Statbanker.ru, an agency on financial statistics, has published the review on influence of seasonal factors on cardholders, based on the data of the Bank of Russia.

Annually in December and January the volume of card transactions on payments for goods and services on the average increases by 7–10% in comparison with ordinary months. In February we see how the volume of card transactions decreases by the same figure. The seasonal average 3-5% growth of the volume of card transactions is usually observed in May, August and October. And, April, June and November are usually specified by a 3-8% decrease on card transactions. The season of vacations has no considerable fluctuations. But, the seasonal factors practically don’t work in July, August and September. 

The volume of card transactions, made by customers, varies not only from to month, but also during the week. So, cardholders are the most active on Sunday, and the least – on Tuesday and Wednesday. The volume of the cash withdrawn via АТМ, is very much stable, and hardly changes from day to day during the week.

Statbanker.ru