Estonian residents pay by card 47.5 percent of the time, compared to 30.4 percent in Latvia and 26.8 percent in Lithuania, according to figures from a commercial bank.
The comparison was based on all transactions from SEB accounts in the Baltics. Bank expert Triin Messimas said in a statement released by the bank on October 19, that card payments are more popular in densely populated areas. Lithuania's population is evenly spread and withdraw cash to pay in village shops and markets, added Messimas.
Interestingly, the more ATMs a region has, the less money is withdrawn. Messimas said the lack of available ATMs increases the amount of money withdrawn. Estonia has 0.7 ATMs for every thousand residents, while Latvia has 0.6 and Lithuania, 0.4.
An average Estonian citizen enters their PIN 59 times a month, a Latvian 24 times and a Lithuanian, 16 times.