Cyprus payments

Cyprus payments: SEPA Instant share of credit transfers (number), H2 2025 (provisional) — SEPA Instant share of credit transfers (number): Cyprus: 6.3 % (rank 19 of 25). 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)
MetricCyprus
Credit transfers sent27.8 million transactions ECB series 1

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Credit transfers sent history
PeriodValue and caveat
H1 202218.0 million transactions ECB series 1
H2 202220.0 million transactions ECB series 1
H1 202321.1 million transactions ECB series 1
H2 202322.7 million transactions ECB series 1
H1 202423.7 million transactions ECB series 1
H2 202425.8 million transactions ECB series 1
H1 202525.7 million transactions ECB series 1
H2 2025 (provisional)27.8 million transactions ECB series 1
Credit transfers sent, value125,187.5 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 202287,165.7 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 202292,936.2 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 202387,740.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2023105,231.0 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 202495,821.2 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2024113,453.7 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2025115,647.3 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2025 (provisional)125,187.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
SEPA Instant credit transfers sent1.8 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 20220.0 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 20220.0 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 20230.2 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
H2 20230.2 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H1 20240.3 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 20240.7 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 20251.2 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
H2 2025 (provisional)1.8 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
SEPA Instant credit transfers sent, value2,671.4 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1

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SEPA Instant credit transfers sent, value history
PeriodValue and caveat
H1 202241.0 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 202271.3 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
H1 2023110.5 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 2023153.6 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 2024221.2 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 2024708.5 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H1 20251,393.9 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 2025 (provisional)2,671.4 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
SEPA (non-instant) credit transfers sent5.6 million transactions ECB series 1

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SEPA (non-instant) credit transfers sent history
PeriodValue and caveat
H1 20225.1 million transactions ECB series 1
H2 20225.4 million transactions ECB series 1
H1 20235.8 million transactions ECB series 1
H2 20235.9 million transactions ECB series 1
H1 20246.2 million transactions ECB series 1
H2 20246.2 million transactions ECB series 1
H1 20255.6 million transactions ECB series 1
H2 2025 (provisional)5.6 million transactions ECB series 1
SEPA Instant share of credit transfers (number)6.3 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2

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SEPA Instant share of credit transfers (number) history
PeriodValue and caveat
H1 20220.1 % 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 20220.2 % 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 20230.8 % 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 20231.1 % 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 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
H2 20242.6 % 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 20254.5 % 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 2025 (provisional)6.3 % 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
SEPA Instant share of credit transfers (value)2.1 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2

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SEPA Instant share of credit transfers (value) history
PeriodValue and caveat
H1 20220.0 % 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 20220.1 % 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 20230.1 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 20230.1 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H1 20240.2 % 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 20240.6 % 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 20251.2 % 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)2.1 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
Cross-border share of credit transfers (number)7.6 % 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 20226.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20226.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20237.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20237.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20246.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20247.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20257.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)7.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Remotely initiated share of electronic credit transfers100.0 % 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 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 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
Strong customer authentication on remote credit transfers67.0 % 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 202258.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202264.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202365.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202365.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202466.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202466.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202566.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)67.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
E-commerce credit transfers0.0 million transactions ECB series 1

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E-commerce credit transfers history
PeriodValue and caveat
H1 20220.0 million transactions ECB series 1
H2 20220.0 million transactions ECB series 1
H1 20230.0 million transactions ECB series 1
H2 20230.0 million transactions ECB series 1
H1 20240.0 million transactions ECB series 1
H2 20240.0 million transactions ECB series 1
H1 20250.0 million transactions ECB series 1
H2 2025 (provisional)0.0 million transactions ECB series 1
Credit transfers via mobile payment solutions5.4 million transactions ECB series 1

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Credit transfers via mobile payment solutions history
PeriodValue and caveat
H1 20220.2 million transactions ECB series 1
H2 20220.2 million transactions ECB series 1
H1 20230.3 million transactions ECB series 1
H2 20230.6 million transactions ECB series 1
H1 20244.5 million transactions ECB series 1
H2 20244.9 million transactions ECB series 1
H1 20255.0 million transactions ECB series 1
H2 2025 (provisional)5.4 million transactions ECB series 1
Person-to-person mobile credit transfers0.0 million transactions ECB series 1

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Person-to-person mobile credit transfers history
PeriodValue and caveat
H1 20220.0 million transactions ECB series 1
H2 20220.0 million transactions ECB series 1
H1 20230.0 million transactions ECB series 1
H2 20230.0 million transactions ECB series 1
H1 20240.0 million transactions ECB series 1
H2 20240.0 million transactions ECB series 1
H1 20250.0 million transactions ECB series 1
H2 2025 (provisional)0.0 million transactions ECB series 1
Credit transfers initiated by payment initiation services0.0 million transactions ECB series 1

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Credit transfers initiated by payment initiation services history
PeriodValue and caveat
H1 20220.0 million transactions ECB series 1
H2 20220.0 million transactions ECB series 1
H1 20230.0 million transactions ECB series 1
H2 20230.0 million transactions ECB series 1
H1 20240.0 million transactions ECB series 1
H2 20240.0 million transactions ECB series 1
H1 20250.0 million transactions ECB series 1
H2 2025 (provisional)0.0 million transactions ECB series 1
Fraudulent credit transfers, value2.0 EUR million ECB series 1

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Fraudulent credit transfers, value history
PeriodValue and caveat
H1 20221.7 EUR million ECB series 1
H2 20222.0 EUR million ECB series 1
H1 20231.4 EUR million ECB series 1
H2 20231.4 EUR million ECB series 1
H1 20241.0 EUR million ECB series 1
H2 20241.8 EUR million ECB series 1
H1 20252.1 EUR million ECB series 1
H2 2025 (provisional)2.0 EUR million ECB series 1
Credit transfer fraud rate0.16 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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Credit transfer fraud rate history
PeriodValue and caveat
H1 20220.19 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20220.22 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20230.16 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 20240.16 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)0.16 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Credit transfers per inhabitant (ECB)27.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1

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Credit transfers per inhabitant (ECB) history
PeriodValue and caveat
H1 202219.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202221.2 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202322.1 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202323.6 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202424.4 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202426.3 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202526.0 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2025 (provisional)27.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
Average credit transfer (incl. large-value)4,510.57 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2

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Average credit transfer (incl. large-value) history
PeriodValue and caveat
H1 20224,833.83 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 20224,639.63 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 20234,161.35 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 20234,628.84 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 20244,038.22 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 20244,402.71 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 20254,495.97 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2025 (provisional)4,510.57 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
Card payments (issuer side)131.4 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

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Card payments (issuer side) history
PeriodValue and caveat
H1 202279.3 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202294.9 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 2023100.3 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023110.9 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 2024110.4 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 2024120.2 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 2025119.4 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)131.4 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
Card payments, value8,663.2 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

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Card payments, value history
PeriodValue and caveat
H1 20225,162.5 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 20226,270.5 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20236,366.5 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 20237,008.4 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 20246,813.5 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 20247,782.8 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 20257,699.9 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)8,663.2 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
Average card payment65.93 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

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Average card payment history
PeriodValue and caveat
H1 202265.06 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 202266.05 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202363.47 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 202363.19 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 202461.73 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 202464.77 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202564.50 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)65.93 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Contactless card payments61.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

24 of 25

Contactless card payments history
PeriodValue and caveat
H1 202229.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202236.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202338.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202346.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202448.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202453.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202552.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)61.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Contactless card payments, value2,146.0 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

24 of 25

Contactless card payments, value history
PeriodValue and caveat
H1 20221,105.7 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20221,423.2 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20231,360.1 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20231,696.3 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20241,670.7 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20241,894.4 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20251,784.1 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)2,146.0 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Contactless share of card payments (number)46.7 % 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

24 of 25

Contactless share of card payments (number) history
PeriodValue and caveat
H1 202237.4 % 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 202238.8 % 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 202338.0 % 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 202342.3 % 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 202444.0 % 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 202444.8 % 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 202544.0 % 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)46.7 % 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
Contactless share of card payments (value)24.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

22 of 25

Contactless share of card payments (value) history
PeriodValue and caveat
H1 202221.4 % 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 202222.7 % 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 202321.4 % 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 202324.2 % 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 202424.5 % 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 202424.3 % 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 202523.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)24.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
NFC card payments60.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

24 of 25

NFC card payments history
PeriodValue and caveat
H1 202228.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202235.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202336.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202345.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202447.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202452.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202552.4 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)60.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
NFC share of contactless payments98.9 % 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

14 of 25

NFC share of contactless payments history
PeriodValue and caveat
H1 202295.4 % 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 202296.5 % 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 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
H2 202397.2 % 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 202497.2 % 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 202497.3 % 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 202599.9 % 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)98.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Remote (online) share of card payments30.4 % 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

4 of 25

Remote (online) share of card payments history
PeriodValue and caveat
H1 202227.1 % 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 202227.2 % 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 202327.9 % 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 202429.0 % 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 202428.9 % 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 202530.5 % 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)30.4 % 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
Card payments via mobile payment solutions15.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

20 of 24

Card payments via mobile payment solutions history
PeriodValue and caveat
H1 20222.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20223.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20236.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20236.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20249.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202410.7 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202512.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)15.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Share of card payments at terminals abroad26.8 % 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

5 of 25

Share of card payments at terminals abroad history
PeriodValue and caveat
H1 202221.0 % 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 202222.8 % 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 202322.9 % 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 202322.5 % 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 202422.8 % 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 202423.6 % 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 202525.8 % 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)26.8 % 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
Strong customer authentication on remote card payments37.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

15 of 25

Strong customer authentication on remote card payments history
PeriodValue and caveat
H1 202227.4 % 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 202238.4 % 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 202331.6 % 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 202333.9 % 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 202435.4 % 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 202437.5 % 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 202534.4 % 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)37.4 % 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
Fraudulent card payments (issuer side), value2.5 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

16 of 20

Fraudulent card payments (issuer side), value history
PeriodValue and caveat
H1 20220.4 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 20220.9 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 20231.1 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 20231.0 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 20241.1 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 20241.3 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 20251.8 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)2.5 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
Card payment fraud rate (issuer side)2.91 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

6 of 20

Card payment fraud rate (issuer side) history
PeriodValue and caveat
H1 20220.81 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 20221.49 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 20231.77 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 20231.36 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 20241.68 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 20241.67 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 20252.31 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
H2 2025 (provisional)2.91 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Cash withdrawals with cards6.8 million transactions ECB series 1

24 of 25

Cash withdrawals with cards history
PeriodValue and caveat
H1 20228.0 million transactions ECB series 1
H2 20228.3 million transactions ECB series 1
H1 20237.7 million transactions ECB series 1
H2 20237.9 million transactions ECB series 1
H1 20247.3 million transactions ECB series 1
H2 20247.4 million transactions ECB series 1
H1 20256.7 million transactions ECB series 1
H2 2025 (provisional)6.8 million transactions ECB series 1
Card cash withdrawals per 100 card payments5.1 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

12 of 25

Card cash withdrawals per 100 card payments history
PeriodValue and caveat
H1 202210.1 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20228.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20237.7 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20237.1 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20246.6 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20246.1 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20255.6 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)5.1 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Card payments per inhabitant (ECB)132.0 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

14 of 25

Card payments per inhabitant (ECB) history
PeriodValue and caveat
H1 202286.4 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 2022100.3 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 2023105.0 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 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
H1 2024113.5 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 2024122.4 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
H1 2025120.8 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 2025 (provisional)132.0 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
Direct debits (payer side)11.1 million transactions ECB series 1

17 of 23

Direct debits (payer side) history
PeriodValue and caveat
H1 20223.6 million transactions ECB series 1
H2 20223.9 million transactions ECB series 1
H1 20233.8 million transactions ECB series 1
H2 20234.5 million transactions ECB series 1
H1 20244.5 million transactions ECB series 1
H2 20246.3 million transactions ECB series 1
H1 202511.9 million transactions ECB series 1
H2 2025 (provisional)11.1 million transactions ECB series 1
Direct debits (payer side), value1,768.1 EUR million ECB series 1

19 of 23

Direct debits (payer side), value history
PeriodValue and caveat
H1 20221,075.0 EUR million ECB series 1
H2 20221,279.8 EUR million ECB series 1
H1 20231,379.3 EUR million ECB series 1
H2 20231,570.4 EUR million ECB series 1
H1 20241,413.2 EUR million ECB series 1
H2 20241,600.1 EUR million ECB series 1
H1 20251,649.7 EUR million ECB series 1
H2 2025 (provisional)1,768.1 EUR million ECB series 1
Fraudulent direct debits (payee side), value0.0 EUR million ECB series 1

8 of 17

Fraudulent direct debits (payee side), value history
PeriodValue and caveat
H1 20220.0 EUR million ECB series 1
H2 20220.0 EUR million ECB series 1
H1 20230.0 EUR million ECB series 1
H2 20230.0 EUR million ECB series 1
H1 20240.0 EUR million ECB series 1
H2 20240.0 EUR million ECB series 1
H1 20250.0 EUR million ECB series 1
H2 2025 (provisional)0.0 EUR million ECB series 1
Direct debit fraud rate (payee side)0.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

8 of 17

Direct debit fraud rate (payee side) history
PeriodValue and caveat
H1 20220.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20220.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20230.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20230.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20240.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20240.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.00 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
E-money payments5.2 million transactions ECB series 1

17 of 23

E-money payments history
PeriodValue and caveat
H1 20223.6 million transactions ECB series 1
H2 20224.2 million transactions ECB series 1
H1 20234.3 million transactions ECB series 1
H2 20235.2 million transactions ECB series 1
H1 20245.7 million transactions ECB series 1
H2 20245.8 million transactions ECB series 1
H1 20255.1 million transactions ECB series 1
H2 2025 (provisional)5.2 million transactions ECB series 1
E-money payments, value3,113.3 EUR million ECB series 1

8 of 22

E-money payments, value history
PeriodValue and caveat
H1 20222,729.3 EUR million ECB series 1
H2 20222,923.8 EUR million ECB series 1
H1 20232,706.1 EUR million ECB series 1
H2 20233,099.8 EUR million ECB series 1
H1 20243,150.3 EUR million ECB series 1
H2 20243,261.5 EUR million ECB series 1
H1 20253,138.4 EUR million ECB series 1
H2 2025 (provisional)3,113.3 EUR million ECB series 1
E-money payment fraud rate0.13 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

8 of 15

E-money payment 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 20220.07 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 20230.09 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20240.09 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20240.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.13 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)0.13 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Contactless-enabled share of EFTPOS terminals100.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

1 of 25

Contactless-enabled share of EFTPOS terminals history
PeriodValue and caveat
H1 2025100.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)100.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
ATM cash withdrawals at home (resident cards)4.5 million transactions ECB series 1

18 of 20

ATM cash withdrawals at home (resident cards) history
PeriodValue and caveat
H1 20256.3 million transactions ECB series 1
H2 2025 (provisional)4.5 million transactions ECB series 1
ATM cash withdrawals at home, value1,731.8 EUR million ECB series 1

14 of 16

ATM cash withdrawals at home, value history
PeriodValue and caveat
H1 20252,375.1 EUR million ECB series 1
H2 2025 (provisional)1,731.8 EUR million ECB series 1
ATM cash withdrawals abroad (resident cards)0.0 million transactions ECB series 1

6 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
Average ATM withdrawal388.19 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

1 of 15

Average ATM withdrawal history
PeriodValue and caveat
H1 2025376.21 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)388.19 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
TIPS instant-settlement transactionsNot published by the ECB for this country/period ECB series 1

Unranked

TIPS instant-settlement transactions history
PeriodValue and caveat
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
TIPS instant-settlement valueNot published by the ECB for this country/period ECB series 1

Unranked

TIPS instant-settlement value history
PeriodValue and caveat
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
T2 (TARGET) transactions0.0 million transactions ECB series 1

15 of 16

T2 (TARGET) transactions history
PeriodValue and caveat
H1 20250.1 million transactions ECB series 1
H2 2025 (provisional)0.0 million transactions ECB series 1
Payments initiated by payment-initiation services0.0 million transactions ECB series 1

9 of 9

Payments initiated by payment-initiation services history
PeriodValue and caveat
H1 20220.0 million transactions ECB series 1
H2 20220.0 million transactions ECB series 1
H1 2023Not published by the ECB for this country/period ECB series 1
H2 20230.0 million transactions ECB series 1
H1 20240.0 million transactions ECB series 1
H2 20240.0 million transactions ECB series 1
H1 20250.0 million transactions ECB series 1
H2 2025 (provisional)0.0 million transactions ECB series 1
Payments initiated by payment-initiation services, value0.0 EUR million ECB series 1

10 of 10

Payments initiated by payment-initiation services, value history
PeriodValue and caveat
H1 20220.0 EUR million ECB series 1
H2 20220.0 EUR million ECB series 1
H1 2023Not published by the ECB for this country/period ECB series 1
H2 20230.0 EUR million ECB series 1
H1 20240.0 EUR million ECB series 1
H2 20240.0 EUR million ECB series 1
H1 20250.0 EUR million ECB series 1
H2 2025 (provisional)0.0 EUR million ECB series 1
Strong customer authentication on remote payment-initiation payments61.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

7 of 7

Strong customer authentication on remote payment-initiation payments 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 2023Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202356.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202475.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202481.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202547.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)61.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2