BIS Statistics Explorer: Table T5

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T5: Volume of cashless payments and withdrawal/deposit transactions

(millions; total for the year)

«Spain»	Year
« ‹ 2018 › »	2014	2015	2016	2017	2018
	2014	2015	2016	2017	2018
PART A: Volume of cashless payments
Total volume of cashless payments ¹	6,490	6,475	7,069	8,176	8,607
Breakdown of 'total volume of cashless payments' by instrument type
Credit transfers	918	882	1,033	1,150	1,141
Breakdown of 'credit transfers' into domestic and cross-border sent
Domestic	903	862	1,013	1,127	1,115
Cross-border sent	15	20	20	23	27
Memo: cross-border received	261	137	153	163	185
Breakdown of 'credit transfers' by device presence/absence
Device-present: paper-based	109	108	111	106	106
Device-present: other	nav	nav	nav	nav	nav
Partial breakdown of 'credit transfers, device-present: other' by accepting device
Of which: at POS terminals	nav	nav	nav	nav	nav
Device-not-present	809	774	922	1,044	1,035
Direct debits	2,252	2,079	2,093	2,561	2,406
Breakdown of 'direct debits' into domestic and cross-border sent
Domestic	2,036	1,789	1,877	2,215	1,996
Cross-border sent	216	290	215	346	410
Memo: cross-border received	54	42	43	26	4
Cheques	83	79	75	71	57
Partial breakdown of 'cheques'
Of which: paper-based	83	79	75	71	57
Other payment instruments ²	476	448	405	355	299
Card and e-money payments (with cards and e-money issued inside the country)	2,760	2,987	3,464	4,039	4,703
Breakdown of 'card and e-money payments' by function
By card with a debit function	1,387	1,712	2,100	2,520	3,221
By card with a delayed debit function ³	1,373	1,275	1,363	1,519	1,482
By card with a credit function	nav	nav	nav	nav	nav
E-money payments	nav	0	0	0	0
Partial breakdown of 'card and e-money payments' by device presence/absence
Of which: device-present payments	2,516	2,694	3,089	3,530	4,011
Partial breakdown of 'card and e-money payments, device-present' by technology
Of which: contactless	nav	nav	nav	nav	nav
Of which: magstripe	nav	nav	nav	nav	nav
Breakdown of 'card and e-money payments' into domestic and cross-border
Domestic	2,540	2,734	3,113	3,625	4,183
Breakdown of 'card and e-money payments, domestic' by function
By card with a debit function	nav	nav	nav	nav	nav
By card with a delayed debit function	nav	nav	nav	nav	nav
By card with a credit function	nav	nav	nav	nav	nav
E-money payments	nav	nav	nav	nav	nav
Cross-border sent	220	253	351	413	520
MEMO: Card and e-money payments at terminals inside the country (with cards and e-money issued inside and outside country) ⁴	2,709	2,892	3,299	3,795	4,341
Breakdown of 'card and e-money payments at terminals inside the country' by function
By card with a debit function	nav	nav	nav	nav	nav
By card with a delayed debit function	nav	nav	nav	nav	nav
By card with a credit function	nav	nav	nav	nav	nav
E-money payments	nav	nav	nav	nav	nav
Partial breakdown of 'card and e-money payments at terminals inside the country' by device presence/absence
Of which: device-present payments	2,709	2,892	3,299	3,795	4,341
Partial breakdown down of 'card and e-money payments at terminals inside the country, device-present payments' by technology
Of which: contactless	nav	nav	nav	nav	nav
Of which: magstripe	nav	nav	nav	nav	nav
Partial breakdown of 'card and e-money payments at terminals inside the country' by location of the card issuer
Of which: at terminals inside the country with cards and e-money issued outside the country	215	265	318	388	457
Partial breakdown of 'total volume of cashless payments' by speed
Of which: fast payments	nav	nav	nav	nav	nav
Breakdown of 'fast payments' by instrument type
Credit transfers	nav	nav	nav	nav	nav
Direct debits	nav	nav	nav	nav	nav
Others	nav	nav	nav	nav	nav
Partial breakdown of 'fast payments' on-us
Of which: on-us	nav	nav	nav	nav	nav
Partial breakdown of 'fast payments' by initiation device
Of which: initiated at a POS	nav	nav	nav	nav	nav
Partial breakdown of 'total volume of cashless payments' by issuer
Of which: issued by a non-bank	49	63	154	170	100
MEMO: Money remittances	nav	13	14	15	17
PART B: Volume of withdrawal/deposit transactions
Total volume of withdrawals/deposits	1,089	1,111	1,120	1,128	1,136
Breakdown of 'total volume of withdrawals/deposits' into withdrawals and deposits
Cash withdrawals	1,048	1,058	1,046	1,038	1,022
Breakdown of 'cash withdrawals' by withdrawal location
Cash withdrawals with cards issued inside the country at locations inside the country	1,048	1,049	1,036	1,028	1,012
Breakdown of 'cash withdrawals with cards issued inside the country at locations inside the country' by terminal type
At ATMs	862	875	879	890	897
At POS terminals	nav	nav	nav	nav	nav
At bank branches, without the use of an ATM ⁵	185	173	157	138	115
Cash withdrawals with cards issued inside the country at locations outside the country	nav	9	10	10	10
Memo: Cash withdrawals with cards issued outside the country at locations inside the country ⁶	43	43	45	45	43
Memo: Cash withdrawals with cards issued inside and outside the country at locations inside the country	1,091	1,092	1,081	1,073	1,055
Partial breakdown of the memo item 'cash withdrawals with cards issued inside and outside the country at locations inside the country' by terminal type
Of which: at ATMs	905	919	923	934	940
Partial breakdown of 'cash withdrawals' by terminal type
Of which: at ATMs	nap	885	889	900	907
Cash deposits	42	54	73	89	114
Partial breakdown of 'cash deposits' by deposit location
Of which: cash deposits with cards issued inside the country at locations inside the country ⁷	42	54	73	89	114
E-money loading/unloading transactions	0	0	0	0	0

¹ Data for payment instruments other than cards and e-money devices are, prior to 2014, estimations based on the information provided by a representative sample of payment service providers. 2014 data are estimations based on the figures for the second half-year. ² This series includes other services (not included in the Payment Services Directive). Estimation based on the information provided by a representative sample of payment service providers. It includes bills of exchange and other non-standardised payment infrastructures ³ Credit cards are included. It is not possible to differentiate between delayed debit and credit cards. However, it is known that the bulk of the payments are made with delayed debit cards. ⁴ Only transactions at physical terminals are included ⁵ Data on OTC cash withdrawals using a bank form are, up to 2014, estimations based on the information provided by a representative sample of payment service providers. ⁶ Data refers to terminals located in Spain, provided by spanish PSPs . Non national PSPs providing terminals in Spain are not included. ⁷ These data are, up to 2014, estimations based on the information provided by a representative sample of payment service providers.