Estonia

EE · EST · 233EuropeEUR €24 methods

Revised · 5 sources

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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

CategoryLeading methodShare

Bank Transfer / Bank LinkSEPA Direct Debit53%
CardVisa35%
E-WalletGoogle Pay8%
Cash—3%
Other—1%

Methods in use

top 8 of 24 · by spend

MethodTypeShare

All 24 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: 24
Banks covered: 15

Largest banks

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Sources

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