The Kingdom of Spain is a sovereign state and a member of the European Union located in southwestern Europe on the Iberian Peninsula. Its mainland is bordered to the south and east by the Mediterranean Sea. Link to external site : Website for Spain |  |
| Wallets | |
| Development | Developed |
| Send or Receive |
Send Register/Log In |
| GDP ($m) |
1,436,890.96 Register/Log In |
| HDI classification | Very High |
| Mobile Connections (m) |
59.400 Upgrade to Bronze |
| Currency | EUR |
| Class | |
| CountryISO | ES |
| Sovereignity | Country |
| Territory of | - NA - |
{"type":"GeoChart","data":[["Country","Population(m)","Rank"],["ES",44.879,27]],"options":{"title":"Countries","region":"ES","displayMode":"regions","colorAxis":{"minValue":0,"maxValue":1500,"colors":["yellow","green","red"]}}}
{"type":"PieChart","data":[["Operator","Connections"],["Movistar (Telef\u00f3nica)",25000006],["Vodafone",17500000],["Orange",13900000],["Yoigo (TeliaSonera)",3000000]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",24256779],["Q4 2001",29654462],["Q4 2002",33531204],["Q4 2003",37507000],["Q4 2004",39186000],["Q4 2005",43113000],["Q4 2006",47038900],["Q4 2007",50154600],["Q4 2008",52486800],["Q4 2009",53833600],["Q4 2010",55470333],["Q4 2011",56929623],["Q4 2012",58103907],["Q4 2013",58968597],["Q4 2014",59568381]],"options":{"title":"Connections"}}
| Channel Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["ATM",2],["Agent",1],["Email",1],["Location",1],["Mobile",9],["Voice",1],["Web",4]],"options":{"title":"Initiatives ( 11 of 11 )"}} |
| COT Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["",1],["Bank",10],["Scheme",2]],"options":{"title":"Initiatives ( 11 of 11 )"}} |
| Persona Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["DB",1],["DN",1],["DW",2],["MB",2],["MMT",1],["MP",1],["MT",2],["MW",1]],"options":{"title":"Initiatives ( 11 of 11 )"}} |
| Products |
{"type":"ColumnChart","data":[["Category","Initiatives"],["AT",1],["Alerts",1],["Anon",1],["Card",2],["DMT",5],["DW",1],["HVP",2],["IMT",4],["LVP",1],["MB",3],["MM",1],["MP",5],["MW",2],["NFC",2],["OB",1],["OP",2],["PaySys",1]],"options":{"title":"Initiatives ( 11 of 11 )"}} |
| PI Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Account",6],["Card",5],["Cash",1],["NFC",1],["Wallet",3]],"options":{"title":"Initiatives ( 11 of 11 )"}} |
| Central Bank | |
| Key Regulations | |
| Type of law |
Civil Upgrade to Bronze |
| Legal System |
Civil law system with regional variations Upgrade to Bronze |
| Law is based on |
Influenced by the Napoleonic Code, it also has some elements of Spain's legal tradition; Upgrade to Bronze |
| Approach |
Ex Ante Upgrade to Bronze |
| Sectors active in Digital Money | |
| Exclusivity | |
| Certainty | |
| Openness | |
| Proportionate? | |
| Allowed Models |
NB Led Upgrade to Bronze |
| DominantModel |
| E-Money | |
| Payment | |
| Agent | |
| Money Transfer | |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",129.95],["Banked",95],["Internet",44],["Urban",77],["Adult",85],["Literate",97.93884242]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 44.88 |
| Adult % | 85.00 |
| Migrants % |
11.00 Register/Log In |
| Stock Immigrants ('000) |
6,377.50 Upgrade to Bronze |
| Emigration Rate % | |
| Internal Migrants ('000) |
8,600.00 Upgrade to Bronze |
| Internal Migration Rate % |
22.40 Upgrade to Bronze |
| Intl Movement Rate % | |
| Urban % | 77.00 |
| Female % | 47.70 |
| Literate % | 97.94 |
| Annual Growth % |
| Mobile Penetration % | 129.95 |
| Banked % | 95.00 |
| Access to FS % | 0.00 |
| Internet % | 44.00 |
| Branches per 100k adults | 117.41 |
| ATMs per 100k adults | 157.10 |
| POS per 100k adults | 3,523.04 |
| Prepaid % | 40.50 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 2.24 |
| Monthly ARPU |
37.76 Upgrade to Bronze |
| Cards 2010 ('000) | |
| Propensity % |
| Overall | |
| Population | |
| On Remittance Sent | |
| On Remittance Received | |
| Mobile Unbanked | |
| Migrant % | |
| MP % | |
| Banked % | |
| Development |
| Can Provide Payments? | |
| Can Market under Brand? | |
| Can issue E-Money? | |
| Can Open Customer Account? | |
| Can Own Customer? | |
| Can do Cash In/Cash Out? | |
| Can offer Domestic Money Transfer? | |
| Can offer International Money Transfer? |
| Importance for Digital Money | |
| Digital Money Adoption |
Mobile Payment Upgrade to Bronze |
| Registered Wallet Users | |
| Top Wallets | |
| Informal Market | |
| Cost To Remit | |
| Key Players |