Strong customer authentication on remote credit transfers

Strong customer authentication on remote credit transfers: Strong customer authentication on remote credit transfers, H2 2023 — Strong customer authentication on remote credit transfers: Croatia leads at 91.0 %. 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.

Strong customer authentication on remote credit transfers

ECB:PCT:H.{area}.W0.1.2000.R.CTS_ALL.100._Z.N.PN ÷ ECB:PCT:H.{area}.W0.1.2000.R.CTS_ALL._X._Z.N.PN × 100 (ECB figures; calculated by the mart).

Strong customer authentication on remote credit transfers — H2 2023
Area	Value and caveat	Rank
Croatia	91.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	1 of 23
Hungary	88.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	2 of 23
Italy	83.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	3 of 23
Austria	83.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	4 of 23
Belgium	82.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	5 of 23
Germany	82.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	6 of 23
Slovenia	82.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	7 of 23
Estonia	77.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	8 of 23
Slovakia	74.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	9 of 23
Poland	72.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	10 of 23
Bulgaria	72.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	11 of 23
Latvia	69.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	12 of 23
Czechia	69.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	13 of 23
Romania	69.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	14 of 23
Cyprus	65.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	15 of 23
Luxembourg	61.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	16 of 23
Portugal	59.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	17 of 23
Finland	56.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	18 of 23
Spain	53.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	19 of 23
France	49.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	20 of 23
Greece	49.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	21 of 23
Lithuania	43.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	22 of 23
Ireland	39.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	23 of 23
Malta	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	Unranked
Netherlands	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	Unranked
Euro area	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	ECB aggregate — unranked
European Union	70.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked

History by country and ECB aggregate

Strong customer authentication on remote credit transfers — H1 2022
Area	Value and caveat	Rank
Austria	89.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	1 of 21
Hungary	88.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	2 of 21
Netherlands	88.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	3 of 21
Slovenia	85.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	4 of 21
Latvia	84.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	5 of 21
Germany	84.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	6 of 21
Italy	83.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	7 of 21
Belgium	82.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	8 of 21
Estonia	77.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	9 of 21
Romania	71.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	10 of 21
Lithuania	71.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	11 of 21
Czechia	71.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	12 of 21
Slovakia	65.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	13 of 21
Portugal	58.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	14 of 21
Cyprus	58.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	15 of 21
Greece	56.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	16 of 21
Finland	56.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	17 of 21
Luxembourg	54.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	18 of 21
France	51.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	19 of 21
Spain	47.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	20 of 21
Ireland	39.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	21 of 21
Malta	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	Unranked
Poland	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	Unranked
Euro area	71.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	71.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked

Strong customer authentication on remote credit transfers — H2 2022
Area	Value and caveat	Rank
Netherlands	91.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	1 of 21
Austria	89.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	2 of 21
Hungary	89.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	3 of 21
Slovenia	85.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	4 of 21
Italy	84.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	5 of 21
Germany	84.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	6 of 21
Latvia	84.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	7 of 21
Belgium	82.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	8 of 21
Estonia	76.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	9 of 21
Slovakia	72.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	10 of 21
Romania	71.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	11 of 21
Czechia	70.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	12 of 21
Cyprus	64.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	13 of 21
Luxembourg	57.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	14 of 21
Portugal	57.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	15 of 21
Finland	56.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	16 of 21
Greece	56.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	17 of 21
France	49.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	18 of 21
Spain	45.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	19 of 21
Lithuania	42.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	20 of 21
Ireland	40.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	21 of 21
Malta	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	Unranked
Poland	Not published by the ECB for this country/period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	Unranked
Euro area	70.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	70.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked

Strong customer authentication on remote credit transfers — H1 2023
Area	Value and caveat	Rank
Croatia	91.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	1 of 23
Hungary	89.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	2 of 23
Austria	88.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	3 of 23
Italy	84.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	4 of 23
Slovenia	84.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	5 of 23
Germany	83.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	6 of 23
Belgium	82.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	7 of 23
Estonia	76.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	8 of 23
Slovakia	74.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	9 of 23
Bulgaria	73.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	10 of 23
Latvia	72.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	11 of 23
Czechia	70.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	12 of 23
Romania	70.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	13 of 23
Poland	69.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	14 of 23
Cyprus	65.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	15 of 23
Portugal	58.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	16 of 23
Luxembourg	56.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	17 of 23
Finland	55.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	18 of 23
Greece	52.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	19 of 23
Spain	50.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	20 of 23
France	49.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	21 of 23
Ireland	45.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	22 of 23
Lithuania	43.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	23 of 23
Malta	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	Unranked
Netherlands	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	Unranked
Euro area	70.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	70.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked

Strong customer authentication on remote credit transfers — H2 2023
Area	Value and caveat	Rank
Croatia	91.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	1 of 23
Hungary	88.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	2 of 23
Italy	83.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	3 of 23
Austria	83.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	4 of 23
Belgium	82.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	5 of 23
Germany	82.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	6 of 23
Slovenia	82.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	7 of 23
Estonia	77.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	8 of 23
Slovakia	74.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	9 of 23
Poland	72.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	10 of 23
Bulgaria	72.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	11 of 23
Latvia	69.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	12 of 23
Czechia	69.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	13 of 23
Romania	69.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	14 of 23
Cyprus	65.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	15 of 23
Luxembourg	61.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	16 of 23
Portugal	59.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	17 of 23
Finland	56.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	18 of 23
Spain	53.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	19 of 23
France	49.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	20 of 23
Greece	49.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	21 of 23
Lithuania	43.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	22 of 23
Ireland	39.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	23 of 23
Malta	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	Unranked
Netherlands	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	Unranked
Euro area	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	ECB aggregate — unranked
European Union	70.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked

Strong customer authentication on remote credit transfers — H1 2024
Area	Value and caveat	Rank
Croatia	89.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	1 of 23
Hungary	88.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	2 of 23
Belgium	83.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	3 of 23
Austria	83.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	4 of 23
Italy	82.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	5 of 23
Germany	82.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	6 of 23
Slovenia	79.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	7 of 23
Estonia	77.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	8 of 23
Slovakia	73.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	9 of 23
Poland	70.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	10 of 23
Romania	69.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	11 of 23
Bulgaria	66.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	12 of 23
Cyprus	66.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	13 of 23
Latvia	66.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	14 of 23
Czechia	64.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	15 of 23
Luxembourg	60.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	16 of 23
Portugal	59.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	17 of 23
Finland	58.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	18 of 23
Greece	54.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	19 of 23
Spain	51.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	20 of 23
France	49.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	21 of 23
Lithuania	45.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	22 of 23
Ireland	35.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	23 of 23
Malta	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	Unranked
Netherlands	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	Unranked
Euro area	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	ECB aggregate — unranked
European Union	69.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked

Strong customer authentication on remote credit transfers — H2 2024
Area	Value and caveat	Rank
Croatia	89.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	1 of 23
Hungary	88.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	2 of 23
Belgium	84.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	3 of 23
Austria	84.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	4 of 23
Italy	82.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	5 of 23
Slovenia	82.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	6 of 23
Germany	81.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	7 of 23
Estonia	77.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	8 of 23
Poland	74.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	9 of 23
Slovakia	74.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	10 of 23
Romania	68.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	11 of 23
Czechia	68.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	12 of 23
Cyprus	66.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	13 of 23
Bulgaria	66.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	14 of 23
Latvia	64.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	15 of 23
Luxembourg	64.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	16 of 23
Finland	62.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	17 of 23
Portugal	54.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	18 of 23
Greece	52.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	19 of 23
France	50.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	20 of 23
Spain	49.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	21 of 23
Lithuania	39.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	22 of 23
Ireland	32.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	23 of 23
Malta	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	Unranked
Netherlands	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	Unranked
Euro area	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	ECB aggregate — unranked
European Union	69.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked

Strong customer authentication on remote credit transfers — H1 2025
Area	Value and caveat	Rank
Netherlands	91.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	1 of 24
Hungary	89.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	2 of 24
Croatia	89.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	3 of 24
Belgium	85.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	4 of 24
Austria	84.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	5 of 24
Slovenia	84.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	6 of 24
Italy	82.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	7 of 24
Germany	81.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	8 of 24
Estonia	77.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	9 of 24
Poland	76.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	10 of 24
Slovakia	73.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	11 of 24
Czechia	70.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	12 of 24
Romania	67.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	13 of 24
Cyprus	66.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	14 of 24
Latvia	63.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	15 of 24
Finland	62.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	16 of 24
Bulgaria	61.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	17 of 24
Portugal	60.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	18 of 24
Luxembourg	55.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	19 of 24
Spain	55.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	20 of 24
France	52.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	21 of 24
Greece	49.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	22 of 24
Lithuania	40.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	23 of 24
Ireland	33.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	24 of 24
Malta	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	Unranked
Euro area	69.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	70.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked

Strong customer authentication on remote credit transfers — H2 2025 (provisional)
Area	Value and caveat	Rank
Netherlands	91.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	1 of 24
Hungary	89.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	2 of 24
Croatia	88.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	3 of 24
Belgium	85.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	4 of 24
Italy	84.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	5 of 24
Slovenia	84.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	6 of 24
Austria	83.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	7 of 24
Germany	81.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	8 of 24
Poland	79.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	9 of 24
Estonia	77.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	10 of 24
Slovakia	73.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	11 of 24
Czechia	70.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	12 of 24
Cyprus	67.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	13 of 24
Portugal	64.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	14 of 24
Latvia	62.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	15 of 24
Bulgaria	62.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	16 of 24
Finland	61.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	17 of 24
Romania	60.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	18 of 24
Luxembourg	54.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	19 of 24
France	53.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	20 of 24
Spain	53.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	21 of 24
Greece	49.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	22 of 24
Lithuania	41.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	23 of 24
Ireland	30.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	24 of 24
Malta	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	Unranked
Euro area	69.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked
European Union	70.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2	ECB aggregate — unranked