China payment system and mobile payments
China payment system and mobile payments are published quarterly by the People's Bank of China.
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| Indicator | Q2-2026 | Q1-2026 | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | Q2-2024 | Q1-2024 | Q4-2023 | Q3-2023 | Q2-2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bank accounts (RMB settlement), end of quarter2 | 156.58 | 156.4 | 155.56 | 153.95 | 152.38 | 150.97 | 149.51 | 148.12 | 146.95 | 145.77 | 144.65 | 143.73 | ||
| Corporate bank accounts | 1.25 | 1.23 | 1.2 | 1.19 | 1.16 | 1.14 | 1.11 | 1.09 | 1.07 | 1.05 | 1.02 | 1 | ||
| Personal bank accounts | 155.32 | 155.17 | 154.36 | 152.76 | 151.22 | 149.83 | 148.4 | 147.03 | 145.88 | 144.72 | 143.63 | 142.73 | ||
| Bank cards in issue, end of quarter2 | 102.67 | 102.61 | 102.17 | 101.49 | 100.68 | 100 | 99.13 | 98.69 | 98.59 | 98.23 | 97.87 | 97.26 | ||
| Debit cards | 95.89 | 95.74 | 95.21 | 94.42 | 93.54 | 92.79 | 91.86 | 91.32 | 91.1 | 90.63 | 90.2 | 89.47 | ||
| Credit cards (incl. combined debit-credit cards) | 6.77 | 6.87 | 6.96 | 7.07 | 7.15 | 7.21 | 7.27 | 7.37 | 7.49 | 7.6 | 7.67 | 7.79 | ||
| ATMs, end of quarter | 69.43 | 72.58 | 74.57 | 76.09 | 77.57 | 79.25 | 80.27 | 80.77 | 82.43 | 83.71 | 84.55 | 84.7 | ||
| Non-cash payments by banks: value2 | 1,698.4 | 1,645.65 | 1,552.9 | 1,503.36 | 1,365.36 | 1,318.58 | 1,453.35 | 1,322.42 | 1,319.65 | 1,347.86 | 1,338.75 | 1,326.19 | ||
| Bank card transactions: value1 | 250.51 | 289.39 | 244.19 | 234.92 | 226.7 | 257.79 | 240.23 | 226.92 | 241.49 | 259.64 | 260.77 | |||
| Bank card purchases: value | 31.56 | 33.12 | 34.06 | 33.19 | 31.57 | 32.09 | 34.58 | 33.62 | 32.01 | 33.52 | 35.54 | 34.53 | ||
| Bills (cheques, bank drafts, commercial bills): value | 22.22 | 22.32 | 24.04 | 21.28 | 23.47 | 22.46 | 27.66 | |||||||
| Non-cash payments by banks: number of transactions2 | 1,683.93 | 1,531.05 | 1,763.81 | 1,685.08 | 1,497.89 | 1,329.49 | 1,625.2 | 1,545.16 | 1,384 | 1,208.93 | 1,522.53 | 1,455.22 | ||
| Bank card transactions: number of transactions1 | 1,650.37 | 1,497.86 | 1,729.36 | 1,652.78 | 1,466.62 | 1,299.1 | 1,592.59 | 1,514.41 | 1,354.78 | 1,492.33 | 1,426.19 | |||
| Bank card purchases: number of transactions | 1,027.44 | 908.37 | 1,076.72 | 1,035.94 | 933.71 | 808.75 | 1,015.3 | 969.68 | 857.15 | 729.66 | 902.28 | 811.84 | ||
| Bills (cheques, bank drafts, commercial bills): number of transactions | 0.27 | 0.28 | 0.27 | 0.26 | 0.25 | 0.26 | 0.25 | |||||||
| Electronic payments by banks: value2 | 1,011.72 | 1,000.45 | 981.63 | 945.4 | 858.16 | 838.02 | 922.75 | 822.97 | 829.8 | 851.46 | 858.34 | |||
| Online banking payments: value | 853.6 | 816.69 | 821.02 | 792.59 | 707.85 | 669.22 | 760.43 | 677.97 | 679.81 | |||||
| Mobile banking payments: value | 144.07 | 167.15 | 145.75 | 137.53 | 136.06 | 152.64 | 147.27 | 129.96 | 134.4 | 152.07 | 134.06 | 137.71 | ||
| Electronic payments by banks: number of transactions2 | 832.96 | 778.94 | 843.13 | 834.55 | 800.53 | 719 | 786.84 | 775.54 | 753.75 | 700.54 | 771.11 | |||
| Online banking payments: number of transactions | 192.52 | 181.79 | 197.4 | 193.93 | 182.17 | 167.98 | 181.91 | 181.4 | 175.19 | |||||
| Mobile banking payments: number of transactions | 608.24 | 561.54 | 610.81 | 606.31 | 583.86 | 513.65 | 567.66 | 556.94 | 541.88 | 443.32 | 493.92 | 484.29 | ||
| Online payments by non-bank payment institutions: value | 80.11 | 84.79 | 86.25 | 85.28 | 84.17 | 83.55 | 81.87 | 80.32 | 85.93 | 87.08 | 85.77 | |||
| Online payments by non-bank payment institutions: number of transactions | 3,407.02 | 3,048.7 | 3,475.1 | 3,380.19 | 3,060.72 | 3,381.08 | 3,448.77 | 3,435 | 3,114.19 | 3,270.01 | 3,267.94 | |||
| Payment systems, total: value3 | 3,628.33 | 3,580.95 | 3,452.03 | 3,499.98 | 3,084.83 | 2,770.23 | 3,287.9 | 3,041.69 | 2,999.71 | 3,121.29 | 3,085.95 | 3,151.37 | ||
| High-value payment system (HVPS): value | 2,559.31 | 2,514.72 | 2,443.12 | 2,502.01 | 2,169.56 | 1,849.98 | 2,329.32 | 2,208.33 | 2,164.62 | |||||
| Cross-border Interbank Payment System (CIPS): value | 50.07 | 50.87 | 44.52 | 45.44 | 45.94 | 44.25 | 42.84 | 46.97 | 45.19 | 40.49 | 34.99 | 33.42 | ||
| NetsUnion clearing platform: value | 144.29 | 149.34 | 157.95 | 155.41 | 145.58 | 139.29 | 144.48 | 131.83 | 122.95 | 121.26 | 133.09 | 126.92 | 120.58 | |
| Payment systems, total: number of transactions3 | 4,372.86 | 3,988.5 | 4,534 | 4,321.43 | 3,927.51 | 3,459.22 | 4,090 | 3,805.06 | 3,371.14 | 2,900.75 | 3,537.99 | 3,358.88 | ||
| High-value payment system (HVPS): number of transactions | 10,300 | 10,100 | 11,000 | 10,300 | 9,740.62 | 9,431.69 | 10,500 | 9,437.44 | 10,300 | |||||
| Cross-border Interbank Payment System (CIPS): number of transactions | 230.64 | 208.9 | 219.08 | 222.16 | 212.12 | 190.83 | 208.05 | 213.63 | 212.92 | 187.1 | 185.68 | 176.43 | ||
| NetsUnion clearing platform: number of transactions | 3,282.71 | 2,985.91 | 3,424.42 | 3,196.71 | 2,831.8 | 2,496.31 | 3,075.29 | 2,816.9 | 2,421.97 | 2,031.43 | 2,581.81 | 2,404.21 | 2,151.56 |
Latest reading
The series on this page is quarterly and runs from Q3 2013 to Q2 2026. Source: People's Bank of China — Overall Operation of the Payment System.
About this data
China payment system and mobile payments are published quarterly by the People's Bank of China. Available since 2009, the series covers bank accounts, bank cards, ATMs, non-cash payments, mobile banking, and clearing systems including HVPS, CIPS, and NetsUnion. Transaction values are reported in trillion yuan alongside transaction volumes, with quarterly flows derived from annual and quarterly releases.
Frequently asked questions
- What is the latest figure for China payment system and mobile payments?
- Mobile banking payments: value stood at 144.07 trillion yuan in Q2 2026. That is −13.8% from Q1 2026 and +5.9% from a year earlier.
- How far back does the China payment system and mobile payments data go?
- The series on this page is quarterly and runs from Q3 2013 to Q2 2026. Source: People's Bank of China — Overall Operation of the Payment System. Every series in the table can be charted over its full history and downloaded as CSV or Excel.
- What does the China payment system dataset cover?
- The China payment system dataset tracks quarterly indicators published by the People's Bank of China, including bank accounts, debit and credit cards in issue, ATMs, non-cash payments, mobile banking, and non-bank online transactions.
- What payment systems and clearing networks are tracked in China?
- The data covers national clearing systems in China, including the High-value payment system (HVPS), the Cross-border Interbank Payment System (CIPS), and the NetsUnion clearing platform, reporting transaction values in trillion yuan and transaction counts.
- How are fourth-quarter flow figures calculated for China payment systems?
- Because the People's Bank of China releases full-year totals rather than standalone fourth-quarter reports, fourth-quarter payment flows for China are calculated by subtracting the cumulative totals of the first three quarters from the annual figure.