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2025 Methods-of-Payment Survey Report: Cash in an Increasingly Digital and Mobile Economy

Author

Listed:
  • Marie-Hélène Felt
  • Saika Pacouloute
  • Angelika Welte

Abstract

The Methods-of-Payment (MOP) survey provides key insights into Canadians’ cash management and payment behaviour. In 2025, more than three in four adults report keeping cash on hand. Perceptions of cash remain positive and stable, and most Canadians do not plan to stop using it. At the same time, several indicators in the 2025 data suggest that patterns of cash use may be changing. Contactless card payments dominate in-person payments, with growing use of mobile devices.

Suggested Citation

  • Marie-Hélène Felt & Saika Pacouloute & Angelika Welte, 2026. "2025 Methods-of-Payment Survey Report: Cash in an Increasingly Digital and Mobile Economy," Staff Analytical Papers 2026-36, Bank of Canada.
    • Handle: RePEc:bca:bocsap:26-36
    DOI: 10.34989/sap-2026-36
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    JEL classification:

    • D - Microeconomics
    • D8 - Microeconomics - - Information, Knowledge, and Uncertainty
    • D83 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Search; Learning; Information and Knowledge; Communication; Belief; Unawareness
    • E - Macroeconomics and Monetary Economics
    • E4 - Macroeconomics and Monetary Economics - - Money and Interest Rates
    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money

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