Payments statistics: first half of 2025

• Around 55.7 billion transactions processed by retail payment systems in the euro area in first half of 2025, worth €26.2 trillion

The European Central Bank (ECB) today published statistics on non-cash payments for the first half of 2025.  The statistics comprise indicators on access to and use of payment services, payment cards and payment terminals by the public, as well as volumes and values of transactions processed through retail and large-value payment systems. This press release focuses on developments in the euro area as a whole, while statistics are also published at country level for all euro area and most non-euro area EU member states. EU and euro area aggregates are also published. 

Payment services 

In the first half of 2025 the total number of non-cash payment transactions  in the euro area was 77.7 billion, 7.7% higher compared with the first half of 2024, with a corresponding total value of €116.0 trillion, 2.9% higher than in the first half of 2024. Card payments accounted for 57% of the total number of transactions, while credit transfers accounted for 22%, direct debits for 14% and e-money payments for 6%. The remaining 1% comprised cheques, money remittances and other payment services (see annex, Table 1).