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 the UK?
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Digital payments landscape in the United Kingdom (UK) - 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 the UK?
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 the UK
- 62.1%
Detailed statistics
Credit card penetration in 161 countries worldwide 2011, 2014, 2017, 2021
- Buy now, pay later market share in domestic e-commerce in the UK
- 7%
Detailed statistics
Buy now, pay later (BNPL) share in e-commerce in 41 countries worldwide 2016-2023
Editor’s Picks Current statistics on this topic
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Market share
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- Premium Statistic Annual level of cash payments in the UK 2000-2021
- Premium Statistic Annual currency in circulation (CIC) to GDP ratio of the UK 2012-2022
- Premium Statistic Most used in-store (POS) payment methods in the UK 2017-2023, with 2027 forecast
- Premium Statistic Payments at points of sale by type in the UK 2023
- Premium Statistic Most used e-commerce payment methods in the UK 2016-2023, with 2027 forecast
- Premium Statistic Most common online payments by type in the UK 2023
- Premium Statistic Penetration of crypto as a means of payment in selected countries worldwide in 2023
Market share
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Annual level of cash payments in the UK 2000-2021
Annual level of cash payments in the UK 2000-2021
Share of cash estimate at point of sale (POS) in the United Kingdom (UK) from 2000 to 2021
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Annual currency in circulation (CIC) to GDP ratio of the UK 2012-2022
Annual currency in circulation (CIC) to GDP ratio of the UK 2012-2022
Share of currency in circulation (CIC) to the nominal GDP of the United Kingdom (UK) from 2012 to 2022
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Most used in-store (POS) payment methods in the UK 2017-2023, with 2027 forecast
Most used in-store (POS) payment methods in the UK 2017-2023, with 2027 forecast
Market share of cash, credit cards, and other payment methods at point of sale (POS) in the United Kingdom (UK) from 2017 to 2023, with a forecast for 2027
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Payments at points of sale by type in the UK 2023
Payments at points of sale by type in the UK 2023
Payments at points of sale by type in the UK as of December 2023
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Most used e-commerce payment methods in the UK 2016-2023, with 2027 forecast
Most used e-commerce payment methods in the UK 2016-2023, with 2027 forecast
Market share of cash, credit cards, and other payment methods during online shopping in the United Kingdom (UK) from 2016 to 2023, with a forecast for 2027
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Most common online payments by type in the UK 2023
Most common online payments by type in the UK 2023
Most common online payments by type in the UK as of December 2023
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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 the United Kingdom 2014-2029
- Premium Statistic Penetration rate of debit cards in the United Kingdom 2014-2029
- Premium Statistic Quarterly adoption of mobile payments at POS in the UK 2018-2023
- Premium Statistic Mobile payments by situation in the UK 2022
- Premium Statistic Payment types accepted by all e-commerce vendors in the UK in 2022 and 2024
- Premium Statistic Annual crypto adoption development in the UK 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 the UK 2016-2023
Penetration
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Penetration rate of credit cards in the United Kingdom 2014-2029
Penetration rate of credit cards in the United Kingdom 2014-2029
Penetration rate of credit cards in the United Kingdom from 2014 to 2029
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Penetration rate of debit cards in the United Kingdom 2014-2029
Penetration rate of debit cards in the United Kingdom 2014-2029
Penetration rate of debit cards in the United Kingdom from 2014 to 2029
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Quarterly adoption of mobile payments at POS in the UK 2018-2023
Quarterly adoption of mobile payments at POS in the UK 2018-2023
Mobile payments usage performed with any mobile device at POS in the United Kingdom from 2018 to 4th quarter of 2023
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Mobile payments by situation in the UK 2022
Mobile payments by situation in the UK 2022
Mobile payments by situation in the UK in 2022
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Payment types accepted by all e-commerce vendors in the UK in 2022 and 2024
Payment types accepted by all e-commerce vendors in the UK in 2022 and 2024
Share of companies that accept selected digital payments for all types of e-commerce in the United Kingdom (UK) as of February 2024
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Annual crypto adoption development in the UK 2020-2023, by metric
Annual crypto adoption development in the UK 2020-2023, by metric
Crypto Adoption Index ranking of the United Kingdom (UK) from 2020 to 2023, by metric
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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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Quarterly market share of outgoing digital remittances in the UK 2016-2023
Quarterly market share of outgoing digital remittances in the UK 2016-2023
Share of digitally initiated remittances in the United Kingdom (UK) from 2nd quarter 2016 to 3rd quarter 2023, based on remittance outflow towards any other country
Biggest brands
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- Premium Statistic Biggest international and domestic payment card schemes in the UK 2016-2022
- Premium Statistic Most used mobile payments by brand in the UK 2023
- Premium Statistic Most used online payments by brand in the UK 2023
- Premium Statistic Biggest buy now, pay later (BNPL) apps in the UK 2015-2023, based on downloads
- Premium Statistic Biggest cryptocurrency wallets in the UK 2015-2023, based on downloads
- Premium Statistic Biggest real-time payments brands worldwide in 2022, based on number of transactions
- Premium Statistic Quarterly market share of outgoing remittance brands in the UK 2011-2023
Biggest brands
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Biggest international and domestic payment card schemes in the UK 2016-2022
Biggest international and domestic payment card schemes in the UK 2016-2022
Market share of payment card brands - Visa, Mastercard, American Express, or in-market local card schemes - in the United Kingdom (UK) from 2016 to 2022
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Most used mobile payments by brand in the UK 2023
Most used mobile payments by brand in the UK 2023
Most used mobile payments by brand in the UK as of December 2023
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Most used online payments by brand in the UK 2023
Most used online payments by brand in the UK 2023
Most used online payments by brand in the UK as of December 2023
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Biggest buy now, pay later (BNPL) apps in the UK 2015-2023, based on downloads
Biggest buy now, pay later (BNPL) apps in the UK 2015-2023, based on downloads
Biggest buy now, pay later (BNPL) apps in the United Kingdom (UK) from 1st quarter of 2015 to 4th quarter of 2023, by number of downloads
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Biggest cryptocurrency wallets in the UK 2015-2023, based on downloads
Biggest cryptocurrency wallets in the UK 2015-2023, based on downloads
Biggest wallets for cryptocurrency storage in the United Kingdom (UK) from 1st quarter of 2015 to 4th quarter of 2023, by number of downloads
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Biggest real-time payments brands worldwide in 2022, based on number of transactions
Biggest real-time payments brands worldwide in 2022, based on number of transactions
Brands with the highest number of real-time (instant) payment transactions worldwide in 2022 (in billions)
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Quarterly market share of outgoing remittance brands in the UK 2011-2023
Quarterly market share of outgoing remittance brands in the UK 2011-2023
Biggest brands for remittances in the United Kingdom (UK) from 1st quarter 2011 to 3rd quarter 2023, based on remittance outflow towards any other country
Users
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- Premium Statistic Annual credit card and debit cards issued in the UK 2000-2022
- Premium Statistic Triennial credit card penetration in the UK 2011-2024, by demographic
- Premium Statistic Triennial debit card penetration in the UK 2011-2024, by demographic
- Premium Statistic Preference for payment by smartwatch in the UK 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 the UK 2021-2022
- Premium Statistic Crypto adoption in the UK as of November 2022, by age and gender
Users
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Annual credit card and debit cards issued in the UK 2000-2022
Annual credit card and debit cards issued in the UK 2000-2022
Total number of credit cards and debit cards in circulation in the United Kingdom (UK) from 2000 to 2022
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Triennial credit card penetration in the UK 2011-2024, by demographic
Triennial credit card penetration in the UK 2011-2024, by demographic
Share of individuals who own a credit card in the United Kingdom (UK) in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level
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Triennial debit card penetration in the UK 2011-2024, by demographic
Triennial debit card penetration in the UK 2011-2024, by demographic
Share of individuals who own a debit card in the United Kingdom (UK) in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level
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Preference for payment by smartwatch in the UK in 2023, by age and gender
Preference for payment by smartwatch in the UK in 2023, by age and gender
Share of respondents in the United Kingdom 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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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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Quarterly number of crypto users in the UK 2021-2022
Quarterly number of crypto users in the UK 2021-2022
Estimated number of people who hold or trade cryptocurrency in the United Kingdom (UK) from 4th quarter of 2021 to 4th quarter of 2022
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Crypto adoption in the UK as of November 2022, by age and gender
Crypto adoption in the UK as of November 2022, by age and gender
Crypto ownership among consumers in the United Kingdom (UK) 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 the UK 2012-2022, in local currency and USD
- Premium Statistic Annual debit card spending in the UK 2012-2022, in local currency and USD
- Premium Statistic Annual contactless spending in the UK 2014-2022, in local currency and USD
- Premium Statistic Global QR payment market size in 2020 with forecasts to 2025, by region
- Premium Statistic Annual buy now, pay later (BNPL) spending in the UK in 2023, with a 2029 forecast
- Premium Statistic Annual instant payment spending in the UK 2008-2022, in local currency and USD
- Premium Statistic Buy now, pay later (BNPL) statistics in the UK as of 2020
Transaction value
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Annual credit card spending in the UK 2012-2022, in local currency and USD
Annual credit card spending in the UK 2012-2022, in local currency and USD
Value of credit card transactions for payments in the United Kingdom (UK) from 2012 to 2022 (in million British pounds, and estimates in U.S. dollars)
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Annual debit card spending in the UK 2012-2022, in local currency and USD
Annual debit card spending in the UK 2012-2022, in local currency and USD
Value of debit card transactions for payments in the United Kingdom (UK) from 2012 to 2022 (in million British pounds, and estimates in U.S. dollars)
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Annual contactless spending in the UK 2014-2022, in local currency and USD
Annual contactless spending in the UK 2014-2022, in local currency and USD
Value of overall contactless transactions for payments in the United Kingdom (UK) from 2014 to 2022 (in million British pounds, and estimates in U.S. dollars)
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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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Annual buy now, pay later (BNPL) spending in the UK in 2023, with a 2029 forecast
Annual buy now, pay later (BNPL) spending in the UK in 2023, with a 2029 forecast
Estimated transaction value of buy now, pay later (BNPL) in the United Kingdom (UK) in 2023, with forecasts for 2024 and 2029 (in million U.S. dollars)
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Annual instant payment spending in the UK 2008-2022, in local currency and USD
Annual instant payment spending in the UK 2008-2022, in local currency and USD
Value of real time payments in the United Kingdom (UK) with local scheme Faster Payments (FP) from 2008 to 2022 (in million British pounds, and estimates in U.S. dollars)
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Buy now, pay later (BNPL) statistics in the UK as of 2020
Buy now, pay later (BNPL) statistics in the UK as of 2020
Estimate of buy now, pay later (BNPL) lending in the United Kingdom (UK) in 2020
Number of transactions
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- Premium Statistic Annual number of credit card transactions in the UK 2012-2022, per capita
- Premium Statistic Size of a credit card transaction in the UK 2012-2022, in local currency and USD
- Premium Statistic Annual number of debit card transactions in the UK 2012-2022, per capita
- Premium Statistic Size of a debit card transaction in the UK 2012-2022, in local currency and USD
- Premium Statistic Top 10 countries worldwide with highest number of contactless card transactions 2022
- Premium Statistic Annual number of real-time payments in the UK in 2022, with a 2027 forecast
- Premium Statistic Annual number of instant payment transactions in the UK 2008-2022
Number of transactions
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Premium Statistic
Annual number of credit card transactions in the UK 2012-2022, per capita
Annual number of credit card transactions in the UK 2012-2022, per capita
Total number of credit card transactions processed for payments in the United Kingdom (UK) from 2012 to 2022
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Size of a credit card transaction in the UK 2012-2022, in local currency and USD
Size of a credit card transaction in the UK 2012-2022, in local currency and USD
Average value of a credit card transaction in the United Kingdom (UK) from 2012 to 2022 (in British pounds, and estimates in U.S. dollars)
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Annual number of debit card transactions in the UK 2012-2022, per capita
Annual number of debit card transactions in the UK 2012-2022, per capita
Total number of debit card transactions processed for payments in the United Kingdom (UK) from 2012 to 2022
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Size of a debit card transaction in the UK 2012-2022, in local currency and USD
Size of a debit card transaction in the UK 2012-2022, in local currency and USD
Average value of a debit card transaction in the United Kingdom (UK) from 2012 to 2022 (in British pounds, and estimates in U.S. dollars)
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Top 10 countries worldwide with highest number of contactless card transactions 2022
Top 10 countries worldwide with highest number of contactless card transactions 2022
Leading countries in the world with the highest number of contactless card transactions as of 2022 (in billions)
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Annual number of real-time payments in the UK in 2022, with a 2027 forecast
Annual number of real-time payments in the UK in 2022, with a 2027 forecast
Total number of real-time (instant) payments in the United Kingdom (UK) in 2022, with a forecast for 2027
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Annual number of instant payment transactions in the UK 2008-2022
Annual number of instant payment transactions in the UK 2008-2022
Total number of real-time payment transactions in the United Kingdom (UK) with local scheme Faster Payments (FP) from 2008-2022 (in millions)
Miscellaneous
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- Premium Statistic Annual number of POS terminals in the UK 2012-2022
- Premium Statistic Triennial unbanked population share in the UK 2011-2024, by demographic
- Premium Statistic Internet users in the United Kingdom 2014-2029
- Premium Statistic Mobile internet usage reach in the United Kingdom 2014-2029
- Premium Statistic Online retail sales in the United Kingdom (UK) 2012-2022
- Premium Statistic Main cross-border online shopping markets in the UK 2022, by market share
- Premium Statistic Annual value of outgoing and incoming remittance flow in the UK 2021, by country
Miscellaneous
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Annual number of POS terminals in the UK 2012-2022
Annual number of POS terminals in the UK 2012-2022
Total number of POS terminals reported in the United Kingdom (UK) from 2012 to 2022
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Triennial unbanked population share in the UK 2011-2024, by demographic
Triennial unbanked population share in the UK 2011-2024, by demographic
Share of unbanked individuals in the United Kingdom (UK) in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level
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Internet users in the United Kingdom 2014-2029
Internet users in the United Kingdom 2014-2029
Number of internet users in the United Kingdom from 2014 to 2029 (in millions)
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Mobile internet usage reach in the United Kingdom 2014-2029
Mobile internet usage reach in the United Kingdom 2014-2029
Mobile internet usage penetration in the United Kingdom from 2014 to 2029
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Online retail sales in the United Kingdom (UK) 2012-2022
Online retail sales in the United Kingdom (UK) 2012-2022
Value of online retail sales in the United Kingdom (UK) from 2012 to 2022 (in billion GBP)
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Main cross-border online shopping markets in the UK 2022, by market share
Main cross-border online shopping markets in the UK 2022, by market share
Leading markets of origin of cross-border online purchases in the United Kingdom (UK) in 2022, by market share
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Annual value of outgoing and incoming remittance flow in the UK 2021, by country
Annual value of outgoing and incoming remittance flow in the UK 2021, by country
Value of remittances sent from/to the United Kingdom (UK) to/from other countries or territories worldwide in 2021 (in million U.S. dollars)
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