Card payment value in Europe, by country 2000-2022

The value of card payments at POS terminals in France was almost as high as that of Italy and Germany combined in 2022. This reveals itself in a comparison of the overall value of card transactions - either credit cards or debit cards - at point-of-sale (POS) terminals within the EU-27. The United Kingdom does not feature in this ranking. France's preference for cards compared to the rest of Europe may be a consequence of the different card schemes that exist within Europe's payment landscape. France has a domestic scheme - unique to that country alone - that is co-branded with Visa, enabling both credit card and debit card payments.

Value of POS transactions with cards - either credit card or debit card - issued by resident PSPs at terminals provided by resident PSPs in 27 countries in Europe from 2000 to 2022 (in million euros)

Characteristic	France	Netherlands	Italy	Germany	Spain	Poland	Belgium	Ireland	Denmark	Portugal	Greece	Finland	Austria	Czechia	Hungary	Romania	Slovakia	Estonia	Lithuania	Slovenia	Latvia	Cyprus	Luxembourg	Malta	Bulgaria	Croatia	Sweden
2000	153,000	44,537.99	23,116	109,734	-	-	22,946	5,800	20,036.45	14,286.05	1,857.75	14,000	-	618.58	609.22	7.67	-	207.19	83.28	1,518.55	285.13	552.41	1,391.85	-	-	-	17,287.95
2001	170,000	51,772.17	32,417.56	121,450	-	-	25,576	8,596	21,720.28	17,766.5	2,509.33	16,200	-	1,110.01	3,745.53	20.01	-	343.14	163.31	1,753.63	306.04	675.96	1,576.27	-	57.08	-	19,988.96
2002	190,000	54,020.41	44,767.45	133,201	46,298.73	-	29,229	10,582	22,887.1	20,775.55	3,026.55	18,097.7	-	1,504.09	5,160.46	54.22	312.19	468.48	361.51	2,039.32	381.12	796.49	1,833.04	144.82	115.03	-	23,032.24
2003	204,000	57,237.94	50,875.24	140,479	52,768.5	-	31,210	11,766.7	25,360.89	22,810.04	4,013.64	19,588.7	-	2,282.21	6,355.24	117.8	458.31	617.41	464.43	2,307.77	498.77	901.99	1,935.45	167.41	192.94	-	29,591.55
2004	219,600	60,349.31	58,026.53	150,133	61,782.84	5,350.9	33,417	13,645.7	28,207.65	25,332.39	3,918.04	21,668.5	-	2,295.31	6,730.42	352.23	625.47	860.93	677.05	2,194.97	683.04	1,017.29	2,054.31	211.3	338.43	-	29,481.56
2005	249,759.84	63,003.05	63,542.9	158,525	70,642.19	7,597.59	37,289	15,880	31,239.89	28,529.61	5,340.27	24,143	-	2,955.45	7,462.22	458.37	739.35	1,200.84	1,070.23	2,152.33	578.05	1,150.68	2,147.09	229.72	412.23	-	33,612.75
2006	270,974.12	67,824.24	71,315.42	163,264	78,079.65	10,139.15	40,334	19,267	35,424.54	31,730.88	5,000.97	27,823	17,686	3,652.77	8,389.58	753.7	1,085.31	1,735.62	922.78	3,037.05	927.22	1,337.17	2,273.97	273.32	460.84	-	41,493.84
2007	296,703.11	73,468.24	76,570	128,258	87,718.52	13,552.9	43,472.53	23,261.3	40,004.3	35,477.47	5,196.04	32,049.8	19,402	5,013.65	9,629.59	1,577.13	1,946.17	2,293.56	1,258.15	3,319.49	1,449.88	1,534.36	2,431.86	381.62	669.01	-	47,134.59
2008	316,457.1	79,065.69	62,538	135,236	91,777.93	17,958.41	46,521.87	25,377.6	38,910.8	38,758.11	5,471.81	10,771.77	21,284	6,730.05	10,295.94	2,561.19	2,149.28	2,552.15	1,553.7	3,728.43	1,696	1,899.43	2,597.88	461.42	924.77	-	49,608.76
2009	323,756.79	79,939.5	114,180.05	139,293	87,963.91	16,770.15	48,718.98	23,054.5	39,502.73	41,910.5	5,928.06	29,698.6	23,040	6,730.21	8,499.59	2,660.57	2,469.09	2,252.34	1,378.32	3,727.52	1,322.49	1,848.69	2,686.95	499.58	804.71	-	42,863.33
2010	345,072.62	88,331.54	120,561.26	150,830	91,529.81	21,001.09	51,986.09	22,772	42,844.63	52,751.22	5,455.45	35,490.6	24,567	7,000.62	9,382.34	2,883.51	2,877.24	2,335.68	1,367.94	3,953.97	1,319.82	1,978.2	2,890.19	540.87	813.04	-	52,993.18
2011	373,116.56	90,160.09	141,751.45	165,421	93,747.77	23,808.89	55,073.02	23,572	45,060.36	54,846.76	4,866.26	35,501.6	25,766	9,616.46	10,264.89	3,504.2	3,452.15	2,689.04	1,533.16	4,059.06	1,492.11	2,194.03	2,938.11	745.04	1,121.97	-	59,260.16
2012	398,972.66	91,971.28	160,537.65	174,621	92,745.46	26,575.73	58,615.4	23,397.11	47,512.86	54,259.09	4,451.08	34,108	28,080	9,864.37	9,537.05	4,029.29	3,751.1	3,048.62	1,823.16	4,185.48	1,663.09	2,258.99	2,946.67	511.14	1,023.25	-	66,699.86
2013	390,969.01	92,496.57	165,449.34	194,156	93,159.64	29,294.34	61,957.62	23,137.95	49,170.02	42,592.96	4,325.99	35,615	30,114	10,899.38	9,625.13	4,669.71	4,003.61	3,331.29	2,140.91	4,192.61	1,923.44	2,150.04	2,996.42	813.71	1,133.24	5,292.71	71,753.72
2014	381,163.22	96,975.54	139,625.67	167,892.81	106,054.95	34,562.02	52,496.53	8,536.76	52,162.2	46,006.1	4,706.6	38,063.78	20,257.45	11,851.97	6,667.62	5,126.93	5,143.86	3,607.41	2,570.3	4,189.22	2,150.53	1,704.91	3,048.37	800.59	1,346.73	5,497.21	72,911.82
2015	396,212.95	116,349.38	152,563.63	173,894.28	110,096.29	40,185.1	60,926.3	-	57,155.96	48,188.37	7,637.31	34,594.05	19,731.39	12,257.76	8,156.38	5,838.09	4,717.64	3,880.46	3,057.68	4,095.88	2,367.64	-	2,673.75	907.93	1,565.31	5,714.72	73,367.71
2016	361,037.78	121,083.51	168,819.09	190,432.94	120,571.78	46,349.48	62,125.25	-	47,275.5	51,771.13	13,860.92	31,793.73	20,207.45	13,734.99	9,781.57	7,042.2	6,188.09	4,187.91	3,792.04	4,308.18	2,685.46	-	2,758.11	-	1,670.97	6,041.42	96,832.47
2017	424,597.09	125,379.71	173,904.63	190,209.5	130,698.06	55,882.58	83,031.99	-	48,750.78	56,738.99	16,991.88	31,625.46	21,377.16	16,119.44	12,516.02	8,970.76	6,248.6	4,589.91	4,107.31	4,717.78	-	2,189.94	2,867.03	-	3,078.86	6,677.36	83,519.8
2018	438,088.95	127,103.49	192,213	224,392.26	139,966.81	66,197.16	75,850.15	19,368.74	49,512.5	61,730.15	18,345.91	-	22,723.42	17,774.54	16,194.45	10,692.36	7,993.55	4,928.14	4,671.85	5,219.26	3,081.69	2,480.87	3,141.53	-	-	7,440.95	75,494.39
2019	441,617.59	128,741.43	209,658.9	232,816.29	147,643.73	77,382.28	73,807.68	28,676.04	51,228.47	58,918.08	20,365.18	32,568.26	24,406.24	19,999.21	19,098.69	12,984.32	9,100.25	5,294.08	5,434.26	5,734.44	3,451.9	-	-	-	3,115.82	8,257.82	76,733.57
2020	429,893.72	125,839.09	211,475.64	228,942.41	143,728.79	83,305.92	71,631.6	28,573.32	50,976.14	56,077.99	26,765	30,155.6	27,626.93	22,071.94	18,453.22	15,094.62	9,735.62	5,368.87	6,195.95	5,855.99	3,550.05	-	-	-	3,608.3	8,281.15	73,133.72
2021	449,341.06	121,642.59	254,844.31	225,106.62	175,025.35	96,395.65	78,369.44	33,503.23	52,630.16	62,928.64	32,384	30,818.08	29,675.38	26,208.95	21,174.3	-	12,534.07	5,940.28	7,349.34	6,787.29	4,378.67	-	-	-	-	-	82,545.71
2022	485,338.69	421,241.75	254,394.82	236,029.56	146,514.64	107,409.2	62,098.61	59,253.2	56,762.54	47,840.96	39,880.77	34,298.62	32,960.18	30,262.13	23,971.63	23,519.01	15,065.61	11,570.73	9,153.67	5,710.71	5,542.06	5,228.96	3,582.39	1,974.17	-	-	-

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Release date

November 2023

More information

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.

The source does not explain the jump for the Netherlands between 2021 and 2022.

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