Payments

Every year, the Riksbank collects different types of payment statistics from banks and payment service providers. These statistics make up Sweden’s official payment statistics, which 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

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

ATM withdrawals are decreasing
  2013 2014 2015 2016 2017 2018
Number of terminals 3 237 3 231 3 285 2 850 2 655 2 672
Number of transactions
(million)
209 214 154 139 121 91
Transaction value
(SEK billion)
219 213 153 110 130 108

 

Payment terminals
  2013 2014 2015 2016 2017 2018
Number of ATMs 195 709 196 985 183 548 257 874 252 801 275 411
Number of transactions
(million)
2 239 2 370 2 501 2 807 3 004 3 009
Transaction value
(SEK billion)
666 717 747 997 881 778

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

ATMs and Payment terminals, numerical data 2006-2018 (xlsx)

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.

Number of transactions, million
  2013 2014 2015 2016 2017 2018
Card payments 2 398 2 620 2 845 3 166 3 352 3 548
-Debit cards 1 987 2 170 2 343 2 604 2 778 2 954
-Credit cards 411 450 502 562 574 594
Credit transfers 894 957 1 074 1 303 1 303 1 467
-Electronic 827 888 1 016 1 244 1 257 1 426
-Form 67 69 58 59 46 41
Direct debit 312 323 280 301 334 360
Cheques,
including bank drafts
0 0 0 0 0 0
Total 3 604 3 900 4 199 4 770 4 990 5 375

 

Transaction value, SEK billion
  2013 2014 2015 2016 2017 2018
Card payments 900 980 916 1 003 1 037 1 079
-Debit cards 658 719 669 732 765 802
-Credit cards 242 261 248 271 272 277
Credit transfers 14 175  14 770 13 043 14 561 16 191 18 232
-Electronic 14 024 14 627 12 815 14 381 15 822 17 749
-Form 151 142  228 180 369 483
Direct debit 553 558 478 508 545 581
Cheques,
including bank drafts
13  4 4 1 0
Total 15 641 16 315 14 441 16 076 17 774 19 892

Note. The figures for 2015 are based on a new calculation method.
Updated annually.
Source: The Riksbank
Belongs to the Official Statistics of Sweden.

Instruments of payment, numerical data 2006-2018 (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).

Updated 04/09/2019

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