Tables

Payment transactions by type of payment instrument

	Volume (number, m)				Value (€ bn)
	2014	2015	2016	2017	2014	2015	2016	2017
Credit transfers	866,50	878,89	908,79	944,57	2601,06	2736,42	2731,85	2786,19
Card payments with domestic cards	1330,68	1419,43	1535,94	1652,64	42,51	44,06	45,80	47,92
Direct debits *	2,55				2,32
Cheques redeemed in Finland	0,21	0,08	0,07	0,04	6,19	1,82	2,25	1,18

* Domestic direct debits prior to migration to the Single Euro Payments Area (SEPA) on 1 February 2014.

credit transfers 

	Volume (number, m)				Value (€ bn)
	2014	2015	2016	2017	2014	2015	2016	2017
Credit transfers *	866,50	878,89	908,79	944,57	2601,06	2736,42	2731,85	2786,19
SEPA	860,12	863,69	889,64	923,50	1729,75	1890,30	1961,18	1936,93
Non-SEPA**	6,38	15,20	19,15	21,06	871,31	846,12	770,67	849,27
Domestic	860,56	870,97	897,65	931,83	2179,70		2327,84	2344,48
Cross-border, total	5,94	7,92	11,14	12,74	421,36		404,01	441,71
Belgium	0,12	0,12	0,20	0,22	4,62	4,85	5,87	11,95
Bulgaria	0,01	0,02	0,04	0,03	0,13	0,08	0,11	0,16
Spain	0,27	0,37	0,41	0,56	1,87	2,89	3,70	4,62
Netherlands	0,65	0,96	1,64	1,96	11,09	14,99	13,80	15,69
Ireland	0,03	0,04	0,11	0,17	0,59	1,15	1,35	1,51
United Kingdom	0,32	0,39	0,53	0,61	97,74	110,55	103,53	119,33
Italy	0,15	0,18	0,30	0,40	1,46	2,09	2,54	3,47
Austria	0,08	0,10	0,16	0,26	1,65	1,36	1,90	2,69
Austria	0,02	0,02	0,03	0,03	0,14	0,10	0,12	0,12
Croatia	0,01	0,01	0,01	0,01	0,10	0,09	0,08	0,12
Cyprus	0,00	0,01	0,01	0,01	0,06	0,09	0,12	0,12
Latvia	0,06	0,09	0,14	0,17	0,74	0,93	1,16	1,48
Lithuania	0,03	0,07	0,09	0,16	0,63	0,98	1,27	1,40
Luxembourg	0,01	0,02	0,02	0,03	1,71	2,76	3,24	6,34
Malta	0,00	0,01	0,01	0,01	0,05	0,12	0,20	0,30
Portugal	0,07	0,08	0,07	0,12	0,15	0,23	0,31	0,39
Poland	0,10	0,14	0,21	0,26	3,42	3,31	4,61	4,78
France	0,54	0,46	0,31	0,37	23,00	28,38	31,58	31,97
Romania	0,01	0,03	0,08	0,06	0,07	0,09	0,13	0,15
Sweden	0,83	1,07	1,46	1,64	78,92	81,27	64,85	81,30
Germany	0,86	1,16	1,78	1,92	70,72	77,02	80,62	82,11
Slovakia	0,02	0,02	0,04	0,05	0,11	0,26	0,33	0,42
Slovenia	0,01	0,01	0,01	0,02	0,10	0,12	0,17	0,20
Denmark	0,13	0,17	0,22	0,29	36,13		9,59	10,09
Czech Republic	0,03	0,03	0,05	0,06	1,21	0,98	1,31	0,80
Hungary	0,02	0,03	0,07	0,11	0,54	0,60	0,81	0,23
Estonia	0,66	1,29	1,86	2,13	3,37	4,63	6,04	7,05
Rest of the world (All - EU)	0,90	1,03	1,27	1,04	81,04	77,36	64,67	52,93
Euro area, total	864,14	875,96	904,85	940,45	2301,76		2482,16	2516,32
EU, total	865,60	877,86	907,52	943,52	2520,02	2659,05	2667,18	2733,27
Credit transfers initiated in paper-based form	22,66	22,78	20,94	19,51	90,99	346,44	343,17	295,48
Credit transfers initiated electronically in a file/batch	312,25	340,68	344,25	355,93	1129,37	1090,09	1149,45	1172,39
Credit transfers initiated electronically on a single payment basis	531,59	515,43	543,60	569,13	1380,70	1299,89	1239,23	1318,32

* Credit transfers comprise all customer payments in the form of credit transfer: SEPA and non-SEPA (e.g. customer payments sent via TARGET2, payments via correspondent banks and urgent payments).
** Owing to reporting problems, the volumes and values for 2014 are lower than actural figures.

SEPA credit transfers

	Volume (number, m)				Value (€ bn)
	2014	2015	2016	2017	2014	2015	2016	2017
SEPA credit transfers	860,12	863,69	889,64	923,50	1729,75	1890,30	1961,18	1936,93
Domestic	852,75	857,44	880,30	912,46	1675,04		1897,34	1855,63
Euro area	858,27	862,21	887,25	920,91	1709,95		1936,07	1902,58
EU	859,84	863,42	889,16	923,27	1727,23	1888,07	1958,37	1932,71
Rest of the world (All - EU)	0,28	0,28	0,47	0,23	2,51	2,23	2,80	4,22

Payments via correspondent banks

	Volume (number, 1,000 )				Value (€ bn)
	2014	2015	2016	2017	2014	2015	2016	2017
Credit transfers	1600,33	1664,15	1783,32	1672,00	430,63	454,01	393,30	382,95
By currency *
EUR	532,50	514,12	505,90	499,73	238,45	272,41	249,39	255,20
USD	391,96	408,67	415,94	429,36	95,82	82,71	72,90	81,81
SEK	360,13	382,80	371,75	367,27	35,11	35,96	19,04	14,27
GBP	98,36	96,78	99,39	103,45
NOK	46,92	53,86	54,92	57,98	11,68	9,07	7,01	4,64
DKK	25,86	26,56	26,97	27,84	2,32	2,87	1,46	1,29
By country
United Kingdom	157,67	146,20	154,19	165,13	92,21	103,57	93,46	106,32
France		7,89	8,95	9,17	21,49	26,20	28,00	23,50
Sweden	406,08	413,22	398,26	399,51	74,70	71,36	53,15	63,91
Germany	85,00	74,80	42,49	34,92	64,24	66,49	64,48	62,39
Finland	45,57	90,58	84,00	77,52	62,84	75,86	61,52	38,73
Denmark	36,43	34,38	35,26	35,62		9,94	6,91	6,82
EU, total	935,86	918,19	1002,80	873,75	351,63	379,63	331,93	335,08
Rest of the world	664,47	745,96	780,51	798,26	79,01	74,38	61,37	47,86

* The table includes the largest figures based on 2017 volumes and values that fulfil the disclosure criteria.

card payments

	Volume (number, m)				Value (€ bn)
	2014	2015	2016	2017	2014	2015	2016	2017
Card payments	1330,68	1419,43	1535,94	1652,64	42,51	44,06	45,80	47,92
Contact payment terminal	1291,50	1351,42	1320,48	1207,19	40,39	41,64	41,74	41,45
of which domestic	1245,96	1297,70	1257,64	1138,48	38,05	38,93	38,76	38,23
Contactless payment	3,55	29,14	162,50	376,05	0,03	0,23	1,36	3,26
of which domestic	3,51	28,92	161,40	371,91	0,03	0,23	1,34	3,22
Remote payment	35,62	38,87	52,96	69,40	2,10	2,18	2,70	3,20
of which domestic	8,60	7,28	9,73	17,71	0,80	0,68	0,79	0,97
Domestic, total	1258,07	1333,91	1428,77	1528,10	38,88	39,85	40,90	42,43
Cross-border, total	72,61	85,53	107,17	124,54	3,63	4,21	4,90	5,49
Belgium	0,35	0,41	0,46	0,56	0,03	0,03	0,03	0,03
Bulgaria	0,03	0,04	0,05	0,08	0,00	0,00	0,00	0,00
Spain	2,82	3,18	3,92	5,07	0,19	0,22	0,28	0,42
Netherlands	0,86	2,32	7,88	9,33	0,07	0,10	0,18	0,21
Ireland	2,19	2,76	3,80	8,67	0,11	0,15	0,21	0,28
United Kingdom	16,22	17,89	24,24	27,26	0,66	0,77	0,94	1,06
Italy	0,82	1,12	1,28	1,55	0,07	0,09	0,10	0,11
Austria	0,40	0,44	0,54	0,64	0,04	0,04	0,05	0,05
Greece	0,18	0,24	0,38	0,56	0,02	0,03	0,03	0,05
Croatia	0,11	0,20	0,28	0,39	0,01	0,01	0,02	0,02
Cyprus	0,33	0,43	0,64	0,68	0,01	0,02	0,02	0,03
Latvia	0,34	0,42	0,59	0,84	0,02	0,02	0,03	0,04
Lithuania	0,14	0,16	0,20	0,24	0,01	0,01	0,01	0,01
Luxembourg	10,98	11,57	8,33	5,14	0,19	0,24	0,19	0,16
Malta	1,65	2,29	3,84	5,13	0,06	0,08	0,15	0,19
Portugal	0,29	0,42	0,59	0,76	0,02	0,03	0,03	0,04
Poland	0,43	0,56	0,80	0,99	0,02	0,02	0,03	0,03
France	2,07	2,47	3,13	3,03	0,16	0,19	0,23	0,17
Romania	0,03	0,04	0,06	0,08	0,00	0,00	0,00	0,00
Sweden	9,45	12,45	17,13	21,25	0,53	0,59	0,69	0,75
Germany	2,13	2,94	3,34	3,93	0,20	0,22	0,25	0,28
Slovakia	0,03	0,04	0,05	0,10	0,00	0,00	0,00	0,00
Slovenia	0,04	0,06	0,07	0,09	0,00	0,00	0,00	0,00
Denmark	1,29	1,64	1,91	2,09	0,07	0,08	0,09	0,10
Czech Republic	0,22	0,30	0,41	0,51	0,01	0,02	0,02	0,03
Hungary	0,27	0,34	0,41	0,47	0,01	0,02	0,02	0,02
Estonia	7,10	7,67	8,43	9,08	0,27	0,30	0,32	0,32
Rest of the world (All - EU)	11,84	13,12	14,41	16,00	0,86	0,93	0,99	1,06
Euro area, total	1290,79	1372,85	1476,25	1583,51	40,34	41,61	42,99	44,83
EU, total	1318,84	1406,31	1521,53	1636,64	41,66	43,13	44,81	46,85
Payments by cards with a debit function	1189,92	1269,45	1380,62	1492,43	34,36	35,29	36,91	38,74
Contact payment terminal	1173,30	1223,08	1189,41	1077,87	33,93	34,51	34,65	34,30
Contactless payment	3,34	28,59	161,29	373,15	0,03	0,23	1,34	3,24
Remote payment	13,28	17,77	29,92	41,41	0,41	0,55	0,91	1,20
Finland	1151,58	1221,72	1316,10	1414,18	33,16	33,78	34,92	36,35
Cross-border	38,34	47,72	64,52	78,25	1,20	1,51	1,99	2,39
Payments by cards with a delayed debit function	15,36	21,08	20,29	20,92	1,29	1,83	1,84	2,00
Contact payment terminal	13,25	17,28	17,73		1,04	1,36	1,35
Contactless payment
Remote payment				3,10				0,57
Finland	12,34	16,70	15,55	15,64	0,82	1,13	1,12	1,21
Cross-border	3,02	4,38	4,75	5,28	0,47	0,70	0,72	0,79
Payments by cards with a credit function	49,87	53,45	63,80	139,28	2,75	2,95	3,46	7,17
Contact payment terminal	47,64	50,34	57,77		2,59	2,75	3,06
Contactless payment	0,04	0,15	0,40		0,00	0,00	0,00
Remote payment	2,19	2,96	5,62	24,89	0,16	0,22	0,40	1,44
Finland	38,54	39,97	45,17	98,28	2,04	2,14	2,39	4,87
Cross-border	11,33	13,48	18,62	41,01	0,71	0,80	1,08	2,30
Payments by cards with a credit and/or delayed debit function *	75,52	75,46	71,23		4,11	4,00	3,58
Contact payment terminal	57,31	60,72	55,56		2,83	3,04	2,68
Contactless payment
Remote payment
Finland	55,60	55,52	51,95		2,86	2,80	2,47
Cross-border	19,92	19,94	19,28		1,25	1,20	1,11

* Card payments included previously in this category have since 2017 been reported based on the card’s function, either in category ‘payments with cards with a delayed debit function’ or ‘payments with cards with a credit function’.

cash

	Volume  (number, m)				Value (€ bn)
	2014	2015	2016	2017	2014	2015	2016	2017
Cash withdrawals at ATMs	145,1	137,1	124,3		14,4	13,9	13,0	12,1
of which with domestic cards	143,7	135,7	123,0		14,2	13,6	12,8	11,9
Cash deposits at ATMs	0,8	2,1	2,9		0,3	0,8	1,0

Number of ATMs and payment terminals at year-end

	Number
	2014	2015	2016	2017
ATMs with a cash withdrawal function	1637	1546	1457	1498
ATMs with a credit transfer function	573	515	466	429
EFTPOS terminals	156900	153400

cards broken down by card function

	Volume (number, m)
	2014	2015	2016	2017
Cards in total * **	9,0	9,5	9,8	9,9
Cards with EMV compatibility		9,4	9,6	9,6
Cards with just a magnetic stripe		0,1	0,1
Cards with a cash function	9,0	9,4	9,5	9,6
Cards with a payment function	9,0	9,4	9,6	9,8
Cards with a debit function, Online debit cards	2,8	2,8	2,8	2,9
Cards with a debit function, Offline debit cards	4,3	4,6	4,7	5,1
Cards with a delayed debit function	0,4	0,5	0,5	0,4
Cards with a credit function	1,7	2,0	2,1	4,3
Cards with a credit and/or delayed debit function ***	2,5	2,4	2,4
Combination cards, i.e. cards with a debit function and either a delayed debit or a credit function				3,1
Cards with NFC functionality	1,8	3,8	5,2	7,0

* A card may combine several functions; therefore, the total of different functions does not equal the total number of cards.
** E-money-related cards issued in Finland are taken into account in the total number of cards.
*** Cards reported previously in this category have since 2017 been reported based on the card’s function, either in category ‘cards with a delayed debit function’ or ‘cards with a credit function’.

online shopping and remote payments

	Volume (number, m)				Value (€ bn)
	2014	2015	2016	2017	2014	2015	2016	2017
Card payments on a remote basis	35,62	38,87	52,96	69,40	2,10	2,18	2,70	3,20
Finland	8,60	7,28	9,73	17,71	0,80	0,68	0,79	0,97
Cross-border	27,03	31,59	43,23	51,69	1,29	1,50	1,90	2,23
Website payment button	56,88	65,61	77,51	88,20		4,75	5,43	6,98

Customer applications and e-invoicing

	Agreements (number, 1,000)				Transactions (number, m)
	2014	2015	2016	2017	2014	2015	2016	2017
Customer identification service (Tupas)	4	4	5	4	56,2	69,4	84,7	100,9
Online banking agreements		6230	6427	6647
Individual consumers' online banking agreements with e-invoicing	3913	4002	4097	4296
Agreements on sending e-invoices*	207	254	263	235
Agreements on receiving e-invoices **	234	236	248	261
Electronic invoices sent by banks and operators ***
Total number of electronic invoices sent					190	220	300	330 ****
Invoices transmitted to recipients as electronic invoices					130	160	190	220 ****

* Agreement made by a firm with its bank to send e-invoices.
** Agreement made by a firm with its bank to receive e-invoices.
*** Includes e-invoices along with EDIFACT, XML or corresponding invoices sent by operators. Invoices sent via email are not included. EDIFACT, XML or corresponding invoices sent by operators are not included in 2014 data.
**** Premilimary data.

 

NOTE! Empty fields refer to figures not fulfilling disclosure criteria, or with which there have been reporting problems. A figure does not fulfill the disclosure criteria if there are less than three underlying reporting agents or the share of the largest reporting entity in comparison to the total reported figure is greater than 80 %. A field can also be empty if value of another field, which does not fulfill the disclosure criteria, could directly be calculated based on it.