Figure 6. Most people in Sweden have Swish Swish users, millions.

Mobile phones have become an important payment instrument. In 2022, a milestone was reached when the number of private Swish users passed 8 million; see Figure 6. In the age group 15–65, as many as 95 per cent have the Swish application downloaded on their mobile phone.

In addition, other ways of paying via mobile phone have also become more common. Services such as Apple Pay, Samsung Pay and Google Pay integrate bank cards with mobile phones and allow payments to be made by holding a phone against a card terminal. Both access to and use of these services is increasing. In the 2022 survey, one respondent in four said they have access to other mobile payment services than Swish; see Figure 7. In the 2020 survey, only 16 per cent said they did. Unlike Swish, which is widely used by both younger and older people, it is mainly younger people (18–44 years) who use other mobile services.

Percentage of people with access to mobile payment services other than Swish, such as Apple Pay and Samsung Pay, and percentage of people who have paid with these in the last 30 days.