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
« ‹ 2016 › »	2012	2013	2014	2015	2016
	2012	2013	2014	2015	2016
PART A: Value of cashless payments
Total value of cashless payments ¹	nav	nav	17,820	17,079	16,506
Breakdown of 'total value of cashless payments' by instrument type
Credit transfers	nav	nav	16,248	15,541	14,965
Breakdown of 'credit transfers' into domestic and cross-border sent
Domestic	nav	nav	13,023	12,709	12,380
Cross-border sent	nav	nav	3,225	2,832	2,585
Memo: cross-border received	nav	nav	3,530	3,121	2,957
Breakdown of 'credit transfers' by device presence/absence
Device-present: paper-based	1,671	1,261	10,585	10,532	9,709
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	9,308	8,906	5,663	5,014	5,256
Direct debits	nav	nav	571	532	534
Breakdown of 'direct debits' into domestic and cross-border sent
Domestic	nav	nav	518	475	490
Cross-border sent	nav	nav	52	57	45
Memo: cross-border received	nav	nav	11	8	9
Cheques	403	344	390	415	434
Partial breakdown of 'cheques'
Of which: paper-based	403	344	390	415	434
Other payment instruments ²	nav	nav	489	461	425
Card and e-money payments (with cards and e-money issued inside the country)	106	108	122	131	148
Breakdown of 'card and e-money payments' by function
By card with a debit function	45	48	56	68	81
By card with a delayed debit function ³	61	61	66	63	67
By card with a credit function	nav	nav	nav	nav	nav
E-money payments	nav	nav	nav	0	0
Partial breakdown of 'card and e-money payments' by device presence/absence
Of which: device-present payments	nav	nav	107	113	126
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	nav	nav	110	117	131
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	nav	nav	12	14	17
MEMO: Card and e-money payments at terminals inside the country (with cards and e-money issued inside and outside country) ⁴	nav	nav	122	128	142
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	nav	nav	122	128	142
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	nav	nav	15	17	20
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	nav	nav	4,872	5,467	5,143
MEMO: Money remittances	nav	nav	nav	4	4
PART B: Value of withdrawal/deposit transactions
Total value of withdrawals/deposits	nav	nav	248	264	267
Breakdown of 'total value of withdrawals/deposits' into withdrawals and deposits
Cash withdrawals	208	215	248	242	236
Breakdown of 'cash withdrawals' by withdrawal location
Cash withdrawals with cards issued inside the country at locations inside the country	208	215	248	240	234
Breakdown of 'cash withdrawals with cards issued inside the country at locations inside the country' by terminal type
At ATMs	nav	nav	105	108	111
At POS terminals	nav	nav	nav	nav	nav
At bank branches, without the use of an ATM ⁵	208	215	143	132	123
Cash withdrawals with cards issued inside the country at locations outside the country	nav	nav	nav	1	1
Memo: Cash withdrawals with cards issued outside the country at locations inside the country ⁶	nav	nav	7	7	7
Memo: Cash withdrawals with cards issued inside and outside the country at locations inside the country	208	215	255	247	241
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	112	115	118
Partial breakdown of 'cash withdrawals' by terminal type
Of which: at ATMs	nav	nav	nav	109	112
Cash deposits	nav	nav	nav	22	31
Partial breakdown of 'cash deposits' by deposit location
Of which: cash deposits with cards issued inside the country at locations inside the country ⁷	nav	nav	17	22	31
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.