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The Swedish payments market is almost entirely digital

10/03/2025 -

The Swedish payments market is almost entirely digital The payments market in Sweden is almost entirely digital. Card payments are the most common method of payment, and more and more people are paying by mobile phone. Cash use is continuing to...

Payments & cash / Payments Report

Card payments are the most accepted payment method among small businesses

10/03/2025 -

Card payments are the most accepted payment method among small businesses The payment methods accepted by most businesses for customer payments are Mastercard and Visa card payments. This is followed by Swish and cash payments (see figure 5).

Payments & cash / Payments Report

The possibility to pay offline should be extended

12/03/2026 -

The possibility to pay offline should be extended Faktaruta - The Riksbank’s recommendation In the Payment Report 2025, the Riksbank considered that the ability to pay offline with cards needs to be improved. Since then, the Riksbank and...

Payments & cash / Payments Report

Retail CBDC – a whole new kind of money

12/03/2026 -

Retail CBDC – a whole new kind of money In an increasingly digitalised society, a debate has arisen about whether the central bank needs to issue money to the public and in digital form. A retail CBDC (central bank digital currency) is a digital...

Payments & cash / Payments Report

Annex: Numerical data

12/03/2026 -

Annex: Numerical data Payments report 2026 (Excel)...

Payments & cash / Payments Report

The risk of card fraud in shops in Sweden is low

29/10/2020 -

Paying by card is safe in Sweden, but card fraud can occur when a debit card or credit card is read during payment, or when withdrawing cash from an ATM. In a European comparison made by the ECB, Sweden was just above the European average...

Payments & cash / Payments Report

Few disruptions in important systems

29/10/2020 -

The Riksbank’s central settlement system for large-scale payments, RIX, and the clearing house, Bankgirot, are central hubs in the Swedish payment system. Disruptions and interruptions in either of these systems therefore affect the entire...

Payments & cash / Payments Report

More counterfeit banknotes

29/10/2020 -

Even if the money and institutions that manage our payments are secure, there may be other risks linked to our payments and means of payment. For example, there is always a risk that cash will be stolen or counterfeited. But from an...

Payments & cash / Payments Report

Initiatives to help vulnerable groups

29/10/2020 -

The county administrative boards’ task is to ensure that possibilities for using basic payment services meet social needs, and they have a special responsibility for investigating how the situation is for older people and people with...

Payments & cash / Payments Report

Paying by mobile or card is cheaper than using cash

29/10/2020 -

Some costs are fixed and do not depend on how many payments have been carried out, such as rent for premises and purchases of hardware. Other costs are variable and depend on the number of payments, such as petrol for the vans that transport...

Payments & cash / Payments Report