Almost all bank transactions are carried out electronically, through card payments, Internet banking, direct contracts, standing orders or services of phone banking or m-banking. Estonians using so many banking services is a result of the fact that most wages and almost all government grants are paid directly to bank accounts.
Peaaegu kõik pangatehingud tehakse elektrooniliselt kas kaardimaksete, internetipanganduse, otselepingute, püsikorralduste, telefoni- või m-panganduse teenuste abil. Eesti elanike pangateenuste rohke kasutamine tuleneb sellest, et enamik palkadest ja peaaegu kõik riiklikud toetused makstakse pangakontodele.