A2A payments share in Europe, by country

A2A payments made up 20 percent of total e-commerce transaction value in Europe in 2023, with the highest penetrations found in Poland and the Netherlands. This is according to a market model that was repeated over several years for different individual countries across Europe. Noticeable here is that the countries that use account-to-account payments - essentially open banking-led payment options, that can sometimes also be real-time (instant) payments - typically have a low penetration of international payment card schemes. Main A2A in Europe include Poland's BLIK, the Netherlands' iDEAL, or Sweden's Swish - with brands like Bizum in Spain attracting global interest.

Market share of account-to-account (A2A) payments in domestic e-commerce payments in 14 countries in Europe from 2016 to 2023, with a forecast for 2027

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Release date

March 2024

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Region

Belgium, Europe, Denmark, Finland, France, Germany, Ireland, Italy, Netherlands, Norway, Poland, Spain, Sweden, Turkey, United Kingdom

Survey time period

March 2024

Special properties

C2B payments only, no information was provided for P2P; The figures have been gathered by Statista from several publications. For more information, see the “Details” tab; All figures are estimates, and have likely been rounded by the source.

Supplementary notes

The figures provided come from various reports, and refer exclusively to the share of “bank transfer” (for push transactions) and “direct debit” (for pull transactions) up to 2022 in overall e-commerce payment methods used. The source combined the two payment methods together in “A2A” in 2023. Note the following, however:

All figures provided concern C2B, or consumer-to-business, only. The source explicitly states this. A2A payments are typically associated with P2P, or consumer-to-consumer payments. C2B is said to be only recently catching on to the trend that P2P started;
No figures were available for 2018, as the source skipped a year in its reporting;
The source did not report figures for Europe or MEA (Middle East, Africa) in all years, as it had first put the two regions together in EMEA;
Some countries were added later to the reporting. Chile and Saudi Arabia, for example, did not have figures in 2016;
The source rounded all the figures and did not provide specifics. Possibly, some countries with a market share between 0 and 0.5 percent were rounded down – and excluded from an entry;
The source did not any provide forecasts for individual countries. It only did so for three countries in Asia-Pacific;
No figures were available for Russia in 2022 due to the war in Ukraine;
The source included Mexico within the Latin America region, and excluded it from North America.

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