EU Payments Monitor

EU Payments Monitor: SEPA Instant share of credit transfers (number), H2 2025 (provisional) — SEPA Instant share of credit transfers (number): Spain leads at 37.3 %. ECB figures, country ranks, withheld reasons and source series.

Source: European Central Bank, payment statistics (half-yearly). Scrolld derives the shares and rates shown as derived; every figure links to its ECB series.

Latest period: H2 2025 (provisional). Build completed: 2026-10-01T15:12:28.972Z.

What changed this release

No new half-year in this release.
0 published values were revised by the ECB by more than 0.1 %.
0 values are newly withheld; 34 previously withheld values are now published.

SEPA Instant tracker

SEPA Instant share of credit transfers (number) — ECB headline aggregates
Area	Value and caveat	Rank
Euro area	17.3 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	13.8 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	ECB aggregate — unranked

SEPA Instant share of credit transfers (number) — top three
Area	Value and caveat	Rank
Spain	37.3 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	1 of 25
Slovenia	33.3 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	2 of 25
Portugal	31.5 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	3 of 25

SEPA Instant share of credit transfers (number) — bottom three
Area	Value and caveat	Rank
Czechia	0.0 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	23 of 25
Poland	0.0 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	24 of 25
Hungary	0.0 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	25 of 25

SEPA Instant share of credit transfers (number)

SEPA Instant credit transfers ÷ all credit transfers, both ECB figures, × 100.

SEPA Instant share of credit transfers (number) — H2 2025 (provisional)
Area	Value and caveat	Rank
Spain	37.3 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	1 of 25
Slovenia	33.3 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	2 of 25
Portugal	31.5 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	3 of 25
Estonia	26.4 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	4 of 25
Slovakia	26.1 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	5 of 25
Belgium	26.0 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	6 of 25
Malta	25.9 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	7 of 25
Latvia	23.9 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	8 of 25
Lithuania	21.0 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	9 of 25
France	18.3 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	10 of 25
Greece	14.7 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	11 of 25
Italy	13.9 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	12 of 25
Netherlands	13.8 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	13 of 25
Finland	11.5 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	14 of 25
Germany	10.1 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	15 of 25
Luxembourg	9.9 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	16 of 25
Ireland	9.2 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	17 of 25
Austria	8.9 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	18 of 25
Cyprus	6.3 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	19 of 25
Croatia	1.6 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	20 of 25
Bulgaria	0.7 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	21 of 25
Romania	0.7 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	22 of 25
Czechia	0.0 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	23 of 25
Poland	0.0 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	24 of 25
Hungary	0.0 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	25 of 25
Euro area	17.3 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	13.8 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2	ECB aggregate — unranked

Contactless payments

Contactless share of card payments (number) — ECB headline aggregates
Area	Value and caveat	Rank
Euro area	68.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked

Contactless share of card payments (number) — top three
Area	Value and caveat	Rank
Netherlands	87.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	1 of 25
Slovenia	84.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	2 of 25
Poland	84.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	3 of 25

Contactless share of card payments (number) — bottom three
Area	Value and caveat	Rank
Malta	53.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	23 of 25
Cyprus	46.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	24 of 25
Portugal	40.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	25 of 25

Contactless share of card payments (number)

ECB:PCP:H.{area}.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN ÷ ECB:PCP:H.{area}.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN × 100 (ECB figures; calculated by the mart).

Contactless share of card payments (number) — H2 2025 (provisional)
Area	Value and caveat	Rank
Netherlands	87.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	1 of 25
Slovenia	84.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	2 of 25
Poland	84.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	3 of 25
Croatia	80.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	4 of 25
Hungary	78.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	5 of 25
Spain	77.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	6 of 25
Slovakia	77.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	7 of 25
Czechia	76.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	8 of 25
Austria	75.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	9 of 25
Latvia	75.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	10 of 25
Italy	75.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	11 of 25
Germany	75.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	12 of 25
Greece	74.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	13 of 25
Luxembourg	73.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	14 of 25
Bulgaria	70.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	15 of 25
Lithuania	68.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	16 of 25
Romania	67.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	17 of 25
Finland	67.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	18 of 25
Estonia	66.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	19 of 25
Ireland	60.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	20 of 25
Belgium	56.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	21 of 25
France	56.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	22 of 25
Malta	53.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	23 of 25
Cyprus	46.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	24 of 25
Portugal	40.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	25 of 25
Euro area	68.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked

Payment fraud

Card payment fraud rate (issuer side) — ECB headline aggregates
Area	Value and caveat	Rank
Euro area	2.88 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked

Card payment fraud rate (issuer side) — top three
Area	Value and caveat	Rank
Luxembourg	4.75 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	1 of 20
France	4.74 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	2 of 20
Spain	3.82 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	3 of 20

Card payment fraud rate (issuer side) — bottom three
Area	Value and caveat	Rank
Greece	1.30 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	18 of 20
Finland	0.96 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	19 of 20
Portugal	0.44 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	20 of 20

Card payment fraud rate (issuer side)

ECB:PCP:H.{area}.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR ÷ ECB:PCP:H.{area}.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR × 10000 (ECB figures; calculated by the mart).

Card payment fraud rate (issuer side) — H2 2025 (provisional)
Area	Value and caveat	Rank
Luxembourg	4.75 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	1 of 20
France	4.74 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	2 of 20
Spain	3.82 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	3 of 20
Estonia	3.48 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	4 of 20
Belgium	3.11 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	5 of 20
Cyprus	2.91 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	6 of 20
Ireland	2.56 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	7 of 20
Slovenia	2.31 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	8 of 20
Latvia	2.11 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	9 of 20
Lithuania	2.07 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	10 of 20
Netherlands	2.05 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	11 of 20
Bulgaria	2.01 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	12 of 20
Slovakia	1.98 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	13 of 20
Croatia	1.98 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	14 of 20
Italy	1.76 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	15 of 20
Austria	1.71 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	16 of 20
Malta	1.67 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	17 of 20
Greece	1.30 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	18 of 20
Finland	0.96 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	19 of 20
Portugal	0.44 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	20 of 20
Czechia	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	Unranked
Germany	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	Unranked
Hungary	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	Unranked
Poland	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	Unranked
Romania	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	Unranked
Euro area	2.88 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked

Online & mobile payments

Remote (online) share of card payments — ECB headline aggregates
Area	Value and caveat	Rank
Euro area	19.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	18.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked

Remote (online) share of card payments — top three
Area	Value and caveat	Rank
Malta	41.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	1 of 25
Portugal	33.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	2 of 25
Ireland	32.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	3 of 25

Remote (online) share of card payments — bottom three
Area	Value and caveat	Rank
Germany	12.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	23 of 25
Poland	10.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	24 of 25
Netherlands	5.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	25 of 25

Remote (online) share of card payments

ECB:PCP:H.{area}.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN ÷ ECB:PCP:H.{area}.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN × 100 (ECB figures; calculated by the mart).

Remote (online) share of card payments — H2 2025 (provisional)
Area	Value and caveat	Rank
Malta	41.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	1 of 25
Portugal	33.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	2 of 25
Ireland	32.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	3 of 25
Cyprus	30.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	4 of 25
Romania	27.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	5 of 25
Lithuania	27.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	6 of 25
Bulgaria	24.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	7 of 25
Greece	23.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	8 of 25
France	21.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	9 of 25
Luxembourg	21.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	10 of 25
Belgium	21.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	11 of 25
Austria	20.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	12 of 25
Finland	20.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	13 of 25
Czechia	20.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	14 of 25
Slovakia	19.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	15 of 25
Hungary	19.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	16 of 25
Spain	19.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	17 of 25
Croatia	17.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	18 of 25
Estonia	17.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	19 of 25
Italy	17.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	20 of 25
Latvia	15.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	21 of 25
Slovenia	12.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	22 of 25
Germany	12.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	23 of 25
Poland	10.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	24 of 25
Netherlands	5.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	25 of 25
Euro area	19.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	18.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked

Strong customer authentication

Strong customer authentication on remote card payments — ECB headline aggregates
Area	Value and caveat	Rank
Euro area	43.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	43.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked

Strong customer authentication on remote card payments — top three
Area	Value and caveat	Rank
Portugal	75.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	1 of 25
Belgium	71.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	2 of 25
Spain	58.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	3 of 25

Strong customer authentication on remote card payments — bottom three
Area	Value and caveat	Rank
Slovenia	28.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	23 of 25
Poland	25.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	24 of 25
Luxembourg	24.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	25 of 25

Strong customer authentication on remote card payments

ECB:PCP:H.{area}.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN ÷ ECB:PCP:H.{area}.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN × 100 (ECB figures; calculated by the mart).

Strong customer authentication on remote card payments — H2 2025 (provisional)
Area	Value and caveat	Rank
Portugal	75.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	1 of 25
Belgium	71.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	2 of 25
Spain	58.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	3 of 25
Slovakia	54.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	4 of 25
Romania	53.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	5 of 25
Czechia	52.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	6 of 25
Bulgaria	48.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	7 of 25
Netherlands	42.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	8 of 25
Greece	42.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	9 of 25
France	41.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	10 of 25
Estonia	40.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	11 of 25
Hungary	39.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	12 of 25
Latvia	38.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	13 of 25
Lithuania	38.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	14 of 25
Cyprus	37.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	15 of 25
Malta	36.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	16 of 25
Croatia	34.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	17 of 25
Finland	32.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	18 of 25
Italy	32.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	19 of 25
Germany	29.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	20 of 25
Ireland	29.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	21 of 25
Austria	28.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	22 of 25
Slovenia	28.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	23 of 25
Poland	25.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	24 of 25
Luxembourg	24.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	25 of 25
Euro area	43.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	43.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2	ECB aggregate — unranked

Cash vs cards

Card cash withdrawals per 100 card payments — ECB headline aggregates
Area	Value and caveat	Rank
Euro area	5.6 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked

Card cash withdrawals per 100 card payments — top three
Area	Value and caveat	Rank
Bulgaria	17.6 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	1 of 25
Portugal	11.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	2 of 25
Croatia	10.5 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	3 of 25

Card cash withdrawals per 100 card payments — bottom three
Area	Value and caveat	Rank
Netherlands	2.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	23 of 25
Lithuania	2.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	24 of 25
Finland	1.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	25 of 25

Card cash withdrawals per 100 card payments

ECB:PCP:H.{area}.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN ÷ ECB:PCP:H.{area}.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN × 100 (ECB figures; calculated by the mart).

Card cash withdrawals per 100 card payments — H2 2025 (provisional)
Area	Value and caveat	Rank
Bulgaria	17.6 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	1 of 25
Portugal	11.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	2 of 25
Croatia	10.5 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	3 of 25
Slovenia	9.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	4 of 25
Germany	9.3 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	5 of 25
Austria	9.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	6 of 25
Italy	7.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	7 of 25
Romania	7.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	8 of 25
Estonia	6.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	9 of 25
Malta	5.5 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	10 of 25
Slovakia	5.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	11 of 25
Cyprus	5.1 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	12 of 25
Spain	4.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	13 of 25
Greece	4.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	14 of 25
France	4.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	15 of 25
Latvia	4.3 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	16 of 25
Czechia	4.1 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	17 of 25
Hungary	3.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	18 of 25
Poland	3.5 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	19 of 25
Belgium	3.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	20 of 25
Ireland	2.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	21 of 25
Luxembourg	2.6 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	22 of 25
Netherlands	2.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	23 of 25
Lithuania	2.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	24 of 25
Finland	1.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	25 of 25
Euro area	5.6 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked

Cross-border payments

Cross-border share of credit transfers (number) — ECB headline aggregates
Area	Value and caveat	Rank
Euro area	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked

Cross-border share of credit transfers (number) — top three
Area	Value and caveat	Rank
Malta	45.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	1 of 25
Luxembourg	40.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	2 of 25
Ireland	37.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	3 of 25

Cross-border share of credit transfers (number) — bottom three
Area	Value and caveat	Rank
Hungary	1.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	23 of 25
Czechia	1.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	24 of 25
Poland	0.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	25 of 25

Cross-border share of credit transfers (number)

ECB:PCT:H.{area}.W1.1._T._T.CTS_ALL._X._Z.N.PN ÷ ECB:PCT:H.{area}.W0.1._T._T.CTS_ALL._X._Z.N.PN × 100 (ECB figures; calculated by the mart).

Cross-border share of credit transfers (number) — H2 2025 (provisional)
Area	Value and caveat	Rank
Malta	45.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	1 of 25
Luxembourg	40.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	2 of 25
Ireland	37.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	3 of 25
Estonia	27.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	4 of 25
Lithuania	19.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	5 of 25
Netherlands	9.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	6 of 25
Austria	8.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	7 of 25
Belgium	7.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	8 of 25
Cyprus	7.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	9 of 25
Germany	6.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	10 of 25
Portugal	5.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	11 of 25
Slovenia	5.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	12 of 25
Latvia	5.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	13 of 25
Slovakia	4.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	14 of 25
Croatia	3.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	15 of 25
France	3.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	16 of 25
Finland	3.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	17 of 25
Romania	2.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	18 of 25
Italy	2.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	19 of 25
Bulgaria	2.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	20 of 25
Spain	2.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	21 of 25
Greece	1.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	22 of 25
Hungary	1.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	23 of 25
Czechia	1.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	24 of 25
Poland	0.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	25 of 25
Euro area	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked