POS card payments in Europe, by country 2000-2022

The number of card payments at POS terminals in the EU varied significantly per country, with France taking up the top position of the 27 countries. This reveals itself in a comparison of the total number of card transactions - either credit cards or debit cards - at point-of-sale (POS) terminals within the EU-27. Note that because of Brexit, the United Kingdom is not included anymore in these figures. Whilst France's position is not surprising when compared to the overall value of card payments within the EU, what is noticeable are the relatively high positions of Poland, Spain, and Italy. The two Mediterranean countries boast a relatively high credit card ownership, which may explain this. In the case of Poland, however, payments with domestic card BLIK are a likely driver.

Number of POS transactions with cards - either credit card or debit card - in 27 countries in Europe from 2000 to 2022 (in millions)

Characteristic	France	Netherlands	Poland	Germany	Italy	Spain	Sweden	Denmark	Ireland	Belgium	Czechia	Greece	Portugal	Finland	Hungary	Romania	Austria	Slovakia	Estonia	Lithuania	Croatia	Latvia	Slovenia	Bulgaria	Cyprus	Luxembourg	Malta
2000	3,292.45	832.76	-	1,464.51	317.92	-	256	412.23	82	416.2	13.33	28.21	482.88	318	19.44	0.32	-	-	11.45	4.07	-	5.3	53.64	-	8.22	19.7	-
2001	3,670.72	985.67	-	1,678.33	433.39	-	326	452.88	116	469.24	24.57	36.09	579.25	358	33.44	0.93	-	-	19.45	7.61	-	8.25	59.12	0.87	10.06	22.52	-
2002	4,095.59	1,099.2	-	1,900.2	552.04	981.17	454	486.17	135	544.34	38.72	35.38	667.8	442.45	48.71	1.71	-	14.19	29.47	16.13	-	12.94	69.19	1.62	11.55	27.43	2.52
2003	4,341.46	1,186.76	-	2,053.89	610.73	1,057.58	542	544.97	142	579.83	53.66	46.14	731.8	516.56	62.86	2.69	-	18.87	42.68	24.16	-	20.35	81.28	2.73	13.18	29.21	3.29
2004	4,650	1,280.09	197.57	2,274.69	671.97	1,221.34	632	601.45	151	632.24	84.79	47.63	792.41	577.41	79.23	5.78	-	23.28	58.94	34.51	-	29.53	76	4.82	14.62	31.25	3.71
2005	5,114.36	1,363.14	258.18	2,409.87	732.8	1,357.78	774	608.56	175.69	693.93	79.28	65.93	840.69	672.57	88.22	13.45	-	26.06	79.78	49.44	-	38.24	73.09	6.96	16.35	32.54	4.39
2006	5,466.33	1,482.8	345.54	2,477.9	770.65	1,554.99	968	703.78	204.73	747.38	93.57	64.24	886.68	813.37	107.29	18.15	289.37	35.42	103.4	55.55	-	54.04	93.81	6.27	18.64	34.09	5.05
2007	5,978.7	1,622.56	450.01	2,026.53	825.35	1,806.97	1,154	797.07	247.34	803.32	129.41	63.75	945.95	916.57	137.99	35.64	315.68	41.59	126.14	70.31	-	72.11	99.71	6.95	20.58	35.95	6.91
2008	6,358.54	1,793.25	560.2	2,183.12	873.31	1,952.06	1,358	833.16	299.65	865.4	147.51	66.43	998.85	992	163.31	59.91	342.85	50.52	142.4	83.14	-	86.43	103.25	10.99	24.45	38.46	8.01
2009	6,712.64	1,980.96	686.73	2,306.24	1,444.37	1,989.38	1,379	892.46	304.5	924.09	182.5	66.94	1,061.31	899	179	77.96	370.37	65.67	146.18	87.94	-	85.47	105.22	12.15	24.72	40.17	8.56
2010	7,147.6	2,223.89	822.96	2,503.14	1,381.8	2,099.42	1,513	982.47	315.5	983.89	209.55	62.11	1,161.03	1,040.8	201.62	90.32	396.56	81.03	156.53	90.62	-	87.88	110.25	16.26	27.12	40.68	9.37
2011	7,624.79	2,353.54	995.86	2,714.85	1,745.99	2,173.26	1,661	1,074.78	339.2	1,048.5	249.98	57.61	1,226.65	1,068.99	227.72	111.49	414.08	102.7	184.64	99.88	-	96.5	113.3	24.56	29.87	42.4	10.45
2012	8,152.67	2,536.99	1,179.24	2,907.25	2,038.73	2,188.19	1,885	1,163.67	392.92	1,118.63	286.3	57	1,208.67	1,053.21	257.6	135.9	452.75	116.16	200.85	117.94	-	106.14	118.51	31.28	31.65	42.27	8.93
2013	8,578.48	2,721.92	1,402.76	3,254.87	2,274.07	2,232.63	2,138.73	1,250.69	421.24	1,205.74	352.62	58.33	836.11	1,129.23	293.97	161.39	493.26	137.94	215.18	136.04	188.21	123.99	122.13	38	31.49	43.28	14.19
2014	8,249.81	2,968.31	1,815.65	2,777.05	1,998.22	2,488.15	2,271.11	1,382.81	147.04	1,092.85	447.13	67.41	863.76	1,244.67	313.83	184.91	372.55	197.31	228.87	158.37	202.35	147.92	127.99	43.15	30.18	45.37	13.32
2015	8,940.74	3,224.34	2,485.07	2,931.52	2,208.12	2,617.67	2,387	1,555.79	-	1,125.22	517.39	122.4	934.85	1,142.12	383.53	219.1	381.7	200.33	243.78	186.42	218.13	169.89	133.52	51.38	-	46.25	15.12
2016	8,807.26	3,566.24	3,104.49	3,163.88	2,538.04	2,948.89	2,641	1,437.7	-	1,247.32	605.83	273.29	1,002.65	1,079.96	454.02	271.28	416.15	251.62	259.75	211.89	233.6	191	144.01	60.83	-	48.2	-
2017	10,661.16	3,867.3	3,721.2	3,240.9	2,706.11	3,293.07	2,810	1,519.99	-	1,737.12	713.23	443.14	1,081.02	1,125.66	561.18	369.64	467.13	278.47	278.83	230.35	258.02	-	157.98	86.95	42.9	50.13	-
2018	11,343	4,100.42	4,501.42	3,824.39	3,075	3,715.56	2,758.92	1,610.61	404.74	1,751.7	784	530.33	1,168.9	0	652.92	478.42	536.69	359.87	296.61	262.84	287.6	216.63	174.94	-	49.88	56.34	-
2019	11,947.24	4,290.06	5,437.5	4,274.76	3,530.95	4,219.05	2,917.07	1,698.77	665.42	1,768.39	898	648.49	1,132.52	1,242.32	805.25	621.17	619.34	412.37	318.45	302.52	328.07	242.28	196.84	126.88	-	-	-
2020	11,194.64	4,055.77	5,785.08	4,736.72	3,671.67	4,384.57	2,639.52	1,641.41	745.45	1,773.26	1,018.05	952.65	1,056.01	1,078.12	784.27	724.11	728.58	424.79	307.64	333.45	346.76	246.16	189.55	144.43	-	-	-
2021	12,224.31	3,939.08	6,885.85	4,730.48	4,901.98	5,694.89	2,740.25	1,663.26	920.55	2,001.75	1,181.02	1,147.83	1,187.71	1,062.63	784	950.38	816.02	515.03	320.78	373.5	-	273.23	214.38	-	-	-	-
2022	13,391.88	12,872.26	7,796.36	5,352.59	5,167.38	4,801.97	2,779.56	1,789.69	1,719.26	1,584.79	1,374.88	1,374.18	1,259.39	1,233.79	1,186.78	1,143.68	903.39	613.48	595.88	447.05	-	334.04	185.75	-	110.89	69.53	-

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Release date

November 2023

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Region

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden

Survey time period

2000 to 2022

Special properties

The figure for 2022 is provisional; The source significantly changed its database in November 2023. This may mean methodology changes, or not all EU-27 countries reporting the same figures.

Supplementary notes

The figures have been taken from several publications.

Due to Brexit, the source from 2020 onwards removed all figures that cover the United Kingdom

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