Italy payments

Italy payments: SEPA Instant share of credit transfers (number), H2 2025 (provisional) — SEPA Instant share of credit transfers (number): Italy: 13.9 % (rank 12 of 25). 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)
MetricItaly
Credit transfers sent1,275.5 million transactions ECB series 1

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Credit transfers sent history
PeriodValue and caveat
H1 2022979.9 million transactions ECB series 1
H2 20221,054.1 million transactions ECB series 1
H1 20231,056.8 million transactions ECB series 1
H2 20231,104.8 million transactions ECB series 1
H1 20241,104.0 million transactions ECB series 1
H2 20241,165.5 million transactions ECB series 1
H1 20251,171.2 million transactions ECB series 1
H2 2025 (provisional)1,275.5 million transactions ECB series 1
Credit transfers sent, value5,372,846.4 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1

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Credit transfers sent, value history
PeriodValue and caveat
H1 20224,796,916.0 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 20225,034,201.1 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 20234,856,977.6 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 20234,960,555.8 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 20245,074,740.1 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 20245,322,820.5 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H1 20255,230,630.9 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
H2 2025 (provisional)5,372,846.4 EUR million Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1
SEPA Instant credit transfers sent176.9 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1

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SEPA Instant credit transfers sent history
PeriodValue and caveat
H1 202220.6 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 202227.6 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H1 202333.3 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 202344.1 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H1 202453.6 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 202468.2 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 2025121.3 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 2025 (provisional)176.9 million transactions SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
SEPA Instant credit transfers sent, value144,500.4 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1

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SEPA Instant credit transfers sent, value history
PeriodValue and caveat
H1 202216,101.2 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 202221,922.6 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H1 202327,443.7 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 202335,232.6 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H1 202441,865.9 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 202452,871.8 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H1 202589,529.9 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
H2 2025 (provisional)144,500.4 EUR million SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1
SEPA (non-instant) credit transfers sent449.7 million transactions ECB series 1

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SEPA (non-instant) credit transfers sent history
PeriodValue and caveat
H1 2022412.9 million transactions ECB series 1
H2 2022439.6 million transactions ECB series 1
H1 2023451.8 million transactions ECB series 1
H2 2023463.3 million transactions ECB series 1
H1 2024473.4 million transactions ECB series 1
H2 2024494.4 million transactions ECB series 1
H1 2025453.7 million transactions ECB series 1
H2 2025 (provisional)449.7 million transactions ECB series 1
SEPA Instant share of credit transfers (number)13.9 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2

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SEPA Instant share of credit transfers (number) history
PeriodValue and caveat
H1 20222.1 % 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 20222.6 % 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 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 20234.0 % 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 20244.9 % 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 20245.8 % 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 202510.4 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 2025 (provisional)13.9 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
SEPA Instant share of credit transfers (value)2.7 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2

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SEPA Instant share of credit transfers (value) history
PeriodValue and caveat
H1 20220.3 % 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 20220.4 % 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 20230.6 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 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
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 20241.0 % 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 20251.7 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
H2 2025 (provisional)2.7 % Derived by Scrolld from ECB inputs. SEPA Instant only. Most countries outside the euro area run their own national instant schemes, which this figure does not include, so their share reads near zero. ECB series 1 · ECB series 2
Cross-border share of credit transfers (number)2.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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Cross-border share of credit transfers (number) history
PeriodValue and caveat
H1 20221.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20221.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20231.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20231.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20242.0 % 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 20252.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)2.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
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 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 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 transfers84.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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Strong customer authentication on remote credit transfers history
PeriodValue and caveat
H1 202283.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202284.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202384.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202383.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202482.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202482.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202582.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)84.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
E-commerce credit transfers5.3 million transactions ECB series 1

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E-commerce credit transfers history
PeriodValue and caveat
H1 20221.2 million transactions ECB series 1
H2 20221.4 million transactions ECB series 1
H1 20231.7 million transactions ECB series 1
H2 20232.0 million transactions ECB series 1
H1 20242.6 million transactions ECB series 1
H2 20243.0 million transactions ECB series 1
H1 20254.5 million transactions ECB series 1
H2 2025 (provisional)5.3 million transactions ECB series 1
Credit transfers via mobile payment solutions164.6 million transactions ECB series 1

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Credit transfers via mobile payment solutions history
PeriodValue and caveat
H1 202247.3 million transactions ECB series 1
H2 202264.5 million transactions ECB series 1
H1 202374.6 million transactions ECB series 1
H2 202386.1 million transactions ECB series 1
H1 202495.3 million transactions ECB series 1
H2 2024109.9 million transactions ECB series 1
H1 2025137.2 million transactions ECB series 1
H2 2025 (provisional)164.6 million transactions ECB series 1
Person-to-person mobile credit transfers9.5 million transactions ECB series 1

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Person-to-person mobile credit transfers history
PeriodValue and caveat
H1 20223.5 million transactions ECB series 1
H2 20224.7 million transactions ECB series 1
H1 20235.3 million transactions ECB series 1
H2 20236.2 million transactions ECB series 1
H1 20246.8 million transactions ECB series 1
H2 20248.5 million transactions ECB series 1
H1 20258.6 million transactions ECB series 1
H2 2025 (provisional)9.5 million transactions ECB series 1
Credit transfers initiated by payment initiation services0.9 million transactions ECB series 1

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Credit transfers initiated by payment initiation services history
PeriodValue and caveat
H1 20221.4 million transactions ECB series 1
H2 20222.3 million transactions ECB series 1
H1 20230.8 million transactions ECB series 1
H2 20230.6 million transactions ECB series 1
H1 20240.6 million transactions ECB series 1
H2 20240.7 million transactions ECB series 1
H1 20250.8 million transactions ECB series 1
H2 2025 (provisional)0.9 million transactions ECB series 1
Fraudulent credit transfers, value121.3 EUR million ECB series 1

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Fraudulent credit transfers, value history
PeriodValue and caveat
H1 202223.6 EUR million ECB series 1
H2 202228.6 EUR million ECB series 1
H1 202337.3 EUR million ECB series 1
H2 202345.8 EUR million ECB series 1
H1 202469.7 EUR million ECB series 1
H2 202496.8 EUR million ECB series 1
H1 202597.7 EUR million ECB series 1
H2 2025 (provisional)121.3 EUR million ECB series 1
Credit transfer fraud rate0.23 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 20220.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20230.08 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20230.09 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20240.14 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 20250.19 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)0.23 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Credit transfers per inhabitant (ECB)21.6 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 202216.5 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202217.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202317.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202318.7 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202418.7 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 202419.8 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H1 202519.9 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
H2 2025 (provisional)21.6 transactions per inhabitant Per half-year, as published by the ECB. ECB series 1
Average credit transfer (incl. large-value)4,212.29 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2

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Average credit transfer (incl. large-value) history
PeriodValue and caveat
H1 20224,895.44 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 20224,775.89 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 20234,595.87 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 20234,490.01 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 20244,596.53 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 20244,566.83 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H1 20254,465.93 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
H2 2025 (provisional)4,212.29 EUR per transaction Derived by Scrolld from ECB inputs. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value. ECB series 1 · ECB series 2
Card payments (issuer side)5,099.7 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

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Card payments (issuer side) history
PeriodValue and caveat
H1 20222,834.0 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20223,305.5 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20233,415.2 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20233,814.8 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20243,952.3 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20244,463.2 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20254,473.9 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)5,099.7 million transactions Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Card payments, value220,595.6 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

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Card payments, value history
PeriodValue and caveat
H1 2022146,741.7 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2022169,643.0 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023169,148.5 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023184,882.7 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024183,249.5 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024203,638.8 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025196,732.9 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)220,595.6 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Average card payment43.26 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

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Average card payment history
PeriodValue and caveat
H1 202251.78 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202251.32 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 202349.53 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202348.46 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202446.37 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202445.63 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202543.97 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)43.26 EUR per transaction Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Contactless card payments3,834.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

5 of 25

Contactless card payments history
PeriodValue and caveat
H1 20221,650.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20221,998.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20232,126.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20232,491.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20242,534.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20242,959.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20253,263.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)3,834.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Contactless card payments, value148,975.0 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

2 of 25

Contactless card payments, value history
PeriodValue and caveat
H1 202273,209.8 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202289,832.3 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202391,463.8 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023106,257.5 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024102,906.8 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024120,429.2 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025127,704.6 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)148,975.0 EUR million Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Contactless share of card payments (number)75.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

11 of 25

Contactless share of card payments (number) history
PeriodValue and caveat
H1 202258.2 % 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 202260.5 % 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 202362.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202365.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202464.1 % 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 202466.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202572.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)75.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Contactless share of card payments (value)67.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

4 of 25

Contactless share of card payments (value) history
PeriodValue and caveat
H1 202249.9 % 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 202253.0 % 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 202354.1 % 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 202357.5 % 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 202456.2 % 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 202459.1 % 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 202564.9 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)67.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
NFC card payments3,661.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

4 of 25

NFC card payments history
PeriodValue and caveat
H1 20221,556.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20221,895.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20232,044.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20232,381.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20242,409.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 20242,879.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 20253,101.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)3,661.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
NFC share of contactless payments95.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

21 of 25

NFC share of contactless payments history
PeriodValue and caveat
H1 202294.3 % 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 202294.8 % 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 202396.2 % 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 202395.6 % 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 202495.1 % 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 202497.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202595.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)95.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Remote (online) share of card payments17.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

20 of 25

Remote (online) share of card payments history
PeriodValue and caveat
H1 202216.0 % 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 202215.6 % 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 202316.2 % 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 202315.9 % 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 202416.3 % 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 202416.0 % 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 202516.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)17.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Card payments via mobile payment solutions246.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

4 of 24

Card payments via mobile payment solutions history
PeriodValue and caveat
H1 202281.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202297.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2023116.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2023135.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2024152.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2024183.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 2025199.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)246.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Share of card payments at terminals abroad13.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

17 of 25

Share of card payments at terminals abroad history
PeriodValue and caveat
H1 202210.8 % 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 202211.7 % 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 202312.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 202312.5 % 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 202411.5 % 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 202412.4 % 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 202512.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)13.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Strong customer authentication on remote card payments32.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

19 of 25

Strong customer authentication on remote card payments history
PeriodValue and caveat
H1 202230.6 % 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 202234.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 202334.7 % 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 202339.3 % 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 202439.9 % 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 202440.3 % 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 202532.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)32.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Fraudulent card payments (issuer side), value38.7 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

3 of 20

Fraudulent card payments (issuer side), value history
PeriodValue and caveat
H1 202232.4 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 202238.4 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 202335.7 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 202347.1 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202443.4 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 202441.7 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202539.8 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)38.7 EUR million Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Card payment fraud rate (issuer side)1.76 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2

15 of 20

Card payment fraud rate (issuer side) history
PeriodValue and caveat
H1 20222.21 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 20222.26 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 20232.11 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 20232.55 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H1 20242.37 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 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 20252.02 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)1.76 basis points of value Derived by Scrolld from ECB inputs. Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Cash withdrawals with cards404.1 million transactions ECB series 1

3 of 25

Cash withdrawals with cards history
PeriodValue and caveat
H1 2022430.4 million transactions ECB series 1
H2 2022455.7 million transactions ECB series 1
H1 2023434.2 million transactions ECB series 1
H2 2023445.1 million transactions ECB series 1
H1 2024425.1 million transactions ECB series 1
H2 2024431.5 million transactions ECB series 1
H1 2025396.1 million transactions ECB series 1
H2 2025 (provisional)404.1 million transactions ECB series 1
Card cash withdrawals per 100 card payments7.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

7 of 25

Card cash withdrawals per 100 card payments history
PeriodValue and caveat
H1 202215.2 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202213.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202312.7 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 202311.7 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 202410.8 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20249.7 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20258.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)7.9 per 100 card payments Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
Card payments per inhabitant (ECB)86.5 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1

24 of 25

Card payments per inhabitant (ECB) history
PeriodValue and caveat
H1 202247.9 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 202256.0 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202357.9 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 202364.7 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202467.0 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 202475.7 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H1 202575.9 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
H2 2025 (provisional)86.5 transactions per inhabitant Counted on the card issuer side: payments with cards issued by payment service providers in the country, wherever the card is used. Countries that license EU-wide card issuers (for example Lithuania and Luxembourg) therefore show far more card payments than their population makes. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1
Direct debits (payer side)732.7 million transactions ECB series 1

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Direct debits (payer side) history
PeriodValue and caveat
H1 2022578.9 million transactions ECB series 1
H2 2022609.2 million transactions ECB series 1
H1 2023631.7 million transactions ECB series 1
H2 2023645.3 million transactions ECB series 1
H1 2024673.9 million transactions ECB series 1
H2 2024717.2 million transactions ECB series 1
H1 2025704.6 million transactions ECB series 1
H2 2025 (provisional)732.7 million transactions ECB series 1
Direct debits (payer side), value354,074.1 EUR million ECB series 1

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Direct debits (payer side), value history
PeriodValue and caveat
H1 2022281,259.0 EUR million ECB series 1
H2 2022282,739.1 EUR million ECB series 1
H1 2023297,322.8 EUR million ECB series 1
H2 2023298,848.5 EUR million ECB series 1
H1 2024348,853.4 EUR million ECB series 1
H2 2024345,564.6 EUR million ECB series 1
H1 2025357,731.7 EUR million ECB series 1
H2 2025 (provisional)354,074.1 EUR million ECB series 1
Fraudulent direct debits (payee side), value0.4 EUR million ECB series 1

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Fraudulent direct debits (payee side), value history
PeriodValue and caveat
H1 20224.9 EUR million ECB series 1
H2 20220.6 EUR million ECB series 1
H1 20231.0 EUR million ECB series 1
H2 20230.2 EUR million ECB series 1
H1 20240.0 EUR million ECB series 1
H2 20242.1 EUR million ECB series 1
H1 20251.2 EUR million ECB series 1
H2 2025 (provisional)0.4 EUR million ECB series 1
Direct debit fraud rate (payee side)0.01 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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Direct debit fraud rate (payee side) history
PeriodValue and caveat
H1 20220.17 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20220.02 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20230.03 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20230.01 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 20240.06 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20250.03 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)0.01 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
E-money payments1,497.1 million transactions ECB series 1

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E-money payments history
PeriodValue and caveat
H1 2022850.0 million transactions ECB series 1
H2 20221,008.1 million transactions ECB series 1
H1 20231,014.7 million transactions ECB series 1
H2 20231,150.0 million transactions ECB series 1
H1 20241,132.2 million transactions ECB series 1
H2 20241,334.3 million transactions ECB series 1
H1 20251,302.3 million transactions ECB series 1
H2 2025 (provisional)1,497.1 million transactions ECB series 1
E-money payments, value46,628.9 EUR million ECB series 1

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E-money payments, value history
PeriodValue and caveat
H1 202229,481.3 EUR million ECB series 1
H2 202235,089.7 EUR million ECB series 1
H1 202334,253.4 EUR million ECB series 1
H2 202338,362.2 EUR million ECB series 1
H1 202436,331.9 EUR million ECB series 1
H2 202443,687.8 EUR million ECB series 1
H1 202540,900.9 EUR million ECB series 1
H2 2025 (provisional)46,628.9 EUR million ECB series 1
E-money payment fraud rate2.38 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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E-money payment fraud rate history
PeriodValue and caveat
H1 20227.00 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20222.76 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20234.25 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20233.53 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20242.72 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 20242.36 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H1 20253.28 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)2.38 basis points of value Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
ATMs per million inhabitants (ECB)767.5 terminals per million inhabitants ECB series 1

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ATMs per million inhabitants (ECB) history
PeriodValue and caveat
H1 2025765.9 terminals per million inhabitants ECB series 1
H2 2025 (provisional)767.5 terminals per million inhabitants ECB series 1
Contactless-enabled share of EFTPOS terminals94.6 % 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

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Contactless-enabled share of EFTPOS terminals history
PeriodValue and caveat
H1 202594.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
H2 2025 (provisional)94.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2
Credit cards per inhabitant (ECB)0.1 cards per inhabitant ECB series 1

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Credit cards per inhabitant (ECB) history
PeriodValue and caveat
H1 20250.1 cards per inhabitant ECB series 1
H2 2025 (provisional)0.1 cards per inhabitant ECB series 1
ATM cash withdrawals at home (resident cards)398.5 million transactions ECB series 1

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ATM cash withdrawals at home (resident cards) history
PeriodValue and caveat
H1 2025387.4 million transactions ECB series 1
H2 2025 (provisional)398.5 million transactions ECB series 1
ATM cash withdrawals at home, value102,916.7 EUR million ECB series 1

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ATM cash withdrawals at home, value history
PeriodValue and caveat
H1 202595,813.4 EUR million ECB series 1
H2 2025 (provisional)102,916.7 EUR million ECB series 1
Average ATM withdrawal258.24 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2

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Average ATM withdrawal history
PeriodValue and caveat
H1 2025247.30 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
H2 2025 (provisional)258.24 EUR per transaction Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2
TIPS instant-settlement transactions97.0 million transactions ECB series 1

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TIPS instant-settlement transactions history
PeriodValue and caveat
H1 202565.4 million transactions ECB series 1
H2 2025 (provisional)97.0 million transactions ECB series 1
TIPS instant-settlement value74,869.7 EUR million ECB series 1

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TIPS instant-settlement value history
PeriodValue and caveat
H1 202542,761.4 EUR million ECB series 1
H2 2025 (provisional)74,869.7 EUR million ECB series 1
T2 (TARGET) transactions4.9 million transactions ECB series 1

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T2 (TARGET) transactions history
PeriodValue and caveat
H1 20255.0 million transactions ECB series 1
H2 2025 (provisional)4.9 million transactions ECB series 1