Cash vs cards

Cash vs cards: Card cash withdrawals per 100 card payments, H2 2025 (provisional) — Card cash withdrawals per 100 card payments: Bulgaria leads at 17.6 per 100 card payments. 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.

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)
AreaValue and caveatRank
Bulgaria17.6 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 21 of 25
Portugal11.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 22 of 25
Croatia10.5 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 23 of 25
Slovenia9.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 24 of 25
Germany9.3 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 25 of 25
Austria9.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 26 of 25
Italy7.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 27 of 25
Romania7.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 28 of 25
Estonia6.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 29 of 25
Malta5.5 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 210 of 25
Slovakia5.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 211 of 25
Cyprus5.1 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 212 of 25
Spain4.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 213 of 25
Greece4.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 214 of 25
France4.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 215 of 25
Latvia4.3 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 216 of 25
Czechia4.1 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 217 of 25
Hungary3.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 218 of 25
Poland3.5 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 219 of 25
Belgium3.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 220 of 25
Ireland2.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 221 of 25
Luxembourg2.6 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 222 of 25
Netherlands2.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 223 of 25
Lithuania2.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 224 of 25
Finland1.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 225 of 25
Euro area5.6 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2ECB aggregate — unranked
European UnionNot published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2ECB aggregate — unranked

Cash withdrawals with cards

ECB published series: ECB:PCP:H.{area}.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN

Cash withdrawals with cards — H2 2025 (provisional)
AreaValue and caveatRank
Germany693.1 million transactions ECB series 11 of 25
France506.4 million transactions ECB series 12 of 25
Italy404.1 million transactions ECB series 13 of 25
Spain334.5 million transactions ECB series 14 of 25
Poland194.2 million transactions ECB series 15 of 25
Portugal176.6 million transactions ECB series 16 of 25
Romania130.3 million transactions ECB series 17 of 25
Austria100.0 million transactions ECB series 18 of 25
Netherlands85.0 million transactions ECB series 19 of 25
Belgium72.3 million transactions ECB series 110 of 25
Czechia72.2 million transactions ECB series 111 of 25
Bulgaria62.5 million transactions ECB series 112 of 25
Greece61.9 million transactions ECB series 113 of 25
Ireland48.0 million transactions ECB series 114 of 25
Croatia45.2 million transactions ECB series 115 of 25
Hungary41.2 million transactions ECB series 116 of 25
Lithuania40.9 million transactions ECB series 117 of 25
Slovakia34.3 million transactions ECB series 118 of 25
Finland26.2 million transactions ECB series 119 of 25
Slovenia21.6 million transactions ECB series 120 of 25
Estonia17.3 million transactions ECB series 121 of 25
Latvia12.4 million transactions ECB series 122 of 25
Luxembourg7.7 million transactions ECB series 123 of 25
Cyprus6.8 million transactions ECB series 124 of 25
Malta4.2 million transactions ECB series 125 of 25
Euro area2,698.4 million transactions ECB series 1ECB aggregate — unranked

Card payments per inhabitant (ECB)

ECB published series: ECB:PCP:H.{area}.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP

Card payments per inhabitant (ECB) — H2 2025 (provisional)
AreaValue and caveatRank
Lithuania629.6 transactions per inhabitant 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 11 of 25
Luxembourg434.7 transactions per inhabitant 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 12 of 25
Ireland315.0 transactions per inhabitant 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 13 of 25
Finland238.0 transactions per inhabitant 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 14 of 25
Estonia196.9 transactions per inhabitant 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 15 of 25
Netherlands192.9 transactions per inhabitant 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 16 of 25
Belgium188.8 transactions per inhabitant 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 17 of 25
France165.5 transactions per inhabitant 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 18 of 25
Czechia160.0 transactions per inhabitant 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 19 of 25
Latvia158.3 transactions per inhabitant 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 110 of 25
Poland147.8 transactions per inhabitant 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 111 of 25
Portugal145.4 transactions per inhabitant 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 112 of 25
Spain138.0 transactions per inhabitant 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 113 of 25
Cyprus132.0 transactions per inhabitant 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 114 of 25
Malta128.8 transactions per inhabitant 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 115 of 25
Greece122.0 transactions per inhabitant 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 116 of 25
Austria117.7 transactions per inhabitant 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 117 of 25
Slovakia117.1 transactions per inhabitant 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 118 of 25
Hungary115.3 transactions per inhabitant 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 119 of 25
Croatia110.4 transactions per inhabitant 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 120 of 25
Slovenia107.5 transactions per inhabitant 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 121 of 25
Romania92.5 transactions per inhabitant 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 122 of 25
Germany89.7 transactions per inhabitant 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 123 of 25
Italy86.5 transactions per inhabitant 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 124 of 25
Bulgaria55.4 transactions per inhabitant 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 125 of 25
Euro area135.6 transactions per inhabitant 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 1ECB aggregate — unranked

Average card payment

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

Average card payment — H2 2025 (provisional)
AreaValue and caveatRank
Malta70.75 EUR per transaction 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 21 of 25
Cyprus65.93 EUR per transaction 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 22 of 25
Ireland57.82 EUR per transaction 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 23 of 25
Portugal54.70 EUR per transaction 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 24 of 25
Luxembourg46.41 EUR per transaction 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 25 of 25
Italy43.26 EUR per transaction 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 26 of 25
Austria42.67 EUR per transaction 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 27 of 25
Belgium41.60 EUR per transaction 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 28 of 25
Germany41.35 EUR per transaction 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 29 of 25
France39.92 EUR per transaction 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 210 of 25
Bulgaria37.92 EUR per transaction 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 211 of 25
Slovenia33.01 EUR per transaction 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 212 of 25
Croatia32.95 EUR per transaction 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 213 of 25
Spain32.12 EUR per transaction 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 214 of 25
Netherlands30.50 EUR per transaction 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 215 of 25
Finland29.77 EUR per transaction 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 216 of 25
Greece28.98 EUR per transaction 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 217 of 25
Hungary28.57 EUR per transaction 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 218 of 25
Lithuania27.62 EUR per transaction 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 219 of 25
Slovakia27.30 EUR per transaction 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 220 of 25
Romania26.23 EUR per transaction 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 221 of 25
Czechia24.59 EUR per transaction 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 222 of 25
Estonia23.77 EUR per transaction 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 223 of 25
Latvia20.20 EUR per transaction 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 224 of 25
Poland18.90 EUR per transaction 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 225 of 25
Euro area38.61 EUR per transaction 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 2ECB aggregate — unranked
European Union35.76 EUR per transaction 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 2ECB aggregate — unranked