payment market is being digitalised
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The coronavirus pandemic has affected how people in Sweden and abroad are making payments
Many people make payments by mobile, for example with Swish
Cash is losing ground
Cash free – not problem-free
Why are people in Sweden no longer using cash?
2. Swedish payments are secure and efficient
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Are payments in Sweden secure?
Are payments in Sweden efficient?
Fintech brings new solutions for the payment market
International payments need to be improved
3. The Riksbank is adapting to a changing world
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Swedish banknotes and coins – the Riksbank's new responsibility for cash handling
Payments in crisis situations and under heightened alert
Swedish payments to be integrated internationally
Digital money – the Riksbank’s e-krona pilot
International cooperation on central bank digital currency
Payments in Sweden 2019
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The payment market is being digitalised
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Key drivers and trends
Cash use in constant decline
More common to pay by mobile phone app (Swish)
Card payments still dominate
Cryptocurrencies are not normal money
Swedish payments are secure and efficient
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Security in Sweden is high from an international perspective
Digitalisation makes payments more efficient
International payments need to be streamlined
The Riksbank is adapting to the digital world
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Rapid payments require innovation
Digital cash: the e-krona project
The Riksbank intends to use TIPS
Government inquiry into the digital payment market
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Volume I: Exchange Rates, Prices, and Wages, 1277-2008
Volume II: House Prices, Stock Returns, National Accounts, and the Riksbank Balance Sheet, 1620–2012
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