银行分析：美国银行2025年收取的信用卡和借记卡手续费上升
Banking Analytics: Credit and Debit Card Fees Collected by Banks Rose in 2025
美国银行2025年收取近660亿美元信用卡和借记卡交换费，高于2024年的640亿美元和2021年的520亿美元。交换费约占美国银行非利息收入的11%，高于2021年的9%；银行用这类费用支付发卡、交易处理、欺诈保护和奖励计划等成本。
U.S. banks collected nearly $66 billion in interchange, or “swipe,” fees in 2025, up from $64 billion in 2024 and $52 billion in 2021. (See figure below.) Factors that influence the volume of interchange revenues collected by banks include card usage, the price level of purchased goods and services, alternative payment options and overall economic conditions.
Debit and Credit Card Purchase Volumes Have Been Growing
The 2025 Findings from the Diary of Consumer Payment Choice (PDF) found that credit and debit cards remained the top two payment instruments in 2024, constituting 35% and 30% of all payments, respectively.
Furthermore, both debit and credit card purchase volumes have been increasing in recent years, according to the Large Bank Credit Card and Mortgage Data 2025 Q3 Narrative. For credit card transactions, the average purchase volume per account continued to increase year over year within all credit score bands through the third quarter of 2025, the report said. Similarly, a 2025 Federal Reserve Board report (PDF) found that both total debit card transaction volume and value grew at an average annual rate of 4.6% from 2021 to 2023.
How Interchange Fees Work, and Why They Matter for Banks
Interchange fees are fees paid between banks so that merchants can accept card-based transactions on behalf of consumers. Every time a consumer makes a purchase using a debit or credit card, the bank that issued the card pays the merchant’s bank on the consumer’s behalf. The amount the merchant receives, however, is not simply the price of the product or service, but a lesser amount that reflects transaction fees paid to the card payment firms and banks involved in the transaction. This includes the interchange fee that is paid to the bank that issued the credit or debit card used by the consumer in the transaction.
Interchange fees remain an important source of income for banks, equating to approximately 11% of noninterest income for U.S. banks in 2025, up from 9% in 2021. Banks then use these fees to cover the costs of authorizing new cards, processing and settling transactions, providing fraud protection and operating rewards programs.
来源：圣路易斯联储 · 经济分析 · stlouisfed.org