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Usage of digital payment services in Sweden 2014-2020

Using online payment services became more and more common over the past few years in Sweden. The share of Swedes who used Swish increased significantly, starting at 19 percent in 2014 and reaching 94 percent in 2020. Swish is a mobile payment system which operates through a smartphone application and allows users to transfer money immediately. Another Swedish payment solution which got popular over the years was Klarna; it was used by 84 percent of the respondents in the 2020 survey. Private accounts seemed to compose the highest numbers of Swish customers in Sweden as of July 2020. In fact, nearly eight million private accounts were registered in the evaluated period.

 Value of Swish transactions 

The highest value of Swish transactions was by private accounts in 2020 and it amounted at around 616 Swedish kronor. Business and trade accounts ranked next and the average value of transactions in general amounted at around 410 Swedish kronor.

Digital payment in Sweden 

How do Swedish online shoppers prefer to pay? Card payment was the most popular digital payment method among online shoppers in Sweden in 2018 and 2019. It was followed by invoice payment and Swish in 2019. Masterpass and Apple Pay were both used by roughly one percent of the Swedes that year.

Usage of online payment services in Sweden from 2014 to 2020

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Release date

November 2020



Survey time period

2014 to 2020

Number of respondents

1,000 respondents

Age group

16-74 years old

Method of interview

Online survey

Supplementary notes

This question was phrased by the source as follows: "I VILKEN UTSTRÄCKNING ÄR DU BEKANT MED FÖLJANDE BETALTJÄNSTER?"

Figures have been added by several publications.

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