Swiss Payment Monitor 1/2026

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Media release of February 18, 2026
 

After Temporary Stabilization, Cash is in Decline Again

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Mobile devices remain Switzerland's favorite way to pay, but in-store payment is levelling off. At the same time, cash is becoming less important for everyday payments. These are the findings of the latest "Swiss Payment Monitor" published by the University of St. Gallen and ZHAW.​

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Media release Swiss Payment Monitor 1/2026 of 18 February, 2026

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Swiss Payment Monitor 2026 - How does Switzerland pay?, Issue 1/2026 - November 2025 survey

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Suggested citation: Graf, S., Heim, N., Stadelmann, M. and Trütsch, T. (2026): Swiss Payment Monitor 2026 - How does Switzerland pay?, Issue 1/2026 - Survey November 2025, Zurich University of Applied Sciences Sciences/University of St. Gallen.

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Swiss Payment Monitor 2/2025

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Media release of August 21, 2025
 

Swiss Payment Monitor – Growth in mobile payments slows​

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Mobile payments are continuing to strengthen their leading position among all payment methods in Switzerland, but growth in terms of the number of transactions is slower than before, according to the latest Swiss Payment Monitor published by the University of St.Gallen and ZHAW.​

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Media release Swiss Payment Monitor 2/2025 of 21 August, 2025

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Swiss Payment Monitor 2025 - How does Switzerland pay?, Issue 2/2025 - May 2025 survey

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Suggested citation: Graf, S., Heim, N., Stadelmann, M. and Trütsch, T. (2025): Swiss Payment Monitor 2025 - How does Switzerland pay?, Issue 2/2025 - Survey May 2025, Zurich University of Applied Sciences Sciences/University of St. Gallen.

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Swiss Payment Monitor 1/2025

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Media release of February 18, 2025
 

Mobile payment expands its leading position​

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Almost one in three payments in Switzerland is made using a mobile device such as a cell phone, tablet or smartwatch. Cash is once again number one for in-store payments, as the latest "Swiss Payment Monitor" shows.

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Media release Swiss Payment Monitor 1/2025 of 18 February, 2025

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Swiss Payment Monitor 2025 - How does Switzerland pay?, Issue 1/2025 - November 2024 survey

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Suggested citation: Graf, S., Heim, N., Stadelmann, M. and Trütsch, T. (2025): Swiss Payment Monitor 2025 - How does Switzerland pay?, Issue 1/2025 - Survey November 2024, Zurich University of Applied Sciences Sciences/University of St. Gallen.

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Swiss Payment Monitor 2/2024

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Media release of August 22, 2024
 

Mobile payment in 1st place for the first time​

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Mobile payments have taken the top spot among all payment methods in Switzerland for the first time, measured by turnover and the number of all transactions, according to the latest Swiss Payment Monitor from the ZHAW and the University of St.Gallen.

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Media release Swiss Payment Monitor 2/2024 of August 22, 2024

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Swiss Payment Monitor 2024 - How does Switzerland pay?, Issue 2/2024 - May 2024 survey

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Suggested citation: Graf, S., Heim, N., Stadelmann, M. and Trütsch, T. (2024): Swiss Payment Monitor 2024 - How does Switzerland pay?, Issue 2/2024 - Survey Mai 2024, Zurich University of Applied Sciences Sciences/University of St. Gallen.

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Swiss Payment Monitor 1/2024

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Media release of February 22, 2024
 

Significantly Fewer Cash Payments Nowadays

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For the first time since the COVID-19 pandemic, the Swiss population has been using cash much less frequently. Mobile payments, however, are growing steadily and used almost as frequently as cash. The Swiss Payment Monitor conducted by the ZHAW and the University of St. Gallen also reveals that debit cards continue to extend their lead as the most popular means of payment.

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Media release Swiss Payment Monitor 1/2024 of February 22, 2024

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Swiss Payment Monitor 2024 - How does Switzerland pay?, Issue 1/2024 - November 2023 survey

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Suggested citation: Graf, S., Heim, N., Stadelmann, M. and Trütsch, T. (2024): Swiss Payment Monitor 2024 - How does Switzerland pay?, Issue 1/2024 - Survey November 2023, Zurich University of Applied Sciences Sciences/University of St. Gallen.

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Swiss Payment Monitor 2/2023
 

Media release of August 23, 2023
 

Mobile Payments Experience Significant Growth Surge

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The Swiss population is increasingly using mobile payment methods. Currently, only debit cards and cash are used more frequently for payments. Twint is used in every tenth transaction. This is revealed by the latest Swiss Payment Monitor from ZHAW and the University of St.Gallen.

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Media release Swiss Payment Monitor 2/2023 of August 23, 2023

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Swiss Payment Monitor 2023 - How does Switzerland pay?, Issue 2/2023 - May 2023 survey

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Suggested citation: Graf, S., Heim, N., Stadelmann, M. and Trütsch, T. (2023): Swiss Payment Monitor 2023 - How does Switzerland pay?, Issue 2/2023 - Survey May 2023, Zurich University of Applied Sciences Sciences/University of St. Gallen.

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Swiss Payment Monitor 1/2023
 

Media release of February 16, 2023
 

Cash is once again the most commonly used means of payment

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The downward trend in cash use has stopped. Around every third payment in Switzerland is made in cash. However, most of the money is spent with credit cards. This is shown by the current Swiss Payment Monitor from the ZHAW and the University of St. Gallen.

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Media release Swiss Payment Monitor 1/2023 of February 16, 2023

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Swiss Payment Monitor 2023 - How does Switzerland pay?, Issue 1/2023 - November 2022 survey

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Suggested citation: Graf, S., Heim, N., Stadelmann, M. and Trütsch, T. (2023): Swiss Payment Monitor 2023 - How does Switzerland pay?, Issue 1/2023 - Survey November 2022, Zurich University of Applied Sciences Sciences/University of St. Gallen.

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Swiss Payment Monitor 2/2022
 

Research note dated August 24, 2022
 

Half of the Swiss population open to "buy now, pay later" offers

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Around half of the Swiss population is in principle open to hire purchase options. In a hypothetical purchase situation, however, "buy now, pay later" offers were rarely selected when there were different payment options. This is shown by the current Swiss Payment Monitor from the ZHAW and the University of St. Gallen.

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Research note Swiss Payment Monitor 2/2022 of August 24, 2022

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Swiss Payment Monitor 2022 - How does Switzerland pay?, Edition 2/2022 - May 2022 survey

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Suggested citation: Graf, S., Heim, N., Stadelmann, M. and Trütsch, T. (2022): Swiss Payment Monitor 2022 - How does Switzerland pay?, Issue 2/2022 - Survey May 2022, Zurich University of Applied Sciences Sciences/University of St. Gallen.

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Swiss Payment Monitor 1/2022
 

Media release of February 24, 2022
 

Every second online payment is made on a mobile device

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Around half of online payments are now made using smartphones, tablets and the like. In addition, around 30 percent of the Swiss population now use neobanks. This is shown by the current Swiss Payment Monitor from the ZHAW and the University of St. Gallen.

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Media release Swiss Payment Monitor 1/2022 of February 24, 2022

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Swiss Payment Monitor 2022 - How does Switzerland pay?, Edition 1/2022 - November 2021 survey

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Suggested citation: Graf, S., Heim, N., Stadelmann, M. and Trütsch, T. (2022): Swiss Payment Monitor 2022 - How does Switzerland pay?, Issue 1/2022 - Survey November 2021, Zurich University of Applied Sciences Sciences/University of St. Gallen.

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Swiss Payment Monitor 2/2021
 

Research note dated August 18, 2021
 

For the first time, cash is no longer the most commonly used means of payment

For the first time, cash is no longer the most commonly used means of payment in Switzerland. It was knocked out of first place by the debit card. This is shown by the current Swiss Payment Monitor from the ZHAW and the University of St. Gallen.

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Research note Swiss Payment Monitor 2/2021 of August 18, 2021

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Swiss Payment Monitor 2021 - How does Switzerland pay?, Edition 2/2021 - May 2021 survey

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Suggested citation: Graf, S., Heim, N., Stadelmann, M. and Trütsch, T. (2021): Swiss Payment Monitor 2021 - How does Switzerland pay?, Edition 2/2021 - Survey May 2021, Zurich University of Applied Sciences Sciences/University of St. Gallen.

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Swiss Payment Monitor 1/2021
 

Media release of May 6, 2021
 

Credit card now the means of payment with the highest turnover

Since the beginning of the pandemic, the credit card has gained massively in importance compared to the other means of payment. In addition, contactless payment is becoming the new standard, which is also supported by the strong growth in mobile phone payments. This is shown by the current Swiss Payment Monitor from the ZHAW and the University of St. Gallen.

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Media release Swiss Payment Monitor 1/2021 of May 6, 2021

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Swiss Payment Monitor 2021 - How does Switzerland pay?, Edition 1/2021 - Survey November 2020

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Suggested citation: Graf, S., Heim, N., Stadelmann, M. and Trütsch, T. (2021): Swiss Payment Monitor 2021 - How does Switzerland pay?, Edition 1/2021 - Survey November 2020, Zurich University of Applied Sciences Sciences/University of St. Gallen.

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Swiss Payment Monitor 2020

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Media Release   EN / FR / EN
Booklet   EN / FR / EN

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Suggested citation: Gehring, B., Graf, S. and Trütsch, T. (2020): Swiss Payment Monitor 2020, Zurich University of Applied Sciences/University of St. Gallen.

 

 

Swiss Payment Monitor 2019

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Media Release   EN / FR / EN
Booklet   EN / FR / EN

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Suggested citation: Gehring, B., Graf, S. and Trütsch, T. (2019): Swiss Payment Monitor 2019, Zurich University of Applied Sciences/University of St. Gallen.

 

 

Swiss Payment Monitor 2018

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Media Release   EN / FR / EN
booklet EN / FR / EN
 

Suggested citation: Gehring, B., Graf, S. and Trütsch, T. (2018): Swiss Payment Monitor 2018, Zurich University of Applied Sciences/University of St. Gallen.

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