This comprehensively analyzes Japan's payment system usage based on the June 2025 payment and settlement trend statistics published by the Bank of Japan's Payment and Settlement Systems Department on July 31, 2025.
BOJ-NET Funds Transfer System Trends
For Bank of Japan current account settlements, June 2025 recorded 92,851 transactions (+2.5% year-over-year) and 229.6 trillion yen (-1.5% year-over-year). Daily averages were 4,976 transactions and 12.3 trillion yen. By business type, call transactions accounted for 87.0%, OVP (overnight position) 77.7%, large-value domestic exchange 9.9%, and foreign exchange yen 21.9%.
The number of BOJ-NET users continued to increase steadily as of end-June 2025, highlighting its growing importance as payment infrastructure for financial institutions. National treasury account transfer settlements and DVP (delivery versus payment) are also proceeding smoothly.
Private Payment System Status
For bill clearing volumes, electronic clearing house processing has become mainstream. All Banks System volumes handle various payment forms including large-value domestic exchange settlements, small-value domestic exchange settlements, core-time system handling, and more-time system handling.
Foreign exchange yen settlement clearing volumes and private securities/derivatives settlement systems are operating stably, with smooth implementation of clearing organization Bank of Japan current account settlements and securities central depository Bank of Japan current account DVP settlements.
Electronic Money and Debit Card Usage
Electronic money and debit card usage is also expanding, confirming the spread of cashless payments from statistical data. These payment methods contribute to improved consumer convenience and payment efficiency.
The article confirms stable functioning of Japan's overall payment system with steady expansion in usage of various payment methods, demonstrating solid development of financial infrastructure through specific statistical figures.