Portugal vs Spain payments

Portugal vs Spain payments: SEPA Instant share of credit transfers (number), H2 2025 (provisional) — SEPA Instant share of credit transfers (number): Portugal: 31.5 % (rank 3 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)
MetricPortugalSpainComparison
Credit transfers sent298.8 million transactions ECB series 1

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Credit transfers sent history
PeriodValue and caveat
H1 2022170.2 million transactions ECB series 1
H2 2022183.0 million transactions ECB series 1
H1 2023182.5 million transactions ECB series 1
H2 2023187.8 million transactions ECB series 1
H1 2024193.2 million transactions ECB series 1
H2 2024204.2 million transactions ECB series 1
H1 2025245.1 million transactions ECB series 1
H2 2025 (provisional)298.8 million transactions ECB series 1
1,706.3 million transactions ECB series 1

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Credit transfers sent history
PeriodValue and caveat
H1 20221,083.6 million transactions ECB series 1
H2 20221,196.0 million transactions ECB series 1
H1 20231,226.0 million transactions ECB series 1
H2 20231,323.9 million transactions ECB series 1
H1 20241,405.6 million transactions ECB series 1
H2 20241,530.6 million transactions ECB series 1
H1 20251,583.3 million transactions ECB series 1
H2 2025 (provisional)1,706.3 million transactions ECB series 1
Spain has the higher value
Credit transfers sent, value1,056,112.1 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
PeriodValue and caveat
H1 2022817,183.2 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2022944,337.2 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2023912,596.3 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2023922,412.0 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2024966,016.9 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 20241,004,629.8 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 20251,041,167.3 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2025 (provisional)1,056,112.1 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
PeriodValue and caveat
H1 20224,699,600.6 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 20225,295,803.3 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 20235,129,490.8 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 20235,217,063.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 20245,347,805.1 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 20245,652,774.4 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 20255,695,138.1 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 sent94.2 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

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SEPA Instant credit transfers sent history
PeriodValue and caveat
H1 20224.7 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 20225.5 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H1 20236.4 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 20237.6 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 20249.0 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 202411.7 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 202546.3 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)94.2 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
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

1 of 25

SEPA Instant credit transfers sent history
PeriodValue and caveat
H1 2022254.5 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 2022318.0 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 2023348.9 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 2023398.9 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 2024422.6 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 2024477.7 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 2025549.3 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, value86,100.2 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

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SEPA Instant credit transfers sent, value history
PeriodValue and caveat
H1 20226,588.0 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 20228,195.1 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 20239,486.5 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 202311,338.6 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 202413,029.6 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 202417,574.1 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 202546,119.4 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
H2 2025 (provisional)86,100.2 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
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
PeriodValue and caveat
H1 202230,686.1 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 202240,000.1 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 202344,105.0 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 202351,481.2 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 202457,430.7 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 202465,532.0 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 2025123,965.6 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 sent114.8 million transactions ECB series 1

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SEPA (non-instant) credit transfers sent history
PeriodValue and caveat
H1 2022118.2 million transactions ECB series 1
H2 2022127.3 million transactions ECB series 1
H1 2023126.0 million transactions ECB series 1
H2 2023129.4 million transactions ECB series 1
H1 2024131.7 million transactions ECB series 1
H2 2024135.8 million transactions ECB series 1
H1 2025117.7 million transactions ECB series 1
H2 2025 (provisional)114.8 million transactions ECB series 1
344.1 million transactions ECB series 1

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SEPA (non-instant) credit transfers sent history
PeriodValue and caveat
H1 2022383.5 million transactions ECB series 1
H2 2022385.4 million transactions ECB series 1
H1 2023370.7 million transactions ECB series 1
H2 2023376.9 million transactions ECB series 1
H1 2024413.9 million transactions ECB series 1
H2 2024433.1 million transactions ECB series 1
H1 2025387.0 million transactions ECB series 1
H2 2025 (provisional)344.1 million transactions ECB series 1
Spain has the higher value
SEPA Instant share of credit transfers (number)31.5 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2

3 of 25

SEPA Instant share of credit transfers (number) history
PeriodValue and caveat
H1 20222.7 % 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 20223.0 % 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 20233.5 % 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 20234.1 % 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 20244.6 % 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 20245.7 % 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 202518.9 % 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 2025 (provisional)31.5 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
37.3 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2

1 of 25

SEPA Instant share of credit transfers (number) history
PeriodValue and caveat
H1 202223.5 % 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 202226.6 % 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 202328.5 % 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 202330.1 % 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 202430.1 % 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 202431.2 % 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 202534.7 % 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)8.2 % 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

3 of 24

SEPA Instant share of credit transfers (value) history
PeriodValue and caveat
H1 20220.8 % 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 20220.9 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H1 20231.0 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 20231.2 % 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 20241.3 % 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 20241.7 % 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 20254.4 % 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)8.2 % 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
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
PeriodValue and caveat
H1 20220.7 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 20220.8 % 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 20230.9 % 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 20231.0 % 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 20241.1 % 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 20241.2 % 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 20252.2 % 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
Portugal has the higher value
Cross-border share of credit transfers (number)5.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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Cross-border share of credit transfers (number) history
PeriodValue and caveat
H1 20222.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20222.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20232.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20233.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20243.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20244.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20255.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)5.8 % 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

21 of 25

Cross-border share of credit transfers (number) history
PeriodValue and caveat
H1 20221.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20221.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20231.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20231.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20241.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20241.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20251.8 % 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
Portugal has the higher value
Remotely initiated share of electronic credit transfersWithheld: 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
PeriodValue and caveat
H1 2022100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025Withheld: 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
PeriodValue and caveat
H1 202298.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202298.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202397.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202398.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202498.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202499.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202598.5 % 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 transfers64.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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Strong customer authentication on remote credit transfers history
PeriodValue and caveat
H1 202258.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202257.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202358.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202359.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202459.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202454.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202560.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)64.9 % 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
PeriodValue and caveat
H1 202247.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202245.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202350.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202353.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202451.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202449.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202555.0 % 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
Portugal has the higher value
E-commerce credit transfers28.8 million transactions ECB series 1

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E-commerce credit transfers history
PeriodValue and caveat
H1 202215.7 million transactions ECB series 1
H2 202216.4 million transactions ECB series 1
H1 202316.3 million transactions ECB series 1
H2 202318.4 million transactions ECB series 1
H1 202419.4 million transactions ECB series 1
H2 202420.7 million transactions ECB series 1
H1 202523.0 million transactions ECB series 1
H2 2025 (provisional)28.8 million transactions ECB series 1
51.0 million transactions ECB series 1

5 of 24

E-commerce credit transfers history
PeriodValue and caveat
H1 202235.1 million transactions ECB series 1
H2 202237.2 million transactions ECB series 1
H1 202341.1 million transactions ECB series 1
H2 202341.9 million transactions ECB series 1
H1 202445.1 million transactions ECB series 1
H2 202448.9 million transactions ECB series 1
H1 202551.5 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 solutionsNot published by the ECB for this country/period ECB series 1

Unranked

Credit transfers via mobile payment solutions history
PeriodValue and caveat
H1 2022Not published by the ECB for this country/period ECB series 1
H2 2022Not published by the ECB for this country/period ECB series 1
H1 2023Not published by the ECB for this country/period ECB series 1
H2 2023Not published by the ECB for this country/period ECB series 1
H1 2024Not published by the ECB for this country/period ECB series 1
H2 2024Not published by the ECB for this country/period ECB series 1
H1 2025Not published by the ECB for this country/period ECB series 1
H2 2025 (provisional)Not published by the ECB for this country/period ECB series 1
674.1 million transactions ECB series 1

2 of 21

Credit transfers via mobile payment solutions history
PeriodValue and caveat
H1 2022347.8 million transactions ECB series 1
H2 2022437.9 million transactions ECB series 1
H1 2023460.4 million transactions ECB series 1
H2 2023546.6 million transactions ECB series 1
H1 2024554.8 million transactions ECB series 1
H2 2024623.4 million transactions ECB series 1
H1 2025629.1 million transactions ECB series 1
H2 2025 (provisional)674.1 million transactions ECB series 1
No comparable published values
Person-to-person mobile credit transfersNot published by the ECB for this country/period ECB series 1

Unranked

Person-to-person mobile credit transfers history
PeriodValue and caveat
H1 2022Not published by the ECB for this country/period ECB series 1
H2 2022Not published by the ECB for this country/period ECB series 1
H1 2023Not published by the ECB for this country/period ECB series 1
H2 2023Not published by the ECB for this country/period ECB series 1
H1 2024Not published by the ECB for this country/period ECB series 1
H2 2024Not published by the ECB for this country/period ECB series 1
H1 2025Not published by the ECB for this country/period ECB series 1
H2 2025 (provisional)Not published by the ECB for this country/period ECB series 1
598.9 million transactions ECB series 1

1 of 22

Person-to-person mobile credit transfers history
PeriodValue and caveat
H1 2022311.9 million transactions ECB series 1
H2 2022395.7 million transactions ECB series 1
H1 2023415.5 million transactions ECB series 1
H2 2023495.3 million transactions ECB series 1
H1 2024505.6 million transactions ECB series 1
H2 2024564.6 million transactions ECB series 1
H1 2025567.9 million transactions ECB series 1
H2 2025 (provisional)598.9 million transactions ECB series 1
No comparable published values
Credit transfers initiated by payment initiation services0.5 million transactions ECB series 1

16 of 23

Credit transfers initiated by payment initiation services history
PeriodValue and caveat
H1 20220.1 million transactions ECB series 1
H2 20220.2 million transactions ECB series 1
H1 20230.2 million transactions ECB series 1
H2 20230.3 million transactions ECB series 1
H1 20240.4 million transactions ECB series 1
H2 20240.4 million transactions ECB series 1
H1 20250.4 million transactions ECB series 1
H2 2025 (provisional)0.5 million transactions ECB series 1
2.7 million transactions ECB series 1

10 of 23

Credit transfers initiated by payment initiation services history
PeriodValue and caveat
H1 20224.8 million transactions ECB series 1
H2 20225.5 million transactions ECB series 1
H1 20235.4 million transactions ECB series 1
H2 20236.0 million transactions ECB series 1
H1 20241.2 million transactions ECB series 1
H2 20241.5 million transactions ECB series 1
H1 20251.8 million transactions ECB series 1
H2 2025 (provisional)2.7 million transactions ECB series 1
Spain has the higher value
Fraudulent credit transfers, value14.0 EUR million ECB series 1

10 of 20

Fraudulent credit transfers, value history
PeriodValue and caveat
H1 20223.7 EUR million ECB series 1
H2 20227.9 EUR million ECB series 1
H1 20233.7 EUR million ECB series 1
H2 202311.0 EUR million ECB series 1
H1 20249.6 EUR million ECB series 1
H2 20246.2 EUR million ECB series 1
H1 20256.6 EUR million ECB series 1
H2 2025 (provisional)14.0 EUR million ECB series 1
149.8 EUR million ECB series 1

3 of 20

Fraudulent credit transfers, value history
PeriodValue and caveat
H1 202241.9 EUR million ECB series 1
H2 202265.7 EUR million ECB series 1
H1 202358.8 EUR million ECB series 1
H2 202375.7 EUR million ECB series 1
H1 202481.6 EUR million ECB series 1
H2 202472.2 EUR million ECB series 1
H1 2025100.5 EUR million ECB series 1
H2 2025 (provisional)149.8 EUR million ECB series 1
Spain has the higher value
Credit transfer fraud rate0.13 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

13 of 19

Credit transfer fraud rate history
PeriodValue and caveat
H1 20220.04 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20220.08 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20230.04 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20230.12 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20240.10 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20240.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)0.13 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
PeriodValue and caveat
H1 20220.09 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20220.12 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20230.11 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20230.15 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20240.15 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20240.13 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.18 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)27.5 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1

21 of 25

Credit transfers per inhabitant (ECB) history
PeriodValue and caveat
H1 202216.5 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202217.4 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202317.3 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202317.7 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202418.1 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202419.0 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202522.7 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2025 (provisional)27.5 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
PeriodValue and caveat
H1 202222.8 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202224.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202325.4 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202327.3 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202428.8 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202431.2 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202532.1 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)3,534.37 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

14 of 24

Average credit transfer (incl. large-value) history
PeriodValue and caveat
H1 20224,802.22 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 20225,160.06 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 20234,999.43 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 20234,910.59 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 20245,000.12 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 20244,920.24 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 20254,247.61 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)3,534.37 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
PeriodValue and caveat
H1 20224,336.86 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 20224,427.88 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 20234,184.01 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 20233,940.80 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 20243,804.76 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 20243,693.25 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 20253,597.10 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
Portugal has the higher value
Card payments (issuer side)1,577.1 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

12 of 25

Card payments (issuer side) history
PeriodValue and caveat
H1 20221,079.5 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20221,226.7 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 20231,214.4 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 20231,319.9 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
H1 20241,492.2 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 20241,663.7 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 20251,483.9 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)1,577.1 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
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
PeriodValue and caveat
H1 20224,266.4 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 20224,844.2 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 20234,913.7 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 20235,474.7 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 20245,562.6 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 20246,133.5 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 20256,178.4 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, value86,264.2 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

9 of 25

Card payments, value history
PeriodValue and caveat
H1 202251,500.9 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 202263,329.0 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 202364,736.0 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202365,484.7 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 202469,564.1 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202482,156.7 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 202574,926.0 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)86,264.2 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
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
PeriodValue and caveat
H1 2022145,043.4 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 2022166,612.8 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 2023162,555.8 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 2023181,858.0 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 2024177,270.3 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 2024198,636.3 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 2025195,023.8 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
Spain has the higher value
Average card payment54.70 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

4 of 25

Average card payment history
PeriodValue and caveat
H1 202247.71 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 202251.63 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 202353.31 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 202349.61 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202446.62 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202449.38 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 202550.49 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)54.70 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 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
PeriodValue and caveat
H1 202234.00 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 202234.39 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 202333.08 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 202333.22 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 202431.87 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 202432.39 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 202531.57 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
Portugal has the higher value
Contactless card payments633.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

16 of 25

Contactless card payments history
PeriodValue and caveat
H1 2022296.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022358.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023365.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023422.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024495.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024580.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025560.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)633.4 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
PeriodValue and caveat
H1 20222,918.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20223,549.7 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20233,623.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20234,139.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20244,264.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20244,731.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20254,770.9 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, value17,954.6 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

16 of 25

Contactless card payments, value history
PeriodValue and caveat
H1 20227,005.2 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20229,045.7 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20238,842.1 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202310,958.4 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202412,572.9 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202415,769.7 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202514,980.1 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)17,954.6 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
PeriodValue and caveat
H1 202285,317.9 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022105,611.9 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023102,721.5 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023118,747.3 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024115,999.3 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024131,736.1 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025127,568.4 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
Spain has the higher value
Contactless share of card payments (number)40.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

25 of 25

Contactless share of card payments (number) history
PeriodValue and caveat
H1 202227.5 % 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 202229.2 % 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 202330.1 % 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 202332.0 % 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 202433.2 % 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 202434.9 % 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 202537.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)40.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
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
PeriodValue and caveat
H1 202268.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202273.3 % 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 202373.7 % 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 202375.6 % 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 202476.7 % 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 202477.1 % 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 202577.2 % 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)20.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

24 of 25

Contactless share of card payments (value) history
PeriodValue and caveat
H1 202213.6 % 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 202214.3 % 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 202313.7 % 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 202316.7 % 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 202418.1 % 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 202419.2 % 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 202520.0 % 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)20.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
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
PeriodValue and caveat
H1 202258.8 % 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 202263.4 % 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 202363.2 % 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 202365.3 % 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 202465.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202466.3 % 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 202565.4 % 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
Spain has the higher value
NFC card payments608.7 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

15 of 25

NFC card payments history
PeriodValue and caveat
H1 2022288.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022348.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023353.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023408.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024479.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024561.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025539.4 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)608.7 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
PeriodValue and caveat
H1 2022873.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20221,266.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20231,899.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20232,076.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20244,075.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20244,718.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20254,759.9 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 payments96.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

19 of 25

NFC share of contactless payments history
PeriodValue and caveat
H1 202297.3 % 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 202297.2 % 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 202396.8 % 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 202396.7 % 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 202496.7 % 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 202496.7 % 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 202596.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)96.1 % 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
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
PeriodValue and caveat
H1 202229.9 % 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 202235.7 % 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 202352.4 % 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 202350.2 % 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 202495.6 % 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 202499.7 % 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 202599.8 % 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 payments33.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

2 of 25

Remote (online) share of card payments history
PeriodValue and caveat
H1 202236.7 % 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 202236.8 % 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 202338.4 % 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 202338.7 % 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 202440.2 % 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 202440.1 % 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 202536.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)33.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
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
PeriodValue and caveat
H1 202218.2 % 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 202217.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202318.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202318.1 % 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 202418.2 % 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 202418.2 % 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 202518.9 % 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
Portugal has the higher value
Card payments via mobile payment solutions115.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

12 of 24

Card payments via mobile payment solutions history
PeriodValue and caveat
H1 202289.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022114.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023134.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023163.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024205.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024241.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025158.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)115.9 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
PeriodValue and caveat
H1 202271.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202287.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023117.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023179.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024210.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024258.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025312.4 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 abroad10.3 % 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

24 of 25

Share of card payments at terminals abroad history
PeriodValue and caveat
H1 20227.9 % 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 20228.1 % 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 20238.4 % 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 20238.7 % 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 20248.9 % 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 20248.9 % 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 20259.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)10.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
14.1 % 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
PeriodValue and caveat
H1 202212.3 % 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 202212.6 % 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 202311.8 % 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 202312.4 % 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 202412.1 % 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 202413.0 % 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 202513.1 % 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 payments75.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

1 of 25

Strong customer authentication on remote card payments history
PeriodValue and caveat
H1 202290.6 % 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 202290.6 % 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 202388.5 % 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 202387.4 % 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 202488.5 % 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 202487.1 % 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 202582.0 % 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)75.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
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
PeriodValue and caveat
H1 202234.8 % 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 202235.7 % 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 202343.7 % 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 202348.6 % 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 202451.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202453.5 % 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 202554.9 % 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
Portugal has the higher value
Fraudulent card payments (issuer side), value3.8 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

12 of 20

Fraudulent card payments (issuer side), value history
PeriodValue and caveat
H1 202212.2 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202210.1 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 20239.9 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 202310.4 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 202412.7 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 202410.8 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 20255.4 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)3.8 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
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
PeriodValue and caveat
H1 202266.4 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 202272.7 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 202362.6 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 202378.9 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 202475.5 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 202473.8 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 202576.7 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)0.44 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

20 of 20

Card payment fraud rate (issuer side) history
PeriodValue and caveat
H1 20222.37 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 20221.59 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 20231.53 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 20231.59 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 20241.82 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
H2 20241.31 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 20250.72 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
H2 2025 (provisional)0.44 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
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
PeriodValue and caveat
H1 20224.58 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 20224.36 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 20233.85 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 20234.34 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 20244.26 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 20243.72 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 20253.93 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 cards176.6 million transactions ECB series 1

6 of 25

Cash withdrawals with cards history
PeriodValue and caveat
H1 2022166.6 million transactions ECB series 1
H2 2022180.3 million transactions ECB series 1
H1 2023172.2 million transactions ECB series 1
H2 2023175.2 million transactions ECB series 1
H1 2024182.9 million transactions ECB series 1
H2 2024188.4 million transactions ECB series 1
H1 2025172.4 million transactions ECB series 1
H2 2025 (provisional)176.6 million transactions ECB series 1
334.5 million transactions ECB series 1

4 of 25

Cash withdrawals with cards history
PeriodValue and caveat
H1 2022318.5 million transactions ECB series 1
H2 2022325.2 million transactions ECB series 1
H1 2023340.1 million transactions ECB series 1
H2 2023342.6 million transactions ECB series 1
H1 2024327.5 million transactions ECB series 1
H2 2024291.6 million transactions ECB series 1
H1 2025328.7 million transactions ECB series 1
H2 2025 (provisional)334.5 million transactions ECB series 1
Spain has the higher value
Card cash withdrawals per 100 card payments11.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

2 of 25

Card cash withdrawals per 100 card payments history
PeriodValue and caveat
H1 202215.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202214.7 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202314.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202313.3 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202412.3 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202411.3 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202511.6 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)11.2 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
PeriodValue and caveat
H1 20227.5 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20226.7 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20236.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20236.3 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20245.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20244.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20255.3 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
Portugal has the higher value
Card payments per inhabitant (ECB)145.4 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

12 of 25

Card payments per inhabitant (ECB) history
PeriodValue and caveat
H1 2022104.9 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 2022116.8 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023115.0 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 2023124.3 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
H1 2024139.8 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 2024154.9 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 2025137.5 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
H2 2025 (provisional)145.4 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
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
PeriodValue and caveat
H1 202290.3 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 2022100.9 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 2023101.8 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 2023112.7 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 2024114.0 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 2024125.1 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 2025125.4 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
Portugal has the higher value
Direct debits (payer side)176.5 million transactions ECB series 1

8 of 23

Direct debits (payer side) history
PeriodValue and caveat
H1 2022146.3 million transactions ECB series 1
H2 2022154.1 million transactions ECB series 1
H1 2023167.0 million transactions ECB series 1
H2 2023172.2 million transactions ECB series 1
H1 2024174.7 million transactions ECB series 1
H2 2024182.3 million transactions ECB series 1
H1 2025174.8 million transactions ECB series 1
H2 2025 (provisional)176.5 million transactions ECB series 1
1,154.8 million transactions ECB series 1

3 of 23

Direct debits (payer side) history
PeriodValue and caveat
H1 20221,103.4 million transactions ECB series 1
H2 20221,111.1 million transactions ECB series 1
H1 20231,123.0 million transactions ECB series 1
H2 20231,118.0 million transactions ECB series 1
H1 20241,128.5 million transactions ECB series 1
H2 20241,142.2 million transactions ECB series 1
H1 20251,134.5 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), value28,283.5 EUR million ECB series 1

9 of 23

Direct debits (payer side), value history
PeriodValue and caveat
H1 202221,939.0 EUR million ECB series 1
H2 202224,225.5 EUR million ECB series 1
H1 202326,602.4 EUR million ECB series 1
H2 202328,190.5 EUR million ECB series 1
H1 202429,658.9 EUR million ECB series 1
H2 202431,716.5 EUR million ECB series 1
H1 202528,910.3 EUR million ECB series 1
H2 2025 (provisional)28,283.5 EUR million ECB series 1
395,127.9 EUR million ECB series 1

3 of 23

Direct debits (payer side), value history
PeriodValue and caveat
H1 2022334,129.7 EUR million ECB series 1
H2 2022359,208.7 EUR million ECB series 1
H1 2023356,397.0 EUR million ECB series 1
H2 2023360,200.4 EUR million ECB series 1
H1 2024356,830.4 EUR million ECB series 1
H2 2024376,052.0 EUR million ECB series 1
H1 2025376,168.8 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), value0.0 EUR million ECB series 1

6 of 17

Fraudulent direct debits (payee side), value history
PeriodValue and caveat
H1 20220.1 EUR million ECB series 1
H2 20220.1 EUR million ECB series 1
H1 20230.1 EUR million ECB series 1
H2 20230.1 EUR million ECB series 1
H1 20240.0 EUR million ECB series 1
H2 20240.1 EUR million ECB series 1
H1 20250.0 EUR million ECB series 1
H2 2025 (provisional)0.0 EUR million ECB series 1
2.9 EUR million ECB series 1

2 of 17

Fraudulent direct debits (payee side), value history
PeriodValue and caveat
H1 20222.0 EUR million ECB series 1
H2 20221.6 EUR million ECB series 1
H1 20231.6 EUR million ECB series 1
H2 20231.6 EUR million ECB series 1
H1 20242.1 EUR million ECB series 1
H2 20242.1 EUR million ECB series 1
H1 20253.2 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)0.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

6 of 17

Direct debit fraud rate (payee side) history
PeriodValue and caveat
H1 20220.03 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20220.03 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20230.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20230.05 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20240.01 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20240.03 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)0.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
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
PeriodValue and caveat
H1 20220.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20220.05 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20230.05 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20230.05 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20240.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20240.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.09 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 payments61.1 million transactions ECB series 1

7 of 23

E-money payments history
PeriodValue and caveat
H1 202240.5 million transactions ECB series 1
H2 202245.0 million transactions ECB series 1
H1 202346.1 million transactions ECB series 1
H2 202345.6 million transactions ECB series 1
H1 202446.5 million transactions ECB series 1
H2 202449.7 million transactions ECB series 1
H1 202553.6 million transactions ECB series 1
H2 2025 (provisional)61.1 million transactions ECB series 1
175.1 million transactions ECB series 1

4 of 23

E-money payments history
PeriodValue and caveat
H1 202283.2 million transactions ECB series 1
H2 202287.7 million transactions ECB series 1
H1 2023101.1 million transactions ECB series 1
H2 2023116.9 million transactions ECB series 1
H1 2024132.3 million transactions ECB series 1
H2 2024148.4 million transactions ECB series 1
H1 2025156.5 million transactions ECB series 1
H2 2025 (provisional)175.1 million transactions ECB series 1
Spain has the higher value
E-money payments, value2,181.3 EUR million ECB series 1

9 of 22

E-money payments, value history
PeriodValue and caveat
H1 2022987.1 EUR million ECB series 1
H2 20221,200.5 EUR million ECB series 1
H1 20231,099.5 EUR million ECB series 1
H2 20231,102.2 EUR million ECB series 1
H1 20241,197.9 EUR million ECB series 1
H2 20241,404.2 EUR million ECB series 1
H1 20251,477.9 EUR million ECB series 1
H2 2025 (provisional)2,181.3 EUR million ECB series 1
9,002.0 EUR million ECB series 1

7 of 22

E-money payments, value history
PeriodValue and caveat
H1 20223,798.3 EUR million ECB series 1
H2 20224,108.0 EUR million ECB series 1
H1 20234,323.3 EUR million ECB series 1
H2 20235,601.5 EUR million ECB series 1
H1 20246,889.1 EUR million ECB series 1
H2 20247,680.8 EUR million ECB series 1
H1 20258,073.6 EUR million ECB series 1
H2 2025 (provisional)9,002.0 EUR million ECB series 1
Spain has the higher value
E-money payment fraud rate0.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

12 of 15

E-money payment fraud rate history
PeriodValue and caveat
H1 20220.22 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20220.09 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20230.13 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20230.13 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20240.10 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20240.11 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.03 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)0.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
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
PeriodValue and caveat
H1 20223.38 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20222.79 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20232.37 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20232.51 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20242.26 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20241.74 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20251.89 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
Spain has the higher value
ATMs per million inhabitants (ECB)1,264.6 terminals per million inhabitants ECB series 1

1 of 12

ATMs per million inhabitants (ECB) history
PeriodValue and caveat
H1 20251,264.3 terminals per million inhabitants ECB series 1
H2 2025 (provisional)1,264.6 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 terminals91.6 % 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

22 of 25

Contactless-enabled share of EFTPOS terminals history
PeriodValue and caveat
H1 202597.9 % 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)91.6 % 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
PeriodValue and caveat
H1 202596.9 % 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)0.9 cards per inhabitant ECB series 1

1 of 9

Credit cards per inhabitant (ECB) history
PeriodValue and caveat
H1 20250.9 cards per inhabitant ECB series 1
H2 2025 (provisional)0.9 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)173.7 million transactions ECB series 1

5 of 20

ATM cash withdrawals at home (resident cards) history
PeriodValue and caveat
H1 2025169.8 million transactions ECB series 1
H2 2025 (provisional)173.7 million transactions ECB series 1
345.9 million transactions ECB series 1

4 of 20

ATM cash withdrawals at home (resident cards) history
PeriodValue and caveat
H1 2025Not published by the ECB for this country/period ECB series 1
H2 2025 (provisional)345.9 million transactions ECB series 1
Spain has the higher value
ATM cash withdrawals at home, value14,434.2 EUR million ECB series 1

7 of 16

ATM cash withdrawals at home, value history
PeriodValue and caveat
H1 202513,384.4 EUR million ECB series 1
H2 2025 (provisional)14,434.2 EUR million ECB series 1
70,974.3 EUR million ECB series 1

3 of 16

ATM cash withdrawals at home, value history
PeriodValue and caveat
H1 2025Not published by the ECB for this country/period ECB series 1
H2 2025 (provisional)70,974.3 EUR million ECB series 1
Spain has the higher value
Average ATM withdrawal83.07 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

15 of 15

Average ATM withdrawal history
PeriodValue and caveat
H1 202578.82 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)83.07 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
PeriodValue and caveat
H1 2025Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)205.20 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Spain has the higher value
TIPS instant-settlement transactions10.7 million transactions ECB series 1

6 of 18

TIPS instant-settlement transactions history
PeriodValue and caveat
H1 20252.3 million transactions ECB series 1
H2 2025 (provisional)10.7 million transactions ECB series 1
4.2 million transactions ECB series 1

9 of 18

TIPS instant-settlement transactions history
PeriodValue and caveat
H1 20253.3 million transactions ECB series 1
H2 2025 (provisional)4.2 million transactions ECB series 1
Portugal has the higher value
TIPS instant-settlement value16,850.4 EUR million ECB series 1

5 of 15

TIPS instant-settlement value history
PeriodValue and caveat
H1 20254,842.3 EUR million ECB series 1
H2 2025 (provisional)16,850.4 EUR million ECB series 1
6,711.9 EUR million ECB series 1

9 of 15

TIPS instant-settlement value history
PeriodValue and caveat
H1 20253,833.3 EUR million ECB series 1
H2 2025 (provisional)6,711.9 EUR million ECB series 1
Portugal 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
PeriodValue and caveat
H1 20250.0 million transactions ECB series 1
H2 2025 (provisional)0.0 million transactions ECB series 1
No comparable published values
T2 (TARGET) transactionsNot published by the ECB for this country/period ECB series 1

Unranked

4.1 million transactions ECB series 1

4 of 16

T2 (TARGET) transactions history
PeriodValue and caveat
H1 20253.9 million transactions ECB series 1
H2 2025 (provisional)4.1 million transactions ECB series 1
No comparable published values
Payments initiated by payment-initiation servicesNot 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
PeriodValue and caveat
H1 20220.2 million transactions ECB series 1
H2 20220.3 million transactions ECB series 1
H1 20230.3 million transactions ECB series 1
H2 20230.4 million transactions ECB series 1
H1 20240.5 million transactions ECB series 1
H2 20241.0 million transactions ECB series 1
H1 20251.0 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, valueNot 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
PeriodValue and caveat
H1 2022236.5 EUR million ECB series 1
H2 2022390.1 EUR million ECB series 1
H1 2023454.8 EUR million ECB series 1
H2 2023608.5 EUR million ECB series 1
H1 2024679.4 EUR million ECB series 1
H2 20241,117.0 EUR million ECB series 1
H1 20251,675.6 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 paymentsNot 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
PeriodValue and caveat
H1 202298.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202298.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
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.