Germany card payments and transfers
Germany card payments and transfers by instrument, value and number of transactions.
Loading chart data…
| Indicator | 2025 | 2024 | 2023 | |
|---|---|---|---|---|
| Number of transactions14 | ||||
| Credit transfers | 7,812.4 | 7,583.9 | 7,289.1 | |
| Paper-initiated credit transfers | 538.1 | 582.7 | 625.3 | |
| Electronically initiated credit transfers | 7,216.8 | 6,937.9 | 6,591.1 | |
| SEPA instant transfers | 679.7 | 336.9 | 247 | |
| Direct debits | 9,952.2 | 9,891 | 9,608.2 | |
| Card payments | 14,532.7 | 13,073.5 | 11,798 | |
| Electronic card payments | 14,452.4 | 12,983.2 | 11,697 | |
| Remote electronic card payments | 1,776 | 1,465.8 | 1,343.7 | |
| Non-remote electronic card payments | 12,676.4 | 11,517.5 | 10,353.1 | |
| Contactless card payments at terminals | 10,842.5 | 9,483.6 | 8,107.7 | |
| Cash withdrawals with cards | 1,379 | 1,460.4 | 1,556.1 | |
| E-money payments | 30.6 | 26.3 | 18.7 | |
| Cheques | 1.5 | 2 | 2.6 | |
| Money remittances | 11 | 6.7 | 7 | |
| Value of transactions14 | ||||
| Credit transfers | 66,122,288 | 63,400,124 | 62,604,783 | |
| Paper-initiated credit transfers | 4,473,064 | 4,480,762 | 4,439,143 | |
| Electronically initiated credit transfers | 60,819,894 | 58,129,513 | 57,378,871 | |
| SEPA instant transfers | 610,352 | 253,572 | 180,531 | |
| Direct debits | 6,224,103 | 5,928,040 | 5,455,180 | |
| Card payments | 605,420 | 574,557 | 542,908 | |
| Electronic card payments | 594,953 | 562,743 | 530,997 | |
| Remote electronic card payments | 126,842 | 110,581 | 99,358 | |
| Non-remote electronic card payments | 468,113 | 452,161 | 431,640 | |
| Contactless card payments at terminals | 374,299 | 342,430 | 305,770 | |
| Cash withdrawals with cards | 348,276 | 358,619 | 371,073 | |
| E-money payments | 915 | 690 | 564 | |
| Cheques | 10,053 | 13,711 | 20,633 | |
| Money remittances | 119,988 | 124,307 | 131,516 | |
| Payment card stock8 | ||||
| Payment cards in circulation | 228,201 | 207,060 | 188,570 | |
| Cards with cash withdrawal function | 150,166 | 151,142 | 155,676 | |
| Cards with payment function | 217,840 | 196,101 | 177,958 | |
| Debit cards | 181,103 | 160,753 | 143,144 | |
| Credit cards without credit function | 29,971 | 27,747 | 28,286 | |
| Credit cards with credit function | 6,766 | 7,600 | 6,527 | |
| Contactless payment cards | 160,805 | 156,893 | 153,359 | |
| Cards with e-money function | 4,913 | 6,214 | 13,741 | |
| Acceptance infrastructure7 | ||||
| Bank ATMs operated by domestic payment providers | 71,609 | 74,099 | 76,517 | |
| Cash dispensing ATMs | 48,925 | 50,515 | 52,264 | |
| ATMs with transfer function | 21,663 | 22,491 | 23,231 | |
| Electronic payment terminals | 1,670,007 | 1,495,864 | 1,426,787 | |
| E-money terminals | 1,589,718 | 1,436,575 | 1,562,086 | |
| E-money loading terminals | 48,258 | 49,683 | 51,856 | |
| Terminals accepting e-money cards | 1,541,460 | 1,386,892 | 1,510,230 |
Latest reading
The series on this page is annual and runs from 2023 to 2025. Source: Deutsche Bundesbank.
About this data
Germany card payments and transfers by instrument, value and number of transactions. This annual payment statistics table from the Deutsche Bundesbank shows credit transfers, direct debits, card payments, cash withdrawals, e-money and cheques. The acceptance infrastructure includes the stock of payment cards, ATMs and terminals. Data on transactions, terminals and cards with e-money or credit function is available since 2023.
Frequently asked questions
- What is the latest figure for Germany card payments and transfers?
- The latest reading is 14,532.7 million transactions, for 2025. That is +11.2% from 2024.
- How far back does the Germany card payments and transfers data go?
- The series on this page is annual and runs from 2023 to 2025. Source: Deutsche Bundesbank. Every series in the table can be charted over its full history and downloaded as CSV or Excel.
- What do the Germany card payments and transfers statistics measure?
- The Germany card payments and transfers statistics measure the number and value of transactions by customers of domestic payment service providers. Instruments include credit transfers, direct debits, card payments, cheques and e-money.
- Which transaction types are broken down in the Germany card payments data?
- The Germany card payments and transfers data breaks down transactions into paper-initiated and electronic credit transfers, SEPA instant transfers, direct debits, remote and non-remote electronic card payments, and contactless payments at terminals.
- What is included in the German payment acceptance infrastructure figures?
- The German acceptance infrastructure figures count the number of payment cards in circulation, including debit cards and credit cards. They also record the number of bank ATMs, cash dispensing ATMs and payment terminals.