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?
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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
- 482bn
Detailed statistics
Number of digital payments worldwide 2013-2021 with forecasts to 2027, by region
- 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
- 21%
Detailed statistics
Buy now, pay later (BNPL) share in e-commerce in 41 countries worldwide 2016-2023
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Market share
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- Premium Statistic Annual level of cash payments in Germany 2007-2021
- Premium Statistic Annual currency in circulation (CIC) to GDP ratio of Germany 2001-2022
- Premium Statistic Most used in-store (POS) payment methods in Germany 2017-2023, with 2027 forecast
- Premium Statistic Payments at points of sale by type in Germany 2023
- Premium Statistic Most used e-commerce payment methods in Germany 2016-2023, with 2027 forecast
- Premium Statistic Most common online payments by type in Germany 2023
- Premium Statistic Penetration of crypto as a means of payment in selected countries worldwide in 2023
Market share
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Premium Statistic
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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Premium Statistic
Annual currency in circulation (CIC) to GDP ratio of Germany 2001-2022
Annual currency in circulation (CIC) to GDP ratio of Germany 2001-2022
Share of currency in circulation (CIC) to the nominal GDP of Germany from 2001 to 2022
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Premium Statistic
Most used in-store (POS) payment methods in Germany 2017-2023, with 2027 forecast
Most used in-store (POS) payment methods in Germany 2017-2023, with 2027 forecast
Market share of cash, credit cards, and other payment methods at point of sale (POS) in Germany from 2017 to 2023, with a forecast for 2027
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Premium Statistic
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 December 2023
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Premium Statistic
Most used e-commerce payment methods in Germany 2016-2023, with 2027 forecast
Most used e-commerce payment methods in Germany 2016-2023, with 2027 forecast
Market share of cash, credit cards, and other payment methods during online shopping in Germany from 2016 to 2023, with a forecast for 2027
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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 December 2023
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Premium Statistic
Penetration of crypto as a means of payment in selected countries worldwide in 2023
Penetration of crypto as a means of payment in selected countries worldwide in 2023
Market share of cryptocurrency compared to other payment methods in selected countries across the world as of 2023
Penetration
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- Premium Statistic Penetration rate of credit cards in Germany 2014-2029
- Premium Statistic Penetration rate of debit cards in Germany 2014-2029
- Premium Statistic Quarterly adoption of mobile payments at POS in Germany 2018-2023
- Premium Statistic Mobile payments by situation in Germany 2022
- Premium Statistic Payment types accepted by all e-commerce vendors in Germany in 2022 and 2024
- Premium Statistic Annual crypto adoption development in Germany 2020-2023, by metric
- Premium Statistic Domestic and cross-border e-commerce revenue share 2023, by country
- Premium Statistic Quarterly market share of outgoing digital remittances in Germany 2016-2023
Penetration
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Premium Statistic
Penetration rate of credit cards in Germany 2014-2029
Penetration rate of credit cards in Germany 2014-2029
Penetration rate of credit cards in Germany from 2014 to 2029
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Premium Statistic
Penetration rate of debit cards in Germany 2014-2029
Penetration rate of debit cards in Germany 2014-2029
Penetration rate of debit cards in Germany from 2014 to 2029
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Premium Statistic
Quarterly adoption of mobile payments at POS in Germany 2018-2023
Quarterly adoption of mobile payments at POS in Germany 2018-2023
Mobile payments usage performed with any mobile device at POS in Germany from 2018 to 4th quarter of 2023
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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 all e-commerce vendors in Germany in 2022 and 2024
Payment types accepted by all e-commerce vendors in Germany in 2022 and 2024
Share of companies that accept selected digital payments for all types of e-commerce in Germany as of February 2024
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Premium Statistic
Annual crypto adoption development in Germany 2020-2023, by metric
Annual crypto adoption development in Germany 2020-2023, by metric
Crypto Adoption Index ranking of Germany from 2020 to 2023, by metric
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Premium Statistic
Domestic and cross-border e-commerce revenue share 2023, by country
Domestic and cross-border e-commerce revenue share 2023, by country
Distribution of domestic and cross-border e-commerce revenues in 2023, by country
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Premium Statistic
Quarterly market share of outgoing digital remittances in Germany 2016-2023
Quarterly market share of outgoing digital remittances in Germany 2016-2023
Share of digitally initiated remittances in Germany from 2nd quarter 2016 to 3rd quarter 2023, based on remittance outflow towards any other country
Biggest brands
6
- Premium Statistic Biggest international and domestic payment card schemes in Germany 2016-2022
- Premium Statistic Most used mobile payments by brand in Germany 2023
- Premium Statistic Most used online payments by brand in Germany 2023
- Premium Statistic Biggest buy now, pay later (BNPL) apps in Germany 2015-2023, based on downloads
- Premium Statistic Biggest cryptocurrency wallets in Germany 2015-2023, based on downloads
- Premium Statistic Quarterly market share of outgoing remittance brands in Germany 2011-2023
Biggest brands
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Premium Statistic
Biggest international and domestic payment card schemes in Germany 2016-2022
Biggest international and domestic payment card schemes in Germany 2016-2022
Market share of payment card brands - Visa, Mastercard, American Express, or in-market local card schemes - in Germany from 2016 to 2022
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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 December 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 December 2023
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Premium Statistic
Biggest buy now, pay later (BNPL) apps in Germany 2015-2023, based on downloads
Biggest buy now, pay later (BNPL) apps in Germany 2015-2023, based on downloads
Biggest buy now, pay later (BNPL) apps in Germany from 1st quarter of 2015 to 4th quarter of 2023, by number of downloads
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Premium Statistic
Biggest cryptocurrency wallets in Germany 2015-2023, based on downloads
Biggest cryptocurrency wallets in Germany 2015-2023, based on downloads
Biggest wallets for cryptocurrency storage in Germany from 1st quarter of 2015 to 4th quarter of 2023, by number of downloads
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Premium Statistic
Quarterly market share of outgoing remittance brands in Germany 2011-2023
Quarterly market share of outgoing remittance brands in Germany 2011-2023
Biggest brands for remittances in Germany from 1st quarter 2011 to 3rd quarter 2023, based on remittance outflow towards any other country
Users
7
- Basic Statistic Annual credit card and debit cards issued in Germany 2000-2022
- Premium Statistic Triennial credit card penetration in Germany 2011-2024, by demographic
- Premium Statistic Triennial debit card penetration in Germany 2011-2024, by demographic
- Premium Statistic Preference for payment by smartwatch in Germany in 2023, by age and gender
- Premium Statistic Top 10 countries worldwide based on number of buy now, pay later (BNPL) users 2022
- 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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Basic Statistic
Annual credit card and debit cards issued in Germany 2000-2022
Annual credit card and debit cards issued in Germany 2000-2022
Total number of credit cards and debit cards in circulation in Germany from 2000 to 2022
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Premium Statistic
Triennial credit card penetration in Germany 2011-2024, by demographic
Triennial credit card penetration in Germany 2011-2024, by demographic
Share of individuals who own a credit card in Germany in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level
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Premium Statistic
Triennial debit card penetration in Germany 2011-2024, by demographic
Triennial debit card penetration in Germany 2011-2024, by demographic
Share of individuals who own a debit card in Germany in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level
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Premium Statistic
Preference for payment by smartwatch in Germany in 2023, by age and gender
Preference for payment by smartwatch in Germany in 2023, 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 from 2nd quarter of 2022 to 2nd quarter of 2023
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Premium Statistic
Top 10 countries worldwide based on number of buy now, pay later (BNPL) users 2022
Top 10 countries worldwide based on number of buy now, pay later (BNPL) users 2022
Leading countries in the world with the highest number of buy now, pay later (BNPL) users as of 2022 (in millions)
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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
6
- Premium Statistic Annual credit card spending in Germany 2012-2022, in local currency and USD
- Premium Statistic Annual debit card spending in Germany 2000-2022, 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 Annual buy now, pay later (BNPL) spending in Germany in 2023, with a 2029 forecast
- Basic 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 2012-2022, in local currency and USD
Annual credit card spending in Germany 2012-2022, in local currency and USD
Value of credit card transactions for payments in Germany from 2012 to 2022 (in million euros, and estimates in U.S. dollars)
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Premium Statistic
Annual debit card spending in Germany 2000-2022, in local currency and USD
Annual debit card spending in Germany 2000-2022, in local currency and USD
Value of debit card transactions for payments in Germany from 2000 to 2022 (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
Annual buy now, pay later (BNPL) spending in Germany in 2023, with a 2029 forecast
Annual buy now, pay later (BNPL) spending in Germany in 2023, with a 2029 forecast
Estimated transaction value of buy now, pay later (BNPL) in Germany in 2023, with forecasts for 2024 and 2029 (in million U.S. dollars)
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Basic 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
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- Premium Statistic Annual number of credit card transactions in Germany 2012-2022, per capita
- Basic Statistic Size of a credit card transaction in Germany 2012-2022, in local currency and USD
- Premium Statistic Annual number of debit card transactions in Germany 2000-2022, per capita
- Basic Statistic Size of a debit card transaction in Germany 2000-2022, in local currency and USD
- Premium Statistic Annual number of real-time payments in Germany in 2022, with a 2027 forecast
Number of transactions
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Premium Statistic
Annual number of credit card transactions in Germany 2012-2022, per capita
Annual number of credit card transactions in Germany 2012-2022, per capita
Total number of credit card transactions processed for payments in Germany from 2012 to 2022
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Basic Statistic
Size of a credit card transaction in Germany 2012-2022, in local currency and USD
Size of a credit card transaction in Germany 2012-2022, in local currency and USD
Average value of a credit card transaction in Germany from 2012 to 2022 (in euros, and estimates in U.S. dollars)
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Premium Statistic
Annual number of debit card transactions in Germany 2000-2022, per capita
Annual number of debit card transactions in Germany 2000-2022, per capita
Total number of debit card transactions processed for payments in Germany from 2000 to 2022
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Basic Statistic
Size of a debit card transaction in Germany 2000-2022, in local currency and USD
Size of a debit card transaction in Germany 2000-2022, in local currency and USD
Average value of a debit card transaction in Germany from 2000 to 2022 (in euros, and estimates in U.S. dollars)
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Premium Statistic
Annual number of real-time payments in Germany in 2022, with a 2027 forecast
Annual number of real-time payments in Germany in 2022, with a 2027 forecast
Total number of real-time (instant) payments in Germany in 2022, with a forecast for 2027
Miscellaneous
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- Basic Statistic Annual number of POS terminals in Germany 2000-2022
- Premium Statistic Triennial unbanked population share in Germany 2011-2024, by demographic
- Premium Statistic Internet users in Germany 2014-2029
- Premium Statistic Mobile internet usage reach in Germany 2014-2029
- 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 value of outgoing and incoming remittance flow in Germany 2021, by country
Miscellaneous
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Basic Statistic
Annual number of POS terminals in Germany 2000-2022
Annual number of POS terminals in Germany 2000-2022
Total number of POS terminals reported in Germany from 2000 to 2022
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Premium Statistic
Triennial unbanked population share in Germany 2011-2024, by demographic
Triennial unbanked population share in Germany 2011-2024, by demographic
Share of unbanked individuals in Germany in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level
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Premium Statistic
Internet users in Germany 2014-2029
Internet users in Germany 2014-2029
Number of internet users in Germany from 2014 to 2029 (in millions)
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Premium Statistic
Mobile internet usage reach in Germany 2014-2029
Mobile internet usage reach in Germany 2014-2029
Mobile internet usage penetration in Germany from 2014 to 2029
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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 value of outgoing and incoming remittance flow in Germany 2021, by country
Annual value of 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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