Interac 2010 Statistics

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Interac Debit

Total Transactions Transactions, Merchants, Terminals, $ Value, Users

By Inhabitants

# of Debit Terminals # of Debit Transactions

By Province

Users Transactions

Canada vs. Other Countries - Debit Use

ABM

Number of Interac Cash Transactions

By Inhabitants

ABM Cash Transactions # of ABMs

Canada vs. Other Countries - ABM Use

Fraud

Interac Debit Users by Province (in thousands)
Province	2006	2007	2008	2009	2010
Total Can.	20,920.1	21,261.6	21,524.1	22,311.7	25,100.8
AB	2,342.2	2,434.1	2,464.1	2,627.6	2,872.0
BC	2,726.9	2,775.3	2,809.6	2,949.0	3,199.2
MB	720.9	743.8	753.0	819.9	871.3
NB	477.4	505.3	511.5	567.7	614.8
NL	315.6	334.2	338.3	369.9	393.9
NS	609.0	620.7	628.4	659.7	717.8
ON	7,826.9	7,901.8	7,999.4	8,158.8	8,688.1
PEI	88.5	101.4	102.7	102.0	124.0
QC	5,218.8	5,211.3	5,275.7	5,286.0	5,684.2
SK	594.0	633.6	641.4	771.1	839.1

Interac Direct Payment Merchants by Province
Province	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008
Total Canada	289,596	310,946	328,009	350,128	365,616	378,554	391,264	404,627	410,324	413,465
AB	31,103	34,019	37,687	41,363	43,172	44,787	46,275	48,061	49,062	48,830
BC	45,482	49,400	52,198	55,757	59,100	61,507	63,080	65,364	66,130	66,224
MB	9,697	10,700	11,164	11,966	12,528	13,015	13,256	13,560	13,783	14,004
NB	7,245	7,831	8,084	8,463	8,846	9,050	9,097	9,208	9,274	9,418
N.L.	4,793	5,251	5,526	5,864	6,200	6,338	6,464	6,500	6,539	6,437
NS	8,353	9,093	9,524	10,127	10,637	11,076	11,354	11,524	11,778	11,924
ON	99,039	108,694	116,241	125,410	133,106	138,536	143,473	149,323	151,091	149,174
PEI	1,441	1,548	1,579	1,676	1,770	1,796	1,831	1,877	1,910	2,112
QC	72,197	74,004	75,081	77,839	77,918	79,769	83,672	86,174	87,179	91,450
SK	9,524	10,406	10,924	11,661	12,339	12,680	12,763	13,036	13,578	13,892

Number of *Interac* Cash Transactions and # ABMs per Year
Year	# Shared ABMs (in thousands)	# Interac Cash Transactions (in millions)
2010	59.6	237.1
2009	58.2	243.6
2008	57.9	257.3
2007	55.6	266.4
2006	53.4	285.0
2005	50.6	292.6
2004	47.5	294.7
2003	42.8	300.8
2002	40.0	333.3
2001	35.6	375.3
2000	31.9	366.5

Number of Automated Banking Machines per 1 Million Inhabitants
Country	2004	2005	2006	2007	2008
Belgium	1,267	1,289	1,284	1,448	1,442
Canada	1,517	1,631	1,735	1,748	1,799
France	703	763	757	821	832
Germany	638	647	654	831	968
Italy	682	698	748	817	922
Japan	1,069	1,067	1,082	1,083	1,090
Netherlands	484	461	497	521	525
Singapore	379	391	399	415	413
Sweden	315	310	309	307	304
Switzerland	722	740	759	778	790
United Kingdom	909	968	998	1,040	1,041
United States	1,303	1,335	1,318	1,375	1,336

2008 Bank for International Settlements (BIS)

Number of Automated Banking Machine Cash Transactions per Inhabitant
Country	2004	2005	2006	2007	2008
Belgium	23	24	24	28	33
Canada	34	33	32	32	31
France	20	23	23	24	25
Germany	29	29	29	23	24
Italy	7	7	8	8	9
Japan	3	3	3	3	3
Netherlands	29	28	29	28	29
Singapore	1	1	1	1	2
Sweden	37	35	33	32	32
Switzerland	14	14	13	14	15
United Kingdom	42	44	n/a	46	47
United States	37	n/a	n/a	n/a	n/a

2008 Bank for International Settlements (BIS)

Interac Debit Transactions, Merchants, Terminals, $ Value, and Users per Year
Year	# of Monthly Users (in millions)	# Debit Terminals (in thousands)	# Merchants (in thousands)	Total # of approved transactions (in millions)	$ Value of transactions (in billions)
2010	23.9	727.3	450.7	3,971.39	175.62
2009	22.3	708.7	435.8	3,881.95	171.36
2008	21.5	630.5	413.5	3,705.43	168.58
2007	21.3	603.2	410.3	3,451.77	156.82
2006	20.9	591.9	404.6	3,293.19	148.70
2005	20.5	571.4	391.3	3,070.06	137.42
2004	19.8	546.0	378.6	2,819.20	124.40
2003	19.2	520.6	365.6	2,590.00	116.00
2002	18.5	494.9	350.1	2,404.06	104.87
2001	17.6	463.2	328.0	2,236.60	94.90
2000	16.7	438.2	310.9	1,960.10	85.20

Interac Debit Transactions by Province (in millions)
Province	2006	2007	2008	2009	2010
Total Can.	3,293.19	3,451.77	3,705.40	3,881.95	3,971.39
AB	455.2	492.0	524.3	539.4	547.9
BC	488.7	521.9	562.7	572.9	577.9
MB	118.3	123.1	130.9	146.5	142.9
NB	78.1	83.2	93.6	96.6	96.8
NL	56.8	63.2	67.7	73.1	72.3
NS	104.5	110.1	119.2	128.1	126.1
ON	1,138.5	1,191.2	1,258.2	1,372.0	1,336.2
PEI	15.1	15.8	20.6	18.7	19.0
QC	737.5	738.9	804.7	804.4	826.7
SK	100.4	112.4	123.4	130.4	129.0

Interac Direct Payment Terminals by Province
Province	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008
Total Canada	406,050	438,179	463,244	494,921	520,563	546,022	571,353	591,939	603,248	630,534
AB	45,691	50,893	54,180	59,475	62,646	66,869	70,853	73,584	75,531	82,726
BC	62,463	68,084	72,474	77,753	82,078	86,604	90,148	93,553	95,337	98,387
MB	13,637	15,450	15,943	17,061	18,010	18,951	19,495	20,020	20,421	21,715
NB	10,052	10,768	11,228	11,836	12,471	13,155	13,615	14,036	14,233	14,445
N.L.	6,498	7,075	7,560	8,005	8,421	8,684	9,005	9,483	9,548	9,697
NS	12,196	13,194	13,930	14,879	15,711	16,591	17,249	17,796	18,126	18,689
ON	144,388	156,900	167,539	179,494	189,292	199,575	210,258	218,091	221,752	226,228
PEI	1,966	2,154	2,273	2,405	2,503	2,585	2,674	2,700	2,740	3,070
QC	96,194	99,459	103,189	107,852	112,342	115,246	119,898	124,001	126,025	134,789
SK	12,919	14,202	14,930	16,161	17,089	17,762	18,158	18,675	19,535	20,788

Total Interac Debit Transactions (In Millions) Total Debit Transactions (in millions)

Top 5 Countries in Debit Use (BIS)

Automated Banking Machine use in Canada vs. other countries

Number of Debit Terminals per Million Inhabitants
Country	2004	2005	2006	2007	2008
Belgium	10,394	9,653	10,886	11,425	11,640
Canada	17,086	17,697	18,137	18,254	18,855
France	17,048	17,464	18,071	19,546	21,469
Germany	6,303	6,906	7,023	6,881	7,221
Italy	17,295	17,976	19,984	20,710	22,490
Japan	9,732	10,765	n/a	13,169	13,361
Netherlands	11,957	12,645	13,125	18,669	19,179
Singapore	6,321	13,757	15,468	15,531	17,337
Sweden	13,792	19,561	20,107	20,473	21,178
Switzerland	11,813	14,692	15,427	16,646	18,222
United Kingdom	15,376	16,178	17,384	17,232	17,838
United States	16,672	16,963	17,288	17,039	17,020

2008 Bank for International Settlements (BIS)

Number of Debit Transactions per Inhabitant
Country	2004	2005	2006	2007	2008
Belgium	57	62	67	71	77
Canada	88	95	100	104	110
France	n/a	n/a	n/a	n/a	n/a
Germany	22	24	24	21	22
Italy	11	12	13	14	14
Netherlands	76	81	88	97	108
Singapore	28	32	34	36	37
Sweden	86	97	109	125	150
Switzerland	34	36	38	40	44
United Kingdom	61	69	76	83	88
United States	67	74	86	100	112

2008 Bank for International Settlements (BIS)

Top 5 Countries in Use of ABMs for Cash Withdrawals (BIS)

Interac Direct Payment Volumes by Retail Sector 2007
Standard Industrial Classification	Locations	Terminals	Transactions	$ Value (Total)	Avg. $ value per txn.	% of total txns.	% of total value
Beer/Liquor/Wine	5,208	9,965	139,884,058	5,434,226,144	$38.85	4%	3%
Convenience Stores	16,189	20,359	98,366,496	3,225,368,894	$32.79	3%	2%
Department Stores	13,856	42,895	300,159,262	16,202,277,390	$53.98	9%	10%
Drug Stores & Pharmacies	7,240	20,603	185,421,110	6,252,987,796	$33.72	5%	4%
Gas Station/Auto Repair	47,113	74,547	448,429,143	19,295,914,995	$43.03	13%	12%
Hardware & Gardening	11,525	21,260	128,326,677	8,031,330,730	$62.59	4%	5%
Other Services	46,892	46,955	66,456,151	3,829,384,061	$57.62	2%	2%
Prof. & Bus. Services	57,506	58,190	61,402,048	7,489,449,676	$121.97	2%	5%
Restaurant/Bars/Fast Food	56,934	76,153	522,346,662	9,277,957,411	$17.76	15%	6%
Small Food Specialty	14,854	16,684	171,394,872	4,424,481,595	$25.81	5%	3%
Specialty/Clothing	82,771	106,803	371,902,994	24,241,346,975	$65.18	11%	15%
Supermarkets	10,064	47,542	810,583,858	41,515,775,647	$51.22	23%	26%
Travel/Hotel/Car Rental	27,565	42,048	117,093,249	4,658,504,635	$39.78	3%	3%
Utility & Government	12,607	19,243	30,005,805	2,949,561,112	$98.30	1%	2%
TOTAL 2007	410,324	603,248	3,451,772,385	$156,828,567,062	$45.43	100%	100%

Year	Dollars Lost to Debit Card Fraud	Cardholders Reimbursed
2005	$70.4 million	72,000
2006	$94.6 million	119,000
2007	$106.8million	159,300
2008	$104.5 million	148,000
2009	$142.3 million	238,000
2010	$119 million	205,200

While Interac services are among the most secure in the world, debit card fraud can occur. Debit card fraud affects a fraction of one per cent of all transactions and victims are protected and will not suffer financial losses due to circumstances beyond their control.