Credit card usage in Sweden 2010-2020

The use of credit cards in Sweden did not change during the period from 2012 to 2014, according bi-yearly surveys, but increased significantly in 2020 when the share reached 51 percent. Credit card usage increased from 27 percent in 2010 to 29 percent in 2012, and to 31 percent in 2014. The user share of credit cards then stayed at 31 percent until 2018. the total value of credit card payments reached 302 billion Swedish kronor in 2020.

Debit card payments

      What seemed to be a rather more common payment method in Sweden during that period were payments via debit card, which stayed at a usage share of 93 percent since 2014, but declined slightly down to 92 percent in 2020. Since 2009, the number of payments made with debit cards increased annually. In 2009, around 1.3 billion debit card payments were made, and in 2019 the number had increased to nearly 3.1 billion.

Mobile payment: Swish

   The Swedish mobile payment service Swish was launched in 2012 and has become more and more popular. As of July 2020, the payment app had over 7.8 million customers, most of them private accounts. The average value per Swish transaction during that period was 513 Swedish kronor.

Usage of credit cards in Sweden in selected years from 2010 to 2020

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Release date

November 2020



Survey time period

2010 to 2020

Number of respondents

2,013 respondents

Age group

16-84 years

Method of interview

Telephone interviews and online survey

Supplementary notes

Original survey question: "Which of the following payment methods have you used (for private use) in the past month?"

The figures have been taken from several publications.

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