Bulgaria vs Slovakia payments

Bulgaria vs Slovakia 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); Slovakia: 26.1 % (rank 5 of 25); Slovakia 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)
MetricBulgariaSlovakiaComparison
Credit transfers sent168.5 million transactions ECB series 1

20 of 25

Credit transfers sent history
PeriodValue and caveat
H1 2022180.6 million transactions ECB series 1
H2 2022189.4 million transactions ECB series 1
H1 2023119.9 million transactions ECB series 1
H2 2023128.9 million transactions ECB series 1
H1 2024136.6 million transactions ECB series 1
H2 2024151.9 million transactions ECB series 1
H1 2025151.6 million transactions ECB series 1
H2 2025 (provisional)168.5 million transactions ECB series 1
280.5 million transactions ECB series 1

16 of 25

Credit transfers sent history
PeriodValue and caveat
H1 2022219.5 million transactions ECB series 1
H2 2022230.3 million transactions ECB series 1
H1 2023239.2 million transactions ECB series 1
H2 2023247.1 million transactions ECB series 1
H1 2024253.5 million transactions ECB series 1
H2 2024260.7 million transactions ECB series 1
H1 2025265.9 million transactions ECB series 1
H2 2025 (provisional)280.5 million transactions ECB series 1
Slovakia has the higher value
Credit transfers sent, value390,355.6 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1

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Credit transfers sent, value history
PeriodValue and caveat
H1 2022266,104.3 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2022310,024.4 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2023296,609.0 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2023331,615.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2024325,263.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2024355,882.3 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2025347,102.7 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
1,072,916.1 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1

14 of 24

Credit transfers sent, value history
PeriodValue and caveat
H1 2022605,399.2 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2022670,863.4 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2023734,041.4 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2023829,104.4 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2024994,178.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 20241,024,596.4 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2025967,384.3 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2025 (provisional)1,072,916.1 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
Slovakia has the higher value
SEPA Instant credit transfers sent1.1 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
PeriodValue and caveat
H1 20230.6 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 20230.5 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 20240.4 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 20240.5 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 20250.9 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
73.1 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

10 of 25

SEPA Instant credit transfers sent history
PeriodValue and caveat
H1 202211.3 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 202216.5 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 202318.7 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 202320.2 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 202423.0 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 202435.5 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 202560.6 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 2025 (provisional)73.1 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
Slovakia has the higher value
SEPA Instant credit transfers sent, value1,133.8 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
PeriodValue and caveat
H1 2023640.3 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 2023434.1 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 2024176.1 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 2024214.2 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 2025552.2 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
26,680.3 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

12 of 25

SEPA Instant credit transfers sent, value history
PeriodValue and caveat
H1 20223,045.1 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 20224,647.2 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 20235,048.2 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 20235,886.2 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 20246,490.0 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 20249,636.4 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 202516,997.3 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)26,680.3 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
Slovakia has the higher value
SEPA (non-instant) credit transfers sent1.8 million transactions ECB series 1

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SEPA (non-instant) credit transfers sent history
PeriodValue and caveat
H1 20232.4 million transactions ECB series 1
H2 20231.3 million transactions ECB series 1
H1 20241.8 million transactions ECB series 1
H2 20241.8 million transactions ECB series 1
H1 20251.6 million transactions ECB series 1
H2 2025 (provisional)1.8 million transactions ECB series 1
87.6 million transactions ECB series 1

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SEPA (non-instant) credit transfers sent history
PeriodValue and caveat
H1 2022196.7 million transactions ECB series 1
H2 2022123.2 million transactions ECB series 1
H1 2023124.6 million transactions ECB series 1
H2 2023126.0 million transactions ECB series 1
H1 2024127.0 million transactions ECB series 1
H2 2024116.6 million transactions ECB series 1
H1 202595.2 million transactions ECB series 1
H2 2025 (provisional)87.6 million transactions ECB series 1
Slovakia 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
PeriodValue and caveat
H1 2022Not 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 2022Not 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 20230.5 % 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 20230.4 % 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 20240.3 % 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 20240.3 % 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 20250.6 % 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
26.1 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2

5 of 25

SEPA Instant share of credit transfers (number) history
PeriodValue and caveat
H1 20225.2 % 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 20227.2 % 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
H1 20237.8 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 20238.2 % 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
H1 20249.1 % 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 202413.6 % 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
H1 202522.8 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 2025 (provisional)26.1 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
Slovakia 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
PeriodValue and caveat
H1 2022Not 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 2022Not 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 20230.2 % 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 20230.1 % 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 20240.1 % 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 20240.1 % 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 20250.2 % 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
2.5 % 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

13 of 24

SEPA Instant share of credit transfers (value) history
PeriodValue and caveat
H1 20220.5 % 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 20220.7 % 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
H1 20230.7 % 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
H2 20230.7 % 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
H1 20240.7 % 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
H2 20240.9 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H1 20251.8 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 2025 (provisional)2.5 % 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
Slovakia 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

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Cross-border share of credit transfers (number) history
PeriodValue and caveat
H1 20221.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20221.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20232.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20232.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20242.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20243.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20252.3 % 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
4.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

14 of 25

Cross-border share of credit transfers (number) history
PeriodValue and caveat
H1 20223.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20223.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20233.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20233.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20243.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20244.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20254.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)4.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Slovakia has the higher value
Remotely initiated share of electronic credit transfers100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

5 of 20

Remotely initiated share of electronic credit transfers history
PeriodValue and caveat
H1 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025100.0 % 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
99.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

6 of 20

Remotely initiated share of electronic credit transfers history
PeriodValue and caveat
H1 202299.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202299.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202399.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202399.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202499.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202499.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202599.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)99.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Bulgaria has the higher value
Strong customer authentication on remote credit transfers62.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

16 of 24

Strong customer authentication on remote credit transfers history
PeriodValue and caveat
H1 202373.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202372.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202466.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202466.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202561.6 % 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
73.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

11 of 24

Strong customer authentication on remote credit transfers history
PeriodValue and caveat
H1 202265.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202272.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202374.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202374.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202473.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202474.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202573.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)73.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Slovakia has the higher value
E-commerce credit transfers0.0 million transactions ECB series 1

24 of 24

E-commerce credit transfers history
PeriodValue and caveat
H1 20230.0 million transactions ECB series 1
H2 20230.0 million transactions ECB series 1
H1 20240.0 million transactions ECB series 1
H2 20240.0 million transactions ECB series 1
H1 20250.0 million transactions ECB series 1
H2 2025 (provisional)0.0 million transactions ECB series 1
17.3 million transactions ECB series 1

12 of 24

E-commerce credit transfers history
PeriodValue and caveat
H1 20224.7 million transactions ECB series 1
H2 202215.8 million transactions ECB series 1
H1 202315.0 million transactions ECB series 1
H2 202315.7 million transactions ECB series 1
H1 202416.0 million transactions ECB series 1
H2 202416.7 million transactions ECB series 1
H1 202517.4 million transactions ECB series 1
H2 2025 (provisional)17.3 million transactions ECB series 1
Slovakia has the higher value
Credit transfers via mobile payment solutions47.2 million transactions ECB series 1

13 of 21

Credit transfers via mobile payment solutions history
PeriodValue and caveat
H1 202315.8 million transactions ECB series 1
H2 202318.5 million transactions ECB series 1
H1 202427.0 million transactions ECB series 1
H2 202438.1 million transactions ECB series 1
H1 202532.9 million transactions ECB series 1
H2 2025 (provisional)47.2 million transactions ECB series 1
89.6 million transactions ECB series 1

9 of 21

Credit transfers via mobile payment solutions history
PeriodValue and caveat
H1 202250.4 million transactions ECB series 1
H2 202256.2 million transactions ECB series 1
H1 202362.5 million transactions ECB series 1
H2 202367.8 million transactions ECB series 1
H1 202474.0 million transactions ECB series 1
H2 202479.6 million transactions ECB series 1
H1 202584.7 million transactions ECB series 1
H2 2025 (provisional)89.6 million transactions ECB series 1
Slovakia has the higher value
Person-to-person mobile credit transfers1.0 million transactions ECB series 1

17 of 22

Person-to-person mobile credit transfers history
PeriodValue and caveat
H1 20230.3 million transactions ECB series 1
H2 20230.4 million transactions ECB series 1
H1 20240.6 million transactions ECB series 1
H2 20240.9 million transactions ECB series 1
H1 20251.0 million transactions ECB series 1
H2 2025 (provisional)1.0 million transactions ECB series 1
0.5 million transactions ECB series 1

18 of 22

Person-to-person mobile credit transfers history
PeriodValue and caveat
H1 20220.6 million transactions ECB series 1
H2 20220.6 million transactions ECB series 1
H1 20230.6 million transactions ECB series 1
H2 20230.6 million transactions ECB series 1
H1 20240.5 million transactions ECB series 1
H2 20240.5 million transactions ECB series 1
H1 20250.5 million transactions ECB series 1
H2 2025 (provisional)0.5 million transactions ECB series 1
Bulgaria has the higher value
Credit transfers initiated by payment initiation services0.0 million transactions ECB series 1

19 of 23

Credit transfers initiated by payment initiation services history
PeriodValue and caveat
H1 20230.0 million transactions ECB series 1
H2 20230.0 million transactions ECB series 1
H1 20240.0 million transactions ECB series 1
H2 20240.0 million transactions ECB series 1
H1 20250.0 million transactions ECB series 1
H2 2025 (provisional)0.0 million transactions ECB series 1
0.9 million transactions ECB series 1

15 of 23

Credit transfers initiated by payment initiation services history
PeriodValue and caveat
H1 20220.0 million transactions ECB series 1
H2 20220.2 million transactions ECB series 1
H1 20230.2 million transactions ECB series 1
H2 20230.3 million transactions ECB series 1
H1 20240.3 million transactions ECB series 1
H2 20240.3 million transactions ECB series 1
H1 20250.3 million transactions ECB series 1
H2 2025 (provisional)0.9 million transactions ECB series 1
Slovakia has the higher value
Fraudulent credit transfers, value4.2 EUR million ECB series 1

18 of 20

Fraudulent credit transfers, value history
PeriodValue and caveat
H1 20238.1 EUR million ECB series 1
H2 20233.7 EUR million ECB series 1
H1 20242.4 EUR million ECB series 1
H2 20244.1 EUR million ECB series 1
H1 20253.7 EUR million ECB series 1
H2 2025 (provisional)4.2 EUR million ECB series 1
10.5 EUR million ECB series 1

13 of 20

Fraudulent credit transfers, value history
PeriodValue and caveat
H1 20223.5 EUR million ECB series 1
H2 20224.6 EUR million ECB series 1
H1 20236.0 EUR million ECB series 1
H2 20237.9 EUR million ECB series 1
H1 20247.4 EUR million ECB series 1
H2 20246.1 EUR million ECB series 1
H1 202512.4 EUR million ECB series 1
H2 2025 (provisional)10.5 EUR million ECB series 1
Slovakia has the higher value
Credit transfer fraud rate0.11 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

14 of 19

Credit transfer fraud rate history
PeriodValue and caveat
H1 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20230.27 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20230.11 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20240.07 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20240.12 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.11 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
0.10 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

16 of 19

Credit transfer fraud rate history
PeriodValue and caveat
H1 20220.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20220.07 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20230.08 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20230.10 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20240.07 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20240.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.13 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)0.10 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Bulgaria has the higher value
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
PeriodValue and caveat
H1 202227.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202229.4 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202318.6 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202320.0 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202421.2 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202423.6 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202523.6 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
51.4 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1

12 of 25

Credit transfers per inhabitant (ECB) history
PeriodValue and caveat
H1 202241.5 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202242.1 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202343.8 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202345.3 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202446.4 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202447.7 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202548.7 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2025 (provisional)51.4 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
Slovakia 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
PeriodValue and caveat
H1 20221,473.30 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 20221,636.57 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 20232,472.88 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 20232,572.10 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 20242,381.01 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 20242,342.46 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 20252,290.18 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
3,824.65 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

11 of 24

Average credit transfer (incl. large-value) history
PeriodValue and caveat
H1 20222,758.50 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 20222,913.54 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 20233,069.01 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 20233,355.94 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 20243,921.76 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 20243,930.69 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 20253,638.50 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 2025 (provisional)3,824.65 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
Slovakia 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
PeriodValue and caveat
H1 2022172.4 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 2022203.1 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 2023230.1 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 2023248.5 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 2024269.0 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 2024301.4 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 2025318.9 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
638.9 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

17 of 25

Card payments (issuer side) history
PeriodValue and caveat
H1 2022404.5 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
H2 2022468.1 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 20231,315.6 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 20231,367.6 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
H1 2024530.5 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
H2 2024588.7 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
H1 2025579.0 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)638.9 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
Slovakia has the higher value
Card payments, value13,488.0 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
PeriodValue and caveat
H1 20225,776.0 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 20226,940.3 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 20238,715.2 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 20238,842.3 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 20249,675.3 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 202411,242.1 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 202511,814.7 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
17,440.8 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

17 of 25

Card payments, value history
PeriodValue and caveat
H1 202214,986.2 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 202217,617.7 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
H1 202312,399.8 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
H2 202314,271.4 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
H1 202413,920.7 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 202415,812.8 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 202515,305.4 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)17,440.8 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
Slovakia has the higher value
Average card payment37.92 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
PeriodValue and caveat
H1 202233.50 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 202234.18 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 202337.88 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 202335.58 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 202435.96 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 202437.30 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 202537.05 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
27.30 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

20 of 25

Average card payment history
PeriodValue and caveat
H1 202237.05 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 202237.64 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 20239.42 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 202310.44 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 202426.24 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 202426.86 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 202526.43 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)27.30 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
Bulgaria has the higher value
Contactless card payments250.5 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
PeriodValue and caveat
H1 2023141.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023171.7 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024193.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024215.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025223.2 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
493.0 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 25

Contactless card payments history
PeriodValue and caveat
H1 2022287.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022342.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023434.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023460.7 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024421.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024464.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025448.6 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)493.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Slovakia has the higher value
Contactless card payments, value7,145.2 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
PeriodValue and caveat
H1 20233,672.6 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20234,581.8 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20245,177.1 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20246,051.2 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20256,099.7 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
11,041.8 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

17 of 25

Contactless card payments, value history
PeriodValue and caveat
H1 20226,975.2 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20228,438.9 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20238,207.3 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20239,429.8 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20249,099.9 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202410,271.8 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20259,705.9 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)11,041.8 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Slovakia 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
PeriodValue and caveat
H1 2022Not 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 2022Not 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 202361.4 % 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 202369.1 % 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 202471.9 % 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 202471.5 % 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 202570.0 % 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
77.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

7 of 25

Contactless share of card payments (number) history
PeriodValue and caveat
H1 202271.1 % 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 202273.1 % 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 202333.1 % 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 202333.7 % 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 202479.4 % 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 202478.9 % 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 202577.5 % 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)77.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Slovakia 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
PeriodValue and caveat
H1 2022Not 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 2022Not 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 202342.1 % 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 202351.8 % 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 202453.5 % 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 202453.8 % 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 202551.6 % 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
63.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

8 of 25

Contactless share of card payments (value) history
PeriodValue and caveat
H1 202246.5 % 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 202247.9 % 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 202366.2 % 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 202366.1 % 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 202465.4 % 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 202465.0 % 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 202563.4 % 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)63.3 % 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
Slovakia has the higher value
NFC card payments246.9 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
PeriodValue and caveat
H1 2023141.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023171.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024137.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024212.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025220.2 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
493.0 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 25

NFC card payments history
PeriodValue and caveat
H1 2022145.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022251.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023345.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023342.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024421.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024464.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025448.6 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)493.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Slovakia has the higher value
NFC share of contactless payments98.6 % 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
PeriodValue and caveat
H1 202399.9 % 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 202399.9 % 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 202471.0 % 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 202498.6 % 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 202598.6 % 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
100.0 % 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

1 of 25

NFC share of contactless payments history
PeriodValue and caveat
H1 202250.4 % 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 202273.4 % 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 202379.5 % 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 202374.3 % 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 2024100.0 % 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 2024100.0 % 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 2025100.0 % 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)100.0 % 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
Slovakia has the higher value
Remote (online) share of card payments24.8 % 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
PeriodValue and caveat
H1 2022Not 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 2022Not 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 202325.7 % 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 202322.3 % 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 202423.5 % 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 202423.1 % 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 202525.2 % 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
19.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

15 of 25

Remote (online) share of card payments history
PeriodValue and caveat
H1 202215.6 % 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 202215.9 % 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 202363.5 % 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 202359.9 % 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 202416.9 % 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 202417.6 % 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 202519.0 % 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)19.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Bulgaria has the higher value
Card payments via mobile payment solutions22.1 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
PeriodValue and caveat
H1 202315.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20233.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20247.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20249.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202520.0 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
52.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

15 of 24

Card payments via mobile payment solutions history
PeriodValue and caveat
H1 202212.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202220.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023121.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023130.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202428.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202436.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202541.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)52.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Slovakia has the higher value
Share of card payments at terminals abroad21.5 % 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
PeriodValue and caveat
H1 202219.9 % 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 202219.5 % 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 202319.1 % 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 202318.2 % 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 202419.0 % 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 202419.9 % 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 202521.5 % 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
20.1 % 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

11 of 25

Share of card payments at terminals abroad history
PeriodValue and caveat
H1 202217.6 % 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 202217.2 % 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 202366.4 % 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 202364.5 % 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 202417.4 % 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 202419.0 % 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 202518.3 % 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)20.1 % 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
Bulgaria has the higher value
Strong customer authentication on remote card payments48.3 % 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
PeriodValue and caveat
H1 2022Not 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 2022Not 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 202339.1 % 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 202336.1 % 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 202438.5 % 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 202441.7 % 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 202547.5 % 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
54.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

4 of 25

Strong customer authentication on remote card payments history
PeriodValue and caveat
H1 202256.9 % 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 202261.2 % 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 2023Withheld: the ECB's breakdown does not add up to its total for this 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 2023Withheld: the ECB's breakdown does not add up to its total for this 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 202455.1 % 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 202454.8 % 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 202555.3 % 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)54.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Slovakia has the higher value
Fraudulent card payments (issuer side), value2.7 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
PeriodValue and caveat
H1 20232.4 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 20232.8 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 20243.2 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 20242.3 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 20252.4 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
3.5 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

13 of 20

Fraudulent card payments (issuer side), value history
PeriodValue and caveat
H1 20222.3 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 20223.8 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 20234.3 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 202317.8 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 20244.1 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
H2 20243.4 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
H1 20254.2 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 2025 (provisional)3.5 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
Slovakia has the higher value
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
PeriodValue and caveat
H1 2022Not 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 2022Not 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 20232.78 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 20233.16 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 20243.29 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 20242.03 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 20252.00 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
1.98 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

13 of 20

Card payment fraud rate (issuer side) history
PeriodValue and caveat
H1 20221.53 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 20222.14 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 20233.47 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 202312.50 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 20242.91 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 20242.17 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 20252.75 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)1.98 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Bulgaria has the higher value
Cash withdrawals with cards62.5 million transactions ECB series 1

12 of 25

Cash withdrawals with cards history
PeriodValue and caveat
H1 202365.5 million transactions ECB series 1
H2 202365.6 million transactions ECB series 1
H1 202464.0 million transactions ECB series 1
H2 202465.3 million transactions ECB series 1
H1 202562.9 million transactions ECB series 1
H2 2025 (provisional)62.5 million transactions ECB series 1
34.3 million transactions ECB series 1

18 of 25

Cash withdrawals with cards history
PeriodValue and caveat
H1 202229.7 million transactions ECB series 1
H2 202238.8 million transactions ECB series 1
H1 202382.3 million transactions ECB series 1
H2 202385.4 million transactions ECB series 1
H1 202436.1 million transactions ECB series 1
H2 202436.5 million transactions ECB series 1
H1 202533.5 million transactions ECB series 1
H2 2025 (provisional)34.3 million transactions ECB series 1
Bulgaria has the higher value
Card cash withdrawals per 100 card payments17.6 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
PeriodValue and caveat
H1 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202328.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202326.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202423.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202421.7 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202519.7 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
5.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

11 of 25

Card cash withdrawals per 100 card payments history
PeriodValue and caveat
H1 20227.3 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20228.3 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20236.3 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20236.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20246.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20246.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20255.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)5.4 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
PeriodValue and caveat
H1 202226.6 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 202231.5 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 202335.7 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 202338.6 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 202441.8 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 202446.8 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 202549.6 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
117.1 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

18 of 25

Card payments per inhabitant (ECB) history
PeriodValue and caveat
H1 202273.6 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 202285.7 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
H1 2023241.1 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
H2 2023250.6 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 202497.2 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 2024107.8 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 2025106.1 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
H2 2025 (provisional)117.1 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
Slovakia has the higher value
Direct debits (payer side)3.8 million transactions ECB series 1

19 of 23

Direct debits (payer side) history
PeriodValue and caveat
H1 20221.4 million transactions ECB series 1
H2 20221.5 million transactions ECB series 1
H1 20231.7 million transactions ECB series 1
H2 20232.3 million transactions ECB series 1
H1 20242.8 million transactions ECB series 1
H2 20243.3 million transactions ECB series 1
H1 20253.4 million transactions ECB series 1
H2 2025 (provisional)3.8 million transactions ECB series 1
14.3 million transactions ECB series 1

14 of 23

Direct debits (payer side) history
PeriodValue and caveat
H1 202216.0 million transactions ECB series 1
H2 202216.1 million transactions ECB series 1
H1 202315.1 million transactions ECB series 1
H2 202314.5 million transactions ECB series 1
H1 202414.3 million transactions ECB series 1
H2 202414.7 million transactions ECB series 1
H1 202514.4 million transactions ECB series 1
H2 2025 (provisional)14.3 million transactions ECB series 1
Slovakia has the higher value
Direct debits (payer side), value380.2 EUR million ECB series 1

22 of 23

Direct debits (payer side), value history
PeriodValue and caveat
H1 2022249.1 EUR million ECB series 1
H2 2022294.3 EUR million ECB series 1
H1 2023313.6 EUR million ECB series 1
H2 2023317.6 EUR million ECB series 1
H1 2024419.8 EUR million ECB series 1
H2 2024322.0 EUR million ECB series 1
H1 2025422.2 EUR million ECB series 1
H2 2025 (provisional)380.2 EUR million ECB series 1
2,711.4 EUR million ECB series 1

16 of 23

Direct debits (payer side), value history
PeriodValue and caveat
H1 20222,648.0 EUR million ECB series 1
H2 20223,187.7 EUR million ECB series 1
H1 20232,627.2 EUR million ECB series 1
H2 20232,812.5 EUR million ECB series 1
H1 20242,836.7 EUR million ECB series 1
H2 20243,214.7 EUR million ECB series 1
H1 20252,926.3 EUR million ECB series 1
H2 2025 (provisional)2,711.4 EUR million ECB series 1
Slovakia has the higher value
Fraudulent direct debits (payee side), value0.0 EUR million ECB series 1

8 of 17

Fraudulent direct debits (payee side), value history
PeriodValue and caveat
H1 20230.0 EUR million ECB series 1
H2 20230.0 EUR million ECB series 1
H1 20240.0 EUR million ECB series 1
H2 20240.0 EUR million ECB series 1
H1 20250.0 EUR million ECB series 1
H2 2025 (provisional)0.0 EUR million ECB series 1
0.1 EUR million ECB series 1

5 of 17

Fraudulent direct debits (payee side), value history
PeriodValue and caveat
H1 20220.0 EUR million ECB series 1
H2 20220.0 EUR million ECB series 1
H1 20230.0 EUR million ECB series 1
H2 20230.3 EUR million ECB series 1
H1 20241.9 EUR million ECB series 1
H2 20240.1 EUR million ECB series 1
H1 20250.1 EUR million ECB series 1
H2 2025 (provisional)0.1 EUR million ECB series 1
Slovakia has the higher value
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
PeriodValue and caveat
H1 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025Not 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
0.27 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

1 of 17

Direct debit fraud rate (payee side) history
PeriodValue and caveat
H1 20220.08 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20220.03 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20230.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20231.45 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20248.68 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20240.36 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.44 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)0.27 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Slovakia has the higher value
E-money payments18.9 million transactions ECB series 1

14 of 23

E-money payments history
PeriodValue and caveat
H1 2022Not published by the ECB for this country/period ECB series 1
H2 2022Not published by the ECB for this country/period ECB series 1
H1 202316.6 million transactions ECB series 1
H2 202314.0 million transactions ECB series 1
H1 202411.8 million transactions ECB series 1
H2 202414.8 million transactions ECB series 1
H1 202516.4 million transactions ECB series 1
H2 2025 (provisional)18.9 million transactions ECB series 1
0.7 million transactions ECB series 1

21 of 23

E-money payments history
PeriodValue and caveat
H1 20220.4 million transactions ECB series 1
H2 20220.5 million transactions ECB series 1
H1 20230.6 million transactions ECB series 1
H2 20230.6 million transactions ECB series 1
H1 20240.8 million transactions ECB series 1
H2 20240.8 million transactions ECB series 1
H1 20250.7 million transactions ECB series 1
H2 2025 (provisional)0.7 million transactions ECB series 1
Bulgaria has the higher value
E-money payments, value1,592.8 EUR million ECB series 1

11 of 22

E-money payments, value history
PeriodValue and caveat
H1 2022Not published by the ECB for this country/period ECB series 1
H2 2022703.2 EUR million ECB series 1
H1 2023Not published by the ECB for this country/period ECB series 1
H2 2023Not published by the ECB for this country/period ECB series 1
H1 2024Not published by the ECB for this country/period ECB series 1
H2 2024Not published by the ECB for this country/period ECB series 1
H1 2025Not published by the ECB for this country/period ECB series 1
H2 2025 (provisional)1,592.8 EUR million ECB series 1
60.8 EUR million ECB series 1

18 of 22

E-money payments, value history
PeriodValue and caveat
H1 202232.4 EUR million ECB series 1
H2 202279.1 EUR million ECB series 1
H1 202399.2 EUR million ECB series 1
H2 202342.8 EUR million ECB series 1
H1 202448.9 EUR million ECB series 1
H2 202454.7 EUR million ECB series 1
H1 202559.1 EUR million ECB series 1
H2 2025 (provisional)60.8 EUR million ECB series 1
Bulgaria has the higher value
E-money payment fraud rate0.08 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
PeriodValue and caveat
H1 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025Not 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
0.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

13 of 15

E-money payment fraud rate history
PeriodValue and caveat
H1 20220.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20220.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202311.99 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20230.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20240.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20240.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.06 basis points of value 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
Bulgaria has the higher value
Contactless-enabled share of EFTPOS terminals95.8 % 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
PeriodValue and caveat
H1 202598.9 % 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
100.0 % 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

1 of 25

Contactless-enabled share of EFTPOS terminals history
PeriodValue and caveat
H1 2025100.0 % 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)100.0 % 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
Slovakia 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
PeriodValue and caveat
H1 202561.8 million transactions ECB series 1
H2 2025 (provisional)60.7 million transactions ECB series 1
35.6 million transactions ECB series 1

15 of 20

ATM cash withdrawals at home (resident cards) history
PeriodValue and caveat
H1 202535.0 million transactions ECB series 1
H2 2025 (provisional)35.6 million transactions ECB series 1
Bulgaria has the higher value
ATM cash withdrawals at home, value13,670.9 EUR million ECB series 1

8 of 16

ATM cash withdrawals at home, value history
PeriodValue and caveat
H1 202513,290.7 EUR million ECB series 1
H2 2025 (provisional)13,670.9 EUR million ECB series 1
11,118.2 EUR million ECB series 1

10 of 16

ATM cash withdrawals at home, value history
PeriodValue and caveat
H1 202510,258.3 EUR million ECB series 1
H2 2025 (provisional)11,118.2 EUR million ECB series 1
Bulgaria has the higher value
ATM cash withdrawals abroad (resident cards)0.0 million transactions ECB series 1

5 of 12

ATM cash withdrawals abroad (resident cards) history
PeriodValue and caveat
H1 20250.0 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 withdrawal225.07 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

9 of 15

Average ATM withdrawal history
PeriodValue and caveat
H1 2025215.19 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
312.33 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

2 of 15

Average ATM withdrawal history
PeriodValue and caveat
H1 2025293.29 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)312.33 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Slovakia has the higher value
TIPS instant-settlement transactions0.7 million transactions ECB series 1

11 of 18

TIPS instant-settlement transactions history
PeriodValue and caveat
H1 20250.4 million transactions ECB series 1
H2 2025 (provisional)0.7 million transactions ECB series 1
72.9 million transactions ECB series 1

4 of 18

TIPS instant-settlement transactions history
PeriodValue and caveat
H1 202560.2 million transactions ECB series 1
H2 2025 (provisional)72.9 million transactions ECB series 1
Slovakia has the higher value
TIPS instant-settlement value719.1 EUR million ECB series 1

13 of 15

TIPS instant-settlement value history
PeriodValue and caveat
H1 2025270.0 EUR million ECB series 1
H2 2025 (provisional)719.1 EUR million ECB series 1
26,532.7 EUR million ECB series 1

4 of 15

TIPS instant-settlement value history
PeriodValue and caveat
H1 202516,975.6 EUR million ECB series 1
H2 2025 (provisional)26,532.7 EUR million ECB series 1
Slovakia has the higher value
T2 (TARGET) transactions0.2 million transactions ECB series 1

11 of 16

T2 (TARGET) transactions history
PeriodValue and caveat
H1 20250.2 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 services0.5 million transactions ECB series 1

7 of 9

Payments initiated by payment-initiation services history
PeriodValue and caveat
H1 20230.0 million transactions ECB series 1
H2 20230.0 million transactions ECB series 1
H1 20240.0 million transactions ECB series 1
H2 20240.1 million transactions ECB series 1
H1 20250.2 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, value6.5 EUR million ECB series 1

7 of 10

Payments initiated by payment-initiation services, value history
PeriodValue and caveat
H1 20230.9 EUR million ECB series 1
H2 20230.6 EUR million ECB series 1
H1 20241.4 EUR million ECB series 1
H2 20242.8 EUR million ECB series 1
H1 20256.3 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 payments100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

1 of 7

Strong customer authentication on remote payment-initiation payments history
PeriodValue and caveat
H1 2023100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025100.0 % 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

512.5 terminals per million inhabitants ECB series 1

7 of 12

ATMs per million inhabitants (ECB) history
PeriodValue and caveat
H1 2025613.3 terminals per million inhabitants ECB series 1
H2 2025 (provisional)512.5 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

7 of 9

Credit cards per inhabitant (ECB) history
PeriodValue and caveat
H1 20250.1 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.