Finland payments

Finland payments: SEPA Instant share of credit transfers (number), H2 2025 (provisional) — SEPA Instant share of credit transfers (number): Finland: 11.5 % (rank 14 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)
MetricFinland
Credit transfers sent645.6 million transactions ECB series 1

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Credit transfers sent history
PeriodValue and caveat
H1 2022565.9 million transactions ECB series 1
H2 2022597.4 million transactions ECB series 1
H1 2023601.6 million transactions ECB series 1
H2 2023617.5 million transactions ECB series 1
H1 2024614.0 million transactions ECB series 1
H2 2024641.3 million transactions ECB series 1
H1 2025624.1 million transactions ECB series 1
H2 2025 (provisional)645.6 million transactions ECB series 1
Credit transfers sent, value1,899,041.1 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1

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Credit transfers sent, value history
PeriodValue and caveat
H1 20221,936,363.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 20222,150,906.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 20231,900,764.7 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 20231,861,770.0 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 20241,860,327.3 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 20241,856,520.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 20251,948,915.7 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2025 (provisional)1,899,041.1 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 sent74.1 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1

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SEPA Instant credit transfers sent history
PeriodValue and caveat
H1 202229.0 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 202241.9 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 202341.2 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 202343.7 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 202447.8 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
H2 202452.9 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 202558.8 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
H2 2025 (provisional)74.1 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
SEPA Instant credit transfers sent, value99,262.0 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

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SEPA Instant credit transfers sent, value history
PeriodValue and caveat
H1 202249,240.9 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 202262,458.6 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 202360,643.2 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 202360,647.6 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 202471,305.8 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
H2 202468,690.6 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 202581,475.8 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
H2 2025 (provisional)99,262.0 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 sent174.2 million transactions ECB series 1

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SEPA (non-instant) credit transfers sent history
PeriodValue and caveat
H1 2022163.8 million transactions ECB series 1
H2 2022173.3 million transactions ECB series 1
H1 2023182.6 million transactions ECB series 1
H2 2023183.9 million transactions ECB series 1
H1 2024181.5 million transactions ECB series 1
H2 2024188.3 million transactions ECB series 1
H1 2025177.1 million transactions ECB series 1
H2 2025 (provisional)174.2 million transactions ECB series 1
SEPA Instant share of credit transfers (number)11.5 % 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

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SEPA Instant share of credit transfers (number) history
PeriodValue and caveat
H1 20225.1 % 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 20227.0 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H1 20236.9 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 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
H1 20247.8 % 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 20248.3 % 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 20259.4 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 2025 (provisional)11.5 % 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
SEPA Instant share of credit transfers (value)5.2 % 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

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SEPA Instant share of credit transfers (value) history
PeriodValue and caveat
H1 20222.5 % 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 20222.9 % 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 20233.2 % 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 20233.3 % 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 20243.8 % 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 20243.7 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H1 20254.2 % 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)5.2 % 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
Cross-border share of credit transfers (number)3.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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Cross-border share of credit transfers (number) history
PeriodValue and caveat
H1 20221.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20222.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20232.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20232.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20242.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20242.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20252.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)3.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Remotely initiated share of electronic credit transfersWithheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Unranked

Remotely initiated share of electronic credit transfers history
PeriodValue and caveat
H1 202299.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202299.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202399.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202399.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2024100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2024100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 2025Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Strong customer authentication on remote credit transfers61.7 % 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 202256.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202256.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202355.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202356.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202458.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202462.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202562.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)61.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
E-commerce credit transfers33.3 million transactions ECB series 1

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E-commerce credit transfers history
PeriodValue and caveat
H1 202239.7 million transactions ECB series 1
H2 202244.2 million transactions ECB series 1
H1 202339.7 million transactions ECB series 1
H2 202340.1 million transactions ECB series 1
H1 202439.1 million transactions ECB series 1
H2 202439.0 million transactions ECB series 1
H1 202534.3 million transactions ECB series 1
H2 2025 (provisional)33.3 million transactions ECB series 1
Credit transfers via mobile payment solutions10.4 million transactions ECB series 1

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Credit transfers via mobile payment solutions history
PeriodValue and caveat
H1 202210.6 million transactions ECB series 1
H2 202212.4 million transactions ECB series 1
H1 202312.0 million transactions ECB series 1
H2 202312.0 million transactions ECB series 1
H1 202412.4 million transactions ECB series 1
H2 202410.0 million transactions ECB series 1
H1 20259.1 million transactions ECB series 1
H2 2025 (provisional)10.4 million transactions ECB series 1
Person-to-person mobile credit transfers6.7 million transactions ECB series 1

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Person-to-person mobile credit transfers history
PeriodValue and caveat
H1 20226.9 million transactions ECB series 1
H2 20228.3 million transactions ECB series 1
H1 20238.3 million transactions ECB series 1
H2 20238.3 million transactions ECB series 1
H1 20248.8 million transactions ECB series 1
H2 20247.0 million transactions ECB series 1
H1 20256.3 million transactions ECB series 1
H2 2025 (provisional)6.7 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, value41.6 EUR million ECB series 1

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Fraudulent credit transfers, value history
PeriodValue and caveat
H1 20229.8 EUR million ECB series 1
H2 202221.7 EUR million ECB series 1
H1 202319.5 EUR million ECB series 1
H2 202323.5 EUR million ECB series 1
H1 202431.8 EUR million ECB series 1
H2 202432.9 EUR million ECB series 1
H1 202530.2 EUR million ECB series 1
H2 2025 (provisional)41.6 EUR million ECB series 1
Credit transfer fraud rate0.22 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 20220.05 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20220.10 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20230.10 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 20240.17 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20240.18 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.15 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)0.22 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Credit transfers per inhabitant (ECB)114.0 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 2022101.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2022107.4 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 2023108.0 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2023110.4 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 2024109.4 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2024113.8 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 2025110.6 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2025 (provisional)114.0 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
Average credit transfer (incl. large-value)2,941.57 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 20223,421.94 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 20223,600.49 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 20233,159.44 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 20233,014.83 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 20243,029.72 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 20242,894.99 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 20253,122.75 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2025 (provisional)2,941.57 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)1,347.1 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

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Card payments (issuer side) history
PeriodValue and caveat
H1 20221,012.3 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 20221,134.1 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20231,115.8 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20231,225.0 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20241,172.8 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20241,281.7 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20251,224.3 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 2025 (provisional)1,347.1 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Card payments, value40,098.8 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

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Card payments, value history
PeriodValue and caveat
H1 202231,207.1 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 202234,528.4 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 202333,920.5 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 202337,142.2 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
H1 202435,246.4 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 202438,603.9 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 202536,451.6 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)40,098.8 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
Average card payment29.77 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

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Average card payment history
PeriodValue and caveat
H1 202230.83 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 202230.44 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202330.40 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 202330.32 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202430.05 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202430.12 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202529.77 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
H2 2025 (provisional)29.77 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
Contactless card payments909.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

13 of 25

Contactless card payments history
PeriodValue and caveat
H1 2022600.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022688.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023678.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023751.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024731.7 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024834.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025820.7 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)909.9 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, value18,191.9 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

15 of 25

Contactless card payments, value history
PeriodValue and caveat
H1 20229,261.2 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202210,678.7 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202310,665.3 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202312,067.2 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202412,277.7 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202415,174.3 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202515,589.8 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)18,191.9 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)67.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

18 of 25

Contactless share of card payments (number) history
PeriodValue and caveat
H1 202259.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202260.7 % 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 202360.8 % 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 202361.3 % 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 202462.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202465.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202567.0 % 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)67.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Contactless share of card payments (value)45.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

19 of 25

Contactless share of card payments (value) history
PeriodValue and caveat
H1 202229.7 % 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 202230.9 % 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 202331.4 % 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 202332.5 % 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 202434.8 % 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 202439.3 % 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 202542.8 % 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)45.4 % 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
NFC card payments890.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

12 of 25

NFC card payments history
PeriodValue and caveat
H1 2022586.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022668.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023670.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023748.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024729.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024832.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025804.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)890.9 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 payments97.9 % 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

17 of 25

NFC share of contactless payments history
PeriodValue and caveat
H1 202297.8 % 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 202297.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202398.8 % 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 202399.7 % 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 202499.8 % 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 202499.8 % 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 202598.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)97.9 % 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 payments20.5 % 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

13 of 25

Remote (online) share of card payments history
PeriodValue and caveat
H1 202213.9 % 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 202214.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202315.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202316.4 % 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 202417.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202418.3 % 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 202519.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)20.5 % 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 payments via mobile payment solutions143.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

9 of 24

Card payments via mobile payment solutions history
PeriodValue and caveat
H1 202223.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202233.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202341.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202352.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202462.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202477.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025115.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)143.3 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 abroad11.8 % 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

Share of card payments at terminals abroad history
PeriodValue and caveat
H1 20228.4 % 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 20228.8 % 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 20239.1 % 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 20239.6 % 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 20249.9 % 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 202410.7 % 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 202511.2 % 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)11.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Strong customer authentication on remote card payments32.5 % 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

18 of 25

Strong customer authentication on remote card payments history
PeriodValue and caveat
H1 202221.8 % 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 202222.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202321.9 % 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 202323.5 % 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 202421.8 % 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 202426.9 % 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 202529.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)32.5 % 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
Fraudulent card payments (issuer side), value3.9 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

11 of 20

Fraudulent card payments (issuer side), value history
PeriodValue and caveat
H1 20223.7 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20224.8 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 20233.6 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20234.9 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 20246.7 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20247.9 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 20255.9 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)3.9 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
Card payment fraud rate (issuer side)0.96 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

19 of 20

Card payment fraud rate (issuer side) history
PeriodValue and caveat
H1 20221.18 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 20221.38 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 20231.05 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 20231.32 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 20241.89 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 20242.05 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 20251.61 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)0.96 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 cards26.2 million transactions ECB series 1

19 of 25

Cash withdrawals with cards history
PeriodValue and caveat
H1 202228.4 million transactions ECB series 1
H2 202232.1 million transactions ECB series 1
H1 202327.8 million transactions ECB series 1
H2 202329.9 million transactions ECB series 1
H1 202426.2 million transactions ECB series 1
H2 202427.6 million transactions ECB series 1
H1 202525.1 million transactions ECB series 1
H2 2025 (provisional)26.2 million transactions ECB series 1
Card cash withdrawals per 100 card payments1.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

25 of 25

Card cash withdrawals per 100 card payments history
PeriodValue and caveat
H1 20222.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20222.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20232.5 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20232.4 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20242.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20242.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20252.0 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)1.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Card payments per inhabitant (ECB)238.0 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

4 of 25

Card payments per inhabitant (ECB) history
PeriodValue and caveat
H1 2022181.4 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 2022203.9 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023200.4 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 2023218.9 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024208.9 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024227.4 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 2025216.9 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)238.0 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)0.2 million transactions ECB series 1

23 of 23

Direct debits (payer side) history
PeriodValue and caveat
H1 20220.3 million transactions ECB series 1
H2 20220.2 million transactions ECB series 1
H1 20230.2 million transactions ECB series 1
H2 20230.2 million transactions ECB series 1
H1 20240.2 million transactions ECB series 1
H2 20240.2 million transactions ECB series 1
H1 20250.2 million transactions ECB series 1
H2 2025 (provisional)0.2 million transactions ECB series 1
Direct debits (payer side), value2,148.3 EUR million ECB series 1

17 of 23

Direct debits (payer side), value history
PeriodValue and caveat
H1 20222,008.1 EUR million ECB series 1
H2 20222,189.1 EUR million ECB series 1
H1 20232,183.3 EUR million ECB series 1
H2 20232,056.1 EUR million ECB series 1
H1 20241,804.1 EUR million ECB series 1
H2 20241,910.1 EUR million ECB series 1
H1 20251,866.2 EUR million ECB series 1
H2 2025 (provisional)2,148.3 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 payments4.9 million transactions ECB series 1

18 of 23

E-money payments history
PeriodValue and caveat
H1 2022Not published by the ECB for this country/period 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 2023Not published by the ECB for this country/period ECB series 1
H1 2024Not published by the ECB for this country/period ECB series 1
H2 20245.9 million transactions ECB series 1
H1 20254.8 million transactions ECB series 1
H2 2025 (provisional)4.9 million transactions ECB series 1
E-money payments, value620.9 EUR million ECB series 1

14 of 22

E-money payments, value history
PeriodValue and caveat
H1 2022Not published by the ECB for this country/period ECB series 1
H2 20221.4 EUR million ECB series 1
H1 2023Not published by the ECB for this country/period ECB series 1
H2 2023Not published by the ECB for this country/period ECB series 1
H1 2024234.9 EUR million ECB series 1
H2 2024438.8 EUR million ECB series 1
H1 2025451.1 EUR million ECB series 1
H2 2025 (provisional)620.9 EUR million ECB series 1
E-money payment fraud rateNot published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Unranked

E-money payment fraud rate history
PeriodValue and caveat
H1 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20220.00 basis points of value 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 20240.79 basis points of value 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
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)Not published by the ECB for this country/period ECB series 1

Unranked

ATM cash withdrawals at home (resident cards) history
PeriodValue and caveat
H1 2025Not published by the ECB for this country/period ECB series 1
H2 2025 (provisional)Not published by the ECB for this country/period ECB series 1
ATM cash withdrawals at home, valueNot published by the ECB for this country/period ECB series 1

Unranked

ATM cash withdrawals at home, value history
PeriodValue and caveat
H1 2025Not published by the ECB for this country/period ECB series 1
H2 2025 (provisional)Not published by the ECB for this country/period ECB series 1
ATM cash withdrawals abroad (resident cards)Not published by the ECB for this country/period ECB series 1

Unranked

ATM cash withdrawals abroad (resident cards) 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
Average ATM withdrawalNot published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Unranked

Average ATM withdrawal history
PeriodValue and caveat
H1 2025Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
TIPS instant-settlement transactions0.0 million transactions ECB series 1

15 of 18

TIPS instant-settlement transactions history
PeriodValue and caveat
H1 2025Not published by the ECB for this country/period ECB series 1
H2 2025 (provisional)0.0 million transactions 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) transactions0.6 million transactions ECB series 1

9 of 16

T2 (TARGET) transactions history
PeriodValue and caveat
H1 20250.6 million transactions ECB series 1
H2 2025 (provisional)0.6 million transactions ECB series 1
Payments initiated by payment-initiation services46.0 million transactions ECB series 1

2 of 9

Payments initiated by payment-initiation services history
PeriodValue and caveat
H1 202217.1 million transactions ECB series 1
H2 202220.5 million transactions ECB series 1
H1 202336.0 million transactions ECB series 1
H2 202340.9 million transactions ECB series 1
H1 202439.0 million transactions ECB series 1
H2 202443.1 million transactions ECB series 1
H1 202541.0 million transactions ECB series 1
H2 2025 (provisional)46.0 million transactions ECB series 1
Payments initiated by payment-initiation services, value6,364.9 EUR million ECB series 1

3 of 10

Payments initiated by payment-initiation services, value history
PeriodValue and caveat
H1 20221,316.2 EUR million ECB series 1
H2 20221,610.0 EUR million ECB series 1
H1 20234,986.3 EUR million ECB series 1
H2 20235,307.9 EUR million ECB series 1
H1 20245,355.8 EUR million ECB series 1
H2 20245,618.9 EUR million ECB series 1
H1 20255,937.5 EUR million ECB series 1
H2 2025 (provisional)6,364.9 EUR million ECB series 1
Strong customer authentication on remote payment-initiation paymentsWithheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

Unranked

Strong customer authentication on remote payment-initiation payments history
PeriodValue and caveat
H1 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2022Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 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)Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2