Swiss payment survey shows stable debit card use, declining cash satisfaction
The Swiss National Bank's 2025 payment methods survey found debit cards remain the most used payment instrument, while satisfaction with cash access declined. Only 2 percent of respondents favored abolishing cash.
Debit cards lead, cash access satisfaction drops
The Swiss National Bank's 2025 payment methods survey, conducted in autumn, revealed only minor changes in the use of payment instruments for in-person transactions compared to 2024.
Debit cards maintained their position as the most frequently used payment method, followed by cash and mobile payment applications.
A notable finding was the significant decrease in public satisfaction with access to cash over the past year.
Only 81 percent of the population were satisfied with their options for withdrawing cash, a noticeable drop from 88 percent in 2024.
This decline is likely attributable to the ongoing reduction of cash access points, such as ATMs, across Switzerland.
The survey gathered insights from approximately 2,000 Swiss residents through online or telephone interviews, who also recorded their daily payments in a diary for one week.
Public's enduring demand for physical currency
Despite the observed decline in satisfaction with cash access, the survey highlighted a strong public desire for cash to remain available and usable as a payment instrument in the future.
A significant majority of the population supports the continued existence of physical currency, with only 2 percent of respondents expressing a preference for its abolition.
The SNB's decision to conduct this survey annually, instead of biennially as before, reflects a commitment to promptly identify changes in payment behavior.
This new frequency will allow for closer monitoring of evolving preferences and trends in the Swiss payment landscape.
A clear signal for cash infrastructure
The survey clearly indicates a strong public preference for cash despite declining access and the rise of digital alternatives.
Policymakers should heed this signal to ensure continued infrastructure, balancing efficiency with consumer choice and societal needs.
The SNB's commitment to annual monitoring will be crucial for navigating this evolving dynamic effectively.