BIS Statistics Explorer: Table T6

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T6: Value of cashless payments and withdrawal/deposit transactions

(CHF billions; total for the year)

«Switzerland»	Year
« ‹ 2021 › »	2017	2018	2019	2020	2021
	2017	2018	2019	2020	2021
PART A: Value of cashless payments
Total value of cashless payments ¹	4,405	4,587	4,830	5,039	5,228
Breakdown of 'total value of cashless payments' by instrument type
Credit transfers ²	4,231	4,403	4,639	4,855	5,025
Breakdown of 'credit transfers' into domestic and cross-border sent
Domestic	4,143	4,306	4,527	4,753	4,910
Cross-border sent	87	97	112	103	115
Memo: cross-border received	nav	nav	nav	nav	nav
Breakdown of 'credit transfers' by device presence/absence
Device-present: paper-based	469	441	406	390	374
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 ³	3,761	3,962	4,233	4,466	4,651
Direct debits ⁴	84	86	88	83	88
Breakdown of 'direct debits' into domestic and cross-border sent
Domestic	84	86	88	83	88
Cross-border sent	0	0	0	0	0
Memo: cross-border received	nav	nav	nav	nav	nav
Cheques ⁵	nav	nav	nav	nav	nav
Partial breakdown of 'cheques'
Of which: paper-based ⁵	nav	nav	nav	nav	nav
Other payment instruments	nav	nav	nav	nav	nav
Card and e-money payments (with cards and e-money issued inside the country) ⁶	90	98	103	101	114
Breakdown of 'card and e-money payments' by function
By card with a debit function ⁷	48	51	54	58	64
By card with a delayed debit function	nav	nav	nav	nav	nav
By card with a credit function ⁸	40	44	47	39	46
E-money payments ⁹	2	3	3	3	4
Partial breakdown of 'card and e-money payments' by device presence/absence
Of which: device-present payments	73	77	80	80	89
Partial breakdown of 'card and e-money payments, device-present' by technology
Of which: contactless ¹⁰	4	11	19	33	47
Of which: magstripe	nav	nav	nav	nav	nav
Breakdown of 'card and e-money payments' into domestic and cross-border
Domestic ¹¹	67	71	76	83	91
Breakdown of 'card and e-money payments, domestic' by function
By card with a debit function ¹²	44	47	50	55	61
By card with a delayed debit function	nav	nav	nav	nav	nav
By card with a credit function ⁸	21	23	25	26	28
E-money payments	1	1	1	1	2
Cross-border sent ¹¹	24	26	27	18	24
MEMO: Card and e-money payments at terminals inside the country (with cards and e-money issued inside and outside country) ¹³	76	82	88	88	97
Breakdown of 'card and e-money payments at terminals inside the country' by function
By card with a debit function ⁷	45	48	51	56	62
By card with a delayed debit function	nav	nav	nav	nav	nav
By card with a credit function ⁷	30	33	36	30	33
E-money payments	1	1	1	1	2
Partial breakdown of 'card and e-money payments at terminals inside the country' by device presence/absence
Of which: device-present payments	67	72	75	77	84
Partial breakdown down of 'card and e-money payments at terminals inside the country, device-present payments' by technology
Of which: contactless	4	11	20	35	49
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	10	10	11	5	6
Partial breakdown of 'total value of cashless payments' by speed
Of which: fast payments	nap	nap	nap	nap	nap
Breakdown of 'fast payments' by instrument type
Credit transfers	nap	nap	nap	nap	nap
Direct debits	nap	nap	nap	nap	nap
Others	nap	nap	nap	nap	nap
Partial breakdown of 'fast payments' on-us
Of which: on-us	nap	nap	nap	nap	nap
Partial breakdown of 'fast payments' by initiation device
Of which: initiated at a POS	nap	nap	nap	nap	nap
Partial breakdown of 'total value of cashless payments' by issuer
Of which: issued by a non-bank	66	71	76	74	86
MEMO: Money remittances	nap	nap	nap	nap	nap
PART B: Value of withdrawal/deposit transactions
Total value of withdrawals/deposits	33	36	52	54	55
Breakdown of 'total value of withdrawals/deposits' into withdrawals and deposits
Cash withdrawals	31	34	48	51	51
Breakdown of 'cash withdrawals' by withdrawal location
Cash withdrawals with cards issued inside the country at locations inside the country ¹⁴	26	29	44	48	48
Breakdown of 'cash withdrawals with cards issued inside the country at locations inside the country' by terminal type
At ATMs	nav	nav	nav	nav	nav
At POS terminals	nav	nav	nav	nav	nav
At bank branches, without the use of an ATM	nav	nav	nav	nav	nav
Cash withdrawals with cards issued inside the country at locations outside the country	5	5	4	3	3
Memo: Cash withdrawals with cards issued outside the country at locations inside the country	1	1	1	1	1
Memo: Cash withdrawals with cards issued inside and outside the country at locations inside the country	27	30	45	49	49
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	nav	nav	nav	nav	nav
Partial breakdown of 'cash withdrawals' by terminal type
Of which: at ATMs	nav	nav	nav	nav	nav
Cash deposits	nav	nav	nav	nav	nav
Partial breakdown of 'cash deposits' by deposit location
Of which: cash deposits with cards issued inside the country at locations inside the country	nav	nav	nav	nav	nav
E-money loading/unloading transactions ¹⁵	2	3	3	3	4

¹ The data include credit transfer and direct debit transactions in CHF only, while card and e-money payments include transactions in CHF and in foreign currencies. 2012: Due to the change in the survey concept and reporting population all data on credit transfers and on direct debits as of 2012 may not be directly comparable with those of previous years. 2015: Between November 2014 and December 2014, the reporting population and the survey approach for debit cards, credit cards and e-money cards where adjusted, so that some data from 2015 may not be directly comparable with those of previous years. ² These and all following data on credit transfers include transactions in CHF only, data on credit transfers in other currencies are not available. 2012: Due to the change in the survey concept and reporting population all data on credit transfers as of 2012 may not be directly comparable with those of previous years. ³ All non-paper based credit transfers (including credit transfers initiated via online banking, via e-bills, via standing orders etc.). ⁴ These and all following data on direct debits include transactions in CHF only, data on direct debits in other currencies are not available. 2012: Due to the change in the survey concept and reporting population all data on direct debits as of 2012 may not be directly comparable with those of previous years. ⁵ As of 2014, data on cheques are no longer collected, since this payment instrument has declined in importance significantly. ⁶ 2015: Between November 2014 and December 2014, the reporting population and the survey approach for debit cards, credit cards and e-money cards where adjusted, so that some data from 2015 may not be directly comparable with those of previous years. ⁷ 2015: Adjustment of the reporting population and survey approach for debit cards in December 2014. ⁸ 2015: Adjustment of the reporting population and survey approach for credit cards in December 2014. ⁹ 2015: Adjustment of the reporting population and survey approach for e-money in December 2014. ¹⁰ Contactless payments at terminals inside the country only. ¹¹ 2015: Between November and December 2014, the reporting population and the survey approach for debit cards, credit cards and e-money cards where adjusted, so that some data from 2015 may not be directly comparable with those of previous years. ¹² 2015: Adjustment of the reporting population and survey approach for debit cards in December 2014 ¹³ 2015: some data from 2015 may not be directly comparable with those of previous years. ¹⁴ Cash withdrawals at POS terminals and at ATMs, if the cash withdrawal is processed via the infrastructure of a card network. ¹⁵ Loading only. 2012: Due to the change in the survey concept and reporting population all data on credit transfers and on direct debits as of 2012 may not be directly comparable with those of previous years. 2015: Between November and December 2014, the reporting population and the survey approach for e-money cards where adjusted, so that some data from 2015 may not be directly comparable with those of previous years.