🇪🇪 Estonia — Payment Behaviour Survey (Eesti Pank, 14 Nov 2025)
Key findings:
• Estonians rate payment services very highly: convenience 4.4/5, security 4.3/5.
• Main concern: increasing fraud activity.
• 87% make daily purchases in physical stores; only 3% mainly shop online.
• Payment methods are shifting:
– bank card 69% (down from 82% two years ago)
– phone/watch 23%
– among under-30s: 55% use phone/watch to pay
• Cash use is low: 8% prefer it; 20% never use cash for purchases.
• 57% have not faced refusal of cash; 14% have.
• Card acceptance issues appear mostly at markets, small shops, and beauty services.
• Person-to-person payments: mobile banking 39%, internet banking 36%, cash 23%.
• 36% have used “request money” in mobile banking (62% of under-30s).
• Cash availability stable: 63% say no change; 96% use ATMs.
• 89% prefer paper receipts, especially for large purchases.
• 32% keep savings in cash (46% among under-30s), mainly as emergency reserves.
• Support for a cashless society continues to fall:
– support 22%
– oppose 64%
• Rounding rules: 61% satisfied; 21% dissatisfied.BDW © 2025 | balticfocus.org/