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
« ‹ 2019 › »	2015	2016	2017	2018	2019
	2015	2016	2017	2018	2019
PART A: Volume of cashless payments
Total volume of cashless payments ¹	6,475	7,069	8,176	8,607	9,710
Breakdown of 'total volume of cashless payments' by instrument type
Credit transfers	882	1,033	1,150	1,141	1,427
Breakdown of 'credit transfers' into domestic and cross-border sent
Domestic	862	1,013	1,127	1,115	1,395
Cross-border sent	20	20	23	27	31
Memo: cross-border received	137	153	163	185	221
Breakdown of 'credit transfers' by device presence/absence
Device-present: paper-based	108	111	106	106	97
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	774	922	1,044	1,035	1,329
Direct debits	2,079	2,093	2,561	2,406	2,384
Breakdown of 'direct debits' into domestic and cross-border sent
Domestic	1,789	1,877	2,215	1,996	1,950
Cross-border sent	290	215	346	410	433
Memo: cross-border received	42	43	26	4	6
Cheques	79	75	71	57	53
Partial breakdown of 'cheques'
Of which: paper-based	79	75	71	57	53
Other payment instruments ²	448	405	355	299	262
Card and e-money payments (with cards and e-money issued inside the country)	2,987	3,464	4,039	4,703	5,585
Breakdown of 'card and e-money payments' by function
By card with a debit function	1,712	2,100	2,520	3,221	3,864
By card with a delayed debit function ³	1,275	1,363	1,519	1,482	1,721
By card with a credit function	nav	nav	nav	nav	nav
E-money payments	0	0	0	0	0
Partial breakdown of 'card and e-money payments' by device presence/absence
Of which: device-present payments	2,694	3,089	3,530	4,011	4,682
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	2,734	3,113	3,625	4,183	4,961
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	253	351	413	520	623
MEMO: Card and e-money payments at terminals inside the country (with cards and e-money issued inside and outside country) ⁴	2,892	3,299	3,795	4,341	4,983
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	2,892	3,299	3,795	4,341	4,983
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	265	318	388	457	560
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	63	154	170	100	146
MEMO: Money remittances	13	14	15	17	19
PART B: Volume of withdrawal/deposit transactions
Total volume of withdrawals/deposits	1,111	1,120	1,128	1,136	1,131
Breakdown of 'total volume of withdrawals/deposits' into withdrawals and deposits
Cash withdrawals	1,058	1,046	1,038	1,022	983
Breakdown of 'cash withdrawals' by withdrawal location
Cash withdrawals with cards issued inside the country at locations inside the country	1,049	1,036	1,028	1,012	973
Breakdown of 'cash withdrawals with cards issued inside the country at locations inside the country' by terminal type
At ATMs	875	879	890	897	872
At POS terminals	nav	nav	nav	nav	nav
At bank branches, without the use of an ATM ⁵	173	157	138	115	100
Cash withdrawals with cards issued inside the country at locations outside the country	9	10	10	10	10
Memo: Cash withdrawals with cards issued outside the country at locations inside the country ⁶	43	45	45	43	39
Memo: Cash withdrawals with cards issued inside and outside the country at locations inside the country	1,092	1,081	1,073	1,055	1,012
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	919	923	934	940	911
Partial breakdown of 'cash withdrawals' by terminal type
Of which: at ATMs	885	889	900	907	882
Cash deposits	54	73	89	114	148
Partial breakdown of 'cash deposits' by deposit location
Of which: cash deposits with cards issued inside the country at locations inside the country ⁷	54	73	89	114	148
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.