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.