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
« ‹ 2021 › »	2017	2018	2019	2020	2021
	2017	2018	2019	2020	2021
PART A: Value of cashless payments
Total value of cashless payments ¹	11,909	11,298	11,526	10,764	11,679
Breakdown of 'total value of cashless payments' by instrument type
Credit transfers	10,198	9,798	9,916	9,511	10,385
Breakdown of 'credit transfers' into domestic and cross-border sent
Domestic	7,978	8,027	8,346	8,256	8,889
Cross-border sent	2,220	1,771	1,570	1,255	1,497
Memo: cross-border received	2,649	2,556	2,374	2,280	1,944
Breakdown of 'credit transfers' by device presence/absence
Device-present: paper-based	4,540	3,999	3,839	3,767	3,522
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	5,658	5,799	6,078	5,744	6,864
Direct debits	645	614	673	561	600
Breakdown of 'direct debits' into domestic and cross-border sent
Domestic	575	529	579	478	549
Cross-border sent	70	85	93	83	51
Memo: cross-border received	6	3	5	3	4
Cheques	476	332	338	228	237
Partial breakdown of 'cheques'
Of which: paper-based	476	332	338	228	237
Other payment instruments ²	424	367	388	253	201
Card and e-money payments (with cards and e-money issued inside the country)	167	187	211	212	256
Breakdown of 'card and e-money payments' by function
By card with a debit function	93	115	130	136	161
By card with a delayed debit function ³	74	72	81	76	94
By card with a credit function	nav	nav	nav	nav	nav
E-money payments	0	0	0	1	3
Partial breakdown of 'card and e-money payments' by device presence/absence
Of which: device-present payments	139	152	165	161	193
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	148	165	184	188	224
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	18	22	26	25	32
MEMO: Card and e-money payments at terminals inside the country (with cards and e-money issued inside and outside country) ⁴	160	172	182	164	203
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	160	172	182	164	203
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	23	24	26	12	21
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	1,252	1,235	1,438	1,126	1,179
MEMO: Money remittances	4	5	6	5	6
PART B: Value of withdrawal/deposit transactions
Total value of withdrawals/deposits	278	272	294	227	230
Breakdown of 'total value of withdrawals/deposits' into withdrawals and deposits
Cash withdrawals	239	222	230	168	164
Breakdown of 'cash withdrawals' by withdrawal location
Cash withdrawals with cards issued inside the country at locations inside the country	238	221	229	168	163
Breakdown of 'cash withdrawals with cards issued inside the country at locations inside the country' by terminal type
At ATMs	115	119	119	99	107
At POS terminals	nav	nav	nav	nav	nav
At bank branches, without the use of an ATM ⁵	122	102	110	68	56
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	3	4
Memo: Cash withdrawals with cards issued inside and outside the country at locations inside the country	245	228	235	171	167
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	123	126	126	103	112
Partial breakdown of 'cash withdrawals' by terminal type
Of which: at ATMs	117	120	120	100	108
Cash deposits	39	50	64	58	66
Partial breakdown of 'cash deposits' by deposit location
Of which: cash deposits with cards issued inside the country at locations inside the country ⁷	39	50	64	58	66
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.