Bulgaria vs Poland payments

Bulgaria vs Poland payments: SEPA Instant share of credit transfers (number), H2 2025 (provisional) — SEPA Instant share of credit transfers (number): Bulgaria: 0.7 % (rank 21 of 25); Poland: 0.0 % (rank 24 of 25); Bulgaria leads on this metric. 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.

Payments — H2 2025 (provisional)

Metric

Bulgaria

Poland

Comparison

Credit transfers sent

168.5 million transactions ECB series 1

20 of 25

Credit transfers sent history
Period	Value and caveat
H1 2022	180.6 million transactions ECB series 1
H2 2022	189.4 million transactions ECB series 1
H1 2023	119.9 million transactions ECB series 1
H2 2023	128.9 million transactions ECB series 1
H1 2024	136.6 million transactions ECB series 1
H2 2024	151.9 million transactions ECB series 1
H1 2025	151.6 million transactions ECB series 1
H2 2025 (provisional)	168.5 million transactions ECB series 1

3,036.3 million transactions ECB series 1

3 of 25

Credit transfers sent history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period ECB series 1
H2 2022	Not published by the ECB for this country/period ECB series 1
H1 2023	2,390.0 million transactions ECB series 1
H2 2023	2,553.7 million transactions ECB series 1
H1 2024	2,502.1 million transactions ECB series 1
H2 2024	2,472.4 million transactions ECB series 1
H1 2025	2,597.5 million transactions ECB series 1
H2 2025 (provisional)	3,036.3 million transactions ECB series 1

Poland has the higher value

Credit transfers sent, value

390,355.6 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1

19 of 24

Credit transfers sent, value history
Period	Value and caveat
H1 2022	266,104.3 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2022	310,024.4 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2023	296,609.0 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2023	331,615.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2024	325,263.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2024	355,882.3 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2025	347,102.7 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2025 (provisional)	390,355.6 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1

9,108,114.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1

3 of 24

Credit transfers sent, value history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2022	Not published by the ECB for this country/period Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2023	7,058,215.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2023	7,500,803.3 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2024	7,825,321.9 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2024	8,315,448.6 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2025	9,330,990.1 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2025 (provisional)	9,108,114.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1

Poland has the higher value

SEPA Instant credit transfers sent

1.1 million transactions 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

22 of 25

SEPA Instant credit transfers sent history
Period	Value and caveat
H1 2023	0.6 million transactions 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
H2 2023	0.5 million transactions 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
H1 2024	0.4 million transactions 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
H2 2024	0.5 million transactions 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
H1 2025	0.9 million transactions 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
H2 2025 (provisional)	1.1 million transactions 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

0.0 million transactions 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

24 of 25

SEPA Instant credit transfers sent history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period 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
H2 2022	Not published by the ECB for this country/period 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
H1 2023	0.3 million transactions 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
H2 2023	0.0 million transactions 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
H1 2024	0.0 million transactions 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
H2 2024	0.0 million transactions 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
H1 2025	0.1 million transactions 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
H2 2025 (provisional)	0.0 million transactions 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

Bulgaria has the higher value

SEPA Instant credit transfers sent, value

1,133.8 EUR million 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

21 of 25

SEPA Instant credit transfers sent, value history
Period	Value and caveat
H1 2023	640.3 EUR million 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
H2 2023	434.1 EUR million 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
H1 2024	176.1 EUR million 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
H2 2024	214.2 EUR million 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
H1 2025	552.2 EUR million 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
H2 2025 (provisional)	1,133.8 EUR million 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

2.9 EUR million 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

24 of 25

SEPA Instant credit transfers sent, value history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period 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
H2 2022	Not published by the ECB for this country/period 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
H1 2023	2,972.3 EUR million 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
H2 2023	3,854.5 EUR million 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
H1 2024	8.1 EUR million 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
H2 2024	0.9 EUR million 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
H1 2025	6,034.3 EUR million 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
H2 2025 (provisional)	2.9 EUR million 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

Bulgaria has the higher value

SEPA (non-instant) credit transfers sent

1.8 million transactions ECB series 1

25 of 25

SEPA (non-instant) credit transfers sent history
Period	Value and caveat
H1 2023	2.4 million transactions ECB series 1
H2 2023	1.3 million transactions ECB series 1
H1 2024	1.8 million transactions ECB series 1
H2 2024	1.8 million transactions ECB series 1
H1 2025	1.6 million transactions ECB series 1
H2 2025 (provisional)	1.8 million transactions ECB series 1

14.6 million transactions ECB series 1

17 of 25

SEPA (non-instant) credit transfers sent history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period ECB series 1
H2 2022	Not published by the ECB for this country/period ECB series 1
H1 2023	88.6 million transactions ECB series 1
H2 2023	12.8 million transactions ECB series 1
H1 2024	13.1 million transactions ECB series 1
H2 2024	13.6 million transactions ECB series 1
H1 2025	13.8 million transactions ECB series 1
H2 2025 (provisional)	14.6 million transactions ECB series 1

Poland has the higher value

SEPA Instant share of credit transfers (number)

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

SEPA Instant share of credit transfers (number) history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period 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
H2 2022	Not published by the ECB for this country/period 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
H1 2023	0.5 % 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
H2 2023	0.4 % 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
H1 2024	0.3 % 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
H2 2024	0.3 % 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
H1 2025	0.6 % 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
H2 2025 (provisional)	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

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

SEPA Instant share of credit transfers (number) history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period 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
H2 2022	Not published by the ECB for this country/period 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
H1 2023	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
H2 2023	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
H1 2024	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
H2 2024	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
H1 2025	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
H2 2025 (provisional)	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

Bulgaria has the higher value

SEPA Instant share of credit transfers (value)

0.3 % 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

20 of 24

SEPA Instant share of credit transfers (value) history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period 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
H2 2022	Not published by the ECB for this country/period 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
H1 2023	0.2 % 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
H2 2023	0.1 % 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
H1 2024	0.1 % 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
H2 2024	0.1 % 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
H1 2025	0.2 % 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
H2 2025 (provisional)	0.3 % 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

23 of 24

SEPA Instant share of credit transfers (value) history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period 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
H2 2022	Not published by the ECB for this country/period 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
H1 2023	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
H2 2023	0.1 % 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
H1 2024	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
H2 2024	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
H1 2025	0.1 % 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
H2 2025 (provisional)	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

Bulgaria has the higher value

Cross-border share of credit transfers (number)

2.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

20 of 25

Cross-border share of credit transfers (number) history
Period	Value and caveat
H1 2022	1.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	1.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	2.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	2.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	2.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	3.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	2.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	2.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

0.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

25 of 25

Cross-border share of credit transfers (number) history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	0.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	0.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	0.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	0.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	0.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	0.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Bulgaria has the higher value

Remotely initiated share of electronic credit transfers

100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

5 of 20

Remotely initiated share of electronic credit transfers history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

94.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

20 of 20

Remotely initiated share of electronic credit transfers history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	96.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	96.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	96.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	95.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	96.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	94.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Bulgaria has the higher value

Strong customer authentication on remote credit transfers

62.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

16 of 24

Strong customer authentication on remote credit transfers history
Period	Value and caveat
H1 2023	73.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	72.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	66.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	66.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	61.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	62.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

79.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

9 of 24

Strong customer authentication on remote credit transfers history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	69.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	72.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	70.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	74.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	76.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	79.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Poland has the higher value

E-commerce credit transfers

0.0 million transactions ECB series 1

24 of 24

E-commerce credit transfers history
Period	Value and caveat
H1 2023	0.0 million transactions ECB series 1
H2 2023	0.0 million transactions ECB series 1
H1 2024	0.0 million transactions ECB series 1
H2 2024	0.0 million transactions ECB series 1
H1 2025	0.0 million transactions ECB series 1
H2 2025 (provisional)	0.0 million transactions ECB series 1

36.0 million transactions ECB series 1

7 of 24

E-commerce credit transfers history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period ECB series 1
H2 2022	Not published by the ECB for this country/period ECB series 1
H1 2023	42.9 million transactions ECB series 1
H2 2023	43.0 million transactions ECB series 1
H1 2024	39.3 million transactions ECB series 1
H2 2024	39.1 million transactions ECB series 1
H1 2025	35.8 million transactions ECB series 1
H2 2025 (provisional)	36.0 million transactions ECB series 1

Poland has the higher value

Credit transfers via mobile payment solutions

47.2 million transactions ECB series 1

13 of 21

Credit transfers via mobile payment solutions history
Period	Value and caveat
H1 2023	15.8 million transactions ECB series 1
H2 2023	18.5 million transactions ECB series 1
H1 2024	27.0 million transactions ECB series 1
H2 2024	38.1 million transactions ECB series 1
H1 2025	32.9 million transactions ECB series 1
H2 2025 (provisional)	47.2 million transactions ECB series 1

1,251.3 million transactions ECB series 1

1 of 21

Credit transfers via mobile payment solutions history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period ECB series 1
H2 2022	Not published by the ECB for this country/period ECB series 1
H1 2023	777.2 million transactions ECB series 1
H2 2023	613.2 million transactions ECB series 1
H1 2024	708.3 million transactions ECB series 1
H2 2024	738.7 million transactions ECB series 1
H1 2025	865.6 million transactions ECB series 1
H2 2025 (provisional)	1,251.3 million transactions ECB series 1

Poland has the higher value

Person-to-person mobile credit transfers

1.0 million transactions ECB series 1

17 of 22

Person-to-person mobile credit transfers history
Period	Value and caveat
H1 2023	0.3 million transactions ECB series 1
H2 2023	0.4 million transactions ECB series 1
H1 2024	0.6 million transactions ECB series 1
H2 2024	0.9 million transactions ECB series 1
H1 2025	1.0 million transactions ECB series 1
H2 2025 (provisional)	1.0 million transactions ECB series 1

378.4 million transactions ECB series 1

2 of 22

Person-to-person mobile credit transfers history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period ECB series 1
H2 2022	Not published by the ECB for this country/period ECB series 1
H1 2023	308.2 million transactions ECB series 1
H2 2023	212.1 million transactions ECB series 1
H1 2024	267.5 million transactions ECB series 1
H2 2024	315.1 million transactions ECB series 1
H1 2025	353.4 million transactions ECB series 1
H2 2025 (provisional)	378.4 million transactions ECB series 1

Poland has the higher value

Credit transfers initiated by payment initiation services

0.0 million transactions ECB series 1

19 of 23

Credit transfers initiated by payment initiation services history
Period	Value and caveat
H1 2023	0.0 million transactions ECB series 1
H2 2023	0.0 million transactions ECB series 1
H1 2024	0.0 million transactions ECB series 1
H2 2024	0.0 million transactions ECB series 1
H1 2025	0.0 million transactions ECB series 1
H2 2025 (provisional)	0.0 million transactions ECB series 1

46.7 million transactions ECB series 1

2 of 23

Credit transfers initiated by payment initiation services history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period ECB series 1
H2 2022	Not published by the ECB for this country/period ECB series 1
H1 2023	42.0 million transactions ECB series 1
H2 2023	46.2 million transactions ECB series 1
H1 2024	53.8 million transactions ECB series 1
H2 2024	52.3 million transactions ECB series 1
H1 2025	46.3 million transactions ECB series 1
H2 2025 (provisional)	46.7 million transactions ECB series 1

Poland has the higher value

Fraudulent credit transfers, value

4.2 EUR million ECB series 1

18 of 20

Fraudulent credit transfers, value history
Period	Value and caveat
H1 2023	8.1 EUR million ECB series 1
H2 2023	3.7 EUR million ECB series 1
H1 2024	2.4 EUR million ECB series 1
H2 2024	4.1 EUR million ECB series 1
H1 2025	3.7 EUR million ECB series 1
H2 2025 (provisional)	4.2 EUR million ECB series 1

Not published by the ECB for this country/period ECB series 1

Unranked

No comparable published values

Credit transfer fraud rate

0.11 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

14 of 19

Credit transfer fraud rate history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	0.27 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	0.11 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	0.07 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	0.12 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	0.11 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	0.11 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Unranked

Credit transfer fraud rate history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

No comparable published values

Credit transfers per inhabitant (ECB)

26.3 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1

23 of 25

Credit transfers per inhabitant (ECB) history
Period	Value and caveat
H1 2022	27.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2022	29.4 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 2023	18.6 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2023	20.0 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 2024	21.2 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2024	23.6 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 2025	23.6 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2025 (provisional)	26.3 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1

81.3 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1

9 of 25

Credit transfers per inhabitant (ECB) history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Per half-year, as published by the ECB. ECB series 1
H2 2022	Not published by the ECB for this country/period Per half-year, as published by the ECB. ECB series 1
H1 2023	63.5 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2023	67.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 2024	66.6 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2024	66.0 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 2025	69.4 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2025 (provisional)	81.3 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1

Poland has the higher value

Average credit transfer (incl. large-value)

2,317.33 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2

19 of 24

Average credit transfer (incl. large-value) history
Period	Value and caveat
H1 2022	1,473.30 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2022	1,636.57 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 2023	2,472.88 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2023	2,572.10 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 2024	2,381.01 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2024	2,342.46 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 2025	2,290.18 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2025 (provisional)	2,317.33 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2

2,999.77 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2

17 of 24

Average credit transfer (incl. large-value) history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 2023	2,953.24 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2023	2,937.26 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 2024	3,127.50 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2024	3,363.36 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 2025	3,592.29 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2025 (provisional)	2,999.77 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2

Poland has the higher value

Card payments (issuer side)

355.7 million transactions 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

19 of 25

Card payments (issuer side) history
Period	Value and caveat
H1 2022	172.4 million transactions 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
H2 2022	203.1 million transactions 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
H1 2023	230.1 million transactions 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
H2 2023	248.5 million transactions 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
H1 2024	269.0 million transactions 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
H2 2024	301.4 million transactions 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
H1 2025	318.9 million transactions 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
H2 2025 (provisional)	355.7 million transactions 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

5,518.4 million transactions 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

4 of 25

Card payments (issuer side) history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period 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
H2 2022	Not published by the ECB for this country/period 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
H1 2023	4,539.0 million transactions 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
H2 2023	4,942.1 million transactions 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
H1 2024	5,209.6 million transactions 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
H2 2024	5,250.2 million transactions 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
H1 2025	5,213.0 million transactions 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
H2 2025 (provisional)	5,518.4 million transactions 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

Poland has the higher value

Card payments, value

13,488.0 EUR million 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

20 of 25

Card payments, value history
Period	Value and caveat
H1 2022	5,776.0 EUR million 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
H2 2022	6,940.3 EUR million 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
H1 2023	8,715.2 EUR million 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
H2 2023	8,842.3 EUR million 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
H1 2024	9,675.3 EUR million 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
H2 2024	11,242.1 EUR million 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
H1 2025	11,814.7 EUR million 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
H2 2025 (provisional)	13,488.0 EUR million 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

104,325.5 EUR million 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

6 of 25

Card payments, value history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period 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
H1 2023	76,606.6 EUR million 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
H2 2023	85,601.5 EUR million 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
H1 2024	90,934.9 EUR million 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
H2 2024	95,076.8 EUR million 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
H1 2025	96,732.6 EUR million 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
H2 2025 (provisional)	104,325.5 EUR million 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

Poland has the higher value

Average card payment

37.92 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 2

11 of 25

Average card payment history
Period	Value and caveat
H1 2022	33.50 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 2
H2 2022	34.18 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 2
H1 2023	37.88 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 2
H2 2023	35.58 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 2
H1 2024	35.96 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 2
H2 2024	37.30 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 2
H1 2025	37.05 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 2
H2 2025 (provisional)	37.92 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 2

18.90 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 2

25 of 25

Average card payment history
Period	Value and caveat
H1 2022	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
H2 2022	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
H1 2023	16.88 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 2
H2 2023	17.32 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 2
H1 2024	17.46 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 2
H2 2024	18.11 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 2
H1 2025	18.56 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 2
H2 2025 (provisional)	18.90 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 2

Bulgaria has the higher value

Contactless card payments

250.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

19 of 25

Contactless card payments history
Period	Value and caveat
H1 2023	141.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	171.7 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	193.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	215.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	223.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)	250.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

4,639.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

4 of 25

Contactless card payments history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022	Not published by the ECB for this country/period Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	3,537.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	3,930.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	4,265.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	4,278.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	4,240.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)	4,639.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

Poland has the higher value

Contactless card payments, value

7,145.2 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

20 of 25

Contactless card payments, value history
Period	Value and caveat
H1 2023	3,672.6 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	4,581.8 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	5,177.1 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	6,051.2 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	6,099.7 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)	7,145.2 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

74,585.2 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

6 of 25

Contactless card payments, value history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	48,702.9 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	57,098.8 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	63,489.7 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	65,969.4 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	66,463.5 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)	74,585.2 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

Poland has the higher value

Contactless share of card payments (number)

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

Contactless share of card payments (number) history
Period	Value and caveat
H1 2022	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
H2 2022	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
H1 2023	61.4 % 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
H2 2023	69.1 % 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
H1 2024	71.9 % 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
H2 2024	71.5 % 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
H1 2025	70.0 % 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
H2 2025 (provisional)	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

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) history
Period	Value and caveat
H1 2022	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
H2 2022	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
H1 2023	77.9 % 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
H2 2023	79.5 % 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
H1 2024	81.9 % 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
H2 2024	81.5 % 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
H1 2025	81.3 % 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
H2 2025 (provisional)	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

Poland has the higher value

Contactless share of card payments (value)

53.0 % 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

16 of 25

Contactless share of card payments (value) history
Period	Value and caveat
H1 2022	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
H2 2022	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
H1 2023	42.1 % 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
H2 2023	51.8 % 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
H1 2024	53.5 % 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
H2 2024	53.8 % 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
H1 2025	51.6 % 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
H2 2025 (provisional)	53.0 % 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

71.5 % 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

3 of 25

Contactless share of card payments (value) history
Period	Value and caveat
H1 2022	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
H1 2023	63.6 % 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
H2 2023	66.7 % 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
H1 2024	69.8 % 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
H2 2024	69.4 % 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
H1 2025	68.7 % 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
H2 2025 (provisional)	71.5 % 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

Poland has the higher value

NFC card payments

246.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

19 of 25

NFC card payments history
Period	Value and caveat
H1 2023	141.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	171.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	137.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	212.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	220.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)	246.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

1,801.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

6 of 25

NFC card payments history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022	Not published by the ECB for this country/period Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	67.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	1,038.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	1,262.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	1,364.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	1,540.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)	1,801.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

Poland has the higher value

NFC share of contactless payments

98.6 % 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

NFC share of contactless payments history
Period	Value and caveat
H1 2023	99.9 % 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
H2 2023	99.9 % 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
H1 2024	71.0 % 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
H2 2024	98.6 % 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
H1 2025	98.6 % 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
H2 2025 (provisional)	98.6 % 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

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

25 of 25

NFC share of contactless payments history
Period	Value and caveat
H1 2022	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
H2 2022	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
H1 2023	1.9 % 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
H2 2023	26.4 % 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
H1 2024	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
H2 2024	31.9 % 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
H1 2025	36.3 % 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
H2 2025 (provisional)	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

Bulgaria has the higher value

Remote (online) share of card payments

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

Remote (online) share of card payments history
Period	Value and caveat
H1 2022	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
H2 2022	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
H1 2023	25.7 % 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
H2 2023	22.3 % 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
H1 2024	23.5 % 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
H2 2024	23.1 % 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
H1 2025	25.2 % 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
H2 2025 (provisional)	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

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

Remote (online) share of card payments history
Period	Value and caveat
H1 2022	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
H2 2022	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
H1 2023	7.9 % 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
H2 2023	8.2 % 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
H1 2024	8.7 % 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
H2 2024	9.1 % 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
H1 2025	9.8 % 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
H2 2025 (provisional)	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

Bulgaria has the higher value

Card payments via mobile payment solutions

22.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

17 of 24

Card payments via mobile payment solutions history
Period	Value and caveat
H1 2023	15.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	3.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	7.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	9.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	20.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)	22.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

352.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

3 of 24

Card payments via mobile payment solutions history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022	Not published by the ECB for this country/period Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	170.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	199.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	233.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	269.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	298.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)	352.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

Poland has the higher value

Share of card payments at terminals abroad

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

8 of 25

Share of card payments at terminals abroad history
Period	Value and caveat
H1 2022	19.9 % 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
H2 2022	19.5 % 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
H1 2023	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
H2 2023	18.2 % 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
H1 2024	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
H2 2024	19.9 % 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
H1 2025	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
H2 2025 (provisional)	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

8.7 % 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

25 of 25

Share of card payments at terminals abroad history
Period	Value and caveat
H1 2022	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
H2 2022	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
H1 2023	6.5 % 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
H2 2023	7.0 % 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
H1 2024	7.1 % 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
H2 2024	7.6 % 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
H1 2025	7.8 % 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
H2 2025 (provisional)	8.7 % 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

Bulgaria has the higher value

Strong customer authentication on remote card payments

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

Strong customer authentication on remote card payments history
Period	Value and caveat
H1 2022	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
H2 2022	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
H1 2023	39.1 % 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
H2 2023	36.1 % 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
H1 2024	38.5 % 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
H2 2024	41.7 % 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
H1 2025	47.5 % 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
H2 2025 (provisional)	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

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

Strong customer authentication on remote card payments history
Period	Value and caveat
H1 2022	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
H2 2022	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
H1 2023	25.7 % 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
H2 2023	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
H1 2024	26.1 % 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
H2 2024	24.5 % 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
H1 2025	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
H2 2025 (provisional)	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

Bulgaria has the higher value

Fraudulent card payments (issuer side), value

2.7 EUR million 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

15 of 20

Fraudulent card payments (issuer side), value history
Period	Value and caveat
H1 2023	2.4 EUR million 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
H2 2023	2.8 EUR million 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
H1 2024	3.2 EUR million 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
H2 2024	2.3 EUR million 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
H1 2025	2.4 EUR million 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
H2 2025 (provisional)	2.7 EUR million 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

Not published by the ECB for this country/period 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

Unranked

No comparable published values

Card payment fraud rate (issuer side)

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

Card payment fraud rate (issuer side) history
Period	Value and caveat
H1 2022	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
H2 2022	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
H1 2023	2.78 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
H2 2023	3.16 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
H1 2024	3.29 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
H2 2024	2.03 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
H1 2025	2.00 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
H2 2025 (provisional)	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

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

Card payment fraud rate (issuer side) history
Period	Value and caveat
H1 2022	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
H1 2023	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
H2 2023	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
H1 2024	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
H2 2024	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
H1 2025	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
H2 2025 (provisional)	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

No comparable published values

Cash withdrawals with cards

62.5 million transactions ECB series 1

12 of 25

Cash withdrawals with cards history
Period	Value and caveat
H1 2023	65.5 million transactions ECB series 1
H2 2023	65.6 million transactions ECB series 1
H1 2024	64.0 million transactions ECB series 1
H2 2024	65.3 million transactions ECB series 1
H1 2025	62.9 million transactions ECB series 1
H2 2025 (provisional)	62.5 million transactions ECB series 1

194.2 million transactions ECB series 1

5 of 25

Cash withdrawals with cards history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period ECB series 1
H2 2022	Not published by the ECB for this country/period ECB series 1
H1 2023	216.4 million transactions ECB series 1
H2 2023	219.9 million transactions ECB series 1
H1 2024	218.6 million transactions ECB series 1
H2 2024	204.7 million transactions ECB series 1
H1 2025	194.1 million transactions ECB series 1
H2 2025 (provisional)	194.2 million transactions ECB series 1

Poland has the higher value

Card cash withdrawals per 100 card payments

17.6 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

1 of 25

Card cash withdrawals per 100 card payments history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	28.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	26.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	23.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	21.7 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	19.7 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	17.6 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

3.5 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

19 of 25

Card cash withdrawals per 100 card payments history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	4.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	4.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	4.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	3.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	3.7 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	3.5 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Bulgaria has the higher value

Card payments per inhabitant (ECB)

55.4 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 1

25 of 25

Card payments per inhabitant (ECB) history
Period	Value and caveat
H1 2022	26.6 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 1
H2 2022	31.5 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 1
H1 2023	35.7 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 1
H2 2023	38.6 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 1
H1 2024	41.8 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 1
H2 2024	46.8 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 1
H1 2025	49.6 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 1
H2 2025 (provisional)	55.4 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 1

147.8 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 1

11 of 25

Card payments per inhabitant (ECB) history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period 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
H1 2023	120.6 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 1
H2 2023	131.5 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 1
H1 2024	138.8 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 1
H2 2024	140.1 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 1
H1 2025	139.4 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 1
H2 2025 (provisional)	147.8 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 1

Poland has the higher value

Direct debits (payer side)

3.8 million transactions ECB series 1

19 of 23

Direct debits (payer side) history
Period	Value and caveat
H1 2022	1.4 million transactions ECB series 1
H2 2022	1.5 million transactions ECB series 1
H1 2023	1.7 million transactions ECB series 1
H2 2023	2.3 million transactions ECB series 1
H1 2024	2.8 million transactions ECB series 1
H2 2024	3.3 million transactions ECB series 1
H1 2025	3.4 million transactions ECB series 1
H2 2025 (provisional)	3.8 million transactions ECB series 1

11.2 million transactions ECB series 1

16 of 23

Direct debits (payer side) history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period ECB series 1
H2 2022	Not published by the ECB for this country/period ECB series 1
H1 2023	8.5 million transactions ECB series 1
H2 2023	8.5 million transactions ECB series 1
H1 2024	8.9 million transactions ECB series 1
H2 2024	9.3 million transactions ECB series 1
H1 2025	10.0 million transactions ECB series 1
H2 2025 (provisional)	11.2 million transactions ECB series 1

Poland has the higher value

Direct debits (payer side), value

380.2 EUR million ECB series 1

22 of 23

Direct debits (payer side), value history
Period	Value and caveat
H1 2022	249.1 EUR million ECB series 1
H2 2022	294.3 EUR million ECB series 1
H1 2023	313.6 EUR million ECB series 1
H2 2023	317.6 EUR million ECB series 1
H1 2024	419.8 EUR million ECB series 1
H2 2024	322.0 EUR million ECB series 1
H1 2025	422.2 EUR million ECB series 1
H2 2025 (provisional)	380.2 EUR million ECB series 1

9,022.0 EUR million ECB series 1

10 of 23

Direct debits (payer side), value history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period ECB series 1
H2 2022	Not published by the ECB for this country/period ECB series 1
H1 2023	5,244.5 EUR million ECB series 1
H2 2023	5,955.9 EUR million ECB series 1
H1 2024	6,207.7 EUR million ECB series 1
H2 2024	5,395.8 EUR million ECB series 1
H1 2025	8,946.1 EUR million ECB series 1
H2 2025 (provisional)	9,022.0 EUR million ECB series 1

Poland has the higher value

Fraudulent direct debits (payee side), value

0.0 EUR million ECB series 1

8 of 17

Fraudulent direct debits (payee side), value history
Period	Value and caveat
H1 2023	0.0 EUR million ECB series 1
H2 2023	0.0 EUR million ECB series 1
H1 2024	0.0 EUR million ECB series 1
H2 2024	0.0 EUR million ECB series 1
H1 2025	0.0 EUR million ECB series 1
H2 2025 (provisional)	0.0 EUR million ECB series 1

Not published by the ECB for this country/period ECB series 1

Unranked

No comparable published values

Direct debit fraud rate (payee side)

0.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

8 of 17

Direct debit fraud rate (payee side) history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	0.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Unranked

Direct debit fraud rate (payee side) history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

No comparable published values

E-money payments

18.9 million transactions ECB series 1

14 of 23

E-money payments history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period ECB series 1
H2 2022	Not published by the ECB for this country/period ECB series 1
H1 2023	16.6 million transactions ECB series 1
H2 2023	14.0 million transactions ECB series 1
H1 2024	11.8 million transactions ECB series 1
H2 2024	14.8 million transactions ECB series 1
H1 2025	16.4 million transactions ECB series 1
H2 2025 (provisional)	18.9 million transactions ECB series 1

0.0 million transactions ECB series 1

23 of 23

E-money payments history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period ECB series 1
H2 2022	Not published by the ECB for this country/period ECB series 1
H1 2023	0.0 million transactions ECB series 1
H2 2023	0.0 million transactions ECB series 1
H1 2024	0.0 million transactions ECB series 1
H2 2024	0.0 million transactions ECB series 1
H1 2025	0.0 million transactions ECB series 1
H2 2025 (provisional)	0.0 million transactions ECB series 1

Bulgaria has the higher value

E-money payments, value

1,592.8 EUR million ECB series 1

11 of 22

E-money payments, value history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period ECB series 1
H2 2022	703.2 EUR million ECB series 1
H1 2023	Not published by the ECB for this country/period ECB series 1
H2 2023	Not published by the ECB for this country/period ECB series 1
H1 2024	Not published by the ECB for this country/period ECB series 1
H2 2024	Not published by the ECB for this country/period ECB series 1
H1 2025	Not published by the ECB for this country/period ECB series 1
H2 2025 (provisional)	1,592.8 EUR million ECB series 1

7.9 EUR million ECB series 1

21 of 22

E-money payments, value history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period ECB series 1
H2 2022	Not published by the ECB for this country/period ECB series 1
H1 2023	0.9 EUR million ECB series 1
H2 2023	1.3 EUR million ECB series 1
H1 2024	0.8 EUR million ECB series 1
H2 2024	0.2 EUR million ECB series 1
H1 2025	0.6 EUR million ECB series 1
H2 2025 (provisional)	7.9 EUR million ECB series 1

Bulgaria has the higher value

E-money payment fraud rate

0.08 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

10 of 15

E-money payment fraud rate history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	0.08 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Unranked

E-money payment fraud rate history
Period	Value and caveat
H1 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

No comparable published values

Contactless-enabled share of EFTPOS terminals

95.8 % 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

18 of 25

Contactless-enabled share of EFTPOS terminals history
Period	Value and caveat
H1 2025	98.9 % 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
H2 2025 (provisional)	95.8 % 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

99.4 % 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

9 of 25

Contactless-enabled share of EFTPOS terminals history
Period	Value and caveat
H1 2025	99.5 % 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
H2 2025 (provisional)	99.4 % 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

Poland has the higher value

ATM cash withdrawals at home (resident cards)

60.7 million transactions ECB series 1

11 of 20

ATM cash withdrawals at home (resident cards) history
Period	Value and caveat
H1 2025	61.8 million transactions ECB series 1
H2 2025 (provisional)	60.7 million transactions ECB series 1

132.5 million transactions ECB series 1

6 of 20

ATM cash withdrawals at home (resident cards) history
Period	Value and caveat
H1 2025	134.1 million transactions ECB series 1
H2 2025 (provisional)	132.5 million transactions ECB series 1

Poland has the higher value

ATM cash withdrawals at home, value

13,670.9 EUR million ECB series 1

8 of 16

ATM cash withdrawals at home, value history
Period	Value and caveat
H1 2025	13,290.7 EUR million ECB series 1
H2 2025 (provisional)	13,670.9 EUR million ECB series 1

Not published by the ECB for this country/period ECB series 1

Unranked

No comparable published values

ATM cash withdrawals abroad (resident cards)

0.0 million transactions ECB series 1

5 of 12

ATM cash withdrawals abroad (resident cards) history
Period	Value and caveat
H1 2025	0.0 million transactions ECB series 1
H2 2025 (provisional)	0.0 million transactions ECB series 1

Not published by the ECB for this country/period ECB series 1

Unranked

No comparable published values

Average ATM withdrawal

225.07 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

9 of 15

Average ATM withdrawal history
Period	Value and caveat
H1 2025	215.19 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	225.07 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Unranked

Average ATM withdrawal history
Period	Value and caveat
H1 2025	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

No comparable published values

TIPS instant-settlement transactions

0.7 million transactions ECB series 1

11 of 18

TIPS instant-settlement transactions history
Period	Value and caveat
H1 2025	0.4 million transactions ECB series 1
H2 2025 (provisional)	0.7 million transactions ECB series 1

0.0 million transactions ECB series 1

16 of 18

TIPS instant-settlement transactions history
Period	Value and caveat
H1 2025	0.0 million transactions ECB series 1
H2 2025 (provisional)	0.0 million transactions ECB series 1

Bulgaria has the higher value

TIPS instant-settlement value

719.1 EUR million ECB series 1

13 of 15

TIPS instant-settlement value history
Period	Value and caveat
H1 2025	270.0 EUR million ECB series 1
H2 2025 (provisional)	719.1 EUR million ECB series 1

Not published by the ECB for this country/period ECB series 1

Unranked

TIPS instant-settlement value history
Period	Value and caveat
H2 2024	0.0 EUR million ECB series 1
H1 2025	0.0 EUR million ECB series 1

No comparable published values

T2 (TARGET) transactions

0.2 million transactions ECB series 1

11 of 16

T2 (TARGET) transactions history
Period	Value and caveat
H1 2025	0.2 million transactions ECB series 1
H2 2025 (provisional)	0.2 million transactions ECB series 1

Not published by the ECB for this country/period ECB series 1

Unranked

No comparable published values

Payments initiated by payment-initiation services

0.5 million transactions ECB series 1

7 of 9

Payments initiated by payment-initiation services history
Period	Value and caveat
H1 2023	0.0 million transactions ECB series 1
H2 2023	0.0 million transactions ECB series 1
H1 2024	0.0 million transactions ECB series 1
H2 2024	0.1 million transactions ECB series 1
H1 2025	0.2 million transactions ECB series 1
H2 2025 (provisional)	0.5 million transactions ECB series 1

Not published by the ECB for this country/period ECB series 1

Unranked

No comparable published values

Payments initiated by payment-initiation services, value

6.5 EUR million ECB series 1

7 of 10

Payments initiated by payment-initiation services, value history
Period	Value and caveat
H1 2023	0.9 EUR million ECB series 1
H2 2023	0.6 EUR million ECB series 1
H1 2024	1.4 EUR million ECB series 1
H2 2024	2.8 EUR million ECB series 1
H1 2025	6.3 EUR million ECB series 1
H2 2025 (provisional)	6.5 EUR million ECB series 1

Not published by the ECB for this country/period ECB series 1

Unranked

No comparable published values

Strong customer authentication on remote payment-initiation payments

100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

1 of 7

Strong customer authentication on remote payment-initiation payments history
Period	Value and caveat
H1 2023	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Unranked

No comparable published values

ATMs per million inhabitants (ECB)

Not published by the ECB for this country/period ECB series 1

Unranked

547.1 terminals per million inhabitants ECB series 1

6 of 12

ATMs per million inhabitants (ECB) history
Period	Value and caveat
H1 2025	550.5 terminals per million inhabitants ECB series 1
H2 2025 (provisional)	547.1 terminals per million inhabitants ECB series 1

No comparable published values

Credit cards per inhabitant (ECB)

Not published by the ECB for this country/period ECB series 1

Unranked

0.1 cards per inhabitant ECB series 1

5 of 9

Credit cards per inhabitant (ECB) history
Period	Value and caveat
H1 2025	0.1 cards per inhabitant ECB series 1
H2 2025 (provisional)	0.1 cards per inhabitant ECB series 1

No comparable published values

Differences are shown as the published values side by side. Higher is not necessarily better, particularly for fraud. No differences or EU totals are calculated by this page.