Statistics on payments
Every year, the Riksbank collects different types of payment statistics from banks and payment service providers. The statistics 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
Cash withdrawals have decreased during the last years, both as regards number and value, which suggests that cash usage is decreasing.
| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|
| Number of ATMs | 2 655 | 2 672 | 2 508 | 2 414 | 2 304 | 2 128 | 2 049 |
| Number of transactions (millions) |
121 | 91 | 87 | 65 | 58 | 57 | 50 |
| Transaction value (SEK billions) |
130 | 108 | 103 | 84 | 79 | 82 | 72 |
| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|
| Number of terminals | 252 801 | 275 411 | 274 945 | 236 082 | 269 336 | 245 960 | 238 512 |
| Number of transactions (millions) |
3 004 | 3 009 | 3 226 | 2 812 | 2 907 | 3 037 | 3 036 |
| Transaction value (SEK billions) |
881 | 887 | 920 | 726 | 903 | 965 | 985 |
Updated annually.
Source: The Riksbank.
ATMs and Payment terminals, numerical data 2005-2023 (xlsx)
(2024-05-13: The number of terminals revised for the years 2021 and 2022.)
Card payments most common
Card payments are the most common type of payments in terms of number of transactions. However, in terms of value, credit transfers and direct debits stand for a majority of payments.
| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|
| Card | 3 352 | 3 548 | 3 703 | 3 387 | 3 538 | 3 865 | 3 984 |
| -Debet cards | 2 778 | 2 954 | 3 074 | 2 836 | 2 970 | 3 249 | 3 336 |
| -Credit cards | 574 | 594 | 629 | 551 | 569 | 616 | 648 |
| Credit transfers | 1 303 | 1 467 | 1 491 | 1 726 | 1 918 | 2 132 | 2 212 |
| -Electronic | 1 257 | 1 426 | 1 451 | 1 692 | 1 889 | 2 104 | 2 188 |
| -Form | 46 | 41 | 40 | 34 | 29 | 28 | 24 |
| Direct debet | 334 | 360 | 400 | 448 | 470 | 489 | 521 |
| Cheques, including bank drafts |
0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 4 990 | 5 375 | 5 594 | 5 560 | 5 927 | 6 487 | 6 717 |
| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|
| Card | 1 037 | 1 079 | 1 127 | 1 025 | 1 115 | 1 246 | 1 306 |
| -Debet cards | 765 | 802 | 824 | 771 | 841 | 922 | 960 |
| -Credit cards | 272 | 277 | 302 | 254 | 275 | 323 | 346 |
| Credit transfers | 16 191 | 18 232 | 18 422 | 18 674 | 21 850 | 24 202 | 23 742 |
| -Electronic | 15 822 | 17 749 | 17 794 | 18 107 | 21 116 | 23 262 | 23 017 |
| -Form | 369 | 483 | 629 | 568 | 733 | 940 | 725 |
| Direct debet | 545 | 581 | 622 | 635 | 700 | 758 | 822 |
| Cheques, including bank drafts |
1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 17 774 | 19 892 | 20 171 | 20 334 | 23 665 | 26 206 | 25 871 |
Note. Credit transfers refers to domestic payment transactions. Card payments refers to domestic and cross-border payment transactions.
Updated annually.
Source: The Riksbank
Instruments of payment, numerical data 2006-2023 (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).
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