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
« ‹ 2021 › »	2017	2018	2019	2020	2021
	2017	2018	2019	2020	2021
PART A: Volume of cashless payments
Total volume of cashless payments ¹	8,176	8,607	9,710	9,896	11,699
Breakdown of 'total volume of cashless payments' by instrument type
Credit transfers	1,150	1,141	1,427	1,329	1,588
Breakdown of 'credit transfers' into domestic and cross-border sent
Domestic	1,127	1,115	1,395	1,305	1,544
Cross-border sent	23	27	31	24	44
Memo: cross-border received	163	185	221	206	189
Breakdown of 'credit transfers' by device presence/absence
Device-present: paper-based	106	106	97	79	89
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	1,044	1,035	1,329	1,250	1,499
Direct debits	2,561	2,406	2,384	2,341	2,301
Breakdown of 'direct debits' into domestic and cross-border sent
Domestic	2,215	1,996	1,950	1,904	2,056
Cross-border sent	346	410	433	437	245
Memo: cross-border received	26	4	6	8	11
Cheques	71	57	53	37	34
Partial breakdown of 'cheques'
Of which: paper-based	71	57	53	37	34
Other payment instruments ²	355	299	262	162	138
Card and e-money payments (with cards and e-money issued inside the country)	4,039	4,703	5,585	6,028	7,640
Breakdown of 'card and e-money payments' by function
By card with a debit function	2,520	3,221	3,864	4,178	5,275
By card with a delayed debit function ³	1,519	1,482	1,721	1,815	2,364
By card with a credit function	nav	nav	nav	nav	nav
E-money payments	0	0	0	35	46
Partial breakdown of 'card and e-money payments' by device presence/absence
Of which: device-present payments	3,530	4,011	4,682	4,869	6,238
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	3,625	4,183	4,961	5,338	6,781
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	413	520	623	687	859
MEMO: Card and e-money payments at terminals inside the country (with cards and e-money issued inside and outside country) ⁴	3,795	4,341	4,983	4,905	6,445
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	3,795	4,341	4,983	4,905	6,445
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	388	457	560	303	517
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	170	100	146	217	248
MEMO: Money remittances	15	17	19	19	20
PART B: Volume of withdrawal/deposit transactions
Total volume of withdrawals/deposits	1,128	1,136	1,131	806	827
Breakdown of 'total volume of withdrawals/deposits' into withdrawals and deposits
Cash withdrawals	1,038	1,022	983	672	684
Breakdown of 'cash withdrawals' by withdrawal location
Cash withdrawals with cards issued inside the country at locations inside the country	1,028	1,012	973	667	678
Breakdown of 'cash withdrawals with cards issued inside the country at locations inside the country' by terminal type
At ATMs	890	897	872	611	635
At POS terminals	nav	nav	nav	nav	nav
At bank branches, without the use of an ATM ⁵	138	115	100	56	43
Cash withdrawals with cards issued inside the country at locations outside the country	10	10	10	5	5
Memo: Cash withdrawals with cards issued outside the country at locations inside the country ⁶	45	43	39	17	21
Memo: Cash withdrawals with cards issued inside and outside the country at locations inside the country	1,073	1,055	1,012	684	699
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	934	940	911	628	655
Partial breakdown of 'cash withdrawals' by terminal type
Of which: at ATMs	900	907	882	616	640
Cash deposits	89	114	148	134	143
Partial breakdown of 'cash deposits' by deposit location
Of which: cash deposits with cards issued inside the country at locations inside the country ⁷	89	114	148	134	143
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.