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
« ‹ 2019 › »	2015	2016	2017	2018	2019
	2015	2016	2017	2018	2019
PART A: Value of cashless payments
Total value of cashless payments ¹	17,079	16,506	11,909	11,298	11,526
Breakdown of 'total value of cashless payments' by instrument type
Credit transfers	15,541	14,965	10,198	9,798	9,916
Breakdown of 'credit transfers' into domestic and cross-border sent
Domestic	12,709	12,380	7,978	8,027	8,346
Cross-border sent	2,832	2,585	2,220	1,771	1,570
Memo: cross-border received	3,121	2,957	2,649	2,556	2,374
Breakdown of 'credit transfers' by device presence/absence
Device-present: paper-based	10,532	9,709	4,540	3,999	3,839
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	5,014	5,256	5,658	5,799	6,078
Direct debits	532	534	645	614	673
Breakdown of 'direct debits' into domestic and cross-border sent
Domestic	475	490	575	529	579
Cross-border sent	57	45	70	85	93
Memo: cross-border received	8	9	6	3	5
Cheques	415	434	476	332	338
Partial breakdown of 'cheques'
Of which: paper-based	415	434	476	332	338
Other payment instruments ²	461	425	424	367	388
Card and e-money payments (with cards and e-money issued inside the country)	131	148	167	187	211
Breakdown of 'card and e-money payments' by function
By card with a debit function	68	81	93	115	130
By card with a delayed debit function ³	63	67	74	72	81
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	113	126	139	152	165
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	117	131	148	165	184
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	14	17	18	22	26
MEMO: Card and e-money payments at terminals inside the country (with cards and e-money issued inside and outside country) ⁴	128	142	160	172	182
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	128	142	160	172	182
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	17	20	23	24	26
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	5,467	5,143	1,252	1,235	1,438
MEMO: Money remittances	4	4	4	5	6
PART B: Value of withdrawal/deposit transactions
Total value of withdrawals/deposits	264	267	278	272	294
Breakdown of 'total value of withdrawals/deposits' into withdrawals and deposits
Cash withdrawals	242	236	239	222	230
Breakdown of 'cash withdrawals' by withdrawal location
Cash withdrawals with cards issued inside the country at locations inside the country	240	234	238	221	229
Breakdown of 'cash withdrawals with cards issued inside the country at locations inside the country' by terminal type
At ATMs	108	111	115	119	119
At POS terminals	nav	nav	nav	nav	nav
At bank branches, without the use of an ATM ⁵	132	123	122	102	110
Cash withdrawals with cards issued inside the country at locations outside the country	1	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	247	241	245	228	235
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	115	118	123	126	126
Partial breakdown of 'cash withdrawals' by terminal type
Of which: at ATMs	109	112	117	120	120
Cash deposits	22	31	39	50	64
Partial breakdown of 'cash deposits' by deposit location
Of which: cash deposits with cards issued inside the country at locations inside the country ⁷	22	31	39	50	64
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.