A. M. 
The digital transformation of El Salvador’s financial system continued to advance strongly in 2025. Member banks of the Asociación Bancaria Salvadoreña (ABANSA) reported sustained growth in the use of digital channels, consolidating a trend that facilitates financial transactions and optimizes users’ time.
As of the end of december 2025, more than 1.55 million people were using online banking, while more than 1.5 million customers were managing their financial products through mobile banking applications, according to EY’s banking penetration study. These figures reflect a massive adoption of digital tools that allow users to make inquiries, payments, and transfers without having to visit a physical branch.
This dynamism was also evident in the volume of transactions. In 2025, more than 198 million new transfers were registered, representing a 32% increase compared to the previous year. Furthermore, the system reported more than 96 million interbank transfers, a year-on-year increase of 114%, and 100% of these transactions are processed instantly, streamlining payments between accounts at different banks.
This digital expansion is complemented by a robust infrastructure that supports these operations. The country has more than 1.2 million active credit cards, as well as more than 156,000 POS and EFTPOS terminals, facilitating electronic payments both online and in physical stores. This combination strengthens a more agile, secure, and accessible financial ecosystem.
The growth of digital banking not only improves the user experience but also contributes to financial inclusion, allowing more people to access formal services from anywhere, at any time. Digitalization reduces wait times, minimizes travel, and provides greater control over personal and business finances.
With these results, the banking sector reaffirms its commitment to technological innovation as a key tool to support the country’s economic development and respond to the evolving demands of users.
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