全球支付货币排行榜出炉:美元占全球支付一半以上!欧元占21%;英镑、日元、人民币和加元,还有多少空间?

Ranked: The Top Currencies Used in Global Payments

全球支付货币排行榜：哪些货币在国际支付中最受欢迎？

The U.S. dollar remains the dominant currency in international finance, but how far ahead is it of its closest competitors?

美元依然是国际金融体系中占据主导地位的货币。那么，它究竟领先其他主要货币多少？

This visualization ranks currencies by their share of global payment value processed through SWIFT in August 2026, using data from SWIFT’s Global Currency Tracker – September 2026.

这份可视化图表根据2026年8月通过SWIFT系统处理的全球支付金额占比，对各国货币进行了排名。相关数据来自SWIFT于2026年9月发布的《全球货币追踪报告》。

The U.S. Dollar Dominates SWIFT Payments

美元在SWIFT国际支付中占据绝对优势

The following table shows each currency’s share of global payment value processed through SWIFT in August 2026.

下表展示了2026年8月各类货币在SWIFT全球支付总额中的占比。

Together, the dollar and euro account for 73.46% of payment value processed through SWIFT, leaving just over one-quarter for all other currencies combined.

美元和欧元合计占据73.46%的份额，意味着全球通过SWIFT处理的支付金额中，其他所有货币加起来也只占略高于四分之一。

Beyond these two leaders, the ranking becomes considerably more fragmented. The British pound, Japanese yen, and Chinese yuan each hold single-digit shares, highlighting the substantial gap between the two leading currencies and the rest.

在美元和欧元之后，货币排名的差距明显拉大。英镑、日元和人民币的支付份额均不足10%，凸显出这两大主导货币与其他货币之间的巨大差距。

The dollar’s dominance reflects its central role in global trade, financial markets, and international banking. The depth of U.S. capital markets and widespread use of dollar-denominated transactions reinforce its position.

美元之所以能够占据如此重要的地位，源于其在全球贸易、金融市场和国际银行体系中的核心作用。美国资本市场拥有庞大的规模和充足的流动性，加上美元计价交易在全球范围内广泛使用，进一步巩固了美元的国际地位。

What Is SWIFT, and Who Controls It?

什么是SWIFT？它由谁掌控？

SWIFT, the Society for Worldwide Interbank Financial Telecommunication, is a secure financial messaging network connecting more than 11,500 financial institutions worldwide. It transmits payment instructions rather than directly moving money.

SWIFT，即环球银行金融电信协会，是一个安全的金融信息传输网络，连接着全球超过11500家金融机构。它主要负责传递跨境支付指令，而不是直接承担资金转移的职能。

Headquartered in Belgium, SWIFT is a cooperative owned by its member financial institutions, not a single country. Its standardized messaging and extensive network make it widely adopted, although participation is subject to regulatory requirements and sanctions.

SWIFT总部位于比利时，是一个由成员金融机构共同拥有的合作组织，并不隶属于任何一个国家。凭借标准化的信息传输系统和覆盖全球的庞大网络，SWIFT已成为国际银行业广泛采用的金融通信基础设施。不过，金融机构能否接入和使用该网络，也受到相关监管规定及国际制裁措施的约束。

While SWIFT plays a central role in international banking, it does not capture payments made through every financial network. Its currency rankings therefore provide an important snapshot of international payment activity rather than a complete picture of all global transactions.

尽管SWIFT在国际银行体系中发挥着重要作用，但它并不能覆盖所有金融网络中的支付活动。因此，其公布的货币排名只能反映国际支付活动的一个重要侧面，而不能代表全球所有跨境及国内交易的完整情况。

Is SWIFT’s Dominance Being Challenged?

SWIFT的主导地位是否正在受到挑战？

Alternative payment networks, including China’s Cross-Border Interbank Payment System (CIPS), are expanding as countries seek greater flexibility in cross-border transactions.

随着各国寻求更加灵活的跨境支付方式，替代性支付网络也在不断发展壮大。其中，中国的跨境银行间支付系统（CIPS）便是具有代表性的例子。

However, the yuan’s relatively small share of SWIFT payment value illustrates the gap between China’s economic influence and the international use of its currency within this network.

然而，人民币在SWIFT支付总额中的占比依然相对较低，这也反映出中国庞大的经济影响力与人民币国际使用程度之间仍存在明显差距。

The dollar also benefits from its established role in global foreign exchange reserves, which support international liquidity and settlement.

与此同时，美元还受益于其在全球外汇储备体系中的核心地位。各国央行持有的美元储备，为国际市场提供了重要的流动性，也进一步支撑了美元在国际支付和结算中的广泛使用。

Importantly, these figures measure payment value rather than transaction counts. They also exclude activity outside SWIFT, meaning the ranking cannot establish the dollar’s share of all global payments or whether alternative networks are gaining ground over time.

需要特别注意的是，这些数据衡量的是支付金额，而不是交易笔数。此外，统计范围仅限于SWIFT网络，并不包括其他支付系统中的交易活动。因此，仅凭这份排名，既无法判断美元在全球全部支付活动中的真实占比，也无法据此确定其他替代性支付网络是否正在逐步扩大市场份额。