Italy vs Spain payments

Italy vs Spain payments: SEPA Instant share of credit transfers (number), H2 2025 (provisional) — SEPA Instant share of credit transfers (number): Italy: 13.9 % (rank 12 of 25); Spain: 37.3 % (rank 1 of 25); Spain leads on this metric. ECB figures, country ranks, withheld reasons and source series.

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

Payments — H2 2025 (provisional)

Metric

Italy

Spain

Comparison

Credit transfers sent

1,275.5 million transactions ECB series 1

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Credit transfers sent history
Period	Value and caveat
H1 2022	979.9 million transactions ECB series 1
H2 2022	1,054.1 million transactions ECB series 1
H1 2023	1,056.8 million transactions ECB series 1
H2 2023	1,104.8 million transactions ECB series 1
H1 2024	1,104.0 million transactions ECB series 1
H2 2024	1,165.5 million transactions ECB series 1
H1 2025	1,171.2 million transactions ECB series 1
H2 2025 (provisional)	1,275.5 million transactions ECB series 1

1,706.3 million transactions ECB series 1

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Credit transfers sent history
Period	Value and caveat
H1 2022	1,083.6 million transactions ECB series 1
H2 2022	1,196.0 million transactions ECB series 1
H1 2023	1,226.0 million transactions ECB series 1
H2 2023	1,323.9 million transactions ECB series 1
H1 2024	1,405.6 million transactions ECB series 1
H2 2024	1,530.6 million transactions ECB series 1
H1 2025	1,583.3 million transactions ECB series 1
H2 2025 (provisional)	1,706.3 million transactions ECB series 1

Spain has the higher value

Credit transfers sent, value

5,372,846.4 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
Period	Value and caveat
H1 2022	4,796,916.0 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2022	5,034,201.1 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2023	4,856,977.6 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2023	4,960,555.8 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2024	5,074,740.1 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2024	5,322,820.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2025	5,230,630.9 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2025 (provisional)	5,372,846.4 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1

5,733,071.1 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
Period	Value and caveat
H1 2022	4,699,600.6 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2022	5,295,803.3 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2023	5,129,490.8 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2023	5,217,063.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2024	5,347,805.1 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2024	5,652,774.4 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2025	5,695,138.1 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2025 (provisional)	5,733,071.1 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1

Spain has the higher value

SEPA Instant credit transfers sent

176.9 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

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SEPA Instant credit transfers sent history
Period	Value and caveat
H1 2022	20.6 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 2022	27.6 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
H1 2023	33.3 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 2023	44.1 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
H1 2024	53.6 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 2024	68.2 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 2025	121.3 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 2025 (provisional)	176.9 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

636.1 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

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SEPA Instant credit transfers sent history
Period	Value and caveat
H1 2022	254.5 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
H2 2022	318.0 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H1 2023	348.9 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 2023	398.9 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
H1 2024	422.6 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 2024	477.7 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
H1 2025	549.3 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 2025 (provisional)	636.1 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

Spain has the higher value

SEPA Instant credit transfers sent, value

144,500.4 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

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SEPA Instant credit transfers sent, value history
Period	Value and caveat
H1 2022	16,101.2 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 2022	21,922.6 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 2023	27,443.7 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 2023	35,232.6 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H1 2024	41,865.9 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 2024	52,871.8 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
H1 2025	89,529.9 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 2025 (provisional)	144,500.4 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

215,753.3 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

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SEPA Instant credit transfers sent, value history
Period	Value and caveat
H1 2022	30,686.1 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 2022	40,000.1 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 2023	44,105.0 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 2023	51,481.2 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 2024	57,430.7 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 2024	65,532.0 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
H1 2025	123,965.6 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)	215,753.3 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

Spain has the higher value

SEPA (non-instant) credit transfers sent

449.7 million transactions ECB series 1

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SEPA (non-instant) credit transfers sent history
Period	Value and caveat
H1 2022	412.9 million transactions ECB series 1
H2 2022	439.6 million transactions ECB series 1
H1 2023	451.8 million transactions ECB series 1
H2 2023	463.3 million transactions ECB series 1
H1 2024	473.4 million transactions ECB series 1
H2 2024	494.4 million transactions ECB series 1
H1 2025	453.7 million transactions ECB series 1
H2 2025 (provisional)	449.7 million transactions ECB series 1

344.1 million transactions ECB series 1

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SEPA (non-instant) credit transfers sent history
Period	Value and caveat
H1 2022	383.5 million transactions ECB series 1
H2 2022	385.4 million transactions ECB series 1
H1 2023	370.7 million transactions ECB series 1
H2 2023	376.9 million transactions ECB series 1
H1 2024	413.9 million transactions ECB series 1
H2 2024	433.1 million transactions ECB series 1
H1 2025	387.0 million transactions ECB series 1
H2 2025 (provisional)	344.1 million transactions ECB series 1

Italy has the higher value

SEPA Instant share of credit transfers (number)

13.9 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2

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SEPA Instant share of credit transfers (number) history
Period	Value and caveat
H1 2022	2.1 % 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 2022	2.6 % 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 2023	3.2 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 2023	4.0 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H1 2024	4.9 % 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
H2 2024	5.8 % 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
H1 2025	10.4 % 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
H2 2025 (provisional)	13.9 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2

37.3 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2

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SEPA Instant share of credit transfers (number) history
Period	Value and caveat
H1 2022	23.5 % 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 2022	26.6 % 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 2023	28.5 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 2023	30.1 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H1 2024	30.1 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 2024	31.2 % 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 2025	34.7 % 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 2025 (provisional)	37.3 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2

Spain has the higher value

SEPA Instant share of credit transfers (value)

2.7 % 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

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SEPA Instant share of credit transfers (value) history
Period	Value and caveat
H1 2022	0.3 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 2022	0.4 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H1 2023	0.6 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 2023	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
H1 2024	0.8 % 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 2024	1.0 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H1 2025	1.7 % 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 2025 (provisional)	2.7 % 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

3.8 % 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

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SEPA Instant share of credit transfers (value) history
Period	Value and caveat
H1 2022	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
H2 2022	0.8 % 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
H1 2023	0.9 % 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
H2 2023	1.0 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H1 2024	1.1 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 2024	1.2 % 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 2025	2.2 % 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)	3.8 % 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

Spain has the higher value

Cross-border share of credit transfers (number)

2.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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Cross-border share of credit transfers (number) history
Period	Value and caveat
H1 2022	1.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	1.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	1.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	1.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	2.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	2.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	2.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	2.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

2.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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Cross-border share of credit transfers (number) history
Period	Value and caveat
H1 2022	1.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	1.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	1.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	1.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	1.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	1.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	1.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	2.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Italy has the higher value

Remotely initiated share of electronic credit transfers

Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Unranked

Remotely initiated share of electronic credit transfers history
Period	Value and caveat
H1 2022	Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

99.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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Remotely initiated share of electronic credit transfers history
Period	Value and caveat
H1 2022	98.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	98.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	97.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	98.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	98.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	99.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	98.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	99.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

No comparable published values

Strong customer authentication on remote credit transfers

84.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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Strong customer authentication on remote credit transfers history
Period	Value and caveat
H1 2022	83.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	84.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	84.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	83.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	82.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	82.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	82.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	84.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

53.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

21 of 24

Strong customer authentication on remote credit transfers history
Period	Value and caveat
H1 2022	47.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	45.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	50.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	53.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	51.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	49.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	55.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	53.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Italy has the higher value

E-commerce credit transfers

5.3 million transactions ECB series 1

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E-commerce credit transfers history
Period	Value and caveat
H1 2022	1.2 million transactions ECB series 1
H2 2022	1.4 million transactions ECB series 1
H1 2023	1.7 million transactions ECB series 1
H2 2023	2.0 million transactions ECB series 1
H1 2024	2.6 million transactions ECB series 1
H2 2024	3.0 million transactions ECB series 1
H1 2025	4.5 million transactions ECB series 1
H2 2025 (provisional)	5.3 million transactions ECB series 1

51.0 million transactions ECB series 1

5 of 24

E-commerce credit transfers history
Period	Value and caveat
H1 2022	35.1 million transactions ECB series 1
H2 2022	37.2 million transactions ECB series 1
H1 2023	41.1 million transactions ECB series 1
H2 2023	41.9 million transactions ECB series 1
H1 2024	45.1 million transactions ECB series 1
H2 2024	48.9 million transactions ECB series 1
H1 2025	51.5 million transactions ECB series 1
H2 2025 (provisional)	51.0 million transactions ECB series 1

Spain has the higher value

Credit transfers via mobile payment solutions

164.6 million transactions ECB series 1

7 of 21

Credit transfers via mobile payment solutions history
Period	Value and caveat
H1 2022	47.3 million transactions ECB series 1
H2 2022	64.5 million transactions ECB series 1
H1 2023	74.6 million transactions ECB series 1
H2 2023	86.1 million transactions ECB series 1
H1 2024	95.3 million transactions ECB series 1
H2 2024	109.9 million transactions ECB series 1
H1 2025	137.2 million transactions ECB series 1
H2 2025 (provisional)	164.6 million transactions ECB series 1

674.1 million transactions ECB series 1

2 of 21

Credit transfers via mobile payment solutions history
Period	Value and caveat
H1 2022	347.8 million transactions ECB series 1
H2 2022	437.9 million transactions ECB series 1
H1 2023	460.4 million transactions ECB series 1
H2 2023	546.6 million transactions ECB series 1
H1 2024	554.8 million transactions ECB series 1
H2 2024	623.4 million transactions ECB series 1
H1 2025	629.1 million transactions ECB series 1
H2 2025 (provisional)	674.1 million transactions ECB series 1

Spain has the higher value

Person-to-person mobile credit transfers

9.5 million transactions ECB series 1

11 of 22

Person-to-person mobile credit transfers history
Period	Value and caveat
H1 2022	3.5 million transactions ECB series 1
H2 2022	4.7 million transactions ECB series 1
H1 2023	5.3 million transactions ECB series 1
H2 2023	6.2 million transactions ECB series 1
H1 2024	6.8 million transactions ECB series 1
H2 2024	8.5 million transactions ECB series 1
H1 2025	8.6 million transactions ECB series 1
H2 2025 (provisional)	9.5 million transactions ECB series 1

598.9 million transactions ECB series 1

1 of 22

Person-to-person mobile credit transfers history
Period	Value and caveat
H1 2022	311.9 million transactions ECB series 1
H2 2022	395.7 million transactions ECB series 1
H1 2023	415.5 million transactions ECB series 1
H2 2023	495.3 million transactions ECB series 1
H1 2024	505.6 million transactions ECB series 1
H2 2024	564.6 million transactions ECB series 1
H1 2025	567.9 million transactions ECB series 1
H2 2025 (provisional)	598.9 million transactions ECB series 1

Spain has the higher value

Credit transfers initiated by payment initiation services

0.9 million transactions ECB series 1

14 of 23

Credit transfers initiated by payment initiation services history
Period	Value and caveat
H1 2022	1.4 million transactions ECB series 1
H2 2022	2.3 million transactions ECB series 1
H1 2023	0.8 million transactions ECB series 1
H2 2023	0.6 million transactions ECB series 1
H1 2024	0.6 million transactions ECB series 1
H2 2024	0.7 million transactions ECB series 1
H1 2025	0.8 million transactions ECB series 1
H2 2025 (provisional)	0.9 million transactions ECB series 1

2.7 million transactions ECB series 1

10 of 23

Credit transfers initiated by payment initiation services history
Period	Value and caveat
H1 2022	4.8 million transactions ECB series 1
H2 2022	5.5 million transactions ECB series 1
H1 2023	5.4 million transactions ECB series 1
H2 2023	6.0 million transactions ECB series 1
H1 2024	1.2 million transactions ECB series 1
H2 2024	1.5 million transactions ECB series 1
H1 2025	1.8 million transactions ECB series 1
H2 2025 (provisional)	2.7 million transactions ECB series 1

Spain has the higher value

Fraudulent credit transfers, value

121.3 EUR million ECB series 1

4 of 20

Fraudulent credit transfers, value history
Period	Value and caveat
H1 2022	23.6 EUR million ECB series 1
H2 2022	28.6 EUR million ECB series 1
H1 2023	37.3 EUR million ECB series 1
H2 2023	45.8 EUR million ECB series 1
H1 2024	69.7 EUR million ECB series 1
H2 2024	96.8 EUR million ECB series 1
H1 2025	97.7 EUR million ECB series 1
H2 2025 (provisional)	121.3 EUR million ECB series 1

149.8 EUR million ECB series 1

3 of 20

Fraudulent credit transfers, value history
Period	Value and caveat
H1 2022	41.9 EUR million ECB series 1
H2 2022	65.7 EUR million ECB series 1
H1 2023	58.8 EUR million ECB series 1
H2 2023	75.7 EUR million ECB series 1
H1 2024	81.6 EUR million ECB series 1
H2 2024	72.2 EUR million ECB series 1
H1 2025	100.5 EUR million ECB series 1
H2 2025 (provisional)	149.8 EUR million ECB series 1

Spain has the higher value

Credit transfer fraud rate

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

6 of 19

Credit transfer fraud rate history
Period	Value and caveat
H1 2022	0.05 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	0.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	0.08 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	0.09 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	0.14 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	0.18 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	0.19 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	0.23 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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

5 of 19

Credit transfer fraud rate history
Period	Value and caveat
H1 2022	0.09 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	0.12 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	0.11 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	0.15 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	0.15 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	0.13 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	0.18 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	0.26 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Spain has the higher value

Credit transfers per inhabitant (ECB)

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

24 of 25

Credit transfers per inhabitant (ECB) history
Period	Value and caveat
H1 2022	16.5 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2022	17.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 2023	17.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2023	18.7 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 2024	18.7 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2024	19.8 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 2025	19.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2025 (provisional)	21.6 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1

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

18 of 25

Credit transfers per inhabitant (ECB) history
Period	Value and caveat
H1 2022	22.8 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2022	24.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 2023	25.4 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2023	27.3 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 2024	28.8 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2024	31.2 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 2025	32.1 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2025 (provisional)	34.5 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1

Spain has the higher value

Average credit transfer (incl. large-value)

4,212.29 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2

9 of 24

Average credit transfer (incl. large-value) history
Period	Value and caveat
H1 2022	4,895.44 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2022	4,775.89 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 2023	4,595.87 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2023	4,490.01 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
H1 2024	4,596.53 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2024	4,566.83 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 2025	4,465.93 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)	4,212.29 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2

3,360.01 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

15 of 24

Average credit transfer (incl. large-value) history
Period	Value and caveat
H1 2022	4,336.86 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2022	4,427.88 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
H1 2023	4,184.01 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 2023	3,940.80 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 2024	3,804.76 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 2024	3,693.25 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 2025	3,597.10 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
H2 2025 (provisional)	3,360.01 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

Italy has the higher value

Card payments (issuer side)

5,099.7 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

5 of 25

Card payments (issuer side) history
Period	Value and caveat
H1 2022	2,834.0 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 2022	3,305.5 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 2023	3,415.2 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	3,814.8 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	3,952.3 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	4,463.2 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	4,473.9 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)	5,099.7 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

6,831.3 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

3 of 25

Card payments (issuer side) history
Period	Value and caveat
H1 2022	4,266.4 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022	4,844.2 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	4,913.7 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
H2 2023	5,474.7 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 2024	5,562.6 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	6,133.5 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 2025	6,178.4 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 2025 (provisional)	6,831.3 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

Spain has the higher value

Card payments, value

220,595.6 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

3 of 25

Card payments, value history
Period	Value and caveat
H1 2022	146,741.7 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 2022	169,643.0 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
H1 2023	169,148.5 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
H2 2023	184,882.7 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 2024	183,249.5 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
H2 2024	203,638.8 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	196,732.9 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)	220,595.6 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

219,424.8 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

4 of 25

Card payments, value history
Period	Value and caveat
H1 2022	145,043.4 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 2022	166,612.8 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 2023	162,555.8 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 2023	181,858.0 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
H1 2024	177,270.3 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	198,636.3 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	195,023.8 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 2025 (provisional)	219,424.8 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

Italy has the higher value

Average card payment

43.26 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

6 of 25

Average card payment history
Period	Value and caveat
H1 2022	51.78 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2022	51.32 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2023	49.53 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2023	48.46 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2024	46.37 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2024	45.63 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2025	43.97 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)	43.26 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

32.12 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

14 of 25

Average card payment history
Period	Value and caveat
H1 2022	34.00 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2022	34.39 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2023	33.08 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2023	33.22 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2024	31.87 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2024	32.39 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2025	31.57 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)	32.12 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

Italy has the higher value

Contactless card payments

3,834.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

5 of 25

Contactless card payments history
Period	Value and caveat
H1 2022	1,650.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022	1,998.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	2,126.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	2,491.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	2,534.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	2,959.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	3,263.2 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)	3,834.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

5,280.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

3 of 25

Contactless card payments history
Period	Value and caveat
H1 2022	2,918.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022	3,549.7 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	3,623.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	4,139.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	4,264.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	4,731.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	4,770.9 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)	5,280.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

Spain has the higher value

Contactless card payments, value

148,975.0 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

2 of 25

Contactless card payments, value history
Period	Value and caveat
H1 2022	73,209.8 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022	89,832.3 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	91,463.8 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	106,257.5 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	102,906.8 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	120,429.2 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	127,704.6 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)	148,975.0 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

144,365.0 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

3 of 25

Contactless card payments, value history
Period	Value and caveat
H1 2022	85,317.9 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022	105,611.9 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	102,721.5 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	118,747.3 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	115,999.3 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	131,736.1 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	127,568.4 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)	144,365.0 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

Italy has the higher value

Contactless share of card payments (number)

75.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

11 of 25

Contactless share of card payments (number) history
Period	Value and caveat
H1 2022	58.2 % 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 2022	60.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2023	62.2 % 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 2023	65.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2024	64.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2024	66.3 % 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 2025	72.9 % 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)	75.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

77.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

6 of 25

Contactless share of card payments (number) history
Period	Value and caveat
H1 2022	68.4 % 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 2022	73.3 % 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 2023	73.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2023	75.6 % 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 2024	76.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2024	77.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2025	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
H2 2025 (provisional)	77.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

Spain has the higher value

Contactless share of card payments (value)

67.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

4 of 25

Contactless share of card payments (value) history
Period	Value and caveat
H1 2022	49.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2022	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
H1 2023	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
H2 2023	57.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2024	56.2 % 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 2024	59.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2025	64.9 % 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)	67.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

65.8 % 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

6 of 25

Contactless share of card payments (value) history
Period	Value and caveat
H1 2022	58.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2022	63.4 % 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 2023	63.2 % 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 2023	65.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2024	65.4 % 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 2024	66.3 % 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 2025	65.4 % 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)	65.8 % 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

Italy has the higher value

NFC card payments

3,661.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

4 of 25

NFC card payments history
Period	Value and caveat
H1 2022	1,556.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022	1,895.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	2,044.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	2,381.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	2,409.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	2,879.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	3,101.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)	3,661.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

5,267.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

3 of 25

NFC card payments history
Period	Value and caveat
H1 2022	873.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022	1,266.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	1,899.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	2,076.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	4,075.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	4,718.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	4,759.9 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)	5,267.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

Spain has the higher value

NFC share of contactless payments

95.5 % 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

21 of 25

NFC share of contactless payments history
Period	Value and caveat
H1 2022	94.3 % 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 2022	94.8 % 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 2023	96.2 % 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 2023	95.6 % 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 2024	95.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2024	97.3 % 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 2025	95.0 % 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)	95.5 % 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

99.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

13 of 25

NFC share of contactless payments history
Period	Value and caveat
H1 2022	29.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2022	35.7 % 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 2023	52.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2023	50.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2024	95.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2024	99.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2025	99.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)	99.8 % 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

Spain has the higher value

Remote (online) share of card payments

17.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

20 of 25

Remote (online) share of card payments history
Period	Value and caveat
H1 2022	16.0 % 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 2022	15.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2023	16.2 % 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 2023	15.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2024	16.3 % 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 2024	16.0 % 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 2025	16.6 % 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)	17.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

19.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

17 of 25

Remote (online) share of card payments history
Period	Value and caveat
H1 2022	18.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2022	17.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2023	18.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2023	18.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2024	18.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2024	18.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2025	18.9 % 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)	19.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

Spain has the higher value

Card payments via mobile payment solutions

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

4 of 24

Card payments via mobile payment solutions history
Period	Value and caveat
H1 2022	81.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022	97.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	116.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	135.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	152.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	183.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	199.6 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)	246.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

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

1 of 24

Card payments via mobile payment solutions history
Period	Value and caveat
H1 2022	71.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022	87.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	117.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	179.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	210.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	258.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	312.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)	418.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

Spain has the higher value

Share of card payments at terminals abroad

13.6 % 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

17 of 25

Share of card payments at terminals abroad history
Period	Value and caveat
H1 2022	10.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2022	11.7 % 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 2023	12.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2023	12.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2024	11.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2024	12.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2025	12.2 % 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)	13.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

14.1 % 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

16 of 25

Share of card payments at terminals abroad history
Period	Value and caveat
H1 2022	12.3 % 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 2022	12.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2023	11.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2023	12.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2024	12.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2024	13.0 % 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 2025	13.1 % 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 2025 (provisional)	14.1 % 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

Spain has the higher value

Strong customer authentication on remote card payments

32.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

19 of 25

Strong customer authentication on remote card payments history
Period	Value and caveat
H1 2022	30.6 % 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 2022	34.2 % 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 2023	34.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2023	39.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2024	39.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2024	40.3 % 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 2025	32.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)	32.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

58.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

3 of 25

Strong customer authentication on remote card payments history
Period	Value and caveat
H1 2022	34.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2022	35.7 % 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 2023	43.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2023	48.6 % 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 2024	51.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2024	53.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2025	54.9 % 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)	58.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

Spain has the higher value

Fraudulent card payments (issuer side), value

38.7 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 of 20

Fraudulent card payments (issuer side), value history
Period	Value and caveat
H1 2022	32.4 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 2022	38.4 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 2023	35.7 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 2023	47.1 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 2024	43.4 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 2024	41.7 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 2025	39.8 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 2025 (provisional)	38.7 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

83.7 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

2 of 20

Fraudulent card payments (issuer side), value history
Period	Value and caveat
H1 2022	66.4 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 2022	72.7 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 2023	62.6 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	78.9 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024	75.5 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
H2 2024	73.8 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	76.7 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)	83.7 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

Spain has the higher value

Card payment fraud rate (issuer side)

1.76 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

15 of 20

Card payment fraud rate (issuer side) history
Period	Value and caveat
H1 2022	2.21 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 2022	2.26 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 2023	2.11 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2023	2.55 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2024	2.37 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2024	2.05 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2025	2.02 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)	1.76 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

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

3 of 20

Card payment fraud rate (issuer side) history
Period	Value and caveat
H1 2022	4.58 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 2022	4.36 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 2023	3.85 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2023	4.34 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2024	4.26 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2024	3.72 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 2025	3.93 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)	3.82 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

Spain has the higher value

Cash withdrawals with cards

404.1 million transactions ECB series 1

3 of 25

Cash withdrawals with cards history
Period	Value and caveat
H1 2022	430.4 million transactions ECB series 1
H2 2022	455.7 million transactions ECB series 1
H1 2023	434.2 million transactions ECB series 1
H2 2023	445.1 million transactions ECB series 1
H1 2024	425.1 million transactions ECB series 1
H2 2024	431.5 million transactions ECB series 1
H1 2025	396.1 million transactions ECB series 1
H2 2025 (provisional)	404.1 million transactions ECB series 1

334.5 million transactions ECB series 1

4 of 25

Cash withdrawals with cards history
Period	Value and caveat
H1 2022	318.5 million transactions ECB series 1
H2 2022	325.2 million transactions ECB series 1
H1 2023	340.1 million transactions ECB series 1
H2 2023	342.6 million transactions ECB series 1
H1 2024	327.5 million transactions ECB series 1
H2 2024	291.6 million transactions ECB series 1
H1 2025	328.7 million transactions ECB series 1
H2 2025 (provisional)	334.5 million transactions ECB series 1

Italy has the higher value

Card cash withdrawals per 100 card payments

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

7 of 25

Card cash withdrawals per 100 card payments history
Period	Value and caveat
H1 2022	15.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	13.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	12.7 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	11.7 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	10.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	9.7 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	8.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	7.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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

13 of 25

Card cash withdrawals per 100 card payments history
Period	Value and caveat
H1 2022	7.5 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	6.7 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	6.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	6.3 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	5.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	4.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	5.3 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	4.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Italy has the higher value

Card payments per inhabitant (ECB)

86.5 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

24 of 25

Card payments per inhabitant (ECB) history
Period	Value and caveat
H1 2022	47.9 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022	56.0 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	57.9 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023	64.7 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 2024	67.0 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	75.7 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 2025	75.9 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)	86.5 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

138.0 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

13 of 25

Card payments per inhabitant (ECB) history
Period	Value and caveat
H1 2022	90.3 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022	100.9 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023	101.8 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 2023	112.7 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 2024	114.0 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024	125.1 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025	125.4 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)	138.0 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

Spain has the higher value

Direct debits (payer side)

732.7 million transactions ECB series 1

5 of 23

Direct debits (payer side) history
Period	Value and caveat
H1 2022	578.9 million transactions ECB series 1
H2 2022	609.2 million transactions ECB series 1
H1 2023	631.7 million transactions ECB series 1
H2 2023	645.3 million transactions ECB series 1
H1 2024	673.9 million transactions ECB series 1
H2 2024	717.2 million transactions ECB series 1
H1 2025	704.6 million transactions ECB series 1
H2 2025 (provisional)	732.7 million transactions ECB series 1

1,154.8 million transactions ECB series 1

3 of 23

Direct debits (payer side) history
Period	Value and caveat
H1 2022	1,103.4 million transactions ECB series 1
H2 2022	1,111.1 million transactions ECB series 1
H1 2023	1,123.0 million transactions ECB series 1
H2 2023	1,118.0 million transactions ECB series 1
H1 2024	1,128.5 million transactions ECB series 1
H2 2024	1,142.2 million transactions ECB series 1
H1 2025	1,134.5 million transactions ECB series 1
H2 2025 (provisional)	1,154.8 million transactions ECB series 1

Spain has the higher value

Direct debits (payer side), value

354,074.1 EUR million ECB series 1

4 of 23

Direct debits (payer side), value history
Period	Value and caveat
H1 2022	281,259.0 EUR million ECB series 1
H2 2022	282,739.1 EUR million ECB series 1
H1 2023	297,322.8 EUR million ECB series 1
H2 2023	298,848.5 EUR million ECB series 1
H1 2024	348,853.4 EUR million ECB series 1
H2 2024	345,564.6 EUR million ECB series 1
H1 2025	357,731.7 EUR million ECB series 1
H2 2025 (provisional)	354,074.1 EUR million ECB series 1

395,127.9 EUR million ECB series 1

3 of 23

Direct debits (payer side), value history
Period	Value and caveat
H1 2022	334,129.7 EUR million ECB series 1
H2 2022	359,208.7 EUR million ECB series 1
H1 2023	356,397.0 EUR million ECB series 1
H2 2023	360,200.4 EUR million ECB series 1
H1 2024	356,830.4 EUR million ECB series 1
H2 2024	376,052.0 EUR million ECB series 1
H1 2025	376,168.8 EUR million ECB series 1
H2 2025 (provisional)	395,127.9 EUR million ECB series 1

Spain has the higher value

Fraudulent direct debits (payee side), value

0.4 EUR million ECB series 1

3 of 17

Fraudulent direct debits (payee side), value history
Period	Value and caveat
H1 2022	4.9 EUR million ECB series 1
H2 2022	0.6 EUR million ECB series 1
H1 2023	1.0 EUR million ECB series 1
H2 2023	0.2 EUR million ECB series 1
H1 2024	0.0 EUR million ECB series 1
H2 2024	2.1 EUR million ECB series 1
H1 2025	1.2 EUR million ECB series 1
H2 2025 (provisional)	0.4 EUR million ECB series 1

2.9 EUR million ECB series 1

2 of 17

Fraudulent direct debits (payee side), value history
Period	Value and caveat
H1 2022	2.0 EUR million ECB series 1
H2 2022	1.6 EUR million ECB series 1
H1 2023	1.6 EUR million ECB series 1
H2 2023	1.6 EUR million ECB series 1
H1 2024	2.1 EUR million ECB series 1
H2 2024	2.1 EUR million ECB series 1
H1 2025	3.2 EUR million ECB series 1
H2 2025 (provisional)	2.9 EUR million ECB series 1

Spain has the higher value

Direct debit fraud rate (payee side)

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

5 of 17

Direct debit fraud rate (payee side) history
Period	Value and caveat
H1 2022	0.17 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	0.02 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	0.03 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	0.01 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	0.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	0.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	0.03 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	0.01 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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

3 of 17

Direct debit fraud rate (payee side) history
Period	Value and caveat
H1 2022	0.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	0.05 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	0.05 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	0.05 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	0.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	0.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	0.09 basis points of value 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

Spain has the higher value

E-money payments

1,497.1 million transactions ECB series 1

2 of 23

E-money payments history
Period	Value and caveat
H1 2022	850.0 million transactions ECB series 1
H2 2022	1,008.1 million transactions ECB series 1
H1 2023	1,014.7 million transactions ECB series 1
H2 2023	1,150.0 million transactions ECB series 1
H1 2024	1,132.2 million transactions ECB series 1
H2 2024	1,334.3 million transactions ECB series 1
H1 2025	1,302.3 million transactions ECB series 1
H2 2025 (provisional)	1,497.1 million transactions ECB series 1

175.1 million transactions ECB series 1

4 of 23

E-money payments history
Period	Value and caveat
H1 2022	83.2 million transactions ECB series 1
H2 2022	87.7 million transactions ECB series 1
H1 2023	101.1 million transactions ECB series 1
H2 2023	116.9 million transactions ECB series 1
H1 2024	132.3 million transactions ECB series 1
H2 2024	148.4 million transactions ECB series 1
H1 2025	156.5 million transactions ECB series 1
H2 2025 (provisional)	175.1 million transactions ECB series 1

Italy has the higher value

E-money payments, value

46,628.9 EUR million ECB series 1

2 of 22

E-money payments, value history
Period	Value and caveat
H1 2022	29,481.3 EUR million ECB series 1
H2 2022	35,089.7 EUR million ECB series 1
H1 2023	34,253.4 EUR million ECB series 1
H2 2023	38,362.2 EUR million ECB series 1
H1 2024	36,331.9 EUR million ECB series 1
H2 2024	43,687.8 EUR million ECB series 1
H1 2025	40,900.9 EUR million ECB series 1
H2 2025 (provisional)	46,628.9 EUR million ECB series 1

9,002.0 EUR million ECB series 1

7 of 22

E-money payments, value history
Period	Value and caveat
H1 2022	3,798.3 EUR million ECB series 1
H2 2022	4,108.0 EUR million ECB series 1
H1 2023	4,323.3 EUR million ECB series 1
H2 2023	5,601.5 EUR million ECB series 1
H1 2024	6,889.1 EUR million ECB series 1
H2 2024	7,680.8 EUR million ECB series 1
H1 2025	8,073.6 EUR million ECB series 1
H2 2025 (provisional)	9,002.0 EUR million ECB series 1

Italy has the higher value

E-money payment fraud rate

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

3 of 15

E-money payment fraud rate history
Period	Value and caveat
H1 2022	7.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	2.76 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	4.25 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	3.53 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	2.72 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	2.36 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	3.28 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	2.38 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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

4 of 15

E-money payment fraud rate history
Period	Value and caveat
H1 2022	3.38 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	2.79 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	2.37 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	2.51 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	2.26 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	1.74 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	1.89 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	1.82 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Italy has the higher value

ATMs per million inhabitants (ECB)

767.5 terminals per million inhabitants ECB series 1

2 of 12

ATMs per million inhabitants (ECB) history
Period	Value and caveat
H1 2025	765.9 terminals per million inhabitants ECB series 1
H2 2025 (provisional)	767.5 terminals per million inhabitants ECB series 1

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

Unranked

No comparable published values

Contactless-enabled share of EFTPOS terminals

94.6 % 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

20 of 25

Contactless-enabled share of EFTPOS terminals history
Period	Value and caveat
H1 2025	94.0 % 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)	94.6 % 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

96.9 % 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

15 of 25

Contactless-enabled share of EFTPOS terminals history
Period	Value and caveat
H1 2025	96.9 % 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)	96.9 % 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

Spain has the higher value

Credit cards per inhabitant (ECB)

0.1 cards per inhabitant ECB series 1

8 of 9

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

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

Unranked

No comparable published values

ATM cash withdrawals at home (resident cards)

398.5 million transactions ECB series 1

3 of 20

ATM cash withdrawals at home (resident cards) history
Period	Value and caveat
H1 2025	387.4 million transactions ECB series 1
H2 2025 (provisional)	398.5 million transactions ECB series 1

345.9 million transactions ECB series 1

4 of 20

ATM cash withdrawals at home (resident cards) history
Period	Value and caveat
H1 2025	Not published by the ECB for this country/period ECB series 1
H2 2025 (provisional)	345.9 million transactions ECB series 1

Italy has the higher value

ATM cash withdrawals at home, value

102,916.7 EUR million ECB series 1

2 of 16

ATM cash withdrawals at home, value history
Period	Value and caveat
H1 2025	95,813.4 EUR million ECB series 1
H2 2025 (provisional)	102,916.7 EUR million ECB series 1

70,974.3 EUR million ECB series 1

3 of 16

ATM cash withdrawals at home, value history
Period	Value and caveat
H1 2025	Not published by the ECB for this country/period ECB series 1
H2 2025 (provisional)	70,974.3 EUR million ECB series 1

Italy has the higher value

Average ATM withdrawal

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

7 of 15

Average ATM withdrawal history
Period	Value and caveat
H1 2025	247.30 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	258.24 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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

11 of 15

Average ATM withdrawal history
Period	Value and caveat
H1 2025	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	205.20 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Italy has the higher value

TIPS instant-settlement transactions

97.0 million transactions ECB series 1

2 of 18

TIPS instant-settlement transactions history
Period	Value and caveat
H1 2025	65.4 million transactions ECB series 1
H2 2025 (provisional)	97.0 million transactions ECB series 1

4.2 million transactions ECB series 1

9 of 18

TIPS instant-settlement transactions history
Period	Value and caveat
H1 2025	3.3 million transactions ECB series 1
H2 2025 (provisional)	4.2 million transactions ECB series 1

Italy has the higher value

TIPS instant-settlement value

74,869.7 EUR million ECB series 1

2 of 15

TIPS instant-settlement value history
Period	Value and caveat
H1 2025	42,761.4 EUR million ECB series 1
H2 2025 (provisional)	74,869.7 EUR million ECB series 1

6,711.9 EUR million ECB series 1

9 of 15

TIPS instant-settlement value history
Period	Value and caveat
H1 2025	3,833.3 EUR million ECB series 1
H2 2025 (provisional)	6,711.9 EUR million ECB series 1

Italy has the higher value

T2 (TARGET) transactions

4.9 million transactions ECB series 1

3 of 16

T2 (TARGET) transactions history
Period	Value and caveat
H1 2025	5.0 million transactions ECB series 1
H2 2025 (provisional)	4.9 million transactions ECB series 1

4.1 million transactions ECB series 1

4 of 16

T2 (TARGET) transactions history
Period	Value and caveat
H1 2025	3.9 million transactions ECB series 1
H2 2025 (provisional)	4.1 million transactions ECB series 1

Italy has the higher value

ATM cash withdrawals abroad (resident cards)

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

Unranked

0.0 million transactions ECB series 1

3 of 12

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

No comparable published values

Payments initiated by payment-initiation services

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

Unranked

1.1 million transactions ECB series 1

6 of 9

Payments initiated by payment-initiation services history
Period	Value and caveat
H1 2022	0.2 million transactions ECB series 1
H2 2022	0.3 million transactions ECB series 1
H1 2023	0.3 million transactions ECB series 1
H2 2023	0.4 million transactions ECB series 1
H1 2024	0.5 million transactions ECB series 1
H2 2024	1.0 million transactions ECB series 1
H1 2025	1.0 million transactions ECB series 1
H2 2025 (provisional)	1.1 million transactions ECB series 1

No comparable published values

Payments initiated by payment-initiation services, value

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

Unranked

569.4 EUR million ECB series 1

6 of 10

Payments initiated by payment-initiation services, value history
Period	Value and caveat
H1 2022	236.5 EUR million ECB series 1
H2 2022	390.1 EUR million ECB series 1
H1 2023	454.8 EUR million ECB series 1
H2 2023	608.5 EUR million ECB series 1
H1 2024	679.4 EUR million ECB series 1
H2 2024	1,117.0 EUR million ECB series 1
H1 2025	1,675.6 EUR million ECB series 1
H2 2025 (provisional)	569.4 EUR million ECB series 1

No comparable published values

Strong customer authentication on remote payment-initiation payments

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

Unranked

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

3 of 7

Strong customer authentication on remote payment-initiation payments history
Period	Value and caveat
H1 2022	98.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022	98.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)	100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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.