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La accesibilidad presencial a los servicios bancarios en España: informe de seguimiento 2024

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  • Banco de España

    (Banco de España)

Abstract

Este informe sobre la accesibilidad presencial a los servicios bancarios en España muestra una ligera reducción —del 0,55 %— de los puntos de acceso en 2023, menor que en 2022. El número de oficinas bancarias disminuyó, pero mucho menos que en años previos, mientras que el de cajeros automáticos aumentó ligeramente. Por su parte, el número de municipios sin acceso presencial se redujo tan solo en 10, comparado con la reducción de 167 de 2022. La utilización de canales presenciales para las gestiones bancarias sigue siendo alta, con un 84 % de usuarios que utilizan cajeros automáticos y un 64 % que acuden a sucursales. Un 58 % usan la banca online. La brecha digital persiste, con diferencias por edad, nivel de estudios y rentas, pero se espera que se reduzca progresivamente, en particular entre los distintos tramos de edad. Las preferencias de los clientes indican una inclinación hacia la atención presencial, especialmente entre personas mayores y con menor nivel educativo. La valoración de los servicios bancarios es, en general, positiva, y destacan la confianza en la atención presencial y la comodidad de la banca online.

Suggested Citation

  • Banco de España, 2025. "La accesibilidad presencial a los servicios bancarios en España: informe de seguimiento 2024," Occasional Papers 2502, Banco de España.
    • Handle: RePEc:bde:opaper:2502
    DOI: https://doi.org/10.53479/39078
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    File URL: https://www.bde.es/f/webbe/SES/Secciones/Publicaciones/PublicacionesSeriadas/DocumentosOcasionales/25/Fich/do2502.pdf
    File Function: First version, February 2025
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    More about this item

    Keywords

    inclusión financiera; accesibilidad; preferencias del cliente; servicios bancarios; efectivo; banca online; áreas rurales;
    All these keywords.

    JEL classification:

    • R51 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Regional Government Analysis - - - Finance in Urban and Rural Economies
    • I31 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General Welfare, Well-Being
    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • D31 - Microeconomics - - Distribution - - - Personal Income and Wealth Distribution
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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