European Payments & Fraud Review — H2 2025

H2 2025 European payments and fraud: SEPA Instant adoption, cards, cash, e-money and country changes against H1, from a fixed ECB payments mart build.

All editions · EU Payments Monitor

Observation cutoff: 2025-12-31 (2025-H2; provisional in this captured release). Comparison period: 2025-H1.

Fixed mart build: pay-20261001T151118-9939dc2e. Build completed: 2026-10-01T15:12:28.972Z. Public API retrieved: 2026-10-01T15:13:25.525Z.

Source: European Central Bank, payment statistics (half-yearly). Scrolld derives the shares and rates shown as derived; every figure links to its ECB series.

This edition’s public mart catalogue contains 81 metric definitions. Coverage below follows that captured catalogue, including its gaps.

Executive summary

SEPA Instant share of credit transfers (number): Spain recorded the highest published value (37.3 %) and Hungary the lowest (0.0 %) among 25 ranked countries in H2 2025. Evidence and caveats
SEPA Instant share of credit transfers (number): the largest absolute H1-to-H2 2025 change among comparable countries was Portugal: 18.9 % in H1 to 31.5 % in H2 (+12.6 percentage points) — a Scrolld comparison of two published values. Evidence and caveats
SEPA Instant’s share of credit transfers was 17.3 % for the ECB euro-area aggregate and 13.8 % for the ECB EU aggregate in H2 2025 (+3.6 percentage points, euro area minus EU; Scrolld comparison). Evidence and caveats
Contactless share of card payments (number): Netherlands recorded the highest published value (87.3 %) and Portugal the lowest (40.2 %) among 25 ranked countries in H2 2025. Evidence and caveats
Card cash withdrawals per 100 card payments: the largest absolute H1-to-H2 2025 change among comparable countries was Bulgaria: 19.7 per 100 card payments in H1 to 17.6 per 100 card payments in H2 (-2.1 per 100 card payments) — a Scrolld comparison of two published values. Evidence and caveats
E-money payments: Luxembourg recorded the highest published value (2,796.1 million transactions) and Poland the lowest (<0.1 million transactions) among 23 ranked countries in H2 2025. Evidence and caveats
Card payment fraud rate (issuer side): Luxembourg recorded the highest published value (4.75 basis points of value) and Portugal the lowest (0.44 basis points of value) among 20 ranked countries in H2 2025. Higher fraud is not a better outcome. Evidence and caveats

Instant payments

How to read this: SEPA Instant adoption is the mart’s share of all credit transfers by number, not the ECB’s separate SCT Inst share of SEPA transfers. National instant schemes outside SEPA Instant are excluded. These observations do not establish regulatory compliance or causation.

The Instant Payments Regulation (EU) 2024/886 introduced phased receipt and sending obligations in the euro area during 2025, with later deadlines and exceptions for some providers. H2 includes the main October sending deadline, but this report does not attribute changes to the regulation. ECB regulation context and milestones.

SEPA Instant share of credit transfers (number)

Share or rate supplied by the mart; 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.

H2 country coverage: 25 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

SEPA Instant share of credit transfers (number) — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
European Union	ECB aggregate — unranked	11.7 %	13.8 %	+2.0 percentage points
Euro area	ECB aggregate — unranked	14.6 %	17.3 %	+2.8 percentage points

Country ranking and half-year changes — SEPA Instant share of credit transfers (number)

SEPA Instant share of credit transfers (number) — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
Spain	1 of 25	34.7 %	37.3 %	+2.6 percentage points
Slovenia	2 of 25	25.3 %	33.3 %	+8.0 percentage points
Portugal	3 of 25	18.9 %	31.5 %	+12.6 percentage points
Estonia	4 of 25	25.3 %	26.4 %	+1.1 percentage points
Slovakia	5 of 25	22.8 %	26.1 %	+3.3 percentage points
Belgium	6 of 25	21.1 %	26.0 %	+4.8 percentage points
Malta	7 of 25	21.7 %	25.9 %	+4.2 percentage points
Latvia	8 of 25	22.2 %	23.9 %	+1.7 percentage points
Lithuania	9 of 25	19.6 %	21.0 %	+1.4 percentage points
France	10 of 25	15.1 %	18.3 %	+3.2 percentage points
Greece	11 of 25	12.9 %	14.7 %	+1.8 percentage points
Italy	12 of 25	10.4 %	13.9 %	+3.5 percentage points
Netherlands	13 of 25	13.2 %	13.8 %	+0.6 percentage points
Finland	14 of 25	9.4 %	11.5 %	+2.1 percentage points
Germany	15 of 25	7.3 %	10.1 %	+2.8 percentage points
Luxembourg	16 of 25	9.6 %	9.9 %	+0.3 percentage points
Ireland	17 of 25	7.9 %	9.2 %	+1.3 percentage points
Austria	18 of 25	6.5 %	8.9 %	+2.4 percentage points
Cyprus	19 of 25	4.5 %	6.3 %	+1.8 percentage points
Croatia	20 of 25	1.0 %	1.6 %	+0.6 percentage points
Bulgaria	21 of 25	0.6 %	0.7 %	+<0.1 percentage points
Romania	22 of 25	0.5 %	0.7 %	+0.2 percentage points
Czechia	23 of 25	<0.1 %	<0.1 %	+<0.1 percentage points
Poland	24 of 25	<0.1 %	<0.1 %	−<0.1 percentage points
Hungary	25 of 25	0.0 %	0.0 %	0.0 percentage points
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

SEPA Instant credit transfers sent

ECB published value, as supplied by the mart. 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.

H2 country coverage: 25 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

SEPA Instant credit transfers sent — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (million transactions)
European Union	ECB aggregate — unranked	2,460.7 million transactions	3,089.2 million transactions	+628.5 million transactions
Euro area	ECB aggregate — unranked	2,458.2 million transactions	3,085.5 million transactions	+627.3 million transactions

Country ranking and half-year changes — SEPA Instant credit transfers sent

SEPA Instant credit transfers sent — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (million transactions)
Spain	1 of 25	549.3 million transactions	636.1 million transactions	+86.8 million transactions
France	2 of 25	467.5 million transactions	598.7 million transactions	+131.2 million transactions
Germany	3 of 25	281.3 million transactions	398.4 million transactions	+117.0 million transactions
Netherlands	4 of 25	300.7 million transactions	321.6 million transactions	+21.0 million transactions
Belgium	5 of 25	238.1 million transactions	305.9 million transactions	+67.7 million transactions
Italy	6 of 25	121.3 million transactions	176.9 million transactions	+55.6 million transactions
Lithuania	7 of 25	102.4 million transactions	116.0 million transactions	+13.6 million transactions
Portugal	8 of 25	46.3 million transactions	94.2 million transactions	+47.9 million transactions
Finland	9 of 25	58.8 million transactions	74.1 million transactions	+15.4 million transactions
Slovakia	10 of 25	60.6 million transactions	73.1 million transactions	+12.5 million transactions
Ireland	11 of 25	48.0 million transactions	63.2 million transactions	+15.3 million transactions
Greece	12 of 25	47.0 million transactions	58.9 million transactions	+11.9 million transactions
Latvia	13 of 25	36.7 million transactions	40.9 million transactions	+4.2 million transactions
Austria	14 of 25	28.5 million transactions	40.2 million transactions	+11.7 million transactions
Estonia	15 of 25	35.4 million transactions	38.4 million transactions	+3.1 million transactions
Slovenia	16 of 25	23.9 million transactions	32.7 million transactions	+8.8 million transactions
Luxembourg	17 of 25	7.0 million transactions	8.0 million transactions	+1.0 million transactions
Croatia	18 of 25	2.0 million transactions	3.5 million transactions	+1.5 million transactions
Romania	19 of 25	2.2 million transactions	3.5 million transactions	+1.3 million transactions
Malta	20 of 25	2.3 million transactions	2.9 million transactions	+0.6 million transactions
Cyprus	21 of 25	1.2 million transactions	1.8 million transactions	+0.6 million transactions
Bulgaria	22 of 25	0.9 million transactions	1.1 million transactions	+0.3 million transactions
Czechia	23 of 25	0.1 million transactions	0.2 million transactions	+<0.1 million transactions
Poland	24 of 25	0.1 million transactions	<0.1 million transactions	-0.1 million transactions
Hungary	25 of 25	0.0 million transactions	0.0 million transactions	0.0 million transactions
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

SEPA Instant credit transfers sent, value

H2 country coverage: 25 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

SEPA Instant credit transfers sent, value — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (EUR million)
European Union	ECB aggregate — unranked	1,496,757.0 EUR million	2,266,923.0 EUR million	+770,166.0 EUR million
Euro area	ECB aggregate — unranked	1,489,770.9 EUR million	2,265,400.8 EUR million	+775,630.0 EUR million

Country ranking and half-year changes — SEPA Instant credit transfers sent, value

SEPA Instant credit transfers sent, value — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (EUR million)
Netherlands	1 of 25	383,416.3 EUR million	492,216.4 EUR million	+108,800.1 EUR million
Germany	2 of 25	204,469.7 EUR million	405,881.6 EUR million	+201,411.9 EUR million
France	3 of 25	206,021.5 EUR million	298,720.4 EUR million	+92,699.0 EUR million
Belgium	4 of 25	180,306.0 EUR million	244,502.3 EUR million	+64,196.4 EUR million
Spain	5 of 25	123,965.6 EUR million	215,753.3 EUR million	+91,787.7 EUR million
Italy	6 of 25	89,529.9 EUR million	144,500.4 EUR million	+54,970.5 EUR million
Finland	7 of 25	81,475.8 EUR million	99,262.0 EUR million	+17,786.2 EUR million
Portugal	8 of 25	46,119.4 EUR million	86,100.2 EUR million	+39,980.8 EUR million
Lithuania	9 of 25	38,489.3 EUR million	54,177.8 EUR million	+15,688.5 EUR million
Austria	10 of 25	29,818.5 EUR million	53,332.3 EUR million	+23,513.8 EUR million
Ireland	11 of 25	21,051.0 EUR million	37,597.5 EUR million	+16,546.5 EUR million
Slovakia	12 of 25	16,997.3 EUR million	26,680.3 EUR million	+9,683.0 EUR million
Greece	13 of 25	17,457.9 EUR million	23,740.6 EUR million	+6,282.7 EUR million
Estonia	14 of 25	15,457.7 EUR million	22,237.8 EUR million	+6,780.1 EUR million
Latvia	15 of 25	14,137.4 EUR million	20,633.8 EUR million	+6,496.4 EUR million
Slovenia	16 of 25	9,106.6 EUR million	16,234.7 EUR million	+7,128.0 EUR million
Croatia	17 of 25	1,590.9 EUR million	9,283.6 EUR million	+7,692.7 EUR million
Luxembourg	18 of 25	4,793.9 EUR million	6,781.3 EUR million	+1,987.4 EUR million
Malta	19 of 25	4,172.2 EUR million	5,093.2 EUR million	+921.0 EUR million
Cyprus	20 of 25	1,393.9 EUR million	2,671.4 EUR million	+1,277.5 EUR million
Bulgaria	21 of 25	552.2 EUR million	1,133.8 EUR million	+581.6 EUR million
Romania	22 of 25	619.5 EUR million	1,011.2 EUR million	+391.8 EUR million
Czechia	23 of 25	332.4 EUR million	508.0 EUR million	+175.7 EUR million
Poland	24 of 25	6,034.3 EUR million	2.9 EUR million	-6,031.4 EUR million
Hungary	25 of 25	0.0 EUR million	0.0 EUR million	0.0 EUR million
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Cards, contactless & mobile

How to read this: Card payments are counted on the issuer side, wherever the card is used. EU-wide issuers can make Lithuania and Luxembourg look unusually large. Contactless and mobile are overlapping classifications and must not be added together.

Card payments (issuer side)

ECB published value, as supplied by the mart. 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.

H2 country coverage: 25 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Card payments (issuer side) — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (million transactions)
European Union	ECB aggregate — unranked	53,539.7 million transactions	58,285.4 million transactions	+4,745.7 million transactions
Euro area	ECB aggregate — unranked	43,896.9 million transactions	47,811.7 million transactions	+3,914.8 million transactions

Country ranking and half-year changes — Card payments (issuer side)

Card payments (issuer side) — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (million transactions)
France	1 of 25	10,610.9 million transactions	11,431.8 million transactions	+820.9 million transactions
Germany	2 of 25	7,040.7 million transactions	7,492.0 million transactions	+451.2 million transactions
Spain	3 of 25	6,178.4 million transactions	6,831.3 million transactions	+652.9 million transactions
Poland	4 of 25	5,213.0 million transactions	5,518.4 million transactions	+305.4 million transactions
Italy	5 of 25	4,473.9 million transactions	5,099.7 million transactions	+625.8 million transactions
Netherlands	6 of 25	3,293.6 million transactions	3,495.7 million transactions	+202.1 million transactions
Belgium	7 of 25	2,042.6 million transactions	2,251.3 million transactions	+208.7 million transactions
Lithuania	8 of 25	1,664.1 million transactions	1,818.8 million transactions	+154.7 million transactions
Romania	9 of 25	1,515.7 million transactions	1,761.2 million transactions	+245.5 million transactions
Czechia	10 of 25	1,583.9 million transactions	1,743.4 million transactions	+159.5 million transactions
Ireland	11 of 25	1,570.2 million transactions	1,731.6 million transactions	+161.5 million transactions
Portugal	12 of 25	1,483.9 million transactions	1,577.1 million transactions	+93.2 million transactions
Finland	13 of 25	1,224.3 million transactions	1,347.1 million transactions	+122.8 million transactions
Greece	14 of 25	1,186.4 million transactions	1,286.7 million transactions	+100.3 million transactions
Hungary	15 of 25	1,011.2 million transactions	1,094.9 million transactions	+83.6 million transactions
Austria	16 of 25	997.8 million transactions	1,084.6 million transactions	+86.8 million transactions
Slovakia	17 of 25	579.0 million transactions	638.9 million transactions	+59.9 million transactions
Croatia	18 of 25	391.6 million transactions	429.4 million transactions	+37.8 million transactions
Bulgaria	19 of 25	318.9 million transactions	355.7 million transactions	+36.8 million transactions
Luxembourg	20 of 25	242.4 million transactions	300.4 million transactions	+58.0 million transactions
Latvia	21 of 25	270.3 million transactions	289.0 million transactions	+18.7 million transactions
Estonia	22 of 25	250.8 million transactions	269.7 million transactions	+18.9 million transactions
Slovenia	23 of 25	209.2 million transactions	229.5 million transactions	+20.2 million transactions
Cyprus	24 of 25	119.4 million transactions	131.4 million transactions	+12.0 million transactions
Malta	25 of 25	67.3 million transactions	75.6 million transactions	+8.3 million transactions
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Card payments, value

H2 country coverage: 25 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Card payments, value — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (EUR million)
European Union	ECB aggregate — unranked	1,898,212.8 EUR million	2,084,256.7 EUR million	+186,043.8 EUR million
Euro area	ECB aggregate — unranked	1,684,607.8 EUR million	1,846,110.6 EUR million	+161,502.8 EUR million

Country ranking and half-year changes — Card payments, value

Card payments, value — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (EUR million)
France	1 of 25	423,869.1 EUR million	456,384.8 EUR million	+32,515.7 EUR million
Germany	2 of 25	295,655.6 EUR million	309,764.4 EUR million	+14,108.8 EUR million
Italy	3 of 25	196,732.9 EUR million	220,595.6 EUR million	+23,862.8 EUR million
Spain	4 of 25	195,023.8 EUR million	219,424.8 EUR million	+24,401.0 EUR million
Netherlands	5 of 25	99,256.5 EUR million	106,620.5 EUR million	+7,364.0 EUR million
Poland	6 of 25	96,732.6 EUR million	104,325.5 EUR million	+7,592.9 EUR million
Ireland	7 of 25	86,725.0 EUR million	100,122.7 EUR million	+13,397.7 EUR million
Belgium	8 of 25	85,889.7 EUR million	93,660.8 EUR million	+7,771.1 EUR million
Portugal	9 of 25	74,926.0 EUR million	86,264.2 EUR million	+11,338.2 EUR million
Lithuania	10 of 25	44,566.2 EUR million	50,242.6 EUR million	+5,676.4 EUR million
Austria	11 of 25	41,998.0 EUR million	46,278.2 EUR million	+4,280.3 EUR million
Romania	12 of 25	40,642.1 EUR million	46,188.5 EUR million	+5,546.4 EUR million
Czechia	13 of 25	37,152.6 EUR million	42,866.3 EUR million	+5,713.6 EUR million
Finland	14 of 25	36,451.6 EUR million	40,098.8 EUR million	+3,647.1 EUR million
Greece	15 of 25	33,434.6 EUR million	37,287.2 EUR million	+3,852.6 EUR million
Hungary	16 of 25	27,263.0 EUR million	31,277.9 EUR million	+4,014.9 EUR million
Slovakia	17 of 25	15,305.4 EUR million	17,440.8 EUR million	+2,135.4 EUR million
Croatia	18 of 25	12,335.9 EUR million	14,147.6 EUR million	+1,811.7 EUR million
Luxembourg	19 of 25	11,904.2 EUR million	13,940.3 EUR million	+2,036.1 EUR million
Bulgaria	20 of 25	11,814.7 EUR million	13,488.0 EUR million	+1,673.3 EUR million
Cyprus	21 of 25	7,699.9 EUR million	8,663.2 EUR million	+963.3 EUR million
Slovenia	22 of 25	6,914.5 EUR million	7,574.1 EUR million	+659.6 EUR million
Estonia	23 of 25	5,789.0 EUR million	6,410.6 EUR million	+621.6 EUR million
Latvia	24 of 25	5,318.4 EUR million	5,837.0 EUR million	+518.6 EUR million
Malta	25 of 25	4,811.5 EUR million	5,352.2 EUR million	+540.7 EUR million
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Contactless share of card payments (number)

Share or rate supplied by the mart; derived by Scrolld from ECB inputs.

H2 country coverage: 25 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Contactless share of card payments (number) — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
European Union	ECB aggregate — unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.B0.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.B0.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN`	Not comparable — both half-years must have published values
Euro area	ECB aggregate — unranked	67.8 %	68.9 %	+1.1 percentage points

Country ranking and half-year changes — Contactless share of card payments (number)

Contactless share of card payments (number) — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
Netherlands	1 of 25	87.2 %	87.3 %	+0.1 percentage points
Slovenia	2 of 25	85.4 %	84.9 %	-0.5 percentage points
Poland	3 of 25	81.3 %	84.1 %	+2.7 percentage points
Croatia	4 of 25	79.2 %	80.1 %	+0.9 percentage points
Hungary	5 of 25	79.0 %	78.7 %	-0.2 percentage points
Spain	6 of 25	77.2 %	77.3 %	+<0.1 percentage points
Slovakia	7 of 25	77.5 %	77.2 %	-0.3 percentage points
Czechia	8 of 25	74.9 %	76.2 %	+1.3 percentage points
Austria	9 of 25	76.6 %	75.9 %	-0.7 percentage points
Latvia	10 of 25	75.3 %	75.4 %	+0.1 percentage points
Italy	11 of 25	72.9 %	75.2 %	+2.2 percentage points
Germany	12 of 25	74.2 %	75.0 %	+0.8 percentage points
Greece	13 of 25	65.5 %	74.9 %	+9.4 percentage points
Luxembourg	14 of 25	70.3 %	73.6 %	+3.3 percentage points
Bulgaria	15 of 25	70.0 %	70.4 %	+0.4 percentage points
Lithuania	16 of 25	67.5 %	68.8 %	+1.3 percentage points
Romania	17 of 25	69.0 %	67.7 %	-1.3 percentage points
Finland	18 of 25	67.0 %	67.5 %	+0.5 percentage points
Estonia	19 of 25	66.3 %	66.9 %	+0.5 percentage points
Ireland	20 of 25	60.2 %	60.0 %	-0.2 percentage points
Belgium	21 of 25	56.1 %	56.9 %	+0.7 percentage points
France	22 of 25	55.7 %	56.8 %	+1.1 percentage points
Malta	23 of 25	52.5 %	53.2 %	+0.7 percentage points
Cyprus	24 of 25	44.0 %	46.7 %	+2.7 percentage points
Portugal	25 of 25	37.7 %	40.2 %	+2.4 percentage points
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Card payments via mobile payment solutions

ECB published value, as supplied by the mart.

H2 country coverage: 24 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Card payments via mobile payment solutions — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (million transactions)
European Union	ECB aggregate — unranked	2,411.7 million transactions	2,941.1 million transactions	+529.4 million transactions
Euro area	ECB aggregate — unranked	1,822.1 million transactions	2,197.0 million transactions	+374.9 million transactions

Country ranking and half-year changes — Card payments via mobile payment solutions

Card payments via mobile payment solutions — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (million transactions)
Spain	1 of 24	312.4 million transactions	418.0 million transactions	+105.7 million transactions
France	2 of 24	284.7 million transactions	377.1 million transactions	+92.4 million transactions
Poland	3 of 24	298.1 million transactions	352.2 million transactions	+54.1 million transactions
Italy	4 of 24	199.6 million transactions	246.5 million transactions	+47.0 million transactions
Germany	5 of 24	162.8 million transactions	196.6 million transactions	+33.8 million transactions
Romania	6 of 24	108.7 million transactions	171.0 million transactions	+62.3 million transactions
Czechia	7 of 24	136.7 million transactions	166.2 million transactions	+29.4 million transactions
Lithuania	8 of 24	127.3 million transactions	150.0 million transactions	+22.7 million transactions
Finland	9 of 24	115.1 million transactions	143.3 million transactions	+28.2 million transactions
Netherlands	10 of 24	113.0 million transactions	132.7 million transactions	+19.8 million transactions
Ireland	11 of 24	95.9 million transactions	116.7 million transactions	+20.8 million transactions
Portugal	12 of 24	158.8 million transactions	115.9 million transactions	-42.9 million transactions
Greece	13 of 24	87.2 million transactions	96.2 million transactions	+9.0 million transactions
Belgium	14 of 24	62.6 million transactions	77.4 million transactions	+14.8 million transactions
Slovakia	15 of 24	41.9 million transactions	52.3 million transactions	+10.4 million transactions
Hungary	16 of 24	26.1 million transactions	32.7 million transactions	+6.6 million transactions
Bulgaria	17 of 24	20.0 million transactions	22.1 million transactions	+2.1 million transactions
Latvia	18 of 24	15.5 million transactions	18.1 million transactions	+2.7 million transactions
Estonia	19 of 24	13.2 million transactions	15.3 million transactions	+2.1 million transactions
Cyprus	20 of 24	12.5 million transactions	15.2 million transactions	+2.7 million transactions
Croatia	21 of 24	5.3 million transactions	7.1 million transactions	+1.8 million transactions
Luxembourg	22 of 24	3.0 million transactions	4.0 million transactions	+1.0 million transactions
Austria	23 of 24	3.0 million transactions	3.8 million transactions	+0.8 million transactions
Slovenia	24 of 24	1.7 million transactions	2.7 million transactions	+1.0 million transactions
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Malta	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.MT.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.MT.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Cash vs cards

How to read this: Cash withdrawals are not cash purchases. Withdrawals per card payment measure withdrawal activity relative to card use, not cash’s share of spending. Per-inhabitant card figures are published by the ECB, not calculated here.

Card cash withdrawals per 100 card payments

Share or rate supplied by the mart; derived by Scrolld from ECB inputs.

H2 country coverage: 25 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Card cash withdrawals per 100 card payments — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (per 100 card payments)
European Union	ECB aggregate — unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.B0.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.B0.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`	Not comparable — both half-years must have published values
Euro area	ECB aggregate — unranked	6.1 per 100 card payments	5.6 per 100 card payments	-0.4 per 100 card payments

Country ranking and half-year changes — Card cash withdrawals per 100 card payments

Card cash withdrawals per 100 card payments — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (per 100 card payments)
Bulgaria	1 of 25	19.7 per 100 card payments	17.6 per 100 card payments	-2.1 per 100 card payments
Portugal	2 of 25	11.6 per 100 card payments	11.2 per 100 card payments	-0.4 per 100 card payments
Croatia	3 of 25	11.5 per 100 card payments	10.5 per 100 card payments	-1.0 per 100 card payments
Slovenia	4 of 25	10.2 per 100 card payments	9.4 per 100 card payments	-0.8 per 100 card payments
Germany	5 of 25	9.7 per 100 card payments	9.3 per 100 card payments	-0.5 per 100 card payments
Austria	6 of 25	9.7 per 100 card payments	9.2 per 100 card payments	-0.5 per 100 card payments
Italy	7 of 25	8.9 per 100 card payments	7.9 per 100 card payments	-0.9 per 100 card payments
Romania	8 of 25	8.5 per 100 card payments	7.4 per 100 card payments	-1.1 per 100 card payments
Estonia	9 of 25	6.8 per 100 card payments	6.4 per 100 card payments	-0.4 per 100 card payments
Malta	10 of 25	6.2 per 100 card payments	5.5 per 100 card payments	-0.7 per 100 card payments
Slovakia	11 of 25	5.8 per 100 card payments	5.4 per 100 card payments	-0.4 per 100 card payments
Cyprus	12 of 25	5.6 per 100 card payments	5.1 per 100 card payments	-0.5 per 100 card payments
Spain	13 of 25	5.3 per 100 card payments	4.9 per 100 card payments	-0.4 per 100 card payments
Greece	14 of 25	5.1 per 100 card payments	4.8 per 100 card payments	-0.3 per 100 card payments
France	15 of 25	4.8 per 100 card payments	4.4 per 100 card payments	-0.3 per 100 card payments
Latvia	16 of 25	4.6 per 100 card payments	4.3 per 100 card payments	-0.3 per 100 card payments
Czechia	17 of 25	4.3 per 100 card payments	4.1 per 100 card payments	-0.2 per 100 card payments
Hungary	18 of 25	4.0 per 100 card payments	3.8 per 100 card payments	-0.3 per 100 card payments
Poland	19 of 25	3.7 per 100 card payments	3.5 per 100 card payments	-0.2 per 100 card payments
Belgium	20 of 25	3.4 per 100 card payments	3.2 per 100 card payments	-0.2 per 100 card payments
Ireland	21 of 25	3.0 per 100 card payments	2.8 per 100 card payments	-0.3 per 100 card payments
Luxembourg	22 of 25	3.2 per 100 card payments	2.6 per 100 card payments	-0.6 per 100 card payments
Netherlands	23 of 25	2.5 per 100 card payments	2.4 per 100 card payments	−<0.1 per 100 card payments
Lithuania	24 of 25	2.6 per 100 card payments	2.2 per 100 card payments	-0.3 per 100 card payments
Finland	25 of 25	2.0 per 100 card payments	1.9 per 100 card payments	-0.1 per 100 card payments
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Cash withdrawals with cards

ECB published value, as supplied by the mart.

H2 country coverage: 25 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Cash withdrawals with cards — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (million transactions)
European Union	ECB aggregate — unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Euro area	ECB aggregate — unranked	2,663.2 million transactions	2,698.4 million transactions	+35.2 million transactions

Country ranking and half-year changes — Cash withdrawals with cards

Cash withdrawals with cards — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (million transactions)
Germany	1 of 25	685.9 million transactions	693.1 million transactions	+7.2 million transactions
France	2 of 25	506.5 million transactions	506.4 million transactions	-0.1 million transactions
Italy	3 of 25	396.1 million transactions	404.1 million transactions	+8.0 million transactions
Spain	4 of 25	328.7 million transactions	334.5 million transactions	+5.8 million transactions
Poland	5 of 25	194.1 million transactions	194.2 million transactions	+<0.1 million transactions
Portugal	6 of 25	172.4 million transactions	176.6 million transactions	+4.1 million transactions
Romania	7 of 25	128.9 million transactions	130.3 million transactions	+1.5 million transactions
Austria	8 of 25	97.0 million transactions	100.0 million transactions	+3.0 million transactions
Netherlands	9 of 25	82.3 million transactions	85.0 million transactions	+2.7 million transactions
Belgium	10 of 25	69.5 million transactions	72.3 million transactions	+2.8 million transactions
Czechia	11 of 25	68.2 million transactions	72.2 million transactions	+4.0 million transactions
Bulgaria	12 of 25	62.9 million transactions	62.5 million transactions	-0.4 million transactions
Greece	13 of 25	61.0 million transactions	61.9 million transactions	+0.9 million transactions
Ireland	14 of 25	47.6 million transactions	48.0 million transactions	+0.4 million transactions
Croatia	15 of 25	45.0 million transactions	45.2 million transactions	+0.2 million transactions
Hungary	16 of 25	40.9 million transactions	41.2 million transactions	+0.3 million transactions
Lithuania	17 of 25	42.9 million transactions	40.9 million transactions	-2.0 million transactions
Slovakia	18 of 25	33.5 million transactions	34.3 million transactions	+0.9 million transactions
Finland	19 of 25	25.1 million transactions	26.2 million transactions	+1.1 million transactions
Slovenia	20 of 25	21.4 million transactions	21.6 million transactions	+0.2 million transactions
Estonia	21 of 25	17.2 million transactions	17.3 million transactions	+0.2 million transactions
Latvia	22 of 25	12.5 million transactions	12.4 million transactions	-0.1 million transactions
Luxembourg	23 of 25	7.7 million transactions	7.7 million transactions	+<0.1 million transactions
Cyprus	24 of 25	6.7 million transactions	6.8 million transactions	+<0.1 million transactions
Malta	25 of 25	4.2 million transactions	4.2 million transactions	−<0.1 million transactions
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Card payments per inhabitant (ECB)

H2 country coverage: 25 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Card payments per inhabitant (ECB) — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (transactions per inhabitant)
European Union	ECB aggregate — unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Euro area	ECB aggregate — unranked	124.7 transactions per inhabitant	135.6 transactions per inhabitant	+10.9 transactions per inhabitant

Country ranking and half-year changes — Card payments per inhabitant (ECB)

Card payments per inhabitant (ECB) — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (transactions per inhabitant)
Lithuania	1 of 25	576.1 transactions per inhabitant	629.6 transactions per inhabitant	+53.5 transactions per inhabitant
Luxembourg	2 of 25	353.9 transactions per inhabitant	434.7 transactions per inhabitant	+80.9 transactions per inhabitant
Ireland	3 of 25	287.6 transactions per inhabitant	315.0 transactions per inhabitant	+27.3 transactions per inhabitant
Finland	4 of 25	216.9 transactions per inhabitant	238.0 transactions per inhabitant	+21.1 transactions per inhabitant
Estonia	5 of 25	183.1 transactions per inhabitant	196.9 transactions per inhabitant	+13.8 transactions per inhabitant
Netherlands	6 of 25	182.3 transactions per inhabitant	192.9 transactions per inhabitant	+10.5 transactions per inhabitant
Belgium	7 of 25	171.7 transactions per inhabitant	188.8 transactions per inhabitant	+17.1 transactions per inhabitant
France	8 of 25	153.8 transactions per inhabitant	165.5 transactions per inhabitant	+11.7 transactions per inhabitant
Czechia	9 of 25	145.6 transactions per inhabitant	160.0 transactions per inhabitant	+14.4 transactions per inhabitant
Latvia	10 of 25	146.8 transactions per inhabitant	158.3 transactions per inhabitant	+11.5 transactions per inhabitant
Poland	11 of 25	139.4 transactions per inhabitant	147.8 transactions per inhabitant	+8.4 transactions per inhabitant
Portugal	12 of 25	137.5 transactions per inhabitant	145.4 transactions per inhabitant	+8.0 transactions per inhabitant
Spain	13 of 25	125.4 transactions per inhabitant	138.0 transactions per inhabitant	+12.6 transactions per inhabitant
Cyprus	14 of 25	120.8 transactions per inhabitant	132.0 transactions per inhabitant	+11.2 transactions per inhabitant
Malta	15 of 25	115.7 transactions per inhabitant	128.8 transactions per inhabitant	+13.1 transactions per inhabitant
Greece	16 of 25	112.6 transactions per inhabitant	122.0 transactions per inhabitant	+9.3 transactions per inhabitant
Austria	17 of 25	108.5 transactions per inhabitant	117.7 transactions per inhabitant	+9.2 transactions per inhabitant
Slovakia	18 of 25	106.1 transactions per inhabitant	117.1 transactions per inhabitant	+11.0 transactions per inhabitant
Hungary	19 of 25	106.3 transactions per inhabitant	115.3 transactions per inhabitant	+9.0 transactions per inhabitant
Croatia	20 of 25	100.9 transactions per inhabitant	110.4 transactions per inhabitant	+9.5 transactions per inhabitant
Slovenia	21 of 25	98.2 transactions per inhabitant	107.5 transactions per inhabitant	+9.3 transactions per inhabitant
Romania	22 of 25	79.6 transactions per inhabitant	92.5 transactions per inhabitant	+12.9 transactions per inhabitant
Germany	23 of 25	84.3 transactions per inhabitant	89.7 transactions per inhabitant	+5.4 transactions per inhabitant
Italy	24 of 25	75.9 transactions per inhabitant	86.5 transactions per inhabitant	+10.6 transactions per inhabitant
Bulgaria	25 of 25	49.6 transactions per inhabitant	55.4 transactions per inhabitant	+5.8 transactions per inhabitant
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

E-money

How to read this: E-money activity follows the reporting provider, not necessarily the customer’s residence. A high reported volume is not a measure of local consumer adoption; counts and values answer different questions.

E-money payments

ECB published value, as supplied by the mart.

H2 country coverage: 23 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

E-money payments — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (million transactions)
European Union	ECB aggregate — unranked	4,711.1 million transactions	5,177.0 million transactions	+465.9 million transactions
Euro area	ECB aggregate — unranked	4,681.7 million transactions	5,145.4 million transactions	+463.7 million transactions

Country ranking and half-year changes — E-money payments

E-money payments — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (million transactions)
Luxembourg	1 of 23	2,643.3 million transactions	2,796.1 million transactions	+152.8 million transactions
Italy	2 of 23	1,302.3 million transactions	1,497.1 million transactions	+194.8 million transactions
Ireland	3 of 23	195.1 million transactions	204.7 million transactions	+9.6 million transactions
Spain	4 of 23	156.5 million transactions	175.1 million transactions	+18.6 million transactions
Lithuania	5 of 23	70.4 million transactions	79.0 million transactions	+8.6 million transactions
Greece	6 of 23	38.7 million transactions	71.8 million transactions	+33.1 million transactions
Portugal	7 of 23	53.6 million transactions	61.1 million transactions	+7.6 million transactions
Croatia	8 of 23	44.9 million transactions	60.9 million transactions	+16.0 million transactions
France	9 of 23	51.2 million transactions	50.3 million transactions	-0.8 million transactions
Malta	10 of 23	41.4 million transactions	45.2 million transactions	+3.8 million transactions
Belgium	11 of 23	24.3 million transactions	30.2 million transactions	+5.9 million transactions
Netherlands	12 of 23	15.3 million transactions	23.7 million transactions	+8.4 million transactions
Latvia	13 of 23	13.9 million transactions	19.5 million transactions	+5.6 million transactions
Bulgaria	14 of 23	16.4 million transactions	18.9 million transactions	+2.5 million transactions
Germany	15 of 23	15.5 million transactions	15.1 million transactions	-0.4 million transactions
Hungary	16 of 23	9.9 million transactions	11.5 million transactions	+1.6 million transactions
Cyprus	17 of 23	5.1 million transactions	5.2 million transactions	+<0.1 million transactions
Finland	18 of 23	4.8 million transactions	4.9 million transactions	+0.1 million transactions
Austria	19 of 23	2.5 million transactions	2.5 million transactions	−<0.1 million transactions
Slovenia	20 of 23	2.3 million transactions	2.3 million transactions	+<0.1 million transactions
Slovakia	21 of 23	0.7 million transactions	0.7 million transactions	−<0.1 million transactions
Romania	22 of 23	<0.1 million transactions	<0.1 million transactions	−<0.1 million transactions
Poland	23 of 23	<0.1 million transactions	<0.1 million transactions	+<0.1 million transactions
Czechia	Unranked	2.9 million transactions	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PEM:H.CZ.W0.EMP0.1._T._T._X._Z.N.PN`	Not comparable — both half-years must have published values
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Estonia	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PEM:H.EE.W0.EMP0.1._T._T._X._Z.N.PN`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PEM:H.EE.W0.EMP0.1._T._T._X._Z.N.PN`	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

E-money payments, value

ECB published value, as supplied by the mart.

H2 country coverage: 22 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

E-money payments, value — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (EUR million)
European Union	ECB aggregate — unranked	288,361.0 EUR million	327,500.1 EUR million	+39,139.1 EUR million
Euro area	ECB aggregate — unranked	285,037.0 EUR million	324,784.8 EUR million	+39,747.8 EUR million

Country ranking and half-year changes — E-money payments, value

E-money payments, value — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (EUR million)
Luxembourg	1 of 22	134,558.0 EUR million	144,282.1 EUR million	+9,724.2 EUR million
Italy	2 of 22	40,900.9 EUR million	46,628.9 EUR million	+5,728.0 EUR million
Malta	3 of 22	29,169.6 EUR million	42,797.7 EUR million	+13,628.1 EUR million
Ireland	4 of 22	43,500.4 EUR million	38,693.7 EUR million	-4,806.7 EUR million
Lithuania	5 of 22	14,103.1 EUR million	15,213.5 EUR million	+1,110.4 EUR million
France	6 of 22	2,787.2 EUR million	9,182.3 EUR million	+6,395.1 EUR million
Spain	7 of 22	8,073.6 EUR million	9,002.0 EUR million	+928.4 EUR million
Cyprus	8 of 22	3,138.4 EUR million	3,113.3 EUR million	-25.1 EUR million
Portugal	9 of 22	1,477.9 EUR million	2,181.3 EUR million	+703.4 EUR million
Croatia	10 of 22	1,338.2 EUR million	1,820.5 EUR million	+482.3 EUR million
Bulgaria	11 of 22	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PEM:H.BG.W0.EMP0.1._T._T._X._Z.N.EUR`	1,592.8 EUR million	Not comparable — both half-years must have published values
Greece	12 of 22	778.5 EUR million	1,483.3 EUR million	+704.7 EUR million
Belgium	13 of 22	850.4 EUR million	971.9 EUR million	+121.5 EUR million
Finland	14 of 22	451.1 EUR million	620.9 EUR million	+169.9 EUR million
Hungary	15 of 22	413.8 EUR million	520.2 EUR million	+106.3 EUR million
Germany	16 of 22	404.1 EUR million	510.6 EUR million	+106.5 EUR million
Slovenia	17 of 22	94.8 EUR million	97.9 EUR million	+3.1 EUR million
Slovakia	18 of 22	59.1 EUR million	60.8 EUR million	+1.6 EUR million
Austria	19 of 22	60.1 EUR million	59.4 EUR million	-0.7 EUR million
Latvia	20 of 22	26.3 EUR million	33.8 EUR million	+7.5 EUR million
Poland	21 of 22	0.6 EUR million	7.9 EUR million	+7.3 EUR million
Romania	22 of 22	5.4 EUR million	4.1 EUR million	-1.4 EUR million
Czechia	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PEM:H.CZ.W0.EMP0.1._T._T._X._Z.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PEM:H.CZ.W0.EMP0.1._T._T._X._Z.N.EUR`	Not comparable — both half-years must have published values
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Estonia	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PEM:H.EE.W0.EMP0.1._T._T._X._Z.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PEM:H.EE.W0.EMP0.1._T._T._X._Z.N.EUR`	Not comparable — both half-years must have published values
Netherlands	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PEM:H.NL.W0.EMP0.1._T._T._X._Z.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PEM:H.NL.W0.EMP0.1._T._T._X._Z.N.EUR`	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Direct debits & credit transfers

How to read this: Direct debits here are payer-side and credit transfers are sent payments. Credit-transfer values include large-value interbank payments, so country scale is better compared by number. No instrument totals are combined.

Direct debits (payer side)

ECB published value, as supplied by the mart.

H2 country coverage: 23 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Direct debits (payer side) — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (million transactions)
European Union	ECB aggregate — unranked	14,856.9 million transactions	15,571.0 million transactions	+714.2 million transactions
Euro area	ECB aggregate — unranked	14,772.5 million transactions	15,484.5 million transactions	+712.0 million transactions

Country ranking and half-year changes — Direct debits (payer side)

Direct debits (payer side) — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (million transactions)
Germany	1 of 23	8,144.3 million transactions	8,658.9 million transactions	+514.6 million transactions
France	2 of 23	2,611.3 million transactions	2,687.1 million transactions	+75.8 million transactions
Spain	3 of 23	1,134.5 million transactions	1,154.8 million transactions	+20.3 million transactions
Netherlands	4 of 23	1,022.9 million transactions	1,060.4 million transactions	+37.5 million transactions
Italy	5 of 23	704.6 million transactions	732.7 million transactions	+28.2 million transactions
Austria	6 of 23	614.8 million transactions	648.7 million transactions	+34.0 million transactions
Belgium	7 of 23	192.7 million transactions	197.1 million transactions	+4.4 million transactions
Portugal	8 of 23	174.8 million transactions	176.5 million transactions	+1.7 million transactions
Ireland	9 of 23	80.7 million transactions	74.5 million transactions	-6.2 million transactions
Hungary	10 of 23	35.2 million transactions	35.9 million transactions	+0.7 million transactions
Czechia	11 of 23	33.2 million transactions	32.6 million transactions	-0.5 million transactions
Slovenia	12 of 23	20.7 million transactions	21.1 million transactions	+0.4 million transactions
Greece	13 of 23	18.4 million transactions	19.8 million transactions	+1.4 million transactions
Slovakia	14 of 23	14.4 million transactions	14.3 million transactions	−<0.1 million transactions
Luxembourg	15 of 23	12.8 million transactions	13.3 million transactions	+0.5 million transactions
Poland	16 of 23	10.0 million transactions	11.2 million transactions	+1.2 million transactions
Cyprus	17 of 23	11.9 million transactions	11.1 million transactions	-0.8 million transactions
Croatia	18 of 23	8.9 million transactions	9.0 million transactions	+0.1 million transactions
Bulgaria	19 of 23	3.4 million transactions	3.8 million transactions	+0.4 million transactions
Lithuania	20 of 23	3.1 million transactions	3.2 million transactions	+<0.1 million transactions
Romania	21 of 23	2.6 million transactions	3.1 million transactions	+0.5 million transactions
Malta	22 of 23	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PDD:H.MT.W0.1._T.DDS_ALL._T._Z.N.PN`	1.8 million transactions	Not comparable — both half-years must have published values
Finland	23 of 23	0.2 million transactions	0.2 million transactions	+<0.1 million transactions
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Estonia	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PDD:H.EE.W0.1._T.DDS_ALL._T._Z.N.PN`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PDD:H.EE.W0.1._T.DDS_ALL._T._Z.N.PN`	Not comparable — both half-years must have published values
Latvia	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PDD:H.LV.W0.1._T.DDS_ALL._T._Z.N.PN`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PDD:H.LV.W0.1._T.DDS_ALL._T._Z.N.PN`	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Direct debits (payer side), value

ECB published value, as supplied by the mart.

H2 country coverage: 23 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Direct debits (payer side), value — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (EUR million)
European Union	ECB aggregate — unranked	6,324,681.5 EUR million	6,152,605.5 EUR million	-172,076.1 EUR million
Euro area	ECB aggregate — unranked	6,301,810.0 EUR million	6,129,479.0 EUR million	-172,331.0 EUR million

Country ranking and half-year changes — Direct debits (payer side), value

Direct debits (payer side), value — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (EUR million)
Germany	1 of 23	3,831,235.6 EUR million	3,568,788.3 EUR million	-262,447.3 EUR million
France	2 of 23	1,151,123.8 EUR million	1,204,239.9 EUR million	+53,116.1 EUR million
Spain	3 of 23	376,168.8 EUR million	395,127.9 EUR million	+18,959.0 EUR million
Italy	4 of 23	357,731.7 EUR million	354,074.1 EUR million	-3,657.6 EUR million
Austria	5 of 23	193,760.8 EUR million	206,899.5 EUR million	+13,138.7 EUR million
Netherlands	6 of 23	196,188.5 EUR million	206,063.4 EUR million	+9,875.0 EUR million
Ireland	7 of 23	92,076.2 EUR million	90,972.7 EUR million	-1,103.5 EUR million
Belgium	8 of 23	55,659.3 EUR million	55,182.7 EUR million	-476.7 EUR million
Portugal	9 of 23	28,910.3 EUR million	28,283.5 EUR million	-626.8 EUR million
Poland	10 of 23	8,946.1 EUR million	9,022.0 EUR million	+75.8 EUR million
Czechia	11 of 23	8,030.2 EUR million	8,081.6 EUR million	+51.4 EUR million
Luxembourg	12 of 23	6,003.4 EUR million	6,246.6 EUR million	+243.3 EUR million
Greece	13 of 23	3,091.5 EUR million	3,413.9 EUR million	+322.4 EUR million
Hungary	14 of 23	2,847.0 EUR million	2,891.6 EUR million	+44.6 EUR million
Romania	15 of 23	2,626.1 EUR million	2,751.1 EUR million	+125.0 EUR million
Slovakia	16 of 23	2,926.3 EUR million	2,711.4 EUR million	-214.9 EUR million
Finland	17 of 23	1,866.2 EUR million	2,148.3 EUR million	+282.1 EUR million
Slovenia	18 of 23	1,920.1 EUR million	1,965.6 EUR million	+45.5 EUR million
Cyprus	19 of 23	1,649.7 EUR million	1,768.1 EUR million	+118.4 EUR million
Croatia	20 of 23	884.8 EUR million	925.2 EUR million	+40.3 EUR million
Lithuania	21 of 23	392.9 EUR million	403.9 EUR million	+11.0 EUR million
Bulgaria	22 of 23	422.2 EUR million	380.2 EUR million	-41.9 EUR million
Malta	23 of 23	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PDD:H.MT.W0.1._T.DDS_ALL._T._Z.N.EUR`	263.9 EUR million	Not comparable — both half-years must have published values
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Estonia	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PDD:H.EE.W0.1._T.DDS_ALL._T._Z.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PDD:H.EE.W0.1._T.DDS_ALL._T._Z.N.EUR`	Not comparable — both half-years must have published values
Latvia	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PDD:H.LV.W0.1._T.DDS_ALL._T._Z.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PDD:H.LV.W0.1._T.DDS_ALL._T._Z.N.EUR`	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Credit transfers sent

ECB published value, as supplied by the mart.

H2 country coverage: 25 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Credit transfers sent — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (million transactions)
European Union	ECB aggregate — unranked	20,990.4 million transactions	22,443.1 million transactions	+1,452.7 million transactions
Euro area	ECB aggregate — unranked	16,886.2 million transactions	17,786.5 million transactions	+900.2 million transactions

Country ranking and half-year changes — Credit transfers sent

Credit transfers sent — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (million transactions)
Germany	1 of 25	3,853.9 million transactions	3,958.5 million transactions	+104.6 million transactions
France	2 of 25	3,093.6 million transactions	3,268.4 million transactions	+174.8 million transactions
Poland	3 of 25	2,597.5 million transactions	3,036.3 million transactions	+438.8 million transactions
Netherlands	4 of 25	2,273.1 million transactions	2,328.5 million transactions	+55.4 million transactions
Spain	5 of 25	1,583.3 million transactions	1,706.3 million transactions	+123.0 million transactions
Italy	6 of 25	1,171.2 million transactions	1,275.5 million transactions	+104.3 million transactions
Belgium	7 of 25	1,126.2 million transactions	1,178.5 million transactions	+52.3 million transactions
Czechia	8 of 25	809.4 million transactions	837.5 million transactions	+28.0 million transactions
Ireland	9 of 25	609.3 million transactions	690.7 million transactions	+81.5 million transactions
Finland	10 of 25	624.1 million transactions	645.6 million transactions	+21.5 million transactions
Lithuania	11 of 25	523.1 million transactions	552.0 million transactions	+28.8 million transactions
Romania	12 of 25	452.4 million transactions	531.9 million transactions	+79.6 million transactions
Austria	13 of 25	437.6 million transactions	449.6 million transactions	+12.0 million transactions
Greece	14 of 25	363.7 million transactions	400.0 million transactions	+36.3 million transactions
Portugal	15 of 25	245.1 million transactions	298.8 million transactions	+53.7 million transactions
Slovakia	16 of 25	265.9 million transactions	280.5 million transactions	+14.7 million transactions
Hungary	17 of 25	244.9 million transactions	251.0 million transactions	+6.1 million transactions
Croatia	18 of 25	207.7 million transactions	218.9 million transactions	+11.2 million transactions
Latvia	19 of 25	164.9 million transactions	170.9 million transactions	+6.0 million transactions
Bulgaria	20 of 25	151.6 million transactions	168.5 million transactions	+16.9 million transactions
Estonia	21 of 25	139.8 million transactions	145.4 million transactions	+5.7 million transactions
Slovenia	22 of 25	94.5 million transactions	98.1 million transactions	+3.6 million transactions
Luxembourg	23 of 25	72.9 million transactions	81.3 million transactions	+8.4 million transactions
Cyprus	24 of 25	25.7 million transactions	27.8 million transactions	+2.0 million transactions
Malta	25 of 25	10.7 million transactions	11.2 million transactions	+0.5 million transactions
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Credit transfers sent, value

ECB published value, as supplied by the mart. Credit transfer values include large-value interbank payments; compare countries by number of transfers, not value.

H2 country coverage: 24 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Credit transfers sent, value — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (EUR million)
European Union	ECB aggregate — unranked	122,925,505.5 EUR million	124,439,941.0 EUR million	+1,514,435.5 EUR million
Euro area	ECB aggregate — unranked	107,680,080.1 EUR million	108,924,689.2 EUR million	+1,244,609.0 EUR million

Country ranking and half-year changes — Credit transfers sent, value

Credit transfers sent, value — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (EUR million)
Germany	1 of 24	32,756,378.0 EUR million	33,365,909.6 EUR million	+609,531.5 EUR million
France	2 of 24	16,217,187.5 EUR million	16,199,546.3 EUR million	-17,641.2 EUR million
Poland	3 of 24	9,330,990.1 EUR million	9,108,114.5 EUR million	-222,875.5 EUR million
Ireland	4 of 24	5,780,428.0 EUR million	5,972,226.5 EUR million	+191,798.4 EUR million
Spain	5 of 24	5,695,138.1 EUR million	5,733,071.1 EUR million	+37,933.1 EUR million
Italy	6 of 24	5,230,630.9 EUR million	5,372,846.4 EUR million	+142,215.5 EUR million
Belgium	7 of 24	4,364,297.9 EUR million	4,355,951.7 EUR million	-8,346.2 EUR million
Czechia	8 of 24	3,207,001.9 EUR million	3,367,463.8 EUR million	+160,461.8 EUR million
Austria	9 of 24	3,437,120.4 EUR million	3,233,766.0 EUR million	-203,354.4 EUR million
Luxembourg	10 of 24	2,069,349.8 EUR million	2,234,302.3 EUR million	+164,952.5 EUR million
Finland	11 of 24	1,948,915.7 EUR million	1,899,041.1 EUR million	-49,874.6 EUR million
Romania	12 of 24	1,412,538.3 EUR million	1,596,075.3 EUR million	+183,537.1 EUR million
Hungary	13 of 24	1,294,895.1 EUR million	1,443,598.3 EUR million	+148,703.2 EUR million
Slovakia	14 of 24	967,384.3 EUR million	1,072,916.1 EUR million	+105,531.8 EUR million
Portugal	15 of 24	1,041,167.3 EUR million	1,056,112.1 EUR million	+14,944.8 EUR million
Lithuania	16 of 24	825,605.7 EUR million	869,932.8 EUR million	+44,327.1 EUR million
Greece	17 of 24	596,935.9 EUR million	679,217.8 EUR million	+82,281.9 EUR million
Latvia	18 of 24	579,803.4 EUR million	606,080.3 EUR million	+26,276.9 EUR million
Bulgaria	19 of 24	347,102.7 EUR million	390,355.6 EUR million	+43,252.9 EUR million
Croatia	20 of 24	321,266.2 EUR million	345,895.2 EUR million	+24,629.0 EUR million
Estonia	21 of 24	165,040.8 EUR million	198,851.2 EUR million	+33,810.4 EUR million
Slovenia	22 of 24	169,976.6 EUR million	181,124.2 EUR million	+11,147.6 EUR million
Cyprus	23 of 24	115,647.3 EUR million	125,187.5 EUR million	+9,540.2 EUR million
Malta	24 of 24	55,250.5 EUR million	64,686.7 EUR million	+9,436.2 EUR million
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Netherlands	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.NL.W0.1._T._T.CTS_ALL._X._Z.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.NL.W0.1._T._T.CTS_ALL._X._Z.N.EUR`	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Fraud, remote payments & authentication

How to read this: Fraud rates are basis points of transaction value, not the probability that a payment is fraudulent; higher is not better. Remote and SCA shares describe payment activity, not fraud rates within those groups. Withheld country and aggregate values must not be reconstructed from other rows.

Publication limits: this captured mart does not supply remote/non-remote or SCA/non-SCA fraud-rate definitions, or a country PISP fraud metric. It therefore cannot establish those rates or SCA’s effect on fraud. Missing inputs indicate that the exact ECB country/period series is not available in the mart; that is not proof that the ECB publishes no related statistics elsewhere. The ECB publishes no total across fraud-loss bearers in the mart’s source model, so no loss shares are inferred.

Card payment fraud rate (issuer side)

Share or rate supplied by the mart; 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.

H2 country coverage: 20 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Card payment fraud rate (issuer side) — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (basis points of value)
European Union	ECB aggregate — unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.B0.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.B0.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR`	Not comparable — both half-years must have published values
Euro area	ECB aggregate — unranked	3.11 basis points of value	2.88 basis points of value	-0.24 basis points of value

Country ranking and half-year changes — Card payment fraud rate (issuer side)

Card payment fraud rate (issuer side) — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (basis points of value)
Luxembourg	1 of 20	4.12 basis points of value	4.75 basis points of value	+0.63 basis points of value
France	2 of 20	4.94 basis points of value	4.74 basis points of value	-0.20 basis points of value
Spain	3 of 20	3.93 basis points of value	3.82 basis points of value	-0.12 basis points of value
Estonia	4 of 20	4.40 basis points of value	3.48 basis points of value	-0.93 basis points of value
Belgium	5 of 20	3.88 basis points of value	3.11 basis points of value	-0.77 basis points of value
Cyprus	6 of 20	2.31 basis points of value	2.91 basis points of value	+0.61 basis points of value
Ireland	7 of 20	2.93 basis points of value	2.56 basis points of value	-0.37 basis points of value
Slovenia	8 of 20	2.56 basis points of value	2.31 basis points of value	-0.25 basis points of value
Latvia	9 of 20	2.24 basis points of value	2.11 basis points of value	-0.12 basis points of value
Lithuania	10 of 20	2.77 basis points of value	2.07 basis points of value	-0.70 basis points of value
Netherlands	11 of 20	2.06 basis points of value	2.05 basis points of value	−<0.01 basis points of value
Bulgaria	12 of 20	2.00 basis points of value	2.01 basis points of value	+<0.01 basis points of value
Slovakia	13 of 20	2.75 basis points of value	1.98 basis points of value	-0.76 basis points of value
Croatia	14 of 20	2.78 basis points of value	1.98 basis points of value	-0.80 basis points of value
Italy	15 of 20	2.02 basis points of value	1.76 basis points of value	-0.27 basis points of value
Austria	16 of 20	1.99 basis points of value	1.71 basis points of value	-0.27 basis points of value
Malta	17 of 20	2.39 basis points of value	1.67 basis points of value	-0.72 basis points of value
Greece	18 of 20	1.68 basis points of value	1.30 basis points of value	-0.38 basis points of value
Finland	19 of 20	1.61 basis points of value	0.96 basis points of value	-0.65 basis points of value
Portugal	20 of 20	0.72 basis points of value	0.44 basis points of value	-0.28 basis points of value
Czechia	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.CZ.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.CZ.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR`	Not comparable — both half-years must have published values
Germany	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.DE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.DE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR`	Not comparable — both half-years must have published values
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Hungary	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.HU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.HU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR`	Not comparable — both half-years must have published values
Poland	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.PL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.PL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR`	Not comparable — both half-years must have published values
Romania	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.RO.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.RO.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR`	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Credit transfer fraud rate

Share or rate supplied by the mart; derived by Scrolld from ECB inputs.

H2 country coverage: 19 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Credit transfer fraud rate — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (basis points of value)
European Union	ECB aggregate — unranked	0.10 basis points of value	0.11 basis points of value	+0.01 basis points of value
Euro area	ECB aggregate — unranked	0.10 basis points of value	0.11 basis points of value	+0.02 basis points of value

Country ranking and half-year changes — Credit transfer fraud rate

Credit transfer fraud rate — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (basis points of value)
Estonia	1 of 19	0.52 basis points of value	0.57 basis points of value	+0.04 basis points of value
Slovenia	2 of 19	0.68 basis points of value	0.50 basis points of value	-0.18 basis points of value
Malta	3 of 19	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.MT.W0.1._T._T.CTS_ALL._X.F.N.EUR`	0.43 basis points of value	Not comparable — both half-years must have published values
Belgium	4 of 19	0.29 basis points of value	0.41 basis points of value	+0.12 basis points of value
Spain	5 of 19	0.18 basis points of value	0.26 basis points of value	+0.08 basis points of value
Italy	6 of 19	0.19 basis points of value	0.23 basis points of value	+0.04 basis points of value
Lithuania	7 of 19	0.29 basis points of value	0.22 basis points of value	-0.08 basis points of value
Finland	8 of 19	0.15 basis points of value	0.22 basis points of value	+0.06 basis points of value
Croatia	9 of 19	0.26 basis points of value	0.21 basis points of value	-0.05 basis points of value
Cyprus	10 of 19	0.18 basis points of value	0.16 basis points of value	-0.02 basis points of value
France	11 of 19	0.15 basis points of value	0.15 basis points of value	+<0.01 basis points of value
Austria	12 of 19	0.09 basis points of value	0.15 basis points of value	+0.06 basis points of value
Portugal	13 of 19	0.06 basis points of value	0.13 basis points of value	+0.07 basis points of value
Bulgaria	14 of 19	0.11 basis points of value	0.11 basis points of value	−<0.01 basis points of value
Greece	15 of 19	0.17 basis points of value	0.10 basis points of value	-0.07 basis points of value
Slovakia	16 of 19	0.13 basis points of value	0.10 basis points of value	-0.03 basis points of value
Latvia	17 of 19	0.05 basis points of value	0.08 basis points of value	+0.02 basis points of value
Luxembourg	18 of 19	0.05 basis points of value	0.06 basis points of value	+<0.01 basis points of value
Ireland	19 of 19	0.09 basis points of value	0.06 basis points of value	-0.03 basis points of value
Czechia	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.CZ.W0.1._T._T.CTS_ALL._X.F.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.CZ.W0.1._T._T.CTS_ALL._X.F.N.EUR`	Not comparable — both half-years must have published values
Germany	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.DE.W0.1._T._T.CTS_ALL._X.F.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.DE.W0.1._T._T.CTS_ALL._X.F.N.EUR`	Not comparable — both half-years must have published values
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Hungary	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.HU.W0.1._T._T.CTS_ALL._X.F.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.HU.W0.1._T._T.CTS_ALL._X.F.N.EUR`	Not comparable — both half-years must have published values
Netherlands	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.NL.W0.1._T._T.CTS_ALL._X._Z.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.NL.W0.1._T._T.CTS_ALL._X._Z.N.EUR`	Not comparable — both half-years must have published values
Poland	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.PL.W0.1._T._T.CTS_ALL._X.F.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.PL.W0.1._T._T.CTS_ALL._X.F.N.EUR`	Not comparable — both half-years must have published values
Romania	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.RO.W0.1._T._T.CTS_ALL._X.F.N.EUR`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.RO.W0.1._T._T.CTS_ALL._X.F.N.EUR`	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Remote (online) share of card payments

Share or rate supplied by the mart; derived by Scrolld from ECB inputs.

H2 country coverage: 25 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Remote (online) share of card payments — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
European Union	ECB aggregate — unranked	18.2 %	18.6 %	+0.4 percentage points
Euro area	ECB aggregate — unranked	18.7 %	19.0 %	+0.3 percentage points

Country ranking and half-year changes — Remote (online) share of card payments

Remote (online) share of card payments — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
Malta	1 of 25	41.9 %	41.9 %	−<0.1 percentage points
Portugal	2 of 25	36.5 %	33.4 %	-3.1 percentage points
Ireland	3 of 25	31.2 %	32.0 %	+0.8 percentage points
Cyprus	4 of 25	30.5 %	30.4 %	−<0.1 percentage points
Romania	5 of 25	27.0 %	27.9 %	+1.0 percentage points
Lithuania	6 of 25	28.2 %	27.2 %	-1.0 percentage points
Bulgaria	7 of 25	25.2 %	24.8 %	-0.4 percentage points
Greece	8 of 25	23.4 %	23.3 %	−<0.1 percentage points
France	9 of 25	21.0 %	21.6 %	+0.6 percentage points
Luxembourg	10 of 25	23.7 %	21.5 %	-2.2 percentage points
Belgium	11 of 25	20.2 %	21.4 %	+1.3 percentage points
Austria	12 of 25	19.8 %	20.8 %	+1.0 percentage points
Finland	13 of 25	19.6 %	20.5 %	+0.9 percentage points
Czechia	14 of 25	19.6 %	20.3 %	+0.7 percentage points
Slovakia	15 of 25	19.0 %	19.8 %	+0.8 percentage points
Hungary	16 of 25	20.1 %	19.6 %	-0.5 percentage points
Spain	17 of 25	18.9 %	19.1 %	+0.3 percentage points
Croatia	18 of 25	17.0 %	17.6 %	+0.5 percentage points
Estonia	19 of 25	16.3 %	17.1 %	+0.8 percentage points
Italy	20 of 25	16.6 %	17.1 %	+0.4 percentage points
Latvia	21 of 25	15.1 %	15.6 %	+0.5 percentage points
Slovenia	22 of 25	12.4 %	12.9 %	+0.5 percentage points
Germany	23 of 25	12.4 %	12.6 %	+0.2 percentage points
Poland	24 of 25	9.8 %	10.5 %	+0.7 percentage points
Netherlands	25 of 25	4.7 %	5.1 %	+0.4 percentage points
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Remotely initiated share of electronic credit transfers

Share or rate supplied by the mart; derived by Scrolld from ECB inputs.

H2 country coverage: 20 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Remotely initiated share of electronic credit transfers — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
European Union	ECB aggregate — unranked	98.0 %	97.9 %	-0.1 percentage points
Euro area	ECB aggregate — unranked	98.2 %	98.3 %	+0.2 percentage points

Country ranking and half-year changes — Remotely initiated share of electronic credit transfers

Remotely initiated share of electronic credit transfers — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
Estonia	1 of 20	100.0 %	100.0 %	+<0.1 percentage points
Hungary	2 of 20	100.0 %	100.0 %	+<0.1 percentage points
Cyprus	3 of 20	100.0 %	100.0 %	+<0.1 percentage points
Lithuania	4 of 20	100.0 %	100.0 %	+<0.1 percentage points
Bulgaria	5 of 20	100.0 %	100.0 %	+<0.1 percentage points
Slovakia	6 of 20	99.9 %	99.9 %	+<0.1 percentage points
Ireland	7 of 20	99.9 %	99.9 %	+<0.1 percentage points
Luxembourg	8 of 20	99.8 %	99.9 %	+<0.1 percentage points
Slovenia	9 of 20	99.6 %	99.5 %	−<0.1 percentage points
Malta	10 of 20	99.5 %	99.4 %	−<0.1 percentage points
Spain	11 of 20	98.5 %	99.1 %	+0.6 percentage points
Greece	12 of 20	98.6 %	98.8 %	+0.1 percentage points
France	13 of 20	98.6 %	98.7 %	+<0.1 percentage points
Romania	14 of 20	98.1 %	98.2 %	+0.1 percentage points
Latvia	15 of 20	97.7 %	97.6 %	−<0.1 percentage points
Belgium	16 of 20	97.3 %	97.4 %	+0.1 percentage points
Germany	17 of 20	96.2 %	96.4 %	+0.2 percentage points
Austria	18 of 20	94.8 %	95.0 %	+0.2 percentage points
Croatia	19 of 20	94.0 %	94.8 %	+0.8 percentage points
Poland	20 of 20	96.1 %	94.6 %	-1.6 percentage points
Czechia	Unranked	Withheld: the ECB's breakdown does not add up to its total for this periodMart reason: `check_failed:ct_remote`	Withheld: the ECB's breakdown does not add up to its total for this periodMart reason: `check_failed:ct_remote`	Not comparable — both half-years must have published values
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Finland	Unranked	Withheld: the ECB's breakdown does not add up to its total for this periodMart reason: `check_failed:ct_remote`	Withheld: the ECB's breakdown does not add up to its total for this periodMart reason: `check_failed:ct_remote`	Not comparable — both half-years must have published values
Italy	Unranked	Withheld: the ECB's breakdown does not add up to its total for this periodMart reason: `check_failed:ct_remote`	Withheld: the ECB's breakdown does not add up to its total for this periodMart reason: `check_failed:ct_remote`	Not comparable — both half-years must have published values
Netherlands	Unranked	Withheld: the ECB's breakdown does not add up to its total for this periodMart reason: `check_failed:ct_remote`	Withheld: the ECB's breakdown does not add up to its total for this periodMart reason: `check_failed:ct_remote`	Not comparable — both half-years must have published values
Portugal	Unranked	Withheld: the ECB's breakdown does not add up to its total for this periodMart reason: `check_failed:ct_remote`	Withheld: the ECB's breakdown does not add up to its total for this periodMart reason: `check_failed:ct_remote`	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Strong customer authentication on remote card payments

Share or rate supplied by the mart; derived by Scrolld from ECB inputs.

H2 country coverage: 25 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Strong customer authentication on remote card payments — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
European Union	ECB aggregate — unranked	42.7 %	43.5 %	+0.8 percentage points
Euro area	ECB aggregate — unranked	42.8 %	43.8 %	+1.0 percentage points

Country ranking and half-year changes — Strong customer authentication on remote card payments

Strong customer authentication on remote card payments — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
Portugal	1 of 25	82.0 %	75.3 %	-6.7 percentage points
Belgium	2 of 25	73.0 %	71.3 %	-1.7 percentage points
Spain	3 of 25	54.9 %	58.8 %	+3.9 percentage points
Slovakia	4 of 25	55.3 %	54.1 %	-1.2 percentage points
Romania	5 of 25	54.3 %	53.1 %	-1.1 percentage points
Czechia	6 of 25	51.9 %	52.1 %	+0.2 percentage points
Bulgaria	7 of 25	47.5 %	48.3 %	+0.8 percentage points
Netherlands	8 of 25	41.4 %	42.5 %	+1.1 percentage points
Greece	9 of 25	41.3 %	42.2 %	+0.9 percentage points
France	10 of 25	40.0 %	41.5 %	+1.4 percentage points
Estonia	11 of 25	39.4 %	40.6 %	+1.2 percentage points
Hungary	12 of 25	38.8 %	39.2 %	+0.4 percentage points
Latvia	13 of 25	38.2 %	38.8 %	+0.6 percentage points
Lithuania	14 of 25	33.4 %	38.0 %	+4.6 percentage points
Cyprus	15 of 25	34.4 %	37.4 %	+3.0 percentage points
Malta	16 of 25	36.8 %	36.4 %	-0.4 percentage points
Croatia	17 of 25	33.6 %	34.4 %	+0.8 percentage points
Finland	18 of 25	29.0 %	32.5 %	+3.6 percentage points
Italy	19 of 25	32.0 %	32.0 %	+<0.1 percentage points
Germany	20 of 25	27.8 %	29.7 %	+1.9 percentage points
Ireland	21 of 25	28.4 %	29.6 %	+1.2 percentage points
Austria	22 of 25	27.5 %	28.7 %	+1.2 percentage points
Slovenia	23 of 25	31.4 %	28.7 %	-2.7 percentage points
Poland	24 of 25	25.4 %	25.4 %	−<0.1 percentage points
Luxembourg	25 of 25	21.5 %	24.8 %	+3.3 percentage points
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Strong customer authentication on remote credit transfers

Share or rate supplied by the mart; derived by Scrolld from ECB inputs.

H2 country coverage: 24 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Strong customer authentication on remote credit transfers — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
European Union	ECB aggregate — unranked	70.9 %	70.7 %	-0.1 percentage points
Euro area	ECB aggregate — unranked	69.9 %	69.5 %	-0.4 percentage points

Country ranking and half-year changes — Strong customer authentication on remote credit transfers

Strong customer authentication on remote credit transfers — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
Netherlands	1 of 24	91.6 %	91.2 %	-0.4 percentage points
Hungary	2 of 24	89.9 %	89.4 %	-0.5 percentage points
Croatia	3 of 24	89.0 %	88.4 %	-0.6 percentage points
Belgium	4 of 24	85.4 %	85.7 %	+0.2 percentage points
Italy	5 of 24	82.1 %	84.3 %	+2.2 percentage points
Slovenia	6 of 24	84.0 %	84.2 %	+0.2 percentage points
Austria	7 of 24	84.6 %	83.5 %	-1.1 percentage points
Germany	8 of 24	81.7 %	81.0 %	-0.7 percentage points
Poland	9 of 24	76.4 %	79.0 %	+2.6 percentage points
Estonia	10 of 24	77.2 %	77.5 %	+0.3 percentage points
Slovakia	11 of 24	73.4 %	73.4 %	+<0.1 percentage points
Czechia	12 of 24	70.7 %	70.0 %	-0.7 percentage points
Cyprus	13 of 24	66.5 %	67.0 %	+0.5 percentage points
Portugal	14 of 24	60.4 %	64.9 %	+4.5 percentage points
Latvia	15 of 24	63.7 %	62.9 %	-0.8 percentage points
Bulgaria	16 of 24	61.6 %	62.0 %	+0.4 percentage points
Finland	17 of 24	62.7 %	61.7 %	-1.0 percentage points
Romania	18 of 24	67.4 %	60.2 %	-7.2 percentage points
Luxembourg	19 of 24	55.0 %	54.5 %	-0.5 percentage points
France	20 of 24	52.7 %	53.6 %	+0.9 percentage points
Spain	21 of 24	55.0 %	53.3 %	-1.6 percentage points
Greece	22 of 24	49.6 %	49.5 %	−<0.1 percentage points
Lithuania	23 of 24	40.0 %	41.9 %	+1.9 percentage points
Ireland	24 of 24	33.2 %	30.9 %	-2.3 percentage points
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Malta	Unranked	Withheld: the ECB's breakdown does not add up to its total for this periodMart reason: `check_failed:ct_sca`	Withheld: the ECB's breakdown does not add up to its total for this periodMart reason: `check_failed:ct_sca`	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Cross-border payments

How to read this: Credit-transfer counterparty location and card-terminal location are different geographic concepts. Abroad is not a measure of cross-border e-commerce or customer nationality. Failed geographic additivity checks withhold affected shares.

Cross-border share of credit transfers (number)

Share or rate supplied by the mart; derived by Scrolld from ECB inputs.

H2 country coverage: 25 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Cross-border share of credit transfers (number) — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
European Union	ECB aggregate — unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.B0.W1.1._T._T.CTS_ALL._X._Z.N.PN`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.B0.W1.1._T._T.CTS_ALL._X._Z.N.PN`	Not comparable — both half-years must have published values
Euro area	ECB aggregate — unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.U2.W1.1._T._T.CTS_ALL._X._Z.N.PN`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCT:H.U2.W1.1._T._T.CTS_ALL._X._Z.N.PN`	Not comparable — both half-years must have published values

Country ranking and half-year changes — Cross-border share of credit transfers (number)

Cross-border share of credit transfers (number) — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
Malta	1 of 25	44.4 %	45.1 %	+0.7 percentage points
Luxembourg	2 of 25	37.5 %	40.2 %	+2.7 percentage points
Ireland	3 of 25	34.8 %	37.1 %	+2.4 percentage points
Estonia	4 of 25	25.3 %	27.4 %	+2.1 percentage points
Lithuania	5 of 25	Withheld: the ECB's breakdown does not add up to its total for this periodMart reason: `check_failed:ct_geo`	19.2 %	Not comparable — both half-years must have published values
Netherlands	6 of 25	9.0 %	9.7 %	+0.6 percentage points
Austria	7 of 25	8.6 %	8.7 %	+<0.1 percentage points
Belgium	8 of 25	7.4 %	7.7 %	+0.3 percentage points
Cyprus	9 of 25	7.6 %	7.6 %	+<0.1 percentage points
Germany	10 of 25	6.8 %	6.9 %	+0.1 percentage points
Portugal	11 of 25	5.1 %	5.8 %	+0.7 percentage points
Slovenia	12 of 25	5.2 %	5.6 %	+0.5 percentage points
Latvia	13 of 25	4.3 %	5.3 %	+1.0 percentage points
Slovakia	14 of 25	4.0 %	4.3 %	+0.3 percentage points
Croatia	15 of 25	3.5 %	3.7 %	+0.2 percentage points
France	16 of 25	3.1 %	3.5 %	+0.4 percentage points
Finland	17 of 25	2.3 %	3.1 %	+0.8 percentage points
Romania	18 of 25	2.7 %	2.7 %	−<0.1 percentage points
Italy	19 of 25	2.2 %	2.3 %	+<0.1 percentage points
Bulgaria	20 of 25	2.3 %	2.2 %	−<0.1 percentage points
Spain	21 of 25	1.8 %	2.0 %	+0.1 percentage points
Greece	22 of 25	1.4 %	1.5 %	+<0.1 percentage points
Hungary	23 of 25	1.2 %	1.2 %	+<0.1 percentage points
Czechia	24 of 25	0.9 %	1.0 %	+<0.1 percentage points
Poland	25 of 25	0.5 %	0.7 %	+0.2 percentage points
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Share of card payments at terminals abroad

Share or rate supplied by the mart; derived by Scrolld from ECB inputs.

H2 country coverage: 25 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

Share of card payments at terminals abroad — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
European Union	ECB aggregate — unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.B0.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.B0.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`	Not comparable — both half-years must have published values
Euro area	ECB aggregate — unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.U2.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PCP:H.U2.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`	Not comparable — both half-years must have published values

Country ranking and half-year changes — Share of card payments at terminals abroad

Share of card payments at terminals abroad — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (percentage points)
Lithuania	1 of 25	78.6 %	78.8 %	+0.2 percentage points
Luxembourg	2 of 25	65.2 %	70.7 %	+5.5 percentage points
Malta	3 of 25	56.6 %	57.8 %	+1.2 percentage points
Belgium	4 of 25	25.9 %	29.4 %	+3.5 percentage points
Cyprus	5 of 25	25.8 %	26.8 %	+1.1 percentage points
Austria	6 of 25	21.6 %	23.6 %	+2.0 percentage points
Ireland	7 of 25	21.7 %	22.8 %	+1.1 percentage points
Bulgaria	8 of 25	21.5 %	21.5 %	+<0.1 percentage points
Slovenia	9 of 25	18.4 %	20.9 %	+2.4 percentage points
Romania	10 of 25	18.9 %	20.2 %	+1.3 percentage points
Slovakia	11 of 25	18.3 %	20.1 %	+1.9 percentage points
Estonia	12 of 25	16.2 %	17.6 %	+1.4 percentage points
Germany	13 of 25	16.1 %	17.2 %	+1.1 percentage points
Latvia	14 of 25	15.9 %	16.5 %	+0.5 percentage points
Croatia	15 of 25	14.3 %	14.8 %	+0.6 percentage points
Spain	16 of 25	13.1 %	14.1 %	+1.0 percentage points
Italy	17 of 25	12.2 %	13.6 %	+1.4 percentage points
Netherlands	18 of 25	10.8 %	13.5 %	+2.7 percentage points
France	19 of 25	12.3 %	13.3 %	+1.1 percentage points
Czechia	20 of 25	11.8 %	13.0 %	+1.2 percentage points
Hungary	21 of 25	11.6 %	12.7 %	+1.2 percentage points
Finland	22 of 25	11.2 %	11.8 %	+0.6 percentage points
Greece	23 of 25	10.9 %	11.3 %	+0.4 percentage points
Portugal	24 of 25	9.8 %	10.3 %	+0.5 percentage points
Poland	25 of 25	7.8 %	8.7 %	+0.8 percentage points
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Infrastructure: terminals & ATMs

How to read this: Terminal and ATM counts are reported infrastructure, not payment flows or a measure of travel distance to cash. Population-normalised figures are used only where the mart publishes them. No annual or quarterly value is relabelled as a half-year.

POS terminals

ECB published value, as supplied by the mart. Counts as published by the ECB; providers and terminals are counted where they are resident, not where they are used.

H2 country coverage: 2 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

POS terminals — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (terminals)
European Union	ECB aggregate — unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Euro area	ECB aggregate — unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Country ranking and half-year changes — POS terminals

Exact series and formula · Explore metric (live mart; may be revised)

ATMs

ECB published value, as supplied by the mart. Counts as published by the ECB; providers and terminals are counted where they are resident, not where they are used.

H2 country coverage: 2 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

ATMs — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (terminals)
European Union	ECB aggregate — unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Euro area	ECB aggregate — unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Country ranking and half-year changes — ATMs

Exact series and formula · Explore metric (live mart; may be revised)

POS terminals per million inhabitants (ECB)

ECB published value, as supplied by the mart.

H2 country coverage: 2 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

POS terminals per million inhabitants (ECB) — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (terminals per million inhabitants)
European Union	ECB aggregate — unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Euro area	ECB aggregate — unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Country ranking and half-year changes — POS terminals per million inhabitants (ECB)

Exact series and formula · Explore metric (live mart; may be revised)

ATMs per million inhabitants (ECB)

ECB published value, as supplied by the mart.

H2 country coverage: 12 published country ranks in the mart. This ranking covers those reporters only; higher is not necessarily better.

ATMs per million inhabitants (ECB) — ECB aggregates
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (terminals per million inhabitants)
European Union	ECB aggregate — unranked	653.9 terminals per million inhabitants	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Euro area	ECB aggregate — unranked	712.6 terminals per million inhabitants	705.7 terminals per million inhabitants	-6.9 terminals per million inhabitants

Country ranking and half-year changes — ATMs per million inhabitants (ECB)

ATMs per million inhabitants (ECB) — countries
Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (terminals per million inhabitants)
Portugal	1 of 12	1,264.3 terminals per million inhabitants	1,264.6 terminals per million inhabitants	+0.3 terminals per million inhabitants
Italy	2 of 12	765.9 terminals per million inhabitants	767.5 terminals per million inhabitants	+1.6 terminals per million inhabitants
Hungary	3 of 12	567.1 terminals per million inhabitants	593.9 terminals per million inhabitants	+26.7 terminals per million inhabitants
Slovenia	4 of 12	597.5 terminals per million inhabitants	586.3 terminals per million inhabitants	-11.2 terminals per million inhabitants
Romania	5 of 12	526.6 terminals per million inhabitants	584.8 terminals per million inhabitants	+58.2 terminals per million inhabitants
Poland	6 of 12	550.5 terminals per million inhabitants	547.1 terminals per million inhabitants	-3.3 terminals per million inhabitants
Slovakia	7 of 12	613.3 terminals per million inhabitants	512.5 terminals per million inhabitants	-100.8 terminals per million inhabitants
Luxembourg	8 of 12	560.6 terminals per million inhabitants	432.7 terminals per million inhabitants	-127.9 terminals per million inhabitants
Malta	9 of 12	352.3 terminals per million inhabitants	347.3 terminals per million inhabitants	-5.0 terminals per million inhabitants
Latvia	10 of 12	285.7 terminals per million inhabitants	289.2 terminals per million inhabitants	+3.5 terminals per million inhabitants
Ireland	11 of 12	242.0 terminals per million inhabitants	240.1 terminals per million inhabitants	-1.9 terminals per million inhabitants
Lithuania	12 of 12	142.6 terminals per million inhabitants	134.3 terminals per million inhabitants	-8.3 terminals per million inhabitants
Austria	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Belgium	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Bulgaria	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Cyprus	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Czechia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Germany	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Estonia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Spain	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Finland	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
France	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Greece	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Croatia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Netherlands	Unranked	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PTN:H.NL.W0.2221._T.PN_R_POP6`	Not published by the ECB for this country/periodMart reason: `input_missing:ECB:PTN:H.NL.W0.2221._T.PN_R_POP6`	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Exact series and formula · Explore metric (live mart; may be revised)

Methods & sources

Observation cutoff: 2025-12-31 (2025-H2; provisional in this captured release). Comparison period: 2025-H1.

Fixed mart build: pay-20261001T151118-9939dc2e. Build completed: 2026-10-01T15:12:28.972Z. Public API retrieved: 2026-10-01T15:13:25.525Z.

Download this edition’s captured data (JSON). The snapshot preserves the public mart response and each selected metric’s H1 and H2 responses, including input keys, values, ranks and withholding reasons. Every response must carry the fixed build ID. Later releases are excluded. The source API serves the current build; its live links are not an archive of this edition.

Scrolld generates the findings deterministically. Tables and findings use the mart’s published values and country ranks. The only new numeric comparisons are subtraction of two published values: H2 minus H1, or euro area minus EU. Percentage shares use percentage-point changes, not percentage growth. Largest-change findings compare absolute differences within one metric over countries with both periods. Ties are retained and ordered by area code. Values are rounded for display; small nonzero values are labelled below the display precision.

EU (B0) and euro area (U2) are the ECB’s own aggregates, always unranked. Countries and instruments are never summed. Absent values are never zero, carried forward or reconstructed. Withheld values retain the mart’s exact reason. Country ranks are highest-value-first, not quality scores; coverage can differ by metric and period.

Build-wide additivity checks: 1222 passed; 138 failed. Build-wide metric observations: 8863 published; 879 withheld. These are mart-reported counts across the entire build, not counts of this report’s tables. Failed required checks withhold affected derived values; missing inputs and zero denominators can also cause withholding.

What changed since the previous release

This is the captured build.diff, comparing mart releases, not H1 with H2. Its scope is the whole build, including periods and metrics outside this report.

Added observations: 369.
Removed observations: 0.
Previously withheld observations now published: 34.
New periods: none.

Revisions exceeding the mart’s release threshold: 0.

Newly withheld observations: 0.

Missing input keys reported by build.diff (200)

ECB:PCT:H.SE.W0.1._T._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.SE.W2.1._T._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.U2.W2.1._T._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.B0.W2.1._T._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.SE.W1.1._T._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.U2.W1.1._T._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.B0.W1.1._T._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.SE.W0.1.2000._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.DK.W0.1.2000.R.CTS_ALL._X._Z.N.PN
ECB:PCT:H.SE.W0.1.2000.R.CTS_ALL._X._Z.N.PN
ECB:PCT:H.DK.W0.1.2000.NR.CTS_ALL._X._Z.N.PN
ECB:PCT:H.SE.W0.1.2000.NR.CTS_ALL._X._Z.N.PN
ECB:PCT:H.DK.W0.1.2000.R.CTS_ALL.100._Z.N.PN
ECB:PCT:H.SE.W0.1.2000.R.CTS_ALL.100._Z.N.PN
ECB:PCT:H.DK.W0.1.2000.R.CTS_ALL.200._Z.N.PN
ECB:PCT:H.SE.W0.1.2000.R.CTS_ALL.200._Z.N.PN
ECB:PCP:H.DK.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.SE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.DK.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.SE.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.DK.W0.W0.CP0.1._T.NR.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.SE.W0.W0.CP0.1._T.NR.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.DK.W0.W2.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.SE.W0.W2.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.U2.W0.W2.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.B0.W0.W2.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.DK.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.SE.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.U2.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.B0.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.DK.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.SE.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.DK.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN
ECB:PCP:H.SE.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN
ECB:PCP:H.DK.W0.W0.CP0.1.2000.R.PCS_ALL._Z.200._Z.N.PN
ECB:PCP:H.SE.W0.W0.CP0.1.2000.R.PCS_ALL._Z.200._Z.N.PN
ECB:PIS:H.DK.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.GR.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.HR.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.HU.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.IE.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.IT.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.LT.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.LU.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.LV.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.MT.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.NL.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.PL.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.PT.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.RO.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.SE.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.SI.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.SK.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.U2.W0._T.3.R._X._Z.N.PN
ECB:PIS:H.DK.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.GR.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.HR.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.HU.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.IE.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.IT.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.LT.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.LU.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.LV.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.MT.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.NL.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.PL.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.PT.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.RO.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.SE.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.SI.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.SK.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.U2.W0._T.3.R.100._Z.N.PN
ECB:PIS:H.DK.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.GR.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.HR.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.HU.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.IE.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.IT.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.LT.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.LU.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.LV.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.MT.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.NL.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.PL.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.PT.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.RO.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.SE.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.SI.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.SK.W0._T.3.R.200._Z.N.PN
ECB:PIS:H.U2.W0._T.3.R.200._Z.N.PN
ECB:PCT:H.DK.W0.1._T._T.CTS_ALL._X._Z.N.EUR
ECB:PCT:H.SE.W0.1._T._T.CTS_ALL._X._Z.N.EUR
ECB:PCT:H.DK.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN
ECB:PCT:H.SE.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN
ECB:PCT:H.DK.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR
ECB:PCT:H.SE.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR
ECB:PCT:H.DK.W0.1.2000._T.CTS_SEPA._X._Z.N.PN
ECB:PCT:H.SE.W0.1.2000._T.CTS_SEPA._X._Z.N.PN
ECB:PCT:H.DK.W0.1.2211._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.SE.W0.1.2211._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.DK.W0.1.2230._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.SE.W0.1.2230._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.DK.W0.1.2231._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.SE.W0.1.2231._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.DK.W0.1.5000._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.SE.W0.1.5000._T.CTS_ALL._X._Z.N.PN
ECB:PCT:H.CZ.W0.1._T._T.CTS_ALL._X.F.N.EUR
ECB:PCT:H.DK.W0.1._T._T.CTS_ALL._X.F.N.EUR
ECB:PCT:H.HU.W0.1._T._T.CTS_ALL._X.F.N.EUR
ECB:PCT:H.PL.W0.1._T._T.CTS_ALL._X.F.N.EUR
ECB:PCT:H.RO.W0.1._T._T.CTS_ALL._X.F.N.EUR
ECB:PCT:H.SE.W0.1._T._T.CTS_ALL._X.F.N.EUR
ECB:PCT:H.SE.W0.1._T._T.CTS_ALL._X._Z.N.PN_R_POP
ECB:PCP:H.DK.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR
ECB:PCP:H.SE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR
ECB:PCP:H.DK.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.SE.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.B0.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.DK.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.EUR
ECB:PCP:H.SE.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.EUR
ECB:PCP:H.DK.W0.W0.CP11.1.2223.NR.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.SE.W0.W0.CP11.1.2223.NR.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.DK.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.SE.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.CZ.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR
ECB:PCP:H.DK.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR
ECB:PCP:H.HU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR
ECB:PCP:H.PL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR
ECB:PCP:H.RO.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR
ECB:PCP:H.SE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR
ECB:PCP:H.B0.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR
ECB:PCP:H.DK.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.SE.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.B0.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN
ECB:PCP:H.DK.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP
ECB:PCP:H.SE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP
ECB:PCP:H.B0.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP
ECB:PDD:H.DK.W0.1._T.DDS_ALL._T._Z.N.PN
ECB:PDD:H.SE.W0.1._T.DDS_ALL._T._Z.N.PN
ECB:PDD:H.DK.W0.1._T.DDS_ALL._T._Z.N.EUR
ECB:PDD:H.SE.W0.1._T.DDS_ALL._T._Z.N.EUR
ECB:PDD:H.CZ.W0.2._T.DDS_ALL._T.F.N.EUR
ECB:PDD:H.DK.W0.2._T.DDS_ALL._T.F.N.EUR
ECB:PDD:H.HU.W0.2._T.DDS_ALL._T.F.N.EUR
ECB:PDD:H.PL.W0.2._T.DDS_ALL._T.F.N.EUR
ECB:PDD:H.RO.W0.2._T.DDS_ALL._T.F.N.EUR
ECB:PDD:H.SE.W0.2._T.DDS_ALL._T.F.N.EUR
ECB:PDD:H.DK.W0.2._T.DDS_ALL._T._Z.N.EUR
ECB:PDD:H.SE.W0.2._T.DDS_ALL._T._Z.N.EUR
ECB:PEM:H.DK.W0.EMP0.1._T._T._X._Z.N.PN
ECB:PEM:H.SE.W0.EMP0.1._T._T._X._Z.N.PN
ECB:PEM:H.DK.W0.EMP0.1._T._T._X._Z.N.EUR
ECB:PEM:H.SE.W0.EMP0.1._T._T._X._Z.N.EUR
ECB:PEM:H.CZ.W0.EMP0.1._T._T._X.F.N.EUR
ECB:PEM:H.DK.W0.EMP0.1._T._T._X.F.N.EUR
ECB:PEM:H.HU.W0.EMP0.1._T._T._X.F.N.EUR
ECB:PEM:H.PL.W0.EMP0.1._T._T._X.F.N.EUR
ECB:PEM:H.RO.W0.EMP0.1._T._T._X.F.N.EUR
ECB:PEM:H.SE.W0.EMP0.1._T._T._X.F.N.EUR
ECB:PTN:H.AT.W0.2222._T.PN
ECB:PTN:H.BE.W0.2222._T.PN
ECB:PTN:H.BG.W0.2222._T.PN
ECB:PTN:H.CY.W0.2222._T.PN
ECB:PTN:H.CZ.W0.2222._T.PN
ECB:PTN:H.DE.W0.2222._T.PN
ECB:PTN:H.DK.W0.2222._T.PN
ECB:PTN:H.EE.W0.2222._T.PN
ECB:PTN:H.ES.W0.2222._T.PN
ECB:PTN:H.FI.W0.2222._T.PN
ECB:PTN:H.FR.W0.2222._T.PN
ECB:PTN:H.GR.W0.2222._T.PN
ECB:PTN:H.HR.W0.2222._T.PN
ECB:PTN:H.HU.W0.2222._T.PN
ECB:PTN:H.IE.W0.2222._T.PN
ECB:PTN:H.IT.W0.2222._T.PN
ECB:PTN:H.LT.W0.2222._T.PN
ECB:PTN:H.LU.W0.2222._T.PN
ECB:PTN:H.LV.W0.2222._T.PN
ECB:PTN:H.PL.W0.2222._T.PN
ECB:PTN:H.PT.W0.2222._T.PN
ECB:PTN:H.RO.W0.2222._T.PN
ECB:PTN:H.SE.W0.2222._T.PN
ECB:PTN:H.SI.W0.2222._T.PN
ECB:PTN:H.SK.W0.2222._T.PN
ECB:PTN:H.U2.W0.2222._T.PN
ECB:PTN:H.B0.W0.2222._T.PN
ECB:PTN:H.AT.W0.2221._T.PN
ECB:PTN:H.BE.W0.2221._T.PN
ECB:PTN:H.BG.W0.2221._T.PN
ECB:PTN:H.CY.W0.2221._T.PN
ECB:PTN:H.CZ.W0.2221._T.PN
ECB:PTN:H.DE.W0.2221._T.PN
ECB:PTN:H.DK.W0.2221._T.PN
ECB:PTN:H.EE.W0.2221._T.PN
ECB:PTN:H.ES.W0.2221._T.PN
ECB:PTN:H.FI.W0.2221._T.PN
ECB:PTN:H.FR.W0.2221._T.PN
ECB:PTN:H.GR.W0.2221._T.PN
ECB:PTN:H.HR.W0.2221._T.PN
ECB:PTN:H.HU.W0.2221._T.PN

Exact series by metric and area

Keys below come from the captured inputs for both comparison periods. Formula templates document the mart calculation; the report does not rerun it.

SEPA Instant share of credit transfers (number) — exact ECB keys

ECB:PCT:H.{area}.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN ÷ ECB:PCT:H.{area}.W0.1._T._T.CTS_ALL._X._Z.N.PN × 100

SEPA Instant share of credit transfers (number) — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCT:H.AT.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.AT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Belgium	`ECB:PCT:H.BE.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.BE.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Bulgaria	`ECB:PCT:H.BG.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.BG.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Cyprus	`ECB:PCT:H.CY.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.CY.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Czechia	`ECB:PCT:H.CZ.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.CZ.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Germany	`ECB:PCT:H.DE.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.DE.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCT:H.EE.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.EE.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Spain	`ECB:PCT:H.ES.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.ES.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Finland	`ECB:PCT:H.FI.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.FI.W0.1._T._T.CTS_ALL._X._Z.N.PN`
France	`ECB:PCT:H.FR.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.FR.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Greece	`ECB:PCT:H.GR.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.GR.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Croatia	`ECB:PCT:H.HR.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.HR.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Hungary	`ECB:PCT:H.HU.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.HU.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Ireland	`ECB:PCT:H.IE.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.IE.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Italy	`ECB:PCT:H.IT.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.IT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Lithuania	`ECB:PCT:H.LT.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.LT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Luxembourg	`ECB:PCT:H.LU.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.LU.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Latvia	`ECB:PCT:H.LV.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.LV.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Malta	`ECB:PCT:H.MT.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.MT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Netherlands	`ECB:PCT:H.NL.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.NL.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Poland	`ECB:PCT:H.PL.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.PL.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Portugal	`ECB:PCT:H.PT.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.PT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Romania	`ECB:PCT:H.RO.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.RO.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCT:H.SI.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.SI.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Slovakia	`ECB:PCT:H.SK.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.SK.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Euro area	`ECB:PCT:H.U2.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.U2.W0.1._T._T.CTS_ALL._X._Z.N.PN`
European Union	`ECB:PCT:H.B0.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN` `ECB:PCT:H.B0.W0.1._T._T.CTS_ALL._X._Z.N.PN`

SEPA Instant credit transfers sent — exact ECB keys

ECB:PCT:H.{area}.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN

SEPA Instant credit transfers sent — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCT:H.AT.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Belgium	`ECB:PCT:H.BE.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Bulgaria	`ECB:PCT:H.BG.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Cyprus	`ECB:PCT:H.CY.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Czechia	`ECB:PCT:H.CZ.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Germany	`ECB:PCT:H.DE.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCT:H.EE.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Spain	`ECB:PCT:H.ES.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Finland	`ECB:PCT:H.FI.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
France	`ECB:PCT:H.FR.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Greece	`ECB:PCT:H.GR.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Croatia	`ECB:PCT:H.HR.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Hungary	`ECB:PCT:H.HU.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Ireland	`ECB:PCT:H.IE.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Italy	`ECB:PCT:H.IT.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Lithuania	`ECB:PCT:H.LT.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Luxembourg	`ECB:PCT:H.LU.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Latvia	`ECB:PCT:H.LV.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Malta	`ECB:PCT:H.MT.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Netherlands	`ECB:PCT:H.NL.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Poland	`ECB:PCT:H.PL.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Portugal	`ECB:PCT:H.PT.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Romania	`ECB:PCT:H.RO.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCT:H.SI.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Slovakia	`ECB:PCT:H.SK.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
Euro area	`ECB:PCT:H.U2.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`
European Union	`ECB:PCT:H.B0.W0.1.2000._T.CTS_SEPAI._X._Z.N.PN`

SEPA Instant credit transfers sent, value — exact ECB keys

ECB:PCT:H.{area}.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR

SEPA Instant credit transfers sent, value — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCT:H.AT.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Belgium	`ECB:PCT:H.BE.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Bulgaria	`ECB:PCT:H.BG.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Cyprus	`ECB:PCT:H.CY.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Czechia	`ECB:PCT:H.CZ.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Germany	`ECB:PCT:H.DE.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCT:H.EE.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Spain	`ECB:PCT:H.ES.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Finland	`ECB:PCT:H.FI.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
France	`ECB:PCT:H.FR.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Greece	`ECB:PCT:H.GR.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Croatia	`ECB:PCT:H.HR.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Hungary	`ECB:PCT:H.HU.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Ireland	`ECB:PCT:H.IE.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Italy	`ECB:PCT:H.IT.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Lithuania	`ECB:PCT:H.LT.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Luxembourg	`ECB:PCT:H.LU.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Latvia	`ECB:PCT:H.LV.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Malta	`ECB:PCT:H.MT.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Netherlands	`ECB:PCT:H.NL.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Poland	`ECB:PCT:H.PL.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Portugal	`ECB:PCT:H.PT.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Romania	`ECB:PCT:H.RO.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCT:H.SI.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Slovakia	`ECB:PCT:H.SK.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
Euro area	`ECB:PCT:H.U2.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`
European Union	`ECB:PCT:H.B0.W0.1.2000._T.CTS_SEPAI._X._Z.N.EUR`

Card payments (issuer side) — exact ECB keys

ECB:PCP:H.{area}.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN

Card payments (issuer side) — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCP:H.AT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Belgium	`ECB:PCP:H.BE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Bulgaria	`ECB:PCP:H.BG.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Cyprus	`ECB:PCP:H.CY.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Czechia	`ECB:PCP:H.CZ.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Germany	`ECB:PCP:H.DE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCP:H.EE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Spain	`ECB:PCP:H.ES.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Finland	`ECB:PCP:H.FI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
France	`ECB:PCP:H.FR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Greece	`ECB:PCP:H.GR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Croatia	`ECB:PCP:H.HR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Hungary	`ECB:PCP:H.HU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Ireland	`ECB:PCP:H.IE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Italy	`ECB:PCP:H.IT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Lithuania	`ECB:PCP:H.LT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Luxembourg	`ECB:PCP:H.LU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Latvia	`ECB:PCP:H.LV.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Malta	`ECB:PCP:H.MT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Netherlands	`ECB:PCP:H.NL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Poland	`ECB:PCP:H.PL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Portugal	`ECB:PCP:H.PT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Romania	`ECB:PCP:H.RO.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCP:H.SI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Slovakia	`ECB:PCP:H.SK.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Euro area	`ECB:PCP:H.U2.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
European Union	`ECB:PCP:H.B0.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`

Card payments, value — exact ECB keys

ECB:PCP:H.{area}.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR

Card payments, value — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCP:H.AT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Belgium	`ECB:PCP:H.BE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Bulgaria	`ECB:PCP:H.BG.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Cyprus	`ECB:PCP:H.CY.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Czechia	`ECB:PCP:H.CZ.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Germany	`ECB:PCP:H.DE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCP:H.EE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Spain	`ECB:PCP:H.ES.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Finland	`ECB:PCP:H.FI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
France	`ECB:PCP:H.FR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Greece	`ECB:PCP:H.GR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Croatia	`ECB:PCP:H.HR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Hungary	`ECB:PCP:H.HU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Ireland	`ECB:PCP:H.IE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Italy	`ECB:PCP:H.IT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Lithuania	`ECB:PCP:H.LT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Luxembourg	`ECB:PCP:H.LU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Latvia	`ECB:PCP:H.LV.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Malta	`ECB:PCP:H.MT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Netherlands	`ECB:PCP:H.NL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Poland	`ECB:PCP:H.PL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Portugal	`ECB:PCP:H.PT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Romania	`ECB:PCP:H.RO.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCP:H.SI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Slovakia	`ECB:PCP:H.SK.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Euro area	`ECB:PCP:H.U2.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
European Union	`ECB:PCP:H.B0.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`

Contactless share of card payments (number) — exact ECB keys

ECB:PCP:H.{area}.W0.W0.CP1.1.2223.NR.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

Contactless share of card payments (number) — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCP:H.AT.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.AT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Belgium	`ECB:PCP:H.BE.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.BE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Bulgaria	`ECB:PCP:H.BG.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.BG.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Cyprus	`ECB:PCP:H.CY.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.CY.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Czechia	`ECB:PCP:H.CZ.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.CZ.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Germany	`ECB:PCP:H.DE.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.DE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCP:H.EE.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.EE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Spain	`ECB:PCP:H.ES.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.ES.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Finland	`ECB:PCP:H.FI.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.FI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
France	`ECB:PCP:H.FR.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.FR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Greece	`ECB:PCP:H.GR.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.GR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Croatia	`ECB:PCP:H.HR.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.HR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Hungary	`ECB:PCP:H.HU.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.HU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Ireland	`ECB:PCP:H.IE.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.IE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Italy	`ECB:PCP:H.IT.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.IT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Lithuania	`ECB:PCP:H.LT.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.LT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Luxembourg	`ECB:PCP:H.LU.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.LU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Latvia	`ECB:PCP:H.LV.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.LV.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Malta	`ECB:PCP:H.MT.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.MT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Netherlands	`ECB:PCP:H.NL.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.NL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Poland	`ECB:PCP:H.PL.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.PL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Portugal	`ECB:PCP:H.PT.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.PT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Romania	`ECB:PCP:H.RO.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.RO.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCP:H.SI.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.SI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Slovakia	`ECB:PCP:H.SK.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.SK.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Euro area	`ECB:PCP:H.U2.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.U2.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
European Union	`ECB:PCP:H.B0.W0.W0.CP1.1.2223.NR.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.B0.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`

Card payments via mobile payment solutions — exact ECB keys

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

Card payments via mobile payment solutions — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCP:H.AT.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Belgium	`ECB:PCP:H.BE.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Bulgaria	`ECB:PCP:H.BG.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Cyprus	`ECB:PCP:H.CY.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Czechia	`ECB:PCP:H.CZ.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Germany	`ECB:PCP:H.DE.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCP:H.EE.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Spain	`ECB:PCP:H.ES.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Finland	`ECB:PCP:H.FI.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
France	`ECB:PCP:H.FR.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Greece	`ECB:PCP:H.GR.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Croatia	`ECB:PCP:H.HR.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Hungary	`ECB:PCP:H.HU.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Ireland	`ECB:PCP:H.IE.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Italy	`ECB:PCP:H.IT.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Lithuania	`ECB:PCP:H.LT.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Luxembourg	`ECB:PCP:H.LU.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Latvia	`ECB:PCP:H.LV.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Malta	`ECB:PCP:H.MT.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Netherlands	`ECB:PCP:H.NL.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Poland	`ECB:PCP:H.PL.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Portugal	`ECB:PCP:H.PT.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Romania	`ECB:PCP:H.RO.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCP:H.SI.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Slovakia	`ECB:PCP:H.SK.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
Euro area	`ECB:PCP:H.U2.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`
European Union	`ECB:PCP:H.B0.W0.W0.CP0.1.2230.R.PCS_ALL._Z._X._Z.N.PN`

Card cash withdrawals per 100 card payments — exact ECB keys

ECB:PCP:H.{area}.W0.W0.CW1.1._T._T.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

Card cash withdrawals per 100 card payments — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCP:H.AT.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.AT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Belgium	`ECB:PCP:H.BE.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.BE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Bulgaria	`ECB:PCP:H.BG.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.BG.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Cyprus	`ECB:PCP:H.CY.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.CY.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Czechia	`ECB:PCP:H.CZ.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.CZ.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Germany	`ECB:PCP:H.DE.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.DE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCP:H.EE.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.EE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Spain	`ECB:PCP:H.ES.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.ES.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Finland	`ECB:PCP:H.FI.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.FI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
France	`ECB:PCP:H.FR.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.FR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Greece	`ECB:PCP:H.GR.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.GR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Croatia	`ECB:PCP:H.HR.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.HR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Hungary	`ECB:PCP:H.HU.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.HU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Ireland	`ECB:PCP:H.IE.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.IE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Italy	`ECB:PCP:H.IT.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.IT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Lithuania	`ECB:PCP:H.LT.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.LT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Luxembourg	`ECB:PCP:H.LU.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.LU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Latvia	`ECB:PCP:H.LV.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.LV.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Malta	`ECB:PCP:H.MT.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.MT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Netherlands	`ECB:PCP:H.NL.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.NL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Poland	`ECB:PCP:H.PL.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.PL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Portugal	`ECB:PCP:H.PT.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.PT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Romania	`ECB:PCP:H.RO.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.RO.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCP:H.SI.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.SI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Slovakia	`ECB:PCP:H.SK.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.SK.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Euro area	`ECB:PCP:H.U2.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.U2.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
European Union	`ECB:PCP:H.B0.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.B0.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`

Cash withdrawals with cards — exact ECB keys

ECB:PCP:H.{area}.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN

Cash withdrawals with cards — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCP:H.AT.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Belgium	`ECB:PCP:H.BE.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Bulgaria	`ECB:PCP:H.BG.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Cyprus	`ECB:PCP:H.CY.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Czechia	`ECB:PCP:H.CZ.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Germany	`ECB:PCP:H.DE.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCP:H.EE.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Spain	`ECB:PCP:H.ES.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Finland	`ECB:PCP:H.FI.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
France	`ECB:PCP:H.FR.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Greece	`ECB:PCP:H.GR.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Croatia	`ECB:PCP:H.HR.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Hungary	`ECB:PCP:H.HU.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Ireland	`ECB:PCP:H.IE.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Italy	`ECB:PCP:H.IT.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Lithuania	`ECB:PCP:H.LT.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Luxembourg	`ECB:PCP:H.LU.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Latvia	`ECB:PCP:H.LV.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Malta	`ECB:PCP:H.MT.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Netherlands	`ECB:PCP:H.NL.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Poland	`ECB:PCP:H.PL.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Portugal	`ECB:PCP:H.PT.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Romania	`ECB:PCP:H.RO.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCP:H.SI.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Slovakia	`ECB:PCP:H.SK.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Euro area	`ECB:PCP:H.U2.W0.W0.CW1.1._T._T.PCS_ALL._Z._X._Z.N.PN`
European Union	No input keys supplied for this area; see the formula template above.

Card payments per inhabitant (ECB) — exact ECB keys

ECB:PCP:H.{area}.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP

Card payments per inhabitant (ECB) — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCP:H.AT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Belgium	`ECB:PCP:H.BE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Bulgaria	`ECB:PCP:H.BG.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Cyprus	`ECB:PCP:H.CY.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Czechia	`ECB:PCP:H.CZ.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Germany	`ECB:PCP:H.DE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCP:H.EE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Spain	`ECB:PCP:H.ES.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Finland	`ECB:PCP:H.FI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
France	`ECB:PCP:H.FR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Greece	`ECB:PCP:H.GR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Croatia	`ECB:PCP:H.HR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Hungary	`ECB:PCP:H.HU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Ireland	`ECB:PCP:H.IE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Italy	`ECB:PCP:H.IT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Lithuania	`ECB:PCP:H.LT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Luxembourg	`ECB:PCP:H.LU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Latvia	`ECB:PCP:H.LV.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Malta	`ECB:PCP:H.MT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Netherlands	`ECB:PCP:H.NL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Poland	`ECB:PCP:H.PL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Portugal	`ECB:PCP:H.PT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Romania	`ECB:PCP:H.RO.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCP:H.SI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Slovakia	`ECB:PCP:H.SK.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
Euro area	`ECB:PCP:H.U2.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN_R_POP`
European Union	No input keys supplied for this area; see the formula template above.

E-money payments — exact ECB keys

ECB:PEM:H.{area}.W0.EMP0.1._T._T._X._Z.N.PN

E-money payments — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PEM:H.AT.W0.EMP0.1._T._T._X._Z.N.PN`
Belgium	`ECB:PEM:H.BE.W0.EMP0.1._T._T._X._Z.N.PN`
Bulgaria	`ECB:PEM:H.BG.W0.EMP0.1._T._T._X._Z.N.PN`
Cyprus	`ECB:PEM:H.CY.W0.EMP0.1._T._T._X._Z.N.PN`
Czechia	`ECB:PEM:H.CZ.W0.EMP0.1._T._T._X._Z.N.PN`
Germany	`ECB:PEM:H.DE.W0.EMP0.1._T._T._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PEM:H.EE.W0.EMP0.1._T._T._X._Z.N.PN`
Spain	`ECB:PEM:H.ES.W0.EMP0.1._T._T._X._Z.N.PN`
Finland	`ECB:PEM:H.FI.W0.EMP0.1._T._T._X._Z.N.PN`
France	`ECB:PEM:H.FR.W0.EMP0.1._T._T._X._Z.N.PN`
Greece	`ECB:PEM:H.GR.W0.EMP0.1._T._T._X._Z.N.PN`
Croatia	`ECB:PEM:H.HR.W0.EMP0.1._T._T._X._Z.N.PN`
Hungary	`ECB:PEM:H.HU.W0.EMP0.1._T._T._X._Z.N.PN`
Ireland	`ECB:PEM:H.IE.W0.EMP0.1._T._T._X._Z.N.PN`
Italy	`ECB:PEM:H.IT.W0.EMP0.1._T._T._X._Z.N.PN`
Lithuania	`ECB:PEM:H.LT.W0.EMP0.1._T._T._X._Z.N.PN`
Luxembourg	`ECB:PEM:H.LU.W0.EMP0.1._T._T._X._Z.N.PN`
Latvia	`ECB:PEM:H.LV.W0.EMP0.1._T._T._X._Z.N.PN`
Malta	`ECB:PEM:H.MT.W0.EMP0.1._T._T._X._Z.N.PN`
Netherlands	`ECB:PEM:H.NL.W0.EMP0.1._T._T._X._Z.N.PN`
Poland	`ECB:PEM:H.PL.W0.EMP0.1._T._T._X._Z.N.PN`
Portugal	`ECB:PEM:H.PT.W0.EMP0.1._T._T._X._Z.N.PN`
Romania	`ECB:PEM:H.RO.W0.EMP0.1._T._T._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PEM:H.SI.W0.EMP0.1._T._T._X._Z.N.PN`
Slovakia	`ECB:PEM:H.SK.W0.EMP0.1._T._T._X._Z.N.PN`
Euro area	`ECB:PEM:H.U2.W0.EMP0.1._T._T._X._Z.N.PN`
European Union	`ECB:PEM:H.B0.W0.EMP0.1._T._T._X._Z.N.PN`

E-money payments, value — exact ECB keys

ECB:PEM:H.{area}.W0.EMP0.1._T._T._X._Z.N.EUR

E-money payments, value — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PEM:H.AT.W0.EMP0.1._T._T._X._Z.N.EUR`
Belgium	`ECB:PEM:H.BE.W0.EMP0.1._T._T._X._Z.N.EUR`
Bulgaria	`ECB:PEM:H.BG.W0.EMP0.1._T._T._X._Z.N.EUR`
Cyprus	`ECB:PEM:H.CY.W0.EMP0.1._T._T._X._Z.N.EUR`
Czechia	`ECB:PEM:H.CZ.W0.EMP0.1._T._T._X._Z.N.EUR`
Germany	`ECB:PEM:H.DE.W0.EMP0.1._T._T._X._Z.N.EUR`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PEM:H.EE.W0.EMP0.1._T._T._X._Z.N.EUR`
Spain	`ECB:PEM:H.ES.W0.EMP0.1._T._T._X._Z.N.EUR`
Finland	`ECB:PEM:H.FI.W0.EMP0.1._T._T._X._Z.N.EUR`
France	`ECB:PEM:H.FR.W0.EMP0.1._T._T._X._Z.N.EUR`
Greece	`ECB:PEM:H.GR.W0.EMP0.1._T._T._X._Z.N.EUR`
Croatia	`ECB:PEM:H.HR.W0.EMP0.1._T._T._X._Z.N.EUR`
Hungary	`ECB:PEM:H.HU.W0.EMP0.1._T._T._X._Z.N.EUR`
Ireland	`ECB:PEM:H.IE.W0.EMP0.1._T._T._X._Z.N.EUR`
Italy	`ECB:PEM:H.IT.W0.EMP0.1._T._T._X._Z.N.EUR`
Lithuania	`ECB:PEM:H.LT.W0.EMP0.1._T._T._X._Z.N.EUR`
Luxembourg	`ECB:PEM:H.LU.W0.EMP0.1._T._T._X._Z.N.EUR`
Latvia	`ECB:PEM:H.LV.W0.EMP0.1._T._T._X._Z.N.EUR`
Malta	`ECB:PEM:H.MT.W0.EMP0.1._T._T._X._Z.N.EUR`
Netherlands	`ECB:PEM:H.NL.W0.EMP0.1._T._T._X._Z.N.EUR`
Poland	`ECB:PEM:H.PL.W0.EMP0.1._T._T._X._Z.N.EUR`
Portugal	`ECB:PEM:H.PT.W0.EMP0.1._T._T._X._Z.N.EUR`
Romania	`ECB:PEM:H.RO.W0.EMP0.1._T._T._X._Z.N.EUR`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PEM:H.SI.W0.EMP0.1._T._T._X._Z.N.EUR`
Slovakia	`ECB:PEM:H.SK.W0.EMP0.1._T._T._X._Z.N.EUR`
Euro area	`ECB:PEM:H.U2.W0.EMP0.1._T._T._X._Z.N.EUR`
European Union	`ECB:PEM:H.B0.W0.EMP0.1._T._T._X._Z.N.EUR`

Direct debits (payer side) — exact ECB keys

ECB:PDD:H.{area}.W0.1._T.DDS_ALL._T._Z.N.PN

Direct debits (payer side) — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PDD:H.AT.W0.1._T.DDS_ALL._T._Z.N.PN`
Belgium	`ECB:PDD:H.BE.W0.1._T.DDS_ALL._T._Z.N.PN`
Bulgaria	`ECB:PDD:H.BG.W0.1._T.DDS_ALL._T._Z.N.PN`
Cyprus	`ECB:PDD:H.CY.W0.1._T.DDS_ALL._T._Z.N.PN`
Czechia	`ECB:PDD:H.CZ.W0.1._T.DDS_ALL._T._Z.N.PN`
Germany	`ECB:PDD:H.DE.W0.1._T.DDS_ALL._T._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PDD:H.EE.W0.1._T.DDS_ALL._T._Z.N.PN`
Spain	`ECB:PDD:H.ES.W0.1._T.DDS_ALL._T._Z.N.PN`
Finland	`ECB:PDD:H.FI.W0.1._T.DDS_ALL._T._Z.N.PN`
France	`ECB:PDD:H.FR.W0.1._T.DDS_ALL._T._Z.N.PN`
Greece	`ECB:PDD:H.GR.W0.1._T.DDS_ALL._T._Z.N.PN`
Croatia	`ECB:PDD:H.HR.W0.1._T.DDS_ALL._T._Z.N.PN`
Hungary	`ECB:PDD:H.HU.W0.1._T.DDS_ALL._T._Z.N.PN`
Ireland	`ECB:PDD:H.IE.W0.1._T.DDS_ALL._T._Z.N.PN`
Italy	`ECB:PDD:H.IT.W0.1._T.DDS_ALL._T._Z.N.PN`
Lithuania	`ECB:PDD:H.LT.W0.1._T.DDS_ALL._T._Z.N.PN`
Luxembourg	`ECB:PDD:H.LU.W0.1._T.DDS_ALL._T._Z.N.PN`
Latvia	`ECB:PDD:H.LV.W0.1._T.DDS_ALL._T._Z.N.PN`
Malta	`ECB:PDD:H.MT.W0.1._T.DDS_ALL._T._Z.N.PN`
Netherlands	`ECB:PDD:H.NL.W0.1._T.DDS_ALL._T._Z.N.PN`
Poland	`ECB:PDD:H.PL.W0.1._T.DDS_ALL._T._Z.N.PN`
Portugal	`ECB:PDD:H.PT.W0.1._T.DDS_ALL._T._Z.N.PN`
Romania	`ECB:PDD:H.RO.W0.1._T.DDS_ALL._T._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PDD:H.SI.W0.1._T.DDS_ALL._T._Z.N.PN`
Slovakia	`ECB:PDD:H.SK.W0.1._T.DDS_ALL._T._Z.N.PN`
Euro area	`ECB:PDD:H.U2.W0.1._T.DDS_ALL._T._Z.N.PN`
European Union	`ECB:PDD:H.B0.W0.1._T.DDS_ALL._T._Z.N.PN`

Direct debits (payer side), value — exact ECB keys

ECB:PDD:H.{area}.W0.1._T.DDS_ALL._T._Z.N.EUR

Direct debits (payer side), value — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PDD:H.AT.W0.1._T.DDS_ALL._T._Z.N.EUR`
Belgium	`ECB:PDD:H.BE.W0.1._T.DDS_ALL._T._Z.N.EUR`
Bulgaria	`ECB:PDD:H.BG.W0.1._T.DDS_ALL._T._Z.N.EUR`
Cyprus	`ECB:PDD:H.CY.W0.1._T.DDS_ALL._T._Z.N.EUR`
Czechia	`ECB:PDD:H.CZ.W0.1._T.DDS_ALL._T._Z.N.EUR`
Germany	`ECB:PDD:H.DE.W0.1._T.DDS_ALL._T._Z.N.EUR`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PDD:H.EE.W0.1._T.DDS_ALL._T._Z.N.EUR`
Spain	`ECB:PDD:H.ES.W0.1._T.DDS_ALL._T._Z.N.EUR`
Finland	`ECB:PDD:H.FI.W0.1._T.DDS_ALL._T._Z.N.EUR`
France	`ECB:PDD:H.FR.W0.1._T.DDS_ALL._T._Z.N.EUR`
Greece	`ECB:PDD:H.GR.W0.1._T.DDS_ALL._T._Z.N.EUR`
Croatia	`ECB:PDD:H.HR.W0.1._T.DDS_ALL._T._Z.N.EUR`
Hungary	`ECB:PDD:H.HU.W0.1._T.DDS_ALL._T._Z.N.EUR`
Ireland	`ECB:PDD:H.IE.W0.1._T.DDS_ALL._T._Z.N.EUR`
Italy	`ECB:PDD:H.IT.W0.1._T.DDS_ALL._T._Z.N.EUR`
Lithuania	`ECB:PDD:H.LT.W0.1._T.DDS_ALL._T._Z.N.EUR`
Luxembourg	`ECB:PDD:H.LU.W0.1._T.DDS_ALL._T._Z.N.EUR`
Latvia	`ECB:PDD:H.LV.W0.1._T.DDS_ALL._T._Z.N.EUR`
Malta	`ECB:PDD:H.MT.W0.1._T.DDS_ALL._T._Z.N.EUR`
Netherlands	`ECB:PDD:H.NL.W0.1._T.DDS_ALL._T._Z.N.EUR`
Poland	`ECB:PDD:H.PL.W0.1._T.DDS_ALL._T._Z.N.EUR`
Portugal	`ECB:PDD:H.PT.W0.1._T.DDS_ALL._T._Z.N.EUR`
Romania	`ECB:PDD:H.RO.W0.1._T.DDS_ALL._T._Z.N.EUR`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PDD:H.SI.W0.1._T.DDS_ALL._T._Z.N.EUR`
Slovakia	`ECB:PDD:H.SK.W0.1._T.DDS_ALL._T._Z.N.EUR`
Euro area	`ECB:PDD:H.U2.W0.1._T.DDS_ALL._T._Z.N.EUR`
European Union	`ECB:PDD:H.B0.W0.1._T.DDS_ALL._T._Z.N.EUR`

Credit transfers sent — exact ECB keys

ECB:PCT:H.{area}.W0.1._T._T.CTS_ALL._X._Z.N.PN

Credit transfers sent — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCT:H.AT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Belgium	`ECB:PCT:H.BE.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Bulgaria	`ECB:PCT:H.BG.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Cyprus	`ECB:PCT:H.CY.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Czechia	`ECB:PCT:H.CZ.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Germany	`ECB:PCT:H.DE.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCT:H.EE.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Spain	`ECB:PCT:H.ES.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Finland	`ECB:PCT:H.FI.W0.1._T._T.CTS_ALL._X._Z.N.PN`
France	`ECB:PCT:H.FR.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Greece	`ECB:PCT:H.GR.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Croatia	`ECB:PCT:H.HR.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Hungary	`ECB:PCT:H.HU.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Ireland	`ECB:PCT:H.IE.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Italy	`ECB:PCT:H.IT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Lithuania	`ECB:PCT:H.LT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Luxembourg	`ECB:PCT:H.LU.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Latvia	`ECB:PCT:H.LV.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Malta	`ECB:PCT:H.MT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Netherlands	`ECB:PCT:H.NL.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Poland	`ECB:PCT:H.PL.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Portugal	`ECB:PCT:H.PT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Romania	`ECB:PCT:H.RO.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCT:H.SI.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Slovakia	`ECB:PCT:H.SK.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Euro area	`ECB:PCT:H.U2.W0.1._T._T.CTS_ALL._X._Z.N.PN`
European Union	`ECB:PCT:H.B0.W0.1._T._T.CTS_ALL._X._Z.N.PN`

Credit transfers sent, value — exact ECB keys

ECB:PCT:H.{area}.W0.1._T._T.CTS_ALL._X._Z.N.EUR

Credit transfers sent, value — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCT:H.AT.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Belgium	`ECB:PCT:H.BE.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Bulgaria	`ECB:PCT:H.BG.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Cyprus	`ECB:PCT:H.CY.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Czechia	`ECB:PCT:H.CZ.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Germany	`ECB:PCT:H.DE.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCT:H.EE.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Spain	`ECB:PCT:H.ES.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Finland	`ECB:PCT:H.FI.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
France	`ECB:PCT:H.FR.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Greece	`ECB:PCT:H.GR.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Croatia	`ECB:PCT:H.HR.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Hungary	`ECB:PCT:H.HU.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Ireland	`ECB:PCT:H.IE.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Italy	`ECB:PCT:H.IT.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Lithuania	`ECB:PCT:H.LT.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Luxembourg	`ECB:PCT:H.LU.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Latvia	`ECB:PCT:H.LV.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Malta	`ECB:PCT:H.MT.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Netherlands	`ECB:PCT:H.NL.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Poland	`ECB:PCT:H.PL.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Portugal	`ECB:PCT:H.PT.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Romania	`ECB:PCT:H.RO.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCT:H.SI.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Slovakia	`ECB:PCT:H.SK.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Euro area	`ECB:PCT:H.U2.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
European Union	`ECB:PCT:H.B0.W0.1._T._T.CTS_ALL._X._Z.N.EUR`

Card payment fraud rate (issuer side) — exact ECB keys

ECB:PCP:H.{area}.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR ÷ ECB:PCP:H.{area}.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR × 10000

Card payment fraud rate (issuer side) — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCP:H.AT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.AT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Belgium	`ECB:PCP:H.BE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.BE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Bulgaria	`ECB:PCP:H.BG.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.BG.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Cyprus	`ECB:PCP:H.CY.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.CY.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Czechia	`ECB:PCP:H.CZ.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.CZ.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Germany	`ECB:PCP:H.DE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.DE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCP:H.EE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.EE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Spain	`ECB:PCP:H.ES.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.ES.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Finland	`ECB:PCP:H.FI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.FI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
France	`ECB:PCP:H.FR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.FR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Greece	`ECB:PCP:H.GR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.GR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Croatia	`ECB:PCP:H.HR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.HR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Hungary	`ECB:PCP:H.HU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.HU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Ireland	`ECB:PCP:H.IE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.IE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Italy	`ECB:PCP:H.IT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.IT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Lithuania	`ECB:PCP:H.LT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.LT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Luxembourg	`ECB:PCP:H.LU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.LU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Latvia	`ECB:PCP:H.LV.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.LV.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Malta	`ECB:PCP:H.MT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.MT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Netherlands	`ECB:PCP:H.NL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.NL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Poland	`ECB:PCP:H.PL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.PL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Portugal	`ECB:PCP:H.PT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.PT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Romania	`ECB:PCP:H.RO.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.RO.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCP:H.SI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.SI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Slovakia	`ECB:PCP:H.SK.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.SK.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
Euro area	`ECB:PCP:H.U2.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.U2.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`
European Union	`ECB:PCP:H.B0.W0.W0.CP0.1._T._T.PCS_ALL._Z._X.F.N.EUR` `ECB:PCP:H.B0.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.EUR`

Credit transfer fraud rate — exact ECB keys

ECB:PCT:H.{area}.W0.1._T._T.CTS_ALL._X.F.N.EUR ÷ ECB:PCT:H.{area}.W0.1._T._T.CTS_ALL._X._Z.N.EUR × 10000

Credit transfer fraud rate — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCT:H.AT.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.AT.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Belgium	`ECB:PCT:H.BE.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.BE.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Bulgaria	`ECB:PCT:H.BG.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.BG.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Cyprus	`ECB:PCT:H.CY.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.CY.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Czechia	`ECB:PCT:H.CZ.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.CZ.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Germany	`ECB:PCT:H.DE.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.DE.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCT:H.EE.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.EE.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Spain	`ECB:PCT:H.ES.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.ES.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Finland	`ECB:PCT:H.FI.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.FI.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
France	`ECB:PCT:H.FR.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.FR.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Greece	`ECB:PCT:H.GR.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.GR.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Croatia	`ECB:PCT:H.HR.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.HR.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Hungary	`ECB:PCT:H.HU.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.HU.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Ireland	`ECB:PCT:H.IE.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.IE.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Italy	`ECB:PCT:H.IT.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.IT.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Lithuania	`ECB:PCT:H.LT.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.LT.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Luxembourg	`ECB:PCT:H.LU.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.LU.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Latvia	`ECB:PCT:H.LV.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.LV.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Malta	`ECB:PCT:H.MT.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.MT.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Netherlands	`ECB:PCT:H.NL.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.NL.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Poland	`ECB:PCT:H.PL.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.PL.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Portugal	`ECB:PCT:H.PT.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.PT.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Romania	`ECB:PCT:H.RO.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.RO.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCT:H.SI.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.SI.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Slovakia	`ECB:PCT:H.SK.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.SK.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
Euro area	`ECB:PCT:H.U2.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.U2.W0.1._T._T.CTS_ALL._X._Z.N.EUR`
European Union	`ECB:PCT:H.B0.W0.1._T._T.CTS_ALL._X.F.N.EUR` `ECB:PCT:H.B0.W0.1._T._T.CTS_ALL._X._Z.N.EUR`

Remote (online) share of card payments — exact ECB keys

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

Remote (online) share of card payments — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCP:H.AT.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.AT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Belgium	`ECB:PCP:H.BE.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.BE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Bulgaria	`ECB:PCP:H.BG.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.BG.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Cyprus	`ECB:PCP:H.CY.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.CY.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Czechia	`ECB:PCP:H.CZ.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.CZ.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Germany	`ECB:PCP:H.DE.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.DE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCP:H.EE.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.EE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Spain	`ECB:PCP:H.ES.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.ES.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Finland	`ECB:PCP:H.FI.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.FI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
France	`ECB:PCP:H.FR.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.FR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Greece	`ECB:PCP:H.GR.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.GR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Croatia	`ECB:PCP:H.HR.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.HR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Hungary	`ECB:PCP:H.HU.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.HU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Ireland	`ECB:PCP:H.IE.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.IE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Italy	`ECB:PCP:H.IT.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.IT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Lithuania	`ECB:PCP:H.LT.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.LT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Luxembourg	`ECB:PCP:H.LU.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.LU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Latvia	`ECB:PCP:H.LV.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.LV.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Malta	`ECB:PCP:H.MT.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.MT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Netherlands	`ECB:PCP:H.NL.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.NL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Poland	`ECB:PCP:H.PL.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.PL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Portugal	`ECB:PCP:H.PT.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.PT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Romania	`ECB:PCP:H.RO.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.RO.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCP:H.SI.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.SI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Slovakia	`ECB:PCP:H.SK.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.SK.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Euro area	`ECB:PCP:H.U2.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.U2.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
European Union	`ECB:PCP:H.B0.W0.W0.CP0.1._T.R.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.B0.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`

Remotely initiated share of electronic credit transfers — exact ECB keys

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

Remotely initiated share of electronic credit transfers — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCT:H.AT.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.AT.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Belgium	`ECB:PCT:H.BE.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.BE.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Bulgaria	`ECB:PCT:H.BG.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.BG.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Cyprus	`ECB:PCT:H.CY.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.CY.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Czechia	`ECB:PCT:H.CZ.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.CZ.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Germany	`ECB:PCT:H.DE.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.DE.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCT:H.EE.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.EE.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Spain	`ECB:PCT:H.ES.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.ES.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Finland	`ECB:PCT:H.FI.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.FI.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
France	`ECB:PCT:H.FR.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.FR.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Greece	`ECB:PCT:H.GR.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.GR.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Croatia	`ECB:PCT:H.HR.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.HR.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Hungary	`ECB:PCT:H.HU.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.HU.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Ireland	`ECB:PCT:H.IE.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.IE.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Italy	`ECB:PCT:H.IT.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.IT.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Lithuania	`ECB:PCT:H.LT.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.LT.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Luxembourg	`ECB:PCT:H.LU.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.LU.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Latvia	`ECB:PCT:H.LV.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.LV.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Malta	`ECB:PCT:H.MT.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.MT.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Netherlands	`ECB:PCT:H.NL.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.NL.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Poland	`ECB:PCT:H.PL.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.PL.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Portugal	`ECB:PCT:H.PT.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.PT.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Romania	`ECB:PCT:H.RO.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.RO.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCT:H.SI.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.SI.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Slovakia	`ECB:PCT:H.SK.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.SK.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
Euro area	`ECB:PCT:H.U2.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.U2.W0.1.2000._T.CTS_ALL._X._Z.N.PN`
European Union	`ECB:PCT:H.B0.W0.1.2000.R.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.B0.W0.1.2000._T.CTS_ALL._X._Z.N.PN`

Strong customer authentication on remote card payments — exact ECB keys

ECB:PCP:H.{area}.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN ÷ ECB:PCP:H.{area}.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN × 100

Strong customer authentication on remote card payments — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCP:H.AT.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.AT.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Belgium	`ECB:PCP:H.BE.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.BE.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Bulgaria	`ECB:PCP:H.BG.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.BG.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Cyprus	`ECB:PCP:H.CY.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.CY.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Czechia	`ECB:PCP:H.CZ.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.CZ.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Germany	`ECB:PCP:H.DE.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.DE.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCP:H.EE.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.EE.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Spain	`ECB:PCP:H.ES.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.ES.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Finland	`ECB:PCP:H.FI.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.FI.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
France	`ECB:PCP:H.FR.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.FR.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Greece	`ECB:PCP:H.GR.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.GR.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Croatia	`ECB:PCP:H.HR.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.HR.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Hungary	`ECB:PCP:H.HU.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.HU.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Ireland	`ECB:PCP:H.IE.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.IE.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Italy	`ECB:PCP:H.IT.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.IT.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Lithuania	`ECB:PCP:H.LT.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.LT.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Luxembourg	`ECB:PCP:H.LU.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.LU.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Latvia	`ECB:PCP:H.LV.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.LV.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Malta	`ECB:PCP:H.MT.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.MT.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Netherlands	`ECB:PCP:H.NL.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.NL.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Poland	`ECB:PCP:H.PL.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.PL.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Portugal	`ECB:PCP:H.PT.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.PT.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Romania	`ECB:PCP:H.RO.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.RO.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCP:H.SI.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.SI.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Slovakia	`ECB:PCP:H.SK.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.SK.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
Euro area	`ECB:PCP:H.U2.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.U2.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`
European Union	`ECB:PCP:H.B0.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN` `ECB:PCP:H.B0.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN`

Strong customer authentication on remote credit transfers — exact ECB keys

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

Strong customer authentication on remote credit transfers — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCT:H.AT.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.AT.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Belgium	`ECB:PCT:H.BE.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.BE.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Bulgaria	`ECB:PCT:H.BG.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.BG.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Cyprus	`ECB:PCT:H.CY.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.CY.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Czechia	`ECB:PCT:H.CZ.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.CZ.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Germany	`ECB:PCT:H.DE.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.DE.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCT:H.EE.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.EE.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Spain	`ECB:PCT:H.ES.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.ES.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Finland	`ECB:PCT:H.FI.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.FI.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
France	`ECB:PCT:H.FR.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.FR.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Greece	`ECB:PCT:H.GR.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.GR.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Croatia	`ECB:PCT:H.HR.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.HR.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Hungary	`ECB:PCT:H.HU.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.HU.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Ireland	`ECB:PCT:H.IE.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.IE.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Italy	`ECB:PCT:H.IT.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.IT.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Lithuania	`ECB:PCT:H.LT.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.LT.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Luxembourg	`ECB:PCT:H.LU.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.LU.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Latvia	`ECB:PCT:H.LV.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.LV.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Malta	`ECB:PCT:H.MT.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.MT.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Netherlands	`ECB:PCT:H.NL.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.NL.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Poland	`ECB:PCT:H.PL.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.PL.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Portugal	`ECB:PCT:H.PT.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.PT.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Romania	`ECB:PCT:H.RO.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.RO.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCT:H.SI.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.SI.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Slovakia	`ECB:PCT:H.SK.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.SK.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
Euro area	`ECB:PCT:H.U2.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.U2.W0.1.2000.R.CTS_ALL._X._Z.N.PN`
European Union	`ECB:PCT:H.B0.W0.1.2000.R.CTS_ALL.100._Z.N.PN` `ECB:PCT:H.B0.W0.1.2000.R.CTS_ALL._X._Z.N.PN`

Cross-border share of credit transfers (number) — exact ECB keys

ECB:PCT:H.{area}.W1.1._T._T.CTS_ALL._X._Z.N.PN ÷ ECB:PCT:H.{area}.W0.1._T._T.CTS_ALL._X._Z.N.PN × 100

Cross-border share of credit transfers (number) — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCT:H.AT.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.AT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Belgium	`ECB:PCT:H.BE.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.BE.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Bulgaria	`ECB:PCT:H.BG.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.BG.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Cyprus	`ECB:PCT:H.CY.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.CY.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Czechia	`ECB:PCT:H.CZ.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.CZ.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Germany	`ECB:PCT:H.DE.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.DE.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCT:H.EE.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.EE.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Spain	`ECB:PCT:H.ES.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.ES.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Finland	`ECB:PCT:H.FI.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.FI.W0.1._T._T.CTS_ALL._X._Z.N.PN`
France	`ECB:PCT:H.FR.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.FR.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Greece	`ECB:PCT:H.GR.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.GR.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Croatia	`ECB:PCT:H.HR.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.HR.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Hungary	`ECB:PCT:H.HU.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.HU.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Ireland	`ECB:PCT:H.IE.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.IE.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Italy	`ECB:PCT:H.IT.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.IT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Lithuania	`ECB:PCT:H.LT.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.LT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Luxembourg	`ECB:PCT:H.LU.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.LU.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Latvia	`ECB:PCT:H.LV.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.LV.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Malta	`ECB:PCT:H.MT.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.MT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Netherlands	`ECB:PCT:H.NL.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.NL.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Poland	`ECB:PCT:H.PL.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.PL.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Portugal	`ECB:PCT:H.PT.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.PT.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Romania	`ECB:PCT:H.RO.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.RO.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCT:H.SI.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.SI.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Slovakia	`ECB:PCT:H.SK.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.SK.W0.1._T._T.CTS_ALL._X._Z.N.PN`
Euro area	`ECB:PCT:H.U2.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.U2.W0.1._T._T.CTS_ALL._X._Z.N.PN`
European Union	`ECB:PCT:H.B0.W1.1._T._T.CTS_ALL._X._Z.N.PN` `ECB:PCT:H.B0.W0.1._T._T.CTS_ALL._X._Z.N.PN`

Share of card payments at terminals abroad — exact ECB keys

ECB:PCP:H.{area}.W0.W1.CP0.1._T._T.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

Share of card payments at terminals abroad — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	`ECB:PCP:H.AT.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.AT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Belgium	`ECB:PCP:H.BE.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.BE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Bulgaria	`ECB:PCP:H.BG.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.BG.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Cyprus	`ECB:PCP:H.CY.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.CY.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Czechia	`ECB:PCP:H.CZ.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.CZ.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Germany	`ECB:PCP:H.DE.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.DE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	`ECB:PCP:H.EE.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.EE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Spain	`ECB:PCP:H.ES.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.ES.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Finland	`ECB:PCP:H.FI.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.FI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
France	`ECB:PCP:H.FR.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.FR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Greece	`ECB:PCP:H.GR.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.GR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Croatia	`ECB:PCP:H.HR.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.HR.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Hungary	`ECB:PCP:H.HU.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.HU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Ireland	`ECB:PCP:H.IE.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.IE.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Italy	`ECB:PCP:H.IT.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.IT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Lithuania	`ECB:PCP:H.LT.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.LT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Luxembourg	`ECB:PCP:H.LU.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.LU.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Latvia	`ECB:PCP:H.LV.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.LV.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Malta	`ECB:PCP:H.MT.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.MT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Netherlands	`ECB:PCP:H.NL.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.NL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Poland	`ECB:PCP:H.PL.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.PL.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Portugal	`ECB:PCP:H.PT.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.PT.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Romania	`ECB:PCP:H.RO.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.RO.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PCP:H.SI.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.SI.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Slovakia	`ECB:PCP:H.SK.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.SK.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
Euro area	`ECB:PCP:H.U2.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.U2.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`
European Union	`ECB:PCP:H.B0.W0.W1.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN` `ECB:PCP:H.B0.W0.W0.CP0.1._T._T.PCS_ALL._Z._X._Z.N.PN`

POS terminals — exact ECB keys

ECB:PTN:H.{area}.W0.2222._T.PN

POS terminals — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	No input keys supplied for this area; see the formula template above.
Belgium	No input keys supplied for this area; see the formula template above.
Bulgaria	No input keys supplied for this area; see the formula template above.
Cyprus	No input keys supplied for this area; see the formula template above.
Czechia	No input keys supplied for this area; see the formula template above.
Germany	No input keys supplied for this area; see the formula template above.
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	No input keys supplied for this area; see the formula template above.
Spain	No input keys supplied for this area; see the formula template above.
Finland	No input keys supplied for this area; see the formula template above.
France	No input keys supplied for this area; see the formula template above.
Greece	No input keys supplied for this area; see the formula template above.
Croatia	No input keys supplied for this area; see the formula template above.
Hungary	No input keys supplied for this area; see the formula template above.
Ireland	No input keys supplied for this area; see the formula template above.
Italy	No input keys supplied for this area; see the formula template above.
Lithuania	No input keys supplied for this area; see the formula template above.
Luxembourg	No input keys supplied for this area; see the formula template above.
Latvia	No input keys supplied for this area; see the formula template above.
Malta	`ECB:PTN:H.MT.W0.2222._T.PN`
Netherlands	`ECB:PTN:H.NL.W0.2222._T.PN`
Poland	No input keys supplied for this area; see the formula template above.
Portugal	No input keys supplied for this area; see the formula template above.
Romania	No input keys supplied for this area; see the formula template above.
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	No input keys supplied for this area; see the formula template above.
Slovakia	No input keys supplied for this area; see the formula template above.
Euro area	No input keys supplied for this area; see the formula template above.
European Union	No input keys supplied for this area; see the formula template above.

ATMs — exact ECB keys

ECB:PTN:H.{area}.W0.2221._T.PN

ATMs — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	No input keys supplied for this area; see the formula template above.
Belgium	No input keys supplied for this area; see the formula template above.
Bulgaria	No input keys supplied for this area; see the formula template above.
Cyprus	No input keys supplied for this area; see the formula template above.
Czechia	No input keys supplied for this area; see the formula template above.
Germany	No input keys supplied for this area; see the formula template above.
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	No input keys supplied for this area; see the formula template above.
Spain	No input keys supplied for this area; see the formula template above.
Finland	No input keys supplied for this area; see the formula template above.
France	No input keys supplied for this area; see the formula template above.
Greece	No input keys supplied for this area; see the formula template above.
Croatia	No input keys supplied for this area; see the formula template above.
Hungary	No input keys supplied for this area; see the formula template above.
Ireland	No input keys supplied for this area; see the formula template above.
Italy	No input keys supplied for this area; see the formula template above.
Lithuania	No input keys supplied for this area; see the formula template above.
Luxembourg	No input keys supplied for this area; see the formula template above.
Latvia	No input keys supplied for this area; see the formula template above.
Malta	`ECB:PTN:H.MT.W0.2221._T.PN`
Netherlands	`ECB:PTN:H.NL.W0.2221._T.PN`
Poland	No input keys supplied for this area; see the formula template above.
Portugal	No input keys supplied for this area; see the formula template above.
Romania	No input keys supplied for this area; see the formula template above.
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	No input keys supplied for this area; see the formula template above.
Slovakia	No input keys supplied for this area; see the formula template above.
Euro area	No input keys supplied for this area; see the formula template above.
European Union	No input keys supplied for this area; see the formula template above.

POS terminals per million inhabitants (ECB) — exact ECB keys

ECB:PTN:H.{area}.W0.2222._T.PN_R_POP6

POS terminals per million inhabitants (ECB) — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	No input keys supplied for this area; see the formula template above.
Belgium	No input keys supplied for this area; see the formula template above.
Bulgaria	No input keys supplied for this area; see the formula template above.
Cyprus	No input keys supplied for this area; see the formula template above.
Czechia	No input keys supplied for this area; see the formula template above.
Germany	No input keys supplied for this area; see the formula template above.
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	No input keys supplied for this area; see the formula template above.
Spain	No input keys supplied for this area; see the formula template above.
Finland	No input keys supplied for this area; see the formula template above.
France	No input keys supplied for this area; see the formula template above.
Greece	No input keys supplied for this area; see the formula template above.
Croatia	No input keys supplied for this area; see the formula template above.
Hungary	No input keys supplied for this area; see the formula template above.
Ireland	No input keys supplied for this area; see the formula template above.
Italy	No input keys supplied for this area; see the formula template above.
Lithuania	No input keys supplied for this area; see the formula template above.
Luxembourg	No input keys supplied for this area; see the formula template above.
Latvia	No input keys supplied for this area; see the formula template above.
Malta	`ECB:PTN:H.MT.W0.2222._T.PN_R_POP6`
Netherlands	`ECB:PTN:H.NL.W0.2222._T.PN_R_POP6`
Poland	No input keys supplied for this area; see the formula template above.
Portugal	No input keys supplied for this area; see the formula template above.
Romania	No input keys supplied for this area; see the formula template above.
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	No input keys supplied for this area; see the formula template above.
Slovakia	No input keys supplied for this area; see the formula template above.
Euro area	No input keys supplied for this area; see the formula template above.
European Union	No input keys supplied for this area; see the formula template above.

ATMs per million inhabitants (ECB) — exact ECB keys

ECB:PTN:H.{area}.W0.2221._T.PN_R_POP6

ATMs per million inhabitants (ECB) — inputs for H1 and H2 2025
Area	Exact series keys supplied by the mart
Austria	No input keys supplied for this area; see the formula template above.
Belgium	No input keys supplied for this area; see the formula template above.
Bulgaria	No input keys supplied for this area; see the formula template above.
Cyprus	No input keys supplied for this area; see the formula template above.
Czechia	No input keys supplied for this area; see the formula template above.
Germany	No input keys supplied for this area; see the formula template above.
Denmark	No input keys supplied for this area; see the formula template above.
Estonia	No input keys supplied for this area; see the formula template above.
Spain	No input keys supplied for this area; see the formula template above.
Finland	No input keys supplied for this area; see the formula template above.
France	No input keys supplied for this area; see the formula template above.
Greece	No input keys supplied for this area; see the formula template above.
Croatia	No input keys supplied for this area; see the formula template above.
Hungary	`ECB:PTN:H.HU.W0.2221._T.PN_R_POP6`
Ireland	`ECB:PTN:H.IE.W0.2221._T.PN_R_POP6`
Italy	`ECB:PTN:H.IT.W0.2221._T.PN_R_POP6`
Lithuania	`ECB:PTN:H.LT.W0.2221._T.PN_R_POP6`
Luxembourg	`ECB:PTN:H.LU.W0.2221._T.PN_R_POP6`
Latvia	`ECB:PTN:H.LV.W0.2221._T.PN_R_POP6`
Malta	`ECB:PTN:H.MT.W0.2221._T.PN_R_POP6`
Netherlands	`ECB:PTN:H.NL.W0.2221._T.PN_R_POP6`
Poland	`ECB:PTN:H.PL.W0.2221._T.PN_R_POP6`
Portugal	`ECB:PTN:H.PT.W0.2221._T.PN_R_POP6`
Romania	`ECB:PTN:H.RO.W0.2221._T.PN_R_POP6`
Sweden	No input keys supplied for this area; see the formula template above.
Slovenia	`ECB:PTN:H.SI.W0.2221._T.PN_R_POP6`
Slovakia	`ECB:PTN:H.SK.W0.2221._T.PN_R_POP6`
Euro area	`ECB:PTN:H.U2.W0.2221._T.PN_R_POP6`
European Union	`ECB:PTN:H.B0.W0.2221._T.PN_R_POP6`

Attribution & reuse

Source: European Central Bank, payment statistics (half-yearly). Scrolld derives the shares and rates shown as derived; every figure links to its ECB series. Half-year comparisons are additional Scrolld calculations, explicitly labelled above. The underlying ECB statistics are available free of charge. ECB copyright and reuse policy.

Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (terminals)
Malta	1 of 2	3,548,076.0 terminals	3,898,450.0 terminals	+350,374.0 terminals
Netherlands	2 of 2	1,923,019.0 terminals	2,169,101.0 terminals	+246,082.0 terminals
Austria	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Belgium	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Bulgaria	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Cyprus	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Czechia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Germany	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Estonia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Spain	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Finland	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
France	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Greece	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Croatia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Hungary	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Ireland	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Italy	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Lithuania	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Luxembourg	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Latvia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Poland	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Portugal	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Romania	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Slovenia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Slovakia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (terminals)
Netherlands	1 of 2	1,052.0 terminals	1,097.0 terminals	+45.0 terminals
Malta	2 of 2	205.0 terminals	204.0 terminals	-1.0 terminals
Austria	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Belgium	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Bulgaria	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Cyprus	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Czechia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Germany	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Estonia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Spain	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Finland	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
France	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Greece	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Croatia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Hungary	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Ireland	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Italy	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Lithuania	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Luxembourg	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Latvia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Poland	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Portugal	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Romania	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Slovenia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Slovakia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values

Area	H2 rank	H1 2025	H2 2025 (provisional)	Change: H2 − H1 (terminals per million inhabitants)
Malta	1 of 2	6,098,289.0 terminals per million inhabitants	6,637,060.4 terminals per million inhabitants	+538,771.4 terminals per million inhabitants
Netherlands	2 of 2	106,467.7 terminals per million inhabitants	119,667.9 terminals per million inhabitants	+13,200.3 terminals per million inhabitants
Austria	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Belgium	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Bulgaria	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Cyprus	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Czechia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Germany	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Denmark	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Estonia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Spain	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Finland	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
France	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Greece	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Croatia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Hungary	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Ireland	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Italy	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Lithuania	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Luxembourg	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Latvia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Poland	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Portugal	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Romania	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Sweden	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Slovenia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values
Slovakia	Unranked	Absent from this mart response — not zero	Absent from this mart response — not zero	Not comparable — both half-years must have published values