European Union payments

European Union payments: SEPA Instant share of credit transfers (number), H2 2025 (provisional) — SEPA Instant share of credit transfers (number): European Union: 13.8 %. 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)
MetricEuropean Union
Credit transfers sent22,443.1 million transactions ECB series 1

ECB aggregate — unranked

Credit transfers sent history
PeriodValue and caveat
H1 202214,835.9 million transactions ECB series 1
H2 202215,606.3 million transactions ECB series 1
H1 202318,415.4 million transactions ECB series 1
H2 202319,218.6 million transactions ECB series 1
H1 202419,712.1 million transactions ECB series 1
H2 202420,526.0 million transactions ECB series 1
H1 202520,990.4 million transactions ECB series 1
H2 2025 (provisional)22,443.1 million transactions ECB series 1
Credit transfers sent, value124,439,941.0 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1

ECB aggregate — unranked

Credit transfers sent, value history
PeriodValue and caveat
H1 2022116,610,398.8 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2022119,685,998.2 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2023118,175,779.1 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2023118,494,257.9 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2024118,717,048.3 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2024122,534,086.8 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 2025122,925,505.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2025 (provisional)124,439,941.0 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 sent3,089.2 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

ECB aggregate — unranked

SEPA Instant credit transfers sent history
PeriodValue and caveat
H1 2022930.5 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 20221,157.9 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 20231,316.7 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 20231,509.0 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 20241,668.1 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 20241,915.2 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 20252,460.7 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 2025 (provisional)3,089.2 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
SEPA Instant credit transfers sent, value2,266,923.0 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

ECB aggregate — unranked

SEPA Instant credit transfers sent, value history
PeriodValue and caveat
H1 2022640,695.6 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 2022770,345.8 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H1 2023828,469.7 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 2023926,864.3 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 20241,005,553.7 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 20241,124,084.9 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H1 20251,496,757.0 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 2025 (provisional)2,266,923.0 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
SEPA (non-instant) credit transfers sent9,343.2 million transactions ECB series 1

ECB aggregate — unranked

SEPA (non-instant) credit transfers sent history
PeriodValue and caveat
H1 20228,684.8 million transactions ECB series 1
H2 20228,849.8 million transactions ECB series 1
H1 20239,115.1 million transactions ECB series 1
H2 20239,143.2 million transactions ECB series 1
H1 20249,342.2 million transactions ECB series 1
H2 20249,620.9 million transactions ECB series 1
H1 20259,281.7 million transactions ECB series 1
H2 2025 (provisional)9,343.2 million transactions ECB series 1
SEPA Instant share of credit transfers (number)13.8 % 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

ECB aggregate — unranked

SEPA Instant share of credit transfers (number) history
PeriodValue and caveat
H1 20226.3 % 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 20227.4 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H1 20237.1 % 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 20237.9 % 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 20248.5 % 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 20249.3 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H1 202511.7 % 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)13.8 % 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
SEPA Instant share of credit transfers (value)1.8 % 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

ECB aggregate — unranked

SEPA Instant share of credit transfers (value) history
PeriodValue and caveat
H1 20220.5 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 20220.6 % 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 20230.7 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 20230.8 % 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 20240.8 % 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 20240.9 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H1 20251.2 % 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)1.8 % 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
Cross-border share of credit transfers (number)Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

ECB aggregate — unranked

Cross-border share of credit transfers (number) history
PeriodValue and caveat
H1 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2023Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Remotely initiated share of electronic credit transfers97.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

ECB aggregate — unranked

Remotely initiated share of electronic credit transfers history
PeriodValue and caveat
H1 2022Withheld: 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 2022Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202397.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202397.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202497.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202497.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202598.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)97.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Strong customer authentication on remote credit transfers70.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

ECB aggregate — unranked

Strong customer authentication on remote credit transfers history
PeriodValue and caveat
H1 202271.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202270.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202370.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202370.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202469.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202469.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202570.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)70.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
E-commerce credit transfers1,315.8 million transactions ECB series 1

ECB aggregate — unranked

E-commerce credit transfers history
PeriodValue and caveat
H1 20221,019.7 million transactions ECB series 1
H2 20221,114.0 million transactions ECB series 1
H1 20231,147.0 million transactions ECB series 1
H2 20231,191.0 million transactions ECB series 1
H1 20241,204.6 million transactions ECB series 1
H2 20241,231.8 million transactions ECB series 1
H1 20251,207.1 million transactions ECB series 1
H2 2025 (provisional)1,315.8 million transactions ECB series 1
Credit transfers via mobile payment solutions4,291.0 million transactions ECB series 1

ECB aggregate — unranked

Credit transfers via mobile payment solutions history
PeriodValue and caveat
H1 20221,478.2 million transactions ECB series 1
H2 20221,769.1 million transactions ECB series 1
H1 20232,662.6 million transactions ECB series 1
H2 20232,747.8 million transactions ECB series 1
H1 20243,044.9 million transactions ECB series 1
H2 20243,319.0 million transactions ECB series 1
H1 20253,602.4 million transactions ECB series 1
H2 2025 (provisional)4,291.0 million transactions ECB series 1
Person-to-person mobile credit transfers1,786.4 million transactions ECB series 1

ECB aggregate — unranked

Person-to-person mobile credit transfers history
PeriodValue and caveat
H1 2022457.4 million transactions ECB series 1
H2 2022672.8 million transactions ECB series 1
H1 20231,055.7 million transactions ECB series 1
H2 20231,120.6 million transactions ECB series 1
H1 20241,291.5 million transactions ECB series 1
H2 20241,480.1 million transactions ECB series 1
H1 20251,573.7 million transactions ECB series 1
H2 2025 (provisional)1,786.4 million transactions ECB series 1
Credit transfers initiated by payment initiation services282.2 million transactions ECB series 1

ECB aggregate — unranked

Credit transfers initiated by payment initiation services history
PeriodValue and caveat
H1 2022146.9 million transactions ECB series 1
H2 2022170.3 million transactions ECB series 1
H1 2023222.6 million transactions ECB series 1
H2 2023256.5 million transactions ECB series 1
H1 2024247.4 million transactions ECB series 1
H2 2024261.2 million transactions ECB series 1
H1 2025262.1 million transactions ECB series 1
H2 2025 (provisional)282.2 million transactions ECB series 1
Fraudulent credit transfers, value1,409.6 EUR million ECB series 1

ECB aggregate — unranked

Fraudulent credit transfers, value history
PeriodValue and caveat
H1 2022728.6 EUR million ECB series 1
H2 2022755.4 EUR million ECB series 1
H1 2023848.2 EUR million ECB series 1
H2 20231,003.0 EUR million ECB series 1
H1 20241,035.3 EUR million ECB series 1
H2 20241,223.4 EUR million ECB series 1
H1 20251,217.3 EUR million ECB series 1
H2 2025 (provisional)1,409.6 EUR million ECB series 1
Credit transfer fraud rate0.11 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

ECB aggregate — unranked

Credit transfer fraud rate history
PeriodValue and caveat
H1 20220.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20220.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20230.07 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20230.08 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 20240.10 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.10 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)0.11 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Credit transfers per inhabitant (ECB)Not published by the ECB for this country/period Per half-year, as published by the ECB. ECB series 1

ECB aggregate — unranked

Credit transfers per inhabitant (ECB) history
PeriodValue and caveat
H1 202233.0 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202235.0 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202341.0 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202342.7 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202444.5 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202445.8 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202546.6 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
Average credit transfer (incl. large-value)5,544.68 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

ECB aggregate — unranked

Average credit transfer (incl. large-value) history
PeriodValue and caveat
H1 20227,860.03 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 20227,669.06 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 20236,417.24 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 20236,165.60 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 20246,022.53 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 20245,969.70 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 20255,856.27 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)5,544.68 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)58,285.4 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

ECB aggregate — unranked

Card payments (issuer side) history
PeriodValue and caveat
H1 202553,539.7 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 2025 (provisional)58,285.4 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, value2,084,256.7 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

ECB aggregate — unranked

Card payments, value history
PeriodValue and caveat
H1 20251,898,212.8 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)2,084,256.7 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
Average card payment35.76 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

ECB aggregate — unranked

Average card payment history
PeriodValue and caveat
H1 202535.45 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)35.76 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 payments, value1,053,813.4 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

ECB aggregate — unranked

Contactless card payments, value history
PeriodValue and caveat
H1 2025933,258.0 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)1,053,813.4 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)Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

ECB aggregate — unranked

Contactless share of card payments (number) history
PeriodValue and caveat
H1 2025Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Contactless share of card payments (value)50.6 % 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

ECB aggregate — unranked

Contactless share of card payments (value) history
PeriodValue and caveat
H1 202549.2 % 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)50.6 % 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
NFC card payments37,317.7 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

ECB aggregate — unranked

NFC card payments history
PeriodValue and caveat
H1 202533,775.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)37,317.7 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 paymentsNot published by the ECB for this country/period Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

ECB aggregate — unranked

NFC share of contactless payments history
PeriodValue and caveat
H1 2025Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Remote (online) share of card payments18.6 % 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

ECB aggregate — unranked

Remote (online) share of card payments history
PeriodValue and caveat
H1 202518.2 % 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)18.6 % 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
Card payments via mobile payment solutions2,941.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

ECB aggregate — unranked

Card payments via mobile payment solutions history
PeriodValue and caveat
H1 20252,411.7 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)2,941.1 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 abroadNot published by the ECB for this country/period Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

ECB aggregate — unranked

Share of card payments at terminals abroad history
PeriodValue and caveat
H1 2025Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Strong customer authentication on remote card payments43.5 % 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

ECB aggregate — unranked

Strong customer authentication on remote card payments history
PeriodValue and caveat
H1 202542.7 % 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)43.5 % 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
Card payment fraud rate (issuer side)Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

ECB aggregate — unranked

Card payment fraud rate (issuer side) history
PeriodValue and caveat
H1 2025Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Card cash withdrawals per 100 card paymentsNot published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

ECB aggregate — unranked

Card cash withdrawals per 100 card payments 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)Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Direct debits (payer side)15,571.0 million transactions ECB series 1

ECB aggregate — unranked

Direct debits (payer side) history
PeriodValue and caveat
H1 202212,093.0 million transactions ECB series 1
H2 202212,828.5 million transactions ECB series 1
H1 202313,169.5 million transactions ECB series 1
H2 202313,858.9 million transactions ECB series 1
H1 202414,127.4 million transactions ECB series 1
H2 202414,762.4 million transactions ECB series 1
H1 202514,856.9 million transactions ECB series 1
H2 2025 (provisional)15,571.0 million transactions ECB series 1
Direct debits (payer side), value6,152,605.5 EUR million ECB series 1

ECB aggregate — unranked

Direct debits (payer side), value history
PeriodValue and caveat
H1 20225,527,470.0 EUR million ECB series 1
H2 20225,706,682.2 EUR million ECB series 1
H1 20235,477,044.9 EUR million ECB series 1
H2 20235,626,741.3 EUR million ECB series 1
H1 20245,501,324.3 EUR million ECB series 1
H2 20245,879,518.2 EUR million ECB series 1
H1 20256,324,681.5 EUR million ECB series 1
H2 2025 (provisional)6,152,605.5 EUR million ECB series 1
Fraudulent direct debits (payee side), value20.1 EUR million ECB series 1

ECB aggregate — unranked

Fraudulent direct debits (payee side), value history
PeriodValue and caveat
H1 202218.7 EUR million ECB series 1
H2 202242.3 EUR million ECB series 1
H1 202324.3 EUR million ECB series 1
H2 2023117.8 EUR million ECB series 1
H1 202464.0 EUR million ECB series 1
H2 202450.6 EUR million ECB series 1
H1 202555.8 EUR million ECB series 1
H2 2025 (provisional)20.1 EUR million ECB series 1
Direct debit fraud rate (payee side)0.04 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

ECB aggregate — unranked

Direct debit fraud rate (payee side) history
PeriodValue and caveat
H1 20220.05 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 20230.05 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20230.23 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20240.12 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20240.09 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.10 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)0.04 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
E-money payments5,177.0 million transactions ECB series 1

ECB aggregate — unranked

E-money payments history
PeriodValue and caveat
H1 20224,142.0 million transactions ECB series 1
H2 20224,358.1 million transactions ECB series 1
H1 20234,376.1 million transactions ECB series 1
H2 20234,546.4 million transactions ECB series 1
H1 20244,250.6 million transactions ECB series 1
H2 20244,674.6 million transactions ECB series 1
H1 20254,711.1 million transactions ECB series 1
H2 2025 (provisional)5,177.0 million transactions ECB series 1
E-money payments, value327,500.1 EUR million ECB series 1

ECB aggregate — unranked

E-money payments, value history
PeriodValue and caveat
H1 2022224,629.6 EUR million ECB series 1
H2 2022239,791.2 EUR million ECB series 1
H1 2023237,655.9 EUR million ECB series 1
H2 2023253,506.8 EUR million ECB series 1
H1 2024253,299.5 EUR million ECB series 1
H2 2024295,034.6 EUR million ECB series 1
H1 2025288,361.0 EUR million ECB series 1
H2 2025 (provisional)327,500.1 EUR million ECB series 1
E-money payment fraud rate2.81 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

ECB aggregate — unranked

E-money payment fraud rate history
PeriodValue and caveat
H1 20222.12 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20222.11 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20232.21 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20232.41 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20242.10 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20241.64 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20252.09 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)2.81 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
ATMs per million inhabitants (ECB)Not published by the ECB for this country/period ECB series 1

ECB aggregate — unranked

ATMs per million inhabitants (ECB) history
PeriodValue and caveat
H2 2024660.2 terminals per million inhabitants ECB series 1
H1 2025653.9 terminals per million inhabitants ECB series 1
Contactless-enabled share of EFTPOS terminals93.7 % 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

ECB aggregate — unranked

Contactless-enabled share of EFTPOS terminals history
PeriodValue and caveat
H1 202593.5 % 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)93.7 % 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
Credit cards per inhabitant (ECB)Not published by the ECB for this country/period ECB series 1

ECB aggregate — unranked

Credit cards per inhabitant (ECB) history
PeriodValue and caveat
H2 20240.3 cards per inhabitant ECB series 1
H1 20250.4 cards per inhabitant ECB series 1
Payments initiated by payment-initiation services561.5 million transactions ECB series 1

ECB aggregate — unranked

Payments initiated by payment-initiation services history
PeriodValue and caveat
H1 2022397.0 million transactions ECB series 1
H2 2022414.8 million transactions ECB series 1
H1 2023440.9 million transactions ECB series 1
H2 2023472.0 million transactions ECB series 1
H1 2024546.5 million transactions ECB series 1
H2 2024570.8 million transactions ECB series 1
H1 2025550.3 million transactions ECB series 1
H2 2025 (provisional)561.5 million transactions ECB series 1
Payments initiated by payment-initiation services, value1,359,409.3 EUR million ECB series 1

ECB aggregate — unranked

Payments initiated by payment-initiation services, value history
PeriodValue and caveat
H1 20221,568,264.2 EUR million ECB series 1
H2 20221,419,880.2 EUR million ECB series 1
H1 20231,305,199.9 EUR million ECB series 1
H2 20231,312,997.5 EUR million ECB series 1
H1 20241,301,077.6 EUR million ECB series 1
H2 20241,344,330.4 EUR million ECB series 1
H1 20251,377,866.3 EUR million ECB series 1
H2 2025 (provisional)1,359,409.3 EUR million ECB series 1
Strong customer authentication on remote payment-initiation payments95.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

ECB aggregate — unranked

Strong customer authentication on remote payment-initiation payments history
PeriodValue and caveat
H1 2022Withheld: 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 2022Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2023Withheld: 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 2023Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024Withheld: 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 2024Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202595.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)95.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2