Estonia

EE · EST · 233EuropeEUR €26 methods

5 sources

57% of all payments in Estonia are digital in 2024; only the Netherlands, Finland, and Luxembourg score higher

$430 m

e-commerce spend · 2025e

~1.2M

online population

~24%

of total retail

~98%

banked adults

~75%

credit card population

Mix Methods Behaviour Banks Sources Facts

Payment mix

share of e-commerce spend · 2025e

CategoryShare

Bank Transfer / Bank Link53%
Card35%
E-Wallet8%
Cash3%
Other1%

Methods in use

top 8 of 26

MethodType

All 26 methods in Estonia →

Checkout behaviour

Bank-link (online banking payment orders) and open banking account for 53% of e-commerce transactions by count and 76% by value

Each resident makes an average of 2+ online purchases per month

~24%

e-commerce of retail

Facts

ISO 3166: EE · EST · 233
Region: Europe
Population: 1.4M
Currency: EUR €
Internet use: ~88%
Banked adults: ~98%
Methods live: 26
Banks covered: 15

Largest banks

Compare with

Albania Bosnia and Herzegovina Iceland Cyprus

Sources

Something out of date?

Every figure on this page carries a source. Corrections are reviewed within a week.

Edit this country →

Figures are compiled from public sources, may be estimates and are not advice. Report an error · How we source data

Logos are trademarks of their owners. Trademarks and takedown →

Facts

ISO 3166: EE · EST · 233
Region: Europe
Population: 1.4M
Currency: EUR €
Internet use: ~88%
Banked adults: ~98%
Methods live: 26
Banks covered: 15

Largest banks

Compare with

Albania Bosnia and Herzegovina Iceland Cyprus

Sources

Something out of date?

Every figure on this page carries a source. Corrections are reviewed within a week.

Edit this country →

Figures are compiled from public sources, may be estimates and are not advice. Report an error · How we source data

Logos are trademarks of their owners. Trademarks and takedown →