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Payments Report 2025
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The Swedish payments market is almost entirely digital
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Are payments in Sweden safe?
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Future payments infrastructure needs to evolve
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The future of the digital euro affects work on the e-krona
Annex: Numerical data
Payments Report 2024
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Trends in the payments market
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Payment habits in Sweden
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Everyone must be able to pay
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Trends on the payment market
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In Sweden, we prefer to pay digitally
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One in ten sends money abroad
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Are payments in Sweden safe?
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Payments Report 2021
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1. Trends on the payment market
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Pandemic hastening development towards digital payments
New opportunities and challenges with money in new forms
International harmonisation affects Sweden
2. Safety and efficiency
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Are payments in Sweden safe?
Are payments efficient?
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RIX further developed to meet future needs
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Payments in Sweden 2020
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1. The payment market is being digitalised
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The coronavirus pandemic has affected how people in Sweden and abroad are making payments
Many people make payments by mobile, for example with Swish
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Cash free – not problem-free
Why are people in Sweden no longer using cash?
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Are payments in Sweden secure?
Are payments in Sweden efficient?
Fintech brings new solutions for the payment market
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Swedish banknotes and coins – the Riksbank's new responsibility for cash handling
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Payments in Sweden 2019
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The payment market is being digitalised
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Swedish payments are secure and efficient
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Digitalisation makes payments more efficient
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Payments Report 2025
The Riksbank's work and recommendations
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Payments & cash
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Payments Report
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Payments Report 2025
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The Riksbank's work and recommendations
The Riksbank's work and...
Annex: Numerical data
Annex: Numerical data
Payments Report 2025
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The Riksbank's work and recommendations
Annex: Numerical data
Annex:
Numerical data Payments report 2025 (Excel)
Published: 10 March 2025
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Payments Report 2025
Trends on the payments market
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The Swedish payments market is almost entirely digital
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Card payments most common but mobile phone payments on the rise
Cash use continues to decline
Small businesses' views on payments
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Card payments are the most accepted payment method among small businesses
Many companies prefer card payments but want to receive the money directly
Many small retail businesses have stopped accepting cash
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Cash acceptance differs widely between sectors
Security risks the main reason why businesses stopped accepting cash
Few small businesses say they can accept offline payments by card
Small businesses have difficulty estimating the cost of receiving payments
The Cash Inquiry proposes that food, medicine and public charges can be paid in cash
Global trends in the payments market
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Measures taken to address the decline in cash use
Cross-currency and cross-border payment systems are interconnected
Polarisation and fragmentation in the global payments infrastructure
Increased focus on resilience and preparedness
Preparations for a digital euro continue
Tokenisation and wholesale CBDC explored
Safety, efficiency and accessibility
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Are payments in Sweden safe?
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Swedish payments are safe but digitalisation adds to vulnerability
Fraud remains a major problem
Cash is used in criminal activities but cashless shops can create other problems
Number of forged banknotes has declined from a high level
A government e-ID could strengthen resilience
Are payments in Sweden efficient?
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Digital payment payments in Sweden are efficient
Many firms have difficulty estimating the cost of receiving payments
More competition among in-store payment methods is a good thing
Self-service can be effective but requires consumers to be able to pay digitally
There are too few ways to make instant payments in Sweden
Instant payments increase efficiency
RIX-INST enables competition and innovation
Faster and cheaper payments between countries
Foreign payments have become more efficient but much work remains to be done
Modernising the clearing infrastructure
Increased access to payment infrastructure can lead to more efficient payments
Are payments in Sweden accessible?
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Still problems with access to payment accounts
Access to basic payment services does not meet society's needs
Some digital payment methods are more accessible than others
New regulation can help increase accessibility
Difficult to get help with payments
The Riksbank's work and recommendations
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The public's ability to pay in times of crisis and states of heightened alert needs to be strengthened
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The Sveriges Riksbank Act includes provisions on preparedness for payments
Need to extend the possibility to pay by card offline
The Riksbank takes the lead in peacetime crises and states of heightened alert
The Riksbank's responsibility for cash
More measures needed for a sustainable cash chain
Introduce a cash obligation and a threshold for cash payments
Everyone shall be able to pay
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Access to payment accounts needs to increase
Payment options for different consumer needs
Future payments infrastructure needs to evolve
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Developments in the payments market require modernisation of the infrastructure
External evaluation of payments infrastructure points to areas for improvement
Riksbank study on future Swedish payments infrastructure
Modernisation of the clearing infrastructure is urgent
Broadening the influence over the future payments infrastructure
Strengthening the conditions for competition in the payments market by increasing price transparency
The RIX payments system needs to be able to handle future challenges
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The Riksbank is modernising its systems
The future of the digital euro affects work on the e-krona
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The Riksbank's work on a central bank digital currency
Important to follow the development of a digital euro
E-krona project phase 4 - Offline payments
Climate impact of a potential e-krona
Annex: Numerical data
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Annex: Numerical data
Annex: Numerical data
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