Cash maintains its importance as a means of payment according to the Bank of Spain
The Bank of Spain publishes its fifth study on payment habits, where cash remains the main means for 57% of the population and as a refuge in the event of electronic failures.
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Published on 27 October 2026. The news, plans and figures cited reflect that context and may have changed since.
The Bank of Spain publishes its fifth study on the use of cash
The Bank of Spain released on 26 October 2026 the fifth edition of its Study on habits in the use of cash. According to the results, cash remains the main means of payment for 57% of the population in purchases in physical establishments, a figure that remains stable compared to the previous year.
The report highlights that mobile devices have increased their use, rising from 15% to 18%, while the physical card has reduced its share from 27% to 25%. In addition, 92% of respondents reject the idea of a completely cashless society.
Cash as a refuge in the face of unforeseen events
The study underlines that cash maintains its relevance not only as a habitual means of payment, but also as a refuge in the face of unforeseen events and possible failures in electronic payment systems. This perception reinforces its role in citizens' everyday economy.
The data come from representative surveys and confirm trends observed in previous editions, showing a gradual evolution in payment habits without altering the dominant position of cash in physical transactions.
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