Germany payment statistics: card payments, transfers, cards and ATMs, annual
How Germany pays, from the Bundesbank payment statistics. Transactions of customers of German payment service providers - credit transfers, direct debits, card payments, cash withdrawals, e-money, cheques and money remittances - by number and value, where each annual figure is the sum of the two half-years.
| 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 latest reading is 14,532.7 Million transactions, for 2025. That is +11.2% from 2024. The series on this page is annual and runs from 2023 to 2025. Source: Deutsche Bundesbank.
- Latest
- 14,532.7 Million transactions
- 2025
- vs previous period
- +11.2%
- 2024
About this data
How Germany pays, from the Bundesbank payment statistics. Transactions of customers of German payment service providers - credit transfers, direct debits, card payments, cash withdrawals, e-money, cheques and money remittances - by number and value, where each annual figure is the sum of the two half-years. Next to them the infrastructure at year-end: payment cards in circulation by type and function, ATMs and payment terminals. Subtypes such as SEPA instant transfers and contactless payments are subsets of their parent instrument, and cards with several functions are counted in each of them.
