# Saint Kitts and Nevis — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/KN
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **DCash** ECCB CBDC with QR
- **Pilot ended** January 2024
- **DCash 2.0** planned 2026
- **Twin-island** federation
- **CBI pioneer** citizenship program

## Banking landscape

### Central Bank
- **Name:** Eastern Caribbean Central Bank (ECCB)
- **Website:** https://www.eccb-centralbank.org/
- **Role:** Monetary policy for ECCU

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | St. Kitts-Nevis-Anguilla National Bank | Local | SKNA Mobile |
| 2 | First Caribbean | Regional | CIBC App |
| 3 | Bank of Nevis | Local | BON Mobile |
| 4 | Republic Bank | Regional | Republic App |

### Market Structure
- **ECCB:** Regional central bank
- **DCash:** CBDC implementation
- **CBI:** Major revenue source
- **Tourism:** Economic driver

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| DCash | ECCB | CBDC | Pilot ended |
| Bank transfers | Banks | Wire | Active |
| Card networks | Visa/MC | Cards | Active |
| ACH | ECCB | Clearing | Active |

### DCash CBDC
- Eastern Caribbean Central Bank
- QR code payments
- P2P, P2B, B2B
- Pilot ended January 2024
- DCash 2.0 planned 2026

### Twin-Island Structure
- St. Kitts main island
- Nevis federated island
- Separate bank: Bank of Nevis
- Unified currency

---

## QR code standards

### DCash QR

| Attribute | Value |
|-----------|-------|
| **Provider** | ECCB |
| **Type** | CBDC |
| **Feature** | Scan to pay |
| **Status** | Ended Jan 2024 |

### DCash QR Features
- QR code scanning
- Instant settlement
- Zero transaction fees
- Mobile wallet based
- Cross-border ECCU

### Banking Innovation
- SKNA Bank digitization
- Mobile banking apps
- Online services
- ATM network

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| DCash | ECCB | Yes | CBDC wallet |
| SKNA Mobile | SKNA Bank | Limited | Banking |
| Bank of Nevis | BON | Limited | Banking |

### DCash Wallet Features
- P2P transfers
- Merchant payments
- QR scanning
- No bank account needed
- Free transactions

### Economic Context
- CBI program revenue
- Tourism sector
- Services economy
- High income per capita

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [DCash QR](https://docs.barcoder.ai/docs/payments/KN/dcash-qr) | CBDC | ECCB | Ended | [`dcash`](https://docs.barcoder.ai/docs/standards/dcash) |
| [Bank transfers](https://docs.barcoder.ai/docs/payments/KN/bank-transfers) | Wire | SWIFT | Active | — |

## Sources

- [ECCB - DCash](https://www.eccb-centralbank.org/p/about-dcash)
- [Atlantic Council - DCash Tracker](https://www.atlanticcouncil.org/cbdctracker/)
- [SKNA National Bank](https://www.sknanb.com/)
- [Bank of Nevis](https://www.bankofnevis.com/)

## Full country report

[KN-saint-kitts-and-nevis.md](https://docs.barcoder.ai/docs/payments/KN)