Digital payments refer to any form of cashless payment, or payments conducted without banknotes or coins, in an online or offline environment. Such payments can include mobile payments - digital payments performed with a mobile device - but also relatively new trends like buy now, pay later (BNPL), cryptocurrency, or instant (real-time) payments. Out of all these digital options, which developments are noteworthy to know about for Germany?
Digital payments landscape in Germany - statistics & facts
Digital payments refer to any form of cashless payment, or payments conducted without banknotes or coins, in an online or offline environment. Such payments can include mobile payments - digital payments performed with a mobile device - but also relatively new trends like buy now, pay later (BNPL), cryptocurrency, or instant (real-time) payments. Out of all these digital options, which developments are noteworthy to know about for Germany?
Key insights
- Forecasted number of digital payment transactions in Europe
- 286.5bn
Detailed statistics
Number of digital payments worldwide by region 2013-2021, with forecasts to 2026
- Credit card penetration in Germany
- 56.5%
Detailed statistics
Credit card penetration in 161 countries worldwide 2011, 2014, 2017, 2021
- Buy now, pay later market share in domestic e-commerce in Germany
- 23%
Detailed statistics
Buy now, pay later (BNPL) share in e-commerce in 41 countries worldwide 2016-2022
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Market share
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- Premium Statistic Annual level of cash payments in Germany 2007-2021
- Premium Statistic Ratio of currency in circulation (CIC) to GDP of Germany 2010-2021
- Premium Statistic Most popular in-store payment methods in Germany 2017-2022
- Premium Statistic Payments at points of sale by type in Germany 2023
- Premium Statistic Most popular e-commerce payment methods in Germany 2016-2022
- Premium Statistic Most common online payments by type in Germany 2023
Market share
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Annual level of cash payments in Germany 2007-2021
Annual level of cash payments in Germany 2007-2021
Share of cash estimate at point of sale (POS) in Germany from 2007 to 2021
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Ratio of currency in circulation (CIC) to GDP of Germany 2010-2021
Ratio of currency in circulation (CIC) to GDP of Germany 2010-2021
Share of currency in circulation (CIC) to the nominal GDP of Germany from 2010 to 2021
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Premium Statistic
Most popular in-store payment methods in Germany 2017-2022
Most popular in-store payment methods in Germany 2017-2022
Market share of cash, credit cards, and other payment methods at point of sale (POS) in Germany in 2017, 2019, 2020, 2021, and 2022
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Payments at points of sale by type in Germany 2023
Payments at points of sale by type in Germany 2023
Payments at points of sale by type in Germany as of June 2023
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Premium Statistic
Most popular e-commerce payment methods in Germany 2016-2022
Most popular e-commerce payment methods in Germany 2016-2022
Market share of credit cards, wallets, BNPL, and other payment methods in e-commerce in Germany from 2016 to 2022
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Premium Statistic
Most common online payments by type in Germany 2023
Most common online payments by type in Germany 2023
Most common online payments by type in Germany as of June 2023
Penetration
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- Premium Statistic Penetration rate of credit cards in Germany 2013-2028
- Premium Statistic Penetration rate of debit cards in Germany 2013-2028
- Premium Statistic Mobile payments by situation in Germany 2022
- Premium Statistic Payment types accepted by e-commerce vendors in Germany between 2022 and 2024
- Premium Statistic Weekly consumer searches for "QR Code" topic on Google in Germany 2018-2023
- Premium Statistic Annual crypto adoption development in Germany 2020-2022, by metric
- Premium Statistic Instant payment share in payment transactions in Germany in 2022 and 2027
Penetration
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Penetration rate of credit cards in Germany 2013-2028
Penetration rate of credit cards in Germany 2013-2028
Penetration rate of credit cards in Germany from 2013 to 2028
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Premium Statistic
Penetration rate of debit cards in Germany 2013-2028
Penetration rate of debit cards in Germany 2013-2028
Penetration rate of debit cards in Germany from 2013 to 2028
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Premium Statistic
Mobile payments by situation in Germany 2022
Mobile payments by situation in Germany 2022
Mobile payments by situation in Germany in 2022
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Premium Statistic
Payment types accepted by e-commerce vendors in Germany between 2022 and 2024
Payment types accepted by e-commerce vendors in Germany between 2022 and 2024
Current and future implementation of selected digital payments in e-commerce in Germany as of February 2022
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Premium Statistic
Weekly consumer searches for "QR Code" topic on Google in Germany 2018-2023
Weekly consumer searches for "QR Code" topic on Google in Germany 2018-2023
Search interest of consumers in the search topic "QR Code" in Germany from March 2018 to March 2023
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Premium Statistic
Annual crypto adoption development in Germany 2020-2022, by metric
Annual crypto adoption development in Germany 2020-2022, by metric
Crypto Adoption Index ranking of Germany from 2020 to 2022, by metric
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Instant payment share in payment transactions in Germany in 2022 and 2027
Instant payment share in payment transactions in Germany in 2022 and 2027
Market share of real time payments within overall payment transactions in Germany in 2022, with a forecast for 2027
Biggest brands
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- Premium Statistic Girocard, Visa, Mastercard market share in Germany 2016-2021
- Premium Statistic Most used mobile payments by brand in Germany 2023
- Premium Statistic Most used online payments by brand in Germany 2023
- Premium Statistic Key buy now pay, later apps in Germany 2015-2023, based on quarterly downloads
- Premium Statistic Key crypto wallets in Germany 2015-2023, based on quarterly downloads
Biggest brands
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Premium Statistic
Girocard, Visa, Mastercard market share in Germany 2016-2021
Girocard, Visa, Mastercard market share in Germany 2016-2021
Biggest payment card brands - Visa, Mastercard, American Express, or in-market local card schemes - in Germany from 2016 to 2021
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Premium Statistic
Most used mobile payments by brand in Germany 2023
Most used mobile payments by brand in Germany 2023
Most used mobile payments by brand in Germany as of June 2023
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Premium Statistic
Most used online payments by brand in Germany 2023
Most used online payments by brand in Germany 2023
Most used online payments by brand in Germany as of June 2023
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Premium Statistic
Key buy now pay, later apps in Germany 2015-2023, based on quarterly downloads
Key buy now pay, later apps in Germany 2015-2023, based on quarterly downloads
Biggest buy now, pay later (BNPL) apps in Germany from 1st quarter of 2015 up until 1st quarter of 2023, by number of downloads
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Premium Statistic
Key crypto wallets in Germany 2015-2023, based on quarterly downloads
Key crypto wallets in Germany 2015-2023, based on quarterly downloads
Biggest wallets for cryptocurrency storage in Germany from 1st quarter of 2015 up until 1st quarter of 2023, by number of downloads
Users
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- Premium Statistic Annual credit card and debit cards issued in Germany 2000-2021
- Premium Statistic Credit card penetration in Germany in 2011, 2014, 2017, and 2021, by demographic
- Premium Statistic Debit card penetration in Germany in 2011, 2014, 2017, and 2021, by demographic
- Premium Statistic Preference for payment by smartwatch in Germany in 2022, by age and gender
- Premium Statistic Quarterly number of crypto users in Germany 2021-2022
- Premium Statistic Crypto adoption in Germany as of November 2022, by age and gender
Users
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Premium Statistic
Annual credit card and debit cards issued in Germany 2000-2021
Annual credit card and debit cards issued in Germany 2000-2021
Total number of credit cards and debit cards in circulation in Germany from 2000 to 2021
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Premium Statistic
Credit card penetration in Germany in 2011, 2014, 2017, and 2021, by demographic
Credit card penetration in Germany in 2011, 2014, 2017, and 2021, by demographic
Share of individuals who own a credit card in Germany from 2011 to 2021, by age, gender, and income level
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Premium Statistic
Debit card penetration in Germany in 2011, 2014, 2017, and 2021, by demographic
Debit card penetration in Germany in 2011, 2014, 2017, and 2021, by demographic
Share of individuals who own a debit card in Germany from 2011 to 2021, by age, gender, and income level
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Premium Statistic
Preference for payment by smartwatch in Germany in 2022, by age and gender
Preference for payment by smartwatch in Germany in 2022, by age and gender
Share of respondents in Germany who prefer to pay with a smartwatch over cash, card, mobile phone, or biometric payment method in the 2nd quarter and 3rd quarter of 2022
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Premium Statistic
Quarterly number of crypto users in Germany 2021-2022
Quarterly number of crypto users in Germany 2021-2022
Estimated number of people who hold or trade cryptocurrency in Germany from 4th quarter of 2021 to 4th quarter of 2022
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Premium Statistic
Crypto adoption in Germany as of November 2022, by age and gender
Crypto adoption in Germany as of November 2022, by age and gender
Crypto ownership among consumers in Germany in the three months prior to November 2022, by age and gender
Transaction value
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- Premium Statistic Annual credit card spending in Germany 2000-2021, in local currency and USD
- Premium Statistic Annual debit card spending in Germany 2000-2021, in local currency and USD
- Premium Statistic Global QR payment market size in 2020 with forecasts to 2025, by region
- Premium Statistic Mobile payment market size in 10 countries in Europe in 2020, with a 2025 forecast
- Premium Statistic Buy now, pay later (BNPL) market size in Germany in 2022, with a 2028 forecast
- Premium Statistic Annual ATM cash withdrawal value in Germany 2000-2021, in local currency and USD
Transaction value
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Premium Statistic
Annual credit card spending in Germany 2000-2021, in local currency and USD
Annual credit card spending in Germany 2000-2021, in local currency and USD
Value of credit card transactions for payments in Germany from 2000 to 2021 (in million euros, and estimates in U.S. dollars)
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Premium Statistic
Annual debit card spending in Germany 2000-2021, in local currency and USD
Annual debit card spending in Germany 2000-2021, in local currency and USD
Value of debit card transactions for payments in Germany from 2000 to 2021 (in million euros, and estimates in U.S. dollars)
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Premium Statistic
Global QR payment market size in 2020 with forecasts to 2025, by region
Global QR payment market size in 2020 with forecasts to 2025, by region
Market size of QR code transactions in various regions worldwide in 2020 with forecasts from 2021 to 2025 (in billion U.S. dollars)
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Premium Statistic
Mobile payment market size in 10 countries in Europe in 2020, with a 2025 forecast
Mobile payment market size in 10 countries in Europe in 2020, with a 2025 forecast
Transaction volume of mobile payments in selected countries in Europe in 2020 with a forecast for 2025 (in million U.S. dollars)
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Premium Statistic
Buy now, pay later (BNPL) market size in Germany in 2022, with a 2028 forecast
Buy now, pay later (BNPL) market size in Germany in 2022, with a 2028 forecast
Estimated transaction value of buy now, pay later (BNPL) in Germany in 2022, with forecasts for 2023 and 2028 (in million U.S. dollars)
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Premium Statistic
Annual ATM cash withdrawal value in Germany 2000-2021, in local currency and USD
Annual ATM cash withdrawal value in Germany 2000-2021, in local currency and USD
Value of ATM cash withdrawals with cards issued by resident PSPs at terminals provided by resident PSPs in Germany from 2000 to 2021 (in million euros, and estimates in U.S. dollars)
Number of transactions (per user)
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- Premium Statistic Annual number of credit card transactions in Germany 2000-2021, per capita
- Premium Statistic Annual number of debit card transactions in Germany 2000-2021, per capita
- Basic Statistic Size of a credit card transaction in Germany 2000-2021, in local currency and USD
- Basic Statistic Size of a debit card transaction in Germany 2000-2021, in local currency and USD
- Basic Statistic Annual ATM cash withdrawal number in Germany 2000-2021
Number of transactions (per user)
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Premium Statistic
Annual number of credit card transactions in Germany 2000-2021, per capita
Annual number of credit card transactions in Germany 2000-2021, per capita
Total number of credit card transactions processed for payments in Germany from 2000 to 2021
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Premium Statistic
Annual number of debit card transactions in Germany 2000-2021, per capita
Annual number of debit card transactions in Germany 2000-2021, per capita
Total number of debit card transactions processed for payments in Germany from 2000 to 2021
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Basic Statistic
Size of a credit card transaction in Germany 2000-2021, in local currency and USD
Size of a credit card transaction in Germany 2000-2021, in local currency and USD
Average value of a credit card transaction in Germany from 2000 to 2021 (in euros, and estimates in U.S. dollars)
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Basic Statistic
Size of a debit card transaction in Germany 2000-2021, in local currency and USD
Size of a debit card transaction in Germany 2000-2021, in local currency and USD
Average value of a debit card transaction in Germany from 2000 to 2021 (in euros, and estimates in U.S. dollars)
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Basic Statistic
Annual ATM cash withdrawal number in Germany 2000-2021
Annual ATM cash withdrawal number in Germany 2000-2021
Number of ATM cash withdrawals with cards issued by resident PSPs at terminals provided by resident PSPs in Germany from 2000 to 2021 (in millions)
Miscellaneous
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- Basic Statistic POS terminals in Germany 2000-2021
- Premium Statistic Unbanked population in Germany in 2011, 2014, 2017, and 2021, by demographic
- Premium Statistic Internet users in Germany 2013-2028
- Premium Statistic Mobile internet usage reach in Germany 2013-2028
- Premium Statistic E-commerce market volume in Germany 2006-2022
- Premium Statistic Main cross-border online shopping origin markets in Germany 2022, by market share
- Premium Statistic Annual outgoing and incoming remittance flow in Germany 2021, by country
Miscellaneous
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Basic Statistic
POS terminals in Germany 2000-2021
POS terminals in Germany 2000-2021
Total number of POS terminals provided in Germany from 2000 to 2021
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Premium Statistic
Unbanked population in Germany in 2011, 2014, 2017, and 2021, by demographic
Unbanked population in Germany in 2011, 2014, 2017, and 2021, by demographic
Share of individuals who are unbanked, as they do not have access to an account at a financial institution, in Germany from 2011 to 2021, by age, gender, and income level
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Premium Statistic
Internet users in Germany 2013-2028
Internet users in Germany 2013-2028
Number of internet users in Germany from 2013 to 2028 (in millions)
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Premium Statistic
Mobile internet usage reach in Germany 2013-2028
Mobile internet usage reach in Germany 2013-2028
Mobile internet usage penetration in Germany from 2013 to 2028
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Premium Statistic
E-commerce market volume in Germany 2006-2022
E-commerce market volume in Germany 2006-2022
Market volume of e-commerce in Germany from 2006 to 2022, with a forecast for 2023 (in billion euros)
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Premium Statistic
Main cross-border online shopping origin markets in Germany 2022, by market share
Main cross-border online shopping origin markets in Germany 2022, by market share
Leading markets of origin of cross-border online purchases in Germany in 2022, by market share
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Premium Statistic
Annual outgoing and incoming remittance flow in Germany 2021, by country
Annual outgoing and incoming remittance flow in Germany 2021, by country
Value of remittances sent from/to Germany to/from other countries or territories worldwide in 2021 (in million U.S. dollars)
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