Sweden 2025

Market Overview Payment Organisations BDB Bankernas Depå.  Bankomat AB manages the Bankomat ATM network.  Getswish AB operates the immediate payment service, Swish.  Domestic Payment Brands No domestic card brand. Swish, the immediate A2A payment service of the Swedish banks.  Market Structure Swedish debit cards are branded Mastercard, VISA, Debit Mastercard, Maestro, VISA Debit or Electron.  […]

Norway 2025

Market Overview Payment Organisation VBB AS, interbank organisation that merged Vipps, BankAxept, and BankID. In 2022, BankID and BankAxept demerged from Vipps.  Domestic Payment Brands BankAxept debit cards; mostly co-badged VISA or Electron.  BankAxess is the domestic online bank transfer service for payments of purchases in online shops.  Vipps, the digital A2A payment app for […]

Iceland 2025

Market Overview Payment Organisation Greiðsluveitan Domestic Payment Brands No domestic payment brands. Market Structure Card use in Iceland is the highest in the world, reflecting the extension of card payments into new areas. As there is no Giro system, cards take the place of direct debits for recurring payments.  In 2023, there were 117.1 million […]

Finland 2025

Market Overview Payment Organisations Automatia (ATM network); Finnish Bankers Association.  Finance Finland (FFI).  Domestic Payment Brand No domestic card brand.  Market Structure Sophisticated market with a high level of card use. However, numbers of ATMs and cash withdrawals continued to decline.  Cards with combined debit/credit functions for domestic and international use respectively. As at end-2023, […]

Denmark 2025

Market Overview Payment Organisation BOKIS, interbank organisation of the small Danish banks.  MobilePay Denmark, operator of the mobile payment service, MobilePay.  Domestic Payment Brands Dankort debit cards; co-badged VISA for international use. MobilePay is the mobile A2A payment service in Denmark.  Market Structure Card use, already among the highest in Europe, hit 440.0 card payments […]