Estonia — Payment Behaviour Survey (Eesti Pank, 14 Nov 2025)

🇪🇪 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/