Online & mobile payments

Online & mobile payments: Remote (online) share of card payments, H2 2025 (provisional) — Remote (online) share of card payments: Malta leads at 41.9 %. 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.

Remote (online) share of card payments

ECB:PCP:H.{area}.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN ÷ ECB:PCP:H.{area}.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN × 100 (ECB figures; calculated by the mart).

Remote (online) share of card payments — H2 2025 (provisional)
AreaValue and caveatRank
Malta41.9 % 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 21 of 25
Portugal33.4 % 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 22 of 25
Ireland32.0 % 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 23 of 25
Cyprus30.4 % 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 24 of 25
Romania27.9 % 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 25 of 25
Lithuania27.2 % 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 26 of 25
Bulgaria24.8 % 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 27 of 25
Greece23.3 % 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 28 of 25
France21.6 % 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 29 of 25
Luxembourg21.5 % 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 210 of 25
Belgium21.4 % 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 211 of 25
Austria20.8 % 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 212 of 25
Finland20.5 % 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 213 of 25
Czechia20.3 % 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 214 of 25
Slovakia19.8 % 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 215 of 25
Hungary19.6 % 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 216 of 25
Spain19.1 % 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 217 of 25
Croatia17.6 % 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 218 of 25
Estonia17.1 % 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 219 of 25
Italy17.1 % 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 220 of 25
Latvia15.6 % 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 221 of 25
Slovenia12.9 % 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 222 of 25
Germany12.6 % 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 223 of 25
Poland10.5 % 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 224 of 25
Netherlands5.1 % 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 225 of 25
Euro area19.0 % 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 2ECB aggregate — unranked
European Union18.6 % 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 2ECB aggregate — unranked

Remotely initiated share of electronic credit transfers

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

Remotely initiated share of electronic credit transfers — H2 2025 (provisional)
AreaValue and caveatRank
Estonia100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 21 of 20
Hungary100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 22 of 20
Cyprus100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 23 of 20
Lithuania100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 24 of 20
Bulgaria100.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 25 of 20
Slovakia99.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 26 of 20
Ireland99.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 27 of 20
Luxembourg99.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 28 of 20
Slovenia99.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 29 of 20
Malta99.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 210 of 20
Spain99.1 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 211 of 20
Greece98.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 212 of 20
France98.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 213 of 20
Romania98.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 214 of 20
Latvia97.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 215 of 20
Belgium97.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 216 of 20
Germany96.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 217 of 20
Austria95.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 218 of 20
Croatia94.8 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 219 of 20
Poland94.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 220 of 20
CzechiaWithheld: 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 2Unranked
FinlandWithheld: 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 2Unranked
ItalyWithheld: 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 2Unranked
NetherlandsWithheld: 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 2Unranked
PortugalWithheld: 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 2Unranked
Euro area98.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2ECB aggregate — unranked
European Union97.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2ECB aggregate — unranked

E-commerce credit transfers

ECB published series: ECB:PCT:H.{area}.W0.1.2211._T.CTS_ALL._X._Z.N.PN

E-commerce credit transfers — H2 2025 (provisional)
AreaValue and caveatRank
Netherlands732.1 million transactions ECB series 11 of 24
Germany110.1 million transactions ECB series 12 of 24
Ireland95.5 million transactions ECB series 13 of 24
Hungary62.3 million transactions ECB series 14 of 24
Spain51.0 million transactions ECB series 15 of 24
Estonia49.8 million transactions ECB series 16 of 24
Poland36.0 million transactions ECB series 17 of 24
Finland33.3 million transactions ECB series 18 of 24
Portugal28.8 million transactions ECB series 19 of 24
Latvia25.3 million transactions ECB series 110 of 24
Luxembourg21.2 million transactions ECB series 111 of 24
Slovakia17.3 million transactions ECB series 112 of 24
Austria9.1 million transactions ECB series 113 of 24
Lithuania8.5 million transactions ECB series 114 of 24
Croatia7.6 million transactions ECB series 115 of 24
Czechia7.4 million transactions ECB series 116 of 24
Italy5.3 million transactions ECB series 117 of 24
Belgium4.7 million transactions ECB series 118 of 24
Greece4.3 million transactions ECB series 119 of 24
France2.3 million transactions ECB series 120 of 24
Romania1.8 million transactions ECB series 121 of 24
Slovenia0.1 million transactions ECB series 122 of 24
Cyprus0.0 million transactions ECB series 123 of 24
Bulgaria0.0 million transactions ECB series 124 of 24
MaltaNot published by the ECB for this country/period ECB series 1Unranked
Euro area1,208.4 million transactions ECB series 1ECB aggregate — unranked
European Union1,315.8 million transactions ECB series 1ECB aggregate — unranked

Card payments via mobile payment solutions

ECB published series: ECB:PCP:H.{area}.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN

Card payments via mobile payment solutions — H2 2025 (provisional)
AreaValue and caveatRank
Spain418.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 11 of 24
France377.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 12 of 24
Poland352.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 13 of 24
Italy246.5 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 14 of 24
Germany196.6 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 15 of 24
Romania171.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 16 of 24
Czechia166.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 17 of 24
Lithuania150.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 18 of 24
Finland143.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 19 of 24
Netherlands132.7 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 110 of 24
Ireland116.7 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 111 of 24
Portugal115.9 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 112 of 24
Greece96.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 113 of 24
Belgium77.4 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 114 of 24
Slovakia52.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 115 of 24
Hungary32.7 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 116 of 24
Bulgaria22.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 117 of 24
Latvia18.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 118 of 24
Estonia15.3 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 119 of 24
Cyprus15.2 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 120 of 24
Croatia7.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 121 of 24
Luxembourg4.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 122 of 24
Austria3.8 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 123 of 24
Slovenia2.7 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 124 of 24
MaltaNot published by the ECB for this country/period Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1Unranked
Euro area2,197.0 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1ECB aggregate — unranked
European Union2,941.1 million transactions Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1ECB aggregate — unranked

Credit transfers via mobile payment solutions

ECB published series: ECB:PCT:H.{area}.W0.1.2230._T.CTS_ALL._X._Z.N.PN

Credit transfers via mobile payment solutions — H2 2025 (provisional)
AreaValue and caveatRank
Poland1,251.3 million transactions ECB series 11 of 21
Spain674.1 million transactions ECB series 12 of 21
Belgium619.6 million transactions ECB series 13 of 21
France289.1 million transactions ECB series 14 of 21
Lithuania227.3 million transactions ECB series 15 of 21
Romania176.2 million transactions ECB series 16 of 21
Italy164.6 million transactions ECB series 17 of 21
Ireland143.3 million transactions ECB series 18 of 21
Slovakia89.6 million transactions ECB series 19 of 21
Hungary76.4 million transactions ECB series 110 of 21
Germany75.2 million transactions ECB series 111 of 21
Greece63.7 million transactions ECB series 112 of 21
Bulgaria47.2 million transactions ECB series 113 of 21
Estonia30.9 million transactions ECB series 114 of 21
Latvia19.1 million transactions ECB series 115 of 21
Slovenia14.6 million transactions ECB series 116 of 21
Croatia12.7 million transactions ECB series 117 of 21
Finland10.4 million transactions ECB series 118 of 21
Luxembourg7.4 million transactions ECB series 119 of 21
Cyprus5.4 million transactions ECB series 120 of 21
Czechia0.0 million transactions ECB series 121 of 21
AustriaNot published by the ECB for this country/period ECB series 1Unranked
MaltaNot published by the ECB for this country/period ECB series 1Unranked
NetherlandsNot published by the ECB for this country/period ECB series 1Unranked
PortugalNot published by the ECB for this country/period ECB series 1Unranked
Euro area2,787.1 million transactions ECB series 1ECB aggregate — unranked
European Union4,291.0 million transactions ECB series 1ECB aggregate — unranked

Person-to-person mobile credit transfers

ECB published series: ECB:PCT:H.{area}.W0.1.2231._T.CTS_ALL._X._Z.N.PN

Person-to-person mobile credit transfers — H2 2025 (provisional)
AreaValue and caveatRank
Spain598.9 million transactions ECB series 11 of 22
Poland378.4 million transactions ECB series 12 of 22
Lithuania208.8 million transactions ECB series 13 of 22
Romania138.5 million transactions ECB series 14 of 22
France122.0 million transactions ECB series 15 of 22
Ireland118.5 million transactions ECB series 16 of 22
Belgium100.7 million transactions ECB series 17 of 22
Greece40.0 million transactions ECB series 18 of 22
Germany16.8 million transactions ECB series 19 of 22
Estonia14.8 million transactions ECB series 110 of 22
Italy9.5 million transactions ECB series 111 of 22
Slovenia8.8 million transactions ECB series 112 of 22
Latvia7.4 million transactions ECB series 113 of 22
Finland6.7 million transactions ECB series 114 of 22
Luxembourg6.1 million transactions ECB series 115 of 22
Croatia2.9 million transactions ECB series 116 of 22
Bulgaria1.0 million transactions ECB series 117 of 22
Slovakia0.5 million transactions ECB series 118 of 22
Austria0.0 million transactions ECB series 119 of 22
Cyprus0.0 million transactions ECB series 119 of 22
Czechia0.0 million transactions ECB series 119 of 22
Hungary0.0 million transactions ECB series 119 of 22
MaltaNot published by the ECB for this country/period ECB series 1Unranked
NetherlandsNot published by the ECB for this country/period ECB series 1Unranked
PortugalNot published by the ECB for this country/period ECB series 1Unranked
Euro area1,269.5 million transactions ECB series 1ECB aggregate — unranked
European Union1,786.4 million transactions ECB series 1ECB aggregate — unranked

Credit transfers initiated by payment initiation services

ECB published series: ECB:PCT:H.{area}.W0.1.5000._T.CTS_ALL._X._Z.N.PN

Credit transfers initiated by payment initiation services — H2 2025 (provisional)
AreaValue and caveatRank
Germany86.8 million transactions ECB series 11 of 23
Poland46.7 million transactions ECB series 12 of 23
Lithuania44.5 million transactions ECB series 13 of 23
Latvia20.8 million transactions ECB series 14 of 23
Belgium19.6 million transactions ECB series 15 of 23
Estonia16.8 million transactions ECB series 16 of 23
France10.0 million transactions ECB series 17 of 23
Czechia4.6 million transactions ECB series 18 of 23
Austria3.1 million transactions ECB series 19 of 23
Spain2.7 million transactions ECB series 110 of 23
Ireland2.6 million transactions ECB series 111 of 23
Romania1.9 million transactions ECB series 112 of 23
Luxembourg1.8 million transactions ECB series 113 of 23
Italy0.9 million transactions ECB series 114 of 23
Slovakia0.9 million transactions ECB series 115 of 23
Portugal0.5 million transactions ECB series 116 of 23
Croatia0.2 million transactions ECB series 117 of 23
Hungary0.1 million transactions ECB series 118 of 23
Bulgaria0.0 million transactions ECB series 119 of 23
Greece0.0 million transactions ECB series 120 of 23
Slovenia0.0 million transactions ECB series 121 of 23
Cyprus0.0 million transactions ECB series 122 of 23
Finland0.0 million transactions ECB series 122 of 23
MaltaNot published by the ECB for this country/period ECB series 1Unranked
NetherlandsNot published by the ECB for this country/period ECB series 1Unranked
Euro area229.0 million transactions ECB series 1ECB aggregate — unranked
European Union282.2 million transactions ECB series 1ECB aggregate — unranked