BIS Statistics Explorer: Table T6

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T6: Value of cashless payments and withdrawal/deposit transactions

(EUR billions; total for the year)

«Spain»	Year
« ‹ 2018 › »	2014	2015	2016	2017	2018
	2014	2015	2016	2017	2018
PART A: Value of cashless payments
Total value of cashless payments ¹	17,820	17,079	16,506	11,909	11,298
Breakdown of 'total value of cashless payments' by instrument type
Credit transfers	16,248	15,541	14,965	10,198	9,798
Breakdown of 'credit transfers' into domestic and cross-border sent
Domestic	13,023	12,709	12,380	7,978	8,027
Cross-border sent	3,225	2,832	2,585	2,220	1,771
Memo: cross-border received	3,530	3,121	2,957	2,649	2,556
Breakdown of 'credit transfers' by device presence/absence
Device-present: paper-based	10,585	10,532	9,709	4,540	3,999
Device-present: other	nav	nav	nav	nav	nav
Partial breakdown of 'credit transfers, device-present: other' by accepting device
Of which: at POS terminals	nap	nap	nap	nap	nap
Device-not-present	5,663	5,014	5,256	5,658	5,799
Direct debits	571	532	534	645	614
Breakdown of 'direct debits' into domestic and cross-border sent
Domestic	518	475	490	575	529
Cross-border sent	52	57	45	70	85
Memo: cross-border received	11	8	9	6	3
Cheques	390	415	434	476	332
Partial breakdown of 'cheques'
Of which: paper-based	390	415	434	476	332
Other payment instruments ²	489	461	425	424	367
Card and e-money payments (with cards and e-money issued inside the country)	122	131	148	167	187
Breakdown of 'card and e-money payments' by function
By card with a debit function	56	68	81	93	115
By card with a delayed debit function ³	66	63	67	74	72
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	107	113	126	139	152
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	110	117	131	148	165
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	12	14	17	18	22
MEMO: Card and e-money payments at terminals inside the country (with cards and e-money issued inside and outside country) ⁴	122	128	142	160	172
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	122	128	142	160	172
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	15	17	20	23	24
Partial breakdown of 'total value 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 value of cashless payments' by issuer
Of which: issued by a non-bank	4,872	5,467	5,143	1,252	1,235
MEMO: Money remittances	nav	4	4	4	5
PART B: Value of withdrawal/deposit transactions
Total value of withdrawals/deposits	248	264	267	278	272
Breakdown of 'total value of withdrawals/deposits' into withdrawals and deposits
Cash withdrawals	248	242	236	239	222
Breakdown of 'cash withdrawals' by withdrawal location
Cash withdrawals with cards issued inside the country at locations inside the country	248	240	234	238	221
Breakdown of 'cash withdrawals with cards issued inside the country at locations inside the country' by terminal type
At ATMs	105	108	111	115	119
At POS terminals	nav	nav	nav	nav	nav
At bank branches, without the use of an ATM ⁵	143	132	123	122	102
Cash withdrawals with cards issued inside the country at locations outside the country	nav	1	1	1	1
Memo: Cash withdrawals with cards issued outside the country at locations inside the country ⁶	7	7	7	7	7
Memo: Cash withdrawals with cards issued inside and outside the country at locations inside the country	255	247	241	245	228
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	112	115	118	123	126
Partial breakdown of 'cash withdrawals' by terminal type
Of which: at ATMs	nav	109	112	117	120
Cash deposits	nav	22	31	39	50
Partial breakdown of 'cash deposits' by deposit location
Of which: cash deposits with cards issued inside the country at locations inside the country ⁷	17	22	31	39	50
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 terminal 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.