20 10 -201 4
C
Tabelas estatísticas constantes do website do Banco Central Europeu , no endereço: http://sdw.ecb.europa.eu/reports.do?node=100000760
ECB-PUBLIC
15 October 2015
ATM automated teller machine
EEA European Economic Area
EFTPOS electronic funds transfer at point of sale
MFI monetary financial institution
PSP payment service provider
The following conventions are used in the statistical tables:
- “-”
- “.” phenomenon does not exist / data are not available data are confidential / data have not been reported
Due to rounding and/or confidentiality of the components totals may not equate to the sum of components. Totals are calculated based on the available data; thus, they are calculated even if all components are not available.
Dados de PORTUGAL e quadros comparativos
Fonte: http://sdw.ecb.europa.eu/home.do
Portugal
1. Basic statistical data
Population (thousands, annual average)
GDP (EUR billions)
GDP per capita (EUR)
HICP (annual percentage changes)
Explanatory information on certain data items is given in the notes accompanying these tables
2010
10,573.1
179.93
17,018
1.4
2011
10,557.6
176.17
16,686
3.6
2012
10,514.8
168.40
16,015
2.8
2013
10,457.3
170.27
16,282
0.4
2014
10,401.1
173.45
16,676
-0.2
ECB
Payment Statistics
October 2015
1
Portugal
2. Settlement media used by non-MFIs
EUR millions; end of period
Currency in circulation outside MFIs
Value of overnight deposits held at MFIs
of which:
Narrow money supply (M1)
Memorandum items:
Overnight deposits in foreign currencies held at MFIs
Outstanding value on e-money storages issued by MFIs
of which:
Hardware-based electronic money
Software-based electronic money
Explanatory information on certain data items is given in the notes accompanying these tables
2010
56,503.89
.
55,197.00
.
2011
58,229.08
.
52,012.00
.
2012
56,740.74
.
50,013.00
.
2013
61,398.03
.
52,672.00
.
2014
69,391.32
.
59,717.00
.
2,020.88
1.00
1.00
.
3,215.66
10.00
10.00
-
3,349.39
23.00
23.00
-
3,182.77
62.00
62.00
-
3,818.08
61.00
61.00
-
2
ECB
Payment Statistics
October 2015
Portugal
3. Settlement media used by credit institutions
EUR millions; average for last reserve maintenance period (unless otherwise stated)
Overnight deposits held at the central bank
Overnight deposits held at other credit institutions (in EUR, end of period)
of which:
Transferable deposits at other MFIs (end of period)
Memorandum items:
Non-intraday borrowing from the central bank
Intraday borrowing from the central bank
Explanatory information on certain data items is given in the notes accompanying these tables
2010
4,685.72
3,845.63
2,397.00
2011
5,703.56
2,927.02
2,822.00
2012
5,784.84
2,736.43
1,967.00
2013
5,846.91
2,751.81
1,758.00
2014
2,904.57
2,356.74
1,415.00
41,122.45
183.22
47,334.02
199.96
52,988.11
341.81
47,628.86
222.72
30,919.89
231.45
ECB
Payment Statistics
October 2015
3
Portugal
5. Institutions offering payment services to non-MFIs - page 1
Original units (unless otherwise stated); values in EUR millions; end of period
Central bank
Number of offices
Number of overnight deposits (thousands)
Value of overnight deposits (EUR millions)
of which:
Value of transferable deposits (EUR millions)
Credit institutions irrespective of their legal incorporation
Number of institutions
Number of offices
Number of overnight deposits (thousands)
of which:
Number of internet/PC-linked overnight deposits (thousands)
Number of transferable overnight deposits (thousands) of which:
Number of internet/PC-linked transferable overnight deposits (thousands)
Value of overnight deposits (EUR millions)
of which:
Value of transferable deposits (EUR millions)
Number of payment accounts (thousands)
Number of e-money accounts (thousands)
Outstanding value on e-money storages issued (EUR millions)
Credit institutions irrespective of their legal incorporation
Credit institutions legally incorporated in the reporting country
Number of institutions
Number of offices
Value of overnight deposits (EUR millions)
Branches of euro area-based credit institutions
Number of institutions
Number of offices
Value of overnight deposits (EUR millions)
Branches of EEA-based credit institutions outside the euro area
Number of institutions
Number of offices
Value of overnight deposits (EUR millions)
Branches of non-EEA-based credit institutions
Number of institutions
Number of offices
Value of overnight deposits (EUR millions)
Electronic money institutions
Number of institutions
Number of payment accounts (thousands)
Number of e-money accounts (thousands)
Outstanding value on e-money storages issued (EUR millions)
Other payment service providers
Number of institutions
Number of offices
Number of overnight deposits (thousands)
Value of overnight deposits (EUR millions)
Number of payment accounts (thousands)
Number of e-money accounts (thousands)
Outstanding value on e-money storages issued (EUR millions)
Explanatory information on certain data items is given in the notes accompanying these tables
2010
10
1.05
-
.
2011
10
-
4,869.26
.
2012
10
-
5,483.34
.
2013
1
0.01
7,629.43
.
2014
1
0.01
7,989.19
.
158
7,033
25,423.11
6,041.07
25,423.11
6,041.07
56,541.36
55,197.00
.
.
.
155
6,900
25,743.41
6,655.18
25,743.41
6,655.18
53,360.19
52,012.00
.
.
.
151
6,633
23,136.89
7,491.78
23,136.89
7,491.78
51,257.15
50,013.00
.
.
.
151
6,353
21,574.11
9,553.30
21,567.84
9,548.04
53,769.63
52,672.00
22,283.07
67.31
-
150
5,936
21,299.87
9,941.87
21,293.69
9,936.43
61,027.00
59,717.00
22,142.82
60.67
-
0.00
-
.
.
53
1,003
-
-
.
.
.
132
6,644
54,828.74
19
99
412.53
5
286
1,268.39
2
4
31.70
131
6,509
50,952.28
18
101
862.14
4
286
1,507.96
2
4
37.81
128
6,262
49,022.64
17
102
773.77
4
265
1,420.00
2
4
40.74
126
6,115
51,339.27
17
82
971.80
5
152
1,412.36
3
4
46.20
127
5,700
57,915.27
17
82
1,279.04
4
152
1,787.10
2
2
45.59
0.00
113
1,185
-
.
-
-
.
.
.
.
0.00
136
1,277
-
.
-
-
.
.
.
.
199
1,312
25.88
-
-
-
-
-
-
-
0.00
243
1,486
26.12
-
-
-
-
-
-
-
-
4
ECB
Payment Statistics
October 2015
Portugal
5. Institutions offering payment services to non-MFIs - page 2
Original units unless otherwise stated; value in millions of EUR; end of period
2010 2011 2012 2013 2014
Institutions offering payment services to non-MFIs (total)
Number of institutions
Number of offices
Number of overnight deposits (thousands)
of which:
Number of internet/PC-linked overnight deposits (thousands)
Value of overnight deposits (EUR millions)
Number of payment accounts (thousands)
Number of e-money accounts (thousands)
Outstanding value on e-money storages issued (EUR millions)
Memo items:
Total number of payment institutions operating in the country on a cross-border basis
of which:
Number of payment institutions providing services through an established branch
Number of payment institutions providing services through an agent
Number of payment institutions providing services neither establishing a branch nor through an agent
Explanatory information on certain data items is given in the notes accompanying these tables
212
8,046
25,423.11
6,041.07
56,542.41
0.00
.
.
269
8,095
25,743.41
6,655.18
58,229.45
0.00
.
.
288
7,920
23,136.89
7,491.78
56,740.49
0.00
.
.
351
7,666
21,574.12
9,553.30
61,399.06
22,308.96
-
67.31
394
7,423
21,299.87
9,941.87
69,016.19
22,168.94
-
60.67
.
.
.
.
.
.
.
.
.
.
.
.
186
5
11
170
227
6
15
206
ECB
Payment Statistics
October 2015
5
Portugal
6. Payment card functions and accepting devices
Original units in thousands; end of period
Cards issued by resident PSPs
Cards with a cash function
Cards with a payment function (except cards with an e-money function only)
of which:
Cards with a debit function
Cards with a delayed debit function
Cards with a credit function
Cards with a debit and/or delayed debit function
Cards with a credit and/or delayed debit function
Cards with an e-money function
Cards on which e-money can be stored directly
Cards which give access to e-money stored on e-money accounts
Cards with an e-money function
of which:
Cards with an e-money function which have been loaded at least once
Total number of cards (irrespective of the number of functions on the card)
of which:
Cards with a combined debit, cash and e-money function
Terminals provided by resident PSPs
ATMs
Located in the reporting country
ATMs
of which:
ATMs with a cash withdrawal function
Located in the reporting country
ATMs with a credit transfer function
Located in the reporting country
POS terminals
Located in the reporting country
POS terminals
of which:
Located in the reporting country
E-money card POS terminals
Located in the reporting country
E-money card terminals
Located in the reporting country
E-money card terminals
of which:
E-money card loading and unloading terminals
Located in the reporting country
E-money card accepting terminals
Located in the reporting country
Explanatory information on certain data items is given in the notes accompanying these tables
278.43
.
.
.
.
278.43
.
.
.
278.43
.
-
.
.
.
2010 2011 2012 2013 2014
18,669.67
19,694.55
10,391.15
-
9,303.40
300.18
.
.
-
-
19,066.88
20,119.63
-
10,005.51
10,114.12
316.46
.
.
-
-
18,708.49
20,317.11
-
10,226.90
10,090.21
554.75
.
.
-
-
19,231.99
18,705.27
-
16,800.37
8,493.47
1,069.14
1,069.14
-
-
-
19,325.56
18,633.82
-
16,955.27
7,751.78
1,250.49
1,250.49
-
-
-
300.18
19,694.55
300.18
316.46
20,119.63
316.46
554.75
20,317.11
554.75
1,069.14
21,169.08
311.40
1,250.49
21,516.57
355.49
17.63
.
.
16.39
.
.
17.63
.
278.43
.
.
.
17.30
15.99
17.30
.
274.08
.
.
.
.
.
.
.
16.76
15.39
16.63
.
259.83
.
.
.
.
.
.
.
16.14
16.14
14.92
14.92
-
16.05
16.05
-
259.43
259.43
-
-
15.77
15.77
-
14.67
14.67
-
15.70
15.70
-
269.89
.
.
274.08
.
.
.
.
274.08
.
.
.
274.08
.
-
.
.
.
259.83
.
.
.
.
259.83
.
.
.
259.83
.
-
.
.
.
259.43
259.43
-
259.43
259.43
-
259.43
259.43
-
-
259.43
-
-
259.43
-
269.89
269.89
.
.
.
269.89
.
.
.
-
269.89
-
-
.
.
6
ECB
Payment Statistics
October 2015
Portugal
7a. Payment transactions per type of payment service involving non-MFIs - page 1
Number of transactions sent in millions (unless otherwise stated); total for the period
2010 2011
Transactions per type of payment service
Credit transfers
Domestic
Cross-border
Credit transfers
Initiated in paper-based form
Initiated in a file/batch
Initiated on a single payment basis of which (memorandum item):
Online banking based e-payments
Credit transfers
of which:
Non-SEPA
Cross-border credit transfers received
Direct debits
Domestic
Cross-border
Direct debits
Initiated in a file/batch
Initiated on a single payment basis
Direct debits
of which:
Non-SEPA
Cross-border direct debits received
Card payments with cards issued by resident PSPs (except cards with an e-money function only)
Domestic card payments
Cross-border card payments
Card payments with cards issued by resident PSPs (except cards with an e-money function only)
Payments with cards with a debit function
Payments with cards with a delayed debit function
Payments with cards with a credit function
Payments with cards with a debit and/or delayed debit function
Payments with cards with a credit and/or delayed debit function
Card payments with cards issued by resident PSP (except cards with an e-money function only)
Payments initiated at physical EFTPOS
Payments initiated remotely
E-money payment transactions with e-money issued by resident PSPs
Domestic
Cross-border
E-money payment transactions with e-money issued by resident PSPs
With cards on which e-money can be stored directly
With e-money accounts of which:
Accessed through a card
Cross-border e-money payment transactions with e-money issued by resident PSPs received
Explanatory information on certain data items is given in the notes accompanying these tables
1,170.47
.
.
963.34
207.13
-
-
-
.
.
.
.
2.11
.
.
2.11
-
.
.
182.57
.
.
18.34
164.23
.
.
.
236.94
.
.
.
.
.
.
1,237.47
.
.
1,004.18
233.29
-
-
-
.
.
.
.
2.17
.
.
2.17
-
.
.
243.04
.
.
.
.
.
.
201.99
.
.
19.39
182.60
.
.
.
2012
205.74
.
.
20.21
185.53
.
.
.
2013
268.12
264.22
3.90
17.65
250.47
129.72
120.76
-
2014
1,215.88
.
.
978.20
237.68
-
-
-
.
.
.
.
6.95
.
.
6.95
-
.
.
252.37
.
.
.
.
.
.
79.60
12.46
220.32
220.29
0.03
220.32
0.00
41.82
2.50
1,274.00
1,240.07
33.93
1,208.00
66.00
-
-
-
956.25
317.75
42.22
41.88
0.34
42.22
-
-
-
215.43
0.04
1,224.40
1,195.13
29.27
1,144.76
79.63
-
-
-
922.75
301.65
30.83
30.61
0.21
30.83
-
-
-
19.68
16.20
217.81
217.67
0.14
217.81
0.00
272.81
268.44
4.37
17.96
254.85
143.50
111.35
-
ECB
Payment Statistics
October 2015
7
Portugal
7a. Payment transactions per type of payment service involving non-MFIs - page 2
Number of transactions sent in millions (unless otherwise stated); total for the period
2010 2011
Cheques
Domestic
Cross-border
Cross-border cheques received
Other payment services
Domestic
Cross-border
Other cross-border payment services received
Total payment transactions involving non-MFIs
Domestic
Cross-border
Total cross-border transactions received (excluding card payments)
Memorandum items:
Credits to the accounts by simple book entry
Debits from the accounts by simple book entry
Money remittances
Domestic
Cross-border
Cross-border money remittances received
Transactions via telecommunication, digital or IT device
Cross-border transactions via telecommunication, digital or IT device received
Other services (not included in the Payment Services Directive)
Domestic
Cross-border
Explanatory information on certain data items is given in the notes accompanying these tables
127.53
.
.
.
0.50
.
.
.
1,720.13
30.78
.
-
.
.
.
.
.
.
.
.
-
-
.
.
.
.
.
.
.
.
.
-
-
.
106.66
.
.
.
0.41
.
.
.
1,791.74
36.02
.
-
.
.
.
.
.
.
.
.
-
-
.
2012
88.69
.
.
.
0.33
.
.
.
1,769.96
33.29
.
-
2013
83.29
83.03
0.26
0.08
13.48
.
.
0.41
1,840.43
1,806.25
34.19
12.99
2014
73.67
73.42
0.25
0.07
13.28
.
.
0.45
1,893.79
1,854.25
39.53
19.22
-
-
-
-
-
.
.
.
-
-
.
128.83
401.23
.
.
.
.
-
-
-
-
-
8
ECB
Payment Statistics
October 2015
Portugal
7b. Payment transactions per type of terminal involving non-MFIs - page 1
Number of transactions sent in millions (unless otherwise stated); total for the period
2010
a) Transactions at terminals provided by resident PSPs with cards issued by resident PSPs
At terminals located in the reporting country
At terminals located abroad
Transactions at terminals provided by resident PSPs with cards issued by resident PSPs
of which
ATM cash withdrawals (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
ATM cash deposits (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
POS transactions (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
E-money card-loading/unloading transactions
At terminals located in the reporting country
At terminals located abroad
E-money payment transactions with cards with an e-money function
At terminals located in the reporting country
At terminals located abroad
b) Transactions at terminals provided by resident PSPs with cards issued by non-resident PSPs
At terminals located in the reporting country
At terminals located abroad
Transactions at terminals provided by resident PSPs with cards issued by non-resident PSPs
of which
ATM cash withdrawals (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
ATM cash deposits (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
POS transactions (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
E-money card-loading/unloading transactions
At terminals located in the reporting country
At terminals located abroad
E-money payment transactions with cards with an e-money function
At terminals located in the reporting country
At terminals located abroad
Explanatory information on certain data items is given in the notes accompanying these tables
1,641.07
.
.
.
.
.
.
-
.
.
9.92
.
-
.
20.75
.
.
.
454.44
.
25.59
.
1,161.03
.
.
.
.
.
.
.
.
-
.
30.67
.
.
2011
1,697.16
.
.
2012
1,672.43
.
.
2013
1,382.12
.
.
2014
1,424.08
.
.
.
.
.
.
-
.
.
10.81
.
-
.
22.77
.
.
.
444.55
.
25.95
.
1,226.65
.
.
.
.
.
.
.
.
-
.
33.58
.
.
438.08
.
25.68
.
1,208.67
.
.
.
.
.
.
.
.
-
.
36.42
.
.
.
.
.
.
-
.
.
11.91
.
-
.
24.52
.
.
.
439.93
439.93
18.64
-
18.64
-
892.94
.
30.61
30.61
-
-
-
-
.
39.64
39.64
-
-
-
-
-
-
-
-
12.99
12.99
-
-
26.65
26.65
-
-
-
-
-
-
-
-
.
14.67
14.67
-
-
31.29
.
-
-
440.97
440.97
16.72
-
16.72
-
924.51
.
41.88
41.88
-
-
-
-
.
45.96
.
.
ECB
Payment Statistics
October 2015
9
Portugal
7b. Payment transactions per type of terminal involving non-MFIs - page 2
Number of transactions sent in millions (unless otherwise stated); total for the period
2010
c) Transactions at terminals provided by non-resident PSPs with cards issued by resident PSPs
At terminals located in the reporting country
At terminals located abroad
Transactions at terminals provided by non-resident PSPs with cards issued by resident PSPs
of which
ATM cash withdrawals (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
ATM cash deposits (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
POS transactions (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
E-money card-loading/unloading transactions
At terminals located in the reporting country
At terminals located abroad
E-money payment transactions with cards with an e-money function
At terminals located in the reporting country
At terminals located abroad
Memorandum items:
Cash advances at POS terminals
OTC cash withdrawals
OTC cash deposits
Explanatory information on certain data items is given in the notes accompanying these tables
15.11
.
.
0.01
-
-
.
.
.
.
.
-
.
3.56
.
-
.
11.55
.
.
.
2012
17.76
.
.
.
.
.
.
.
-
.
3.60
.
-
.
14.16
.
.
.
0.01
-
-
2011
16.49
.
.
.
.
.
.
.
-
.
3.51
.
-
.
12.99
.
.
.
0.01
-
-
2014
38.00
0.00
38.00
33.59
-
-
-
0.34
0.00
0.34
4.07
0.00
4.07
-
33.59
0.00
-
-
0.01
99.29
68.19
2013
33.09
0.00
33.09
29.06
-
-
-
0.21
0.00
0.21
3.82
0.00
3.82
-
29.06
0.00
-
-
0.01
-
-
10
ECB
Payment Statistics
October 2015
Portugal
8a. Payment transactions per type of payment service involving non-MFIs - page 1
Value of transactions sent (unless otherwise stated); EUR billions; total for the period
2010 2011
Transactions per type of payment service
Credit transfers
Domestic
Cross-border
Credit transfers
Initiated in paper-based form
Initiated in a file/batch
Initiated on a single payment basis of which (memorandum item):
Online banking based e-payments
Credit transfers
of which:
Non-SEPA credit transfers
Cross-border credit transfers received
Direct debits
Domestic
Cross-border
Direct debits
Initiated in a file/batch
Initiated on a single payment basis
Direct debits
of which:
Non-SEPA direct debits
Cross-border direct debits received
Card payments with cards issued by resident PSPs (except cards with an e-money function only)
Domestic card payments
Cross-border card payments
Card payments with cards issued by resident PSPs (except cards with an e-money function only)
Payments with cards with a debit function
Payments with cards with a delayed debit function
Payments with cards with a credit function
Payments with cards with a debit and/or delayed debit function
Payments with cards with a credit and/or delayed debit function
Card payments with cards issued by resident PSP (except cards with an e-money function only)
Payments initiated at physical EFTPOS
Payments initiated remotely
E-money payment transactions with e-money issued by resident PSPs
Domestic
Cross-border
E-money payment transactions with e-money issued by resident PSPs
With cards on which e-money can be stored directly
With e-money accounts of which:
Accessed through a card
Cross-border e-money payment transactions with e-money issued by resident PSPs received
Explanatory information on certain data items is given in the notes accompanying these tables
1,417.60
.
.
279.34
1,138.26
.
.
.
53.60
.
.
44.41
9.19
-
-
-
.
.
.
.
0.07
.
.
0.07
-
.
.
33.25
.
.
.
.
.
.
1,445.76
.
.
301.51
1,144.25
.
.
.
34.66
.
.
.
.
.
.
55.73
.
.
46.12
9.62
-
-
-
.
.
.
.
0.08
.
.
0.08
-
.
.
2012
55.08
.
.
45.50
9.58
-
-
-
.
.
.
.
0.19
.
.
0.19
-
.
.
35.70
.
.
.
.
.
.
2013 2014
1,260.53
.
.
255.64
1,004.90
.
.
.
1,378.10
1,227.01
151.09
268.98
1,109.12
500.63
608.49
-
1,341.71
1,196.92
144.79
261.87
1,079.83
529.28
550.55
-
38.64
0.08
56.87
54.87
2.00
52.44
4.43
-
-
-
54.34
2.53
0.61
0.60
0.01
0.61
-
-
-
897.37
147.54
39.35
39.33
0.02
39.35
0.00
8.11
0.88
61.64
59.42
2.22
57.77
3.87
-
-
-
58.99
2.65
0.79
0.78
0.01
0.79
-
-
-
557.54
155.51
37.31
37.21
0.11
37.31
0.00
ECB
Payment Statistics
October 2015
11
Portugal
8a. Payment transactions per type of payment service involving non-MFIs - page 2
Value of transactions sent (unless otherwise stated); EUR billions; total for the period
2010 2011
Cheques
Domestic
Cross-border
Cross-border cheques received
Other payment services
Domestic
Cross-border
Other cross-border payment services received
Total payment transactions involving non-MFIs
Domestic
Cross-border
Total cross-border transactions received (excluding card payments)
Memorandum items:
Credits to the accounts by simple book entry
Debits from the accounts by simple book entry
Money remittances
Domestic
Cross-border
Cross-border money remittances received
Transactions via telecommunication, digital or IT device
Cross-border transactions via telecommunication, digital or IT device received
Other services (not included in the Payment Services Directive)
Domestic
Cross-border
Explanatory information on certain data items is given in the notes accompanying these tables
273.42
.
.
.
7.16
.
.
.
1,785.10
340.15
.
-
.
.
.
.
.
.
.
.
-
-
.
.
.
.
.
.
.
.
.
-
-
.
227.41
.
.
.
5.89
.
.
.
1,769.54
384.51
.
-
.
.
.
.
.
.
.
.
-
-
.
2012
180.05
.
.
.
4.44
.
.
.
1,535.99
342.45
.
-
2013
161.33
160.50
0.83
0.38
8.78
.
.
0.44
1,645.04
1,490.57
154.47
148.43
2014
161.11
160.33
0.79
0.36
7.97
.
.
0.43
1,610.52
1,462.14
148.39
157.17
-
-
-
-
-
.
.
.
-
-
.
3,792.91
3,333.91
.
.
.
.
-
-
-
-
-
12
ECB
Payment Statistics
October 2015
Portugal
8b. Payment transactions per type of terminal involving non-MFIs - page 1
Value of transactions sent (unless otherwise stated); EUR billions; total for the period
2010
a) Transactions at terminals provided by resident PSPs with cards issued by resident PSPs
At terminals located in the reporting country
At terminals located abroad
Transactions at terminals provided by resident PSPs with cards issued by resident PSPs
of which
ATM cash withdrawals (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
ATM cash deposits (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
POS transactions (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
E-money card-loading/unloading transactions
At terminals located in the reporting country
At terminals located abroad
E-money payment transactions with cards with an e-money function
At terminals located in the reporting country
At terminals located abroad
b) Transactions at terminals provided by resident PSPs with cards issued by non-resident PSPs
At terminals located in the reporting country
At terminals located abroad
Transactions at terminals provided by resident PSPs with cards issued by non-resident PSPs
of which
ATM cash withdrawals (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
ATM cash deposits (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
POS transactions (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
E-money card-loading/unloading transactions
At terminals located in the reporting country
At terminals located abroad
E-money payment transactions with cards with an e-money function
At terminals located in the reporting country
At terminals located abroad
Explanatory information on certain data items is given in the notes accompanying these tables
95.40
.
.
.
.
.
.
-
.
.
1.31
.
-
.
1.63
.
.
.
.
.
.
.
.
-
.
30.33
.
12.32
.
52.75
.
.
.
2.94
.
.
2012
94.90
.
.
.
.
.
.
.
-
.
29.07
.
11.58
.
54.26
.
.
.
3.57
.
.
.
.
.
.
-
.
.
1.59
.
-
.
1.98
.
.
.
2011
96.70
.
.
.
.
.
.
.
-
.
29.73
.
12.12
.
54.85
.
.
.
3.25
.
.
.
.
.
.
-
.
.
1.43
.
-
.
1.82
.
.
.
2014
91.99
.
.
0.78
0.78
-
-
-
-
.
28.56
28.56
-
5.16
5.16
-
57.49
.
4.48
.
.
-
-
-
-
-
-
.
1.93
1.93
-
-
2.55
.
-
-
2013
87.50
87.50
-
0.60
0.60
-
-
-
-
-
28.48
28.48
-
5.67
5.67
-
52.74
52.74
3.89
3.89
-
-
-
-
-
-
-
-
1.72
1.72
-
-
2.17
2.17
-
-
ECB
Payment Statistics
October 2015
13
Portugal
8b. Payment transactions per type of terminal involving non-MFIs - page 2
Value of transactions sent (unless otherwise stated); EUR billions; total for the period
2010
c) Transactions at terminals provided by non-resident PSPs with cards issued by resident PSPs
At terminals located in the reporting country
At terminals located abroad
Transactions at terminals provided by non-resident PSPs with cards issued by resident PSPs
of which
ATM cash withdrawals (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
ATM cash deposits (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
POS transactions (except e-money transactions)
At terminals located in the reporting country
At terminals located abroad
E-money card-loading/unloading transactions
At terminals located in the reporting country
At terminals located abroad
E-money payment transactions with cards with an e-money function
At terminals located in the reporting country
At terminals located abroad
Memorandum items:
Cash advances at POS terminals
OTC cash withdrawals
OTC cash deposits
Explanatory information on certain data items is given in the notes accompanying these tables
1.30
.
.
0.01
-
-
.
.
.
.
.
-
.
0.38
.
-
.
0.91
.
.
.
2012
1.40
.
.
.
.
.
.
.
-
.
0.39
.
-
.
1.01
.
.
.
0.01
-
-
.
.
.
.
.
-
.
0.38
.
-
.
0.97
.
.
.
0.01
-
-
2011
1.35
.
.
2.21
-
-
-
0.01
0.00
0.01
0.42
0.00
0.42
-
2.21
0.00
-
-
0.01
72.43
63.39
2014
2.64
0.00
2.64
1.99
-
-
-
0.01
0.00
0.01
0.40
0.00
0.40
-
1.99
0.00
-
-
0.01
-
-
2013
2.40
0.00
2.40
14
ECB
Payment Statistics
October 2015
Portugal
9. Participation in selected payment systems
End of period
TARGET COMPONENT: TARGET2-PT
Number of participants
of which: of which:
Other direct participants of which:
Clearing and settlement organisations
Other financial institutions
Others
RETAIL SYSTEM: SICOI
Number of participants
of which: of which:
Other direct participants of which:
Clearing and settlement organisations
Other financial institutions
Others
Explanatory information on certain data items is given in the notes accompanying these tables
2011
31
-
1
-
-
33
1
1
66
35
12
-
1
3
-
36
6
4
58
46
2010
68
36
34
1
1
32
-
1
-
-
56
45
35
6
4
11
-
1
3
-
2012
34
-
1
-
-
32
1
1
68
34
10
-
1
3
-
38
7
4
59
49
2014
64
32
30
1
1
32
-
1
-
-
52
42
37
1
4
10
-
1
3
-
2013
29
-
1
-
-
31
1
1
62
33
10
-
1
3
-
38
1
4
53
43
ECB
Payment Statistics
October 2015
15
Portugal
10. Payments processed by selected payment systems
Number of transactions sent; millions; total for the period
TARGET COMPONENT: TARGET2-PT
Credit transfers and direct debits
of which:
Credit transfers and direct debits within the same TARGET component
Credit transfers and direct debits to another TARGET component of which:
Credit transfers and direct debits to a euro area TARGET component
Credit transfers and direct debits to a non-euro area TARGET component
Concentration ratio in terms of volume (percentages)
RETAIL SYSTEM: SICOI
Total transactions
Domestic
Cross-border
Domestic
Cross-border
Initiated in a paper-based form
Domestic
Cross-border
Card payments (except e-money transactions)
Domestic
Cross-border
ATM transactions (except e-money transactions)
Domestic
Cross-border
E-money payment transactions
Domestic
Cross-border
Cheques
Domestic
Cross-border
Other payment services
Domestic
Cross-border
Concentration ratio in terms of volume (percentages)
Explanatory information on certain data items is given in the notes accompanying these tables
2010 2011 2012 2013 2014
1.09
0.72
0.37
0.37
0.00
63.60
1.07
0.68
0.39
0.39
0.00
63.70
1.07
0.66
0.41
0.40
0.00
64.00
1.09
0.68
0.42
0.41
0.01
64.00
1.21
0.77
0.45
0.44
0.00
66.00
2,005.81
.
102.73
.
.
.
1.32
101.41
127.75
.
1,260.24
.
433.01
.
.
.
2.17
.
.
.
79.72
.
.
0.19
.
.
77.40
1,937.27
.
86.59
.
.
.
1.47
85.12
121.19
.
1,191.00
.
440.45
.
.
.
2.11
.
.
.
95.71
.
.
0.22
.
.
77.70
1,983.91
.
108.07
.
.
.
1.39
106.68
133.12
.
1,240.40
.
429.35
.
.
.
6.95
.
.
.
65.88
.
.
0.15
.
.
77.20
2,008.03
2,007.89
0.14
118.20
118.17
0.04
7.78
110.42
163.93
163.82
0.11
1,214.66
1,214.66
-
420.03
420.03
41.78
-
41.78
-
49.30
49.30
-
0.12
0.12
-
81.60
1,924.24
1,924.22
0.02
114.34
114.32
0.02
7.53
106.82
140.99
140.99
0.00
1,165.10
1,165.10
-
416.55
416.55
30.61
-
30.61
-
56.52
56.52
-
0.13
0.13
-
80.70
16
ECB
Payment Statistics
October 2015
Portugal
11. Payments processed by selected payment systems
Value of transactions sent; EUR billions; total for the period
TARGET COMPONENT: TARGET2-PT
Credit transfers and direct debits
of which:
Credit transfers and direct debits within the same TARGET component
Credit transfers and direct debits to another TARGET component of which:
Credit transfers and direct debits to a euro area TARGET component
Credit transfers and direct debits to a non-euro area TARGET component
Concentration ratio in terms of volume (percentages)
RETAIL SYSTEM: SICOI
Total transactions
Domestic
Cross-border
Domestic
Cross-border
Initiated in a paper-based form
Domestic
Cross-border
Card payments (except e-money transactions)
Domestic
Cross-border
ATM transactions (except e-money transactions)
Domestic
Cross-border
E-money payment transactions
Domestic
Cross-border
Cheques
Domestic
Cross-border
Other payment services
Domestic
Cross-border
Concentration ratio in terms of volume (percentages)
Explanatory information on certain data items is given in the notes accompanying these tables
2010 2011 2012 2013 2014
5,153.08
3,718.29
1,434.79
1,421.76
13.02
68.40
5,663.82
4,274.22
1,389.60
1,381.97
7.63
66.20
3,711.94
2,828.48
883.46
880.40
3.06
60.00
2,774.85
2,070.80
704.06
699.89
4.17
52.00
2,840.26
1,986.30
853.97
847.08
6.89
54.00
343.83
.
.
130.43
.
.
5.33
125.10
16.94
57.55
.
.
.
30.81
.
.
.
0.08
.
106.65
.
.
1.38
.
.
68.90
.
346.59
.
.
119.31
.
.
5.79
113.52
15.66
55.22
.
.
.
31.16
.
.
.
0.07
.
123.67
.
.
1.51
.
.
68.60
.
360.17
359.87
0.30
140.03
139.72
0.30
27.33
112.70
18.31
18.31
0.00
53.69
53.69
26.66
-
26.66
-
0.60
0.60
119.90
-
119.90
0.98
-
0.98
75.70
-
323.73
.
.
131.92
.
.
5.39
126.53
18.09
57.06
.
.
.
29.95
.
.
.
0.19
.
85.43
.
.
1.09
.
.
69.20
.
385.59
385.15
0.45
153.79
153.45
0.34
30.02
123.78
21.11
21.00
0.11
58.44
58.44
27.12
-
27.12
-
0.78
0.78
-
123.44
123.44
-
0.91
0.91
74.70
-
ECB
Payment Statistics
October 2015
17
GENERAL NOTES: PORTUGAL
Source for Table 1:
Eurostat.
Source for all other tables:
Banco de Portugal, unless otherwise indicated.
Table 1 – Basic statistical data
Annual average. Population
Table 2 – Settlement media used by non-MFIs
Currency in circulation outside MFIs Following the introduction of the euro on 1 January
2002, these figures are provided solely at an aggregated euro area level.
Value of overnight deposits held at MFIs Overnight deposits held at MFIs (excluding ECB). The counterpart sector “non-MFIs” includes the component sectors “Central government” and “Rest of the world”.
Thus, this indicator is not synonymous with the same term used in the ECB concept of narrow money supply
(M1).
Narrow money supply (M1) Following the introduction of the euro on 1 January
2002, these figures are provided solely at an aggregated euro area level.
Outstanding value on e-money storages issued by MFIs Source: ECB.
Covering MFIs without derogations under Article 9(1) of
Regulation ECB/2013/33 (where applicable).
Table 3 – Settlement media used by credit institutions
Overnight deposits held at other credit institutions Value for the last quarter of the period. of which : transferable deposits held at other credit institutions
Data for 2011 include transferable deposits of central banks outside the euro area in the amount of EUR 607 million.
Table 4 – Banknotes and coins
Refer to Table 3 in the “Euro area aggregate data” section.
Table 5 – Institutions offering payment services to non-MFIs
Central bank
Number of offices In 2013 the breaks in the time series are a result of the implementation of the new requirements set by the
Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements.
Value of overnight deposits The increase in the value of overnight deposits at the central bank in 2011 was mainly due to the following two reasons. i) An increase of EUR 4,742 million in the overnight liabilities vis-à-vis the resident general government.
This value reflects the deposit held by the Portuguese
Treasury and Government Debt Agency (Instituto de
Gestão da Tesouraria e do Crédito Público (IGCP)) at
Banco de Portugal, namely the unused funds received in the context of the financial assistance to
Portugal.
Please note that the disbursement of funds in the context of the financial assistance to Portugal is channelled to IGCP through accounts held at Banco de Portugal. ii) An increase of EUR 126 million in overnight deposits held by “Other Financial Intermediaries” and
“Financial Auxiliaries”.
Other payment service providers Includes the postal institution (1).
Table 6 – Payment card functions and accepting devices
Cards issued by resident payment service providers
Cards with a cash function Estimated figures.
In 2013 the breaks in the time series are a result of the implementation of the new requirements set by the
Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements.
Cards with a payment function (except cards with an emoney function only) of which : cards with a debit and/or delayed debit function cards with a credit and/or delayed debit function
In 2013 the breaks in the time series are a result of the implementation of the new requirements set by the
Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements.
As from 2013 payment cards that have both debit and credit function are included in each sub-category.
Cards with an e-money function The Portuguese e-money scheme (PMB) ceased to operate in 2005 as a result of the small number of transactions processed. Prepaid cards are included.
The increase in 2013 was largely due to the issuance of prepaid cards that can only be used in food-related merchants.
Total number of cards (irrespective of the number of functions on the card) of which : cards with a combined debit, cash and emoney function
In 2013 the breaks in the time series are a result of the implementation of the new requirements set by the
Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements.
Terminals provided by resident payment service providers
E-money card terminals The Portuguese e-money scheme (PMB) ceased to operate in 2005 as a result of the small number of transactions processed. Terminals accepting prepaid cards are included.
Tables 7 and 8 – Payment and terminal transactions involving non-MFIs: number/value of transactions [up to
2012]
Transactions per type of payment instrument
Credit transfers Book-entry transactions are not included in this item.
SEPA credit transfers:
Volume
(units)
Value
(EUR millions)
2009
2010
2011
2012
2013
1,416,952
2,325,579
2,851,140
26,836,298
106,516,805
10,726.24
14,030.28
15,793.71
36,693.66
446,048.04 of which: paper based Estimated figures. of which: non-paper based Estimated figures.
Direct debits Book-entry transactions are not included in this item.
Card payments with cards issued in the country (except cards with an e-money function)
Includes payment transactions, other than cash withdrawals or cash deposits, processed through the
ATM/POS network. of which: payments with cards with a debit and/or delayed debit function
Estimated figures.
The increase in the value of transactions processed in
2010 derives from the introduction of a new type of payment card transaction that enables Multibanco cardholders to send funds to other cardholders using the same network.
In 2013 the number of cards with a debit function increased significantly, while the number of cards with a credit function declined. This was largely due to a shift from the issuance of deferred debit cards (classified as credit cards in networks) to the issuance of debit cards, as a result of action by Banco de Portugal in relation to bank card issuers to ensure greater transparency in the recording, classification, processing and commissioning of transactions conducted with deferred debit cards and cards with both a debit and credit function. of which: payments with cards with a credit and/or delayed debit function
Estimated figures.
In 2013 the number of cards with a debit function increased significantly, while the number of cards with a credit function declined. This was largely due to a shift from the issuance of deferred debit cards (classified as credit cards in networks) to the issuance of debit cards, as a result of action by Banco de Portugal in relation to bank card issuers to ensure greater transparency in the recording, classification, processing and commissioning of transactions conducted with deferred debit cards and cards with both a debit and credit function.
E-money purchase transactions The increase in 2013 was largely due to the issuance of prepaid cards that can only be used in food related merchants.
Transactions per type of terminal a) Transactions at terminals located in the country with cards issued in the country
POS transactions (irrespective of type of card used) Includes payment transactions, other than cash withdrawals or cash deposits, processed through the
ATM/POS network.
Tables 7a and 8a – Payment transactions per type of payment service involving non-MFIs: number/value of transactions [as of 2013]
Credit transfers In 2013 the breaks in the time series are a result of the implementation of the new requirements set by the
Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements.
Initiated in paper-based form Estimated figures.
Initiated electronically
Initiated in a file/batch
Initiated on a single payment basis
Estimated figures.
Estimated figures.
Estimated figures.
Direct debits
Initiated in a file/batch
Initiated on a single payment basis
In 2013 the breaks in the time series are a result of the implementation of the new requirements set by the
Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements.
Estimated figures.
Estimated figures.
Card payments with cards issued by resident PSP
(except cards with an e-money function only)
Payments with cards with a debit and/or delayed debit function
Payments with cards with a credit and/or delayed debit function
Estimated figures.
In 2013 the breaks in the time series are a result of the implementation of the new requirements set by the
Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements.
Initiated at a physical EFTPOS
Initiated remotely
Estimated figures.
E-money payment transactions with e-money issued by resident PSPs
In 2013 the breaks in the time series are a result of the implementation of the new requirements set by the
Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements.
Cheques In 2013 the breaks in the time series are a result of the implementation of the new requirements set by the
Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements.
Other payment services In 2013 the breaks in the time series are a result of the implementation of the new requirements set by the
Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements.
Tables 7b and 8b – Payment transactions per type of terminal involving non-MFIs: number/value of transactions [as of 2013]
General note: from 2013, only transactions performed at physical EFTPOS terminals are included (electronic funds transfer at point of sale). a) Transactions at terminals provided by resident PSPs with cards issued by resident PSPs
ATM cash deposits (except e-money transactions) In 2013 the breaks in the time series are a result of the implementation of the new requirements set by the
Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements.
POS transactions (except e-money transactions) In 2013 the breaks in the time series are a result of the implementation of the new requirements set by the
Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements. c) Transactions at terminals provided by non-resident PSPs with cards issued by resident PSPs
POS transactions (except e-money transactions) In 2013 the breaks in the time series are a result of the implementation of the new requirements set by the
Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements.
Memorandum items:
Cash advances at POS terminals In 2013 the breaks in the time series are a result of the implementation of the new requirements set by the
Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements.
Tables 10 and 11 – Payments processed by selected interbank funds transfer systems: number/value of transactions
TARGET component
Credit transfers sent Includes transactions processed through TARGET2-PT
(the Portuguese component of TARGET2), SPGT (the
Portuguese component of TARGET) and SPGT2
(Portuguese PHA). Transactions initiated through
Aplicativo de Gestão Integrada de Liquidações (AGIL – an integrated settlement management application) are also included.
SPGT ceased to operate on 15 February 2008.
SPGT2 operated between 18 February 2008 and
27 February 2009.
TARGET2-PT went live on 18 February 2008.
AGIL is a local system that manages current accounts with Banco de Portugal for institutions that do not participate directly in TARGET2-PT. AGIL went live on
2 March 2009.
Retail system: SICOI
General note: in 2013 the breaks in the time series are a result of the implementation of the new requirements set by the Regulation (EU) No 1409/2013 of the European Central bank on payments statistics (ECB/2013/43) and reported data quality enhancements.
Credit transfers SEPA credit transfers:
Volume
(units)
2009
2010
277,263
904,654
2011
2012
2013
1,192,925
24,306,586
71,125,884
Value
(EUR millions)
2,548.77
3,832.97
4,132.84
21,330.24
81,002.88 of which: paper-based credit transfers of which: non-paper-based credit transfers
Retail system: SLOD
Total transactions sent
Estimated figures.
Estimated figures.
SLOD ceased to operate on 27 February 2009.
Dados de PORTUGAL e quadros comparativos
Fonte: http://sdw.ecb.europa.eu/home.do
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
1.1 Basic statistical data
2010
19.06
17.77
28.03
39.53
98.20
6.60
631.51
294.63
359.82
179.93
126.75
36.25
67.20
187.10
369.08
1,813.33
365.10
37.72
156.37
241.52
2,580.06
14.72
166.16
226.21
1,080.91
1,998.48
45.00
1,605.69
9,483.85
12,749.29
2011
19.49
20.14
31.26
42.23
100.70
6.89
642.93
308.63
377.03
176.17
133.31
36.90
70.16
196.87
404.95
1,866.02
379.11
40.96
163.58
246.07
2,703.12
16.67
173.94
207.75
1,070.41
2,059.28
44.71
1,638.86
9,751.78
13,132.55
GDP
(EUR billions)
2012
19.41
21.98
33.33
43.57
98.97
7.20
645.16
317.06
386.14
168.40
133.51
35.99
72.18
199.79
423.34
2,053.61
387.42
41.69
160.71
250.79
2,754.86
18.01
174.85
194.20
1,042.87
2,086.93
43.93
1,614.67
9,793.60
13,385.03
2013
18.12
22.81
34.96
46.54
101.27
7.53
650.86
322.88
396.11
170.27
144.25
35.91
73.59
202.74
435.75
2,042.89
392.70
41.91
156.93
252.94
2,820.82
19.01
179.45
182.44
1,031.27
2,116.57
43.49
1,606.89
9,894.55
13,541.72
2014
17.51
23.69
36.44
48.90
104.24
7.94
662.77
329.30
413.13
173.45
150.02
37.30
75.21
205.18
430.63
2,253.31
400.64
42.75
154.74
257.75
2,915.65
19.96
189.05
179.08
1,041.16
2,132.45
43.02
1,613.86
10,090.58
13,944.02
2010
0.83
2.10
3.10
0.51
10.00
0.41
16.61
8.36
38.52
10.57
20.25
2.05
5.43
5.36
9.38
62.76
10.88
7.53
10.52
5.55
81.76
1.33
4.56
11.15
46.56
64.97
4.30
59.83
329.86
500.89
Population
(millions)
2012
16.75
8.43
38.53
10.51
20.06
2.06
5.41
5.41
9.52
63.71
0.86
2.03
2.99
0.53
9.92
0.42
11.05
7.31
10.51
5.59
81.92
1.33
4.59
11.09
46.77
65.60
4.27
60.34
333.06
503.23
2011
16.69
8.39
38.53
10.56
20.15
2.05
5.40
5.39
9.45
63.29
0.85
2.06
3.03
0.52
9.97
0.42
10.98
7.35
10.50
5.57
81.78
1.33
4.58
11.12
46.74
65.29
4.28
60.06
332.14
502.02
2013
16.80
8.48
38.50
10.46
19.99
2.06
5.41
5.44
9.60
64.11
0.86
2.01
2.96
0.55
9.89
0.42
11.11
7.27
10.51
5.61
82.10
1.32
4.60
11.03
46.59
65.88
4.26
60.65
333.75
508.45
2014
16.86
8.54
38.48
10.40
19.95
2.06
5.42
5.46
9.70
64.60
0.85
1.99
2.93
0.56
9.87
0.43
11.16
7.23
10.52
5.64
82.36
1.32
4.61
10.99
46.46
66.17
4.23
60.80
336.45
509.46
ECB
Payment Statistics
October 2015
1
1.1 Basic statistical data (cont'd)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2011
22.90
9.78
10.32
81.30
10.10
16.56
38.51
36.79
9.79
16.69
6.62
17.97
13.00
36.54
42.86
29.49
34.53
5.57
15.58
44.18
33.05
12.53
38.00
18.68
22.90
31.54
10.44
27.29
29.36
26.16
2010
22.98
8.47
9.05
77.88
9.82
15.92
38.02
35.24
9.34
17.02
6.26
17.69
12.38
34.88
39.36
28.89
33.55
5.01
14.87
43.54
31.56
11.04
36.44
20.28
23.21
30.76
10.48
26.84
28.75
25.45
Comparison of GDP per capita
(EUR thousands)
2012
22.47
10.81
11.16
81.98
9.98
17.18
38.51
37.63
10.02
16.02
6.66
17.50
13.35
36.90
44.47
32.24
35.05
5.71
15.29
44.86
33.63
13.59
38.09
17.51
22.30
31.82
10.29
26.76
29.40
26.60
2013
21.02
11.33
11.82
85.35
10.24
17.79
38.74
38.09
10.29
16.28
7.22
17.43
13.60
37.28
45.39
31.87
35.36
5.76
14.93
45.06
34.36
14.40
38.99
16.54
22.13
32.13
10.21
26.50
29.65
26.63
2014
20.54
11.88
12.44
87.58
10.56
18.58
39.30
38.54
10.74
16.68
7.52
18.09
13.88
37.56
44.41
34.88
35.91
5.91
14.70
45.68
35.40
15.17
40.96
16.29
22.41
32.23
10.16
26.55
29.99
27.37
2011
2.1
4.1
3.3
1.4
4.5
2.5
3.6
3.9
3.6
5.8
3.5
4.2
4.1
3.7
3.9
2.5
3.4
3.4
2.1
2.7
2.5
5.1
1.2
3.1
3.1
2.3
2.2
2.9
2.7
3.1
HICP (annual percentage changes)
2010
2.1
0.7
1.7
1.9
3.3
0.9
1.7
2.7
1.4
6.1
2.6
-1.2
1.2
2.8
4.7
2.0
2.3
3.0
1.2
2.2
1.2
2.7
-1.6
4.7
2.0
1.7
1.1
1.6
1.6
2.1
2012
2.8
3.7
3.2
0.9
2.8
2.8
2.6
3.7
2.8
3.4
3.1
2.3
3.2
2.9
5.7
3.2
2.6
2.4
3.5
2.4
2.1
4.2
1.9
1.0
2.4
2.2
3.4
3.3
2.5
2.6
2013
1.9
1.5
2.2
0.4
2.6
2.6
2.1
0.8
0.4
3.2
0.4
0.0
1.2
1.7
1.7
1.0
1.2
0.4
1.4
0.5
1.6
3.2
0.5
-0.9
1.5
1.0
2.3
1.3
1.4
1.5
2010
0.71
.
3.45
275.48
.
.
3.99
.
4.21
.
.
9.54
0.86
.
.
.
1.96
25.28
.
7.45
.
15.65
.
.
7.29
.
.
.
.
.
2014
0.4
-0.1
1.2
0.2
1.5
0.3
1.5
0.1
-0.2
1.4
-0.3
0.7
0.2
0.7
0.0
0.8
0.5
-1.6
0.4
0.3
0.8
0.5
0.3
-1.4
-0.2
0.6
0.2
0.2
0.4
0.6
Exchange rate vis-à-vis the euro
(average for the year)
2011 2012 2013 2014
1.96
24.59
.
7.45
.
.
.
.
7.44
.
.
.
1.96
25.15
.
7.44
.
.
.
.
7.52
.
.
.
1.96
25.98
.
7.46
.
.
.
.
7.58
.
.
.
0.71
.
3.45
0.70
.
3.45
0.70
.
3.45
3.45
.
.
.
.
.
279.37
289.25
296.87
308.71
.
.
.
.
.
4.12
.
4.24
.
.
9.03
0.87
.
.
.
4.18
4.46
8.70
0.81
.
.
.
.
.
.
4.20
4.42
8.65
0.85
.
.
.
.
.
.
4.18
.
4.44
.
.
9.10
0.81
.
.
.
1.96
27.54
.
7.45
.
.
.
.
7.63
.
.
.
.
.
.
.
.
.
.
.
2
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
1.2 Comparison with EU totals
Share in total GDP
(percentages)
Share in total population
(percentages)
Comparison of GDP per capita
with EU average
2010
12.59
0.15
0.14
0.22
0.31
0.77
0.05
4.95
2.31
2.82
1.41
0.99
0.28
0.53
1.47
2.89
14.22
2.86
0.30
1.23
1.89
20.24
0.12
1.30
1.77
8.48
15.68
0.35
2011
12.48
0.15
0.15
0.24
0.32
0.77
0.05
4.90
2.35
2.87
1.34
1.02
0.28
0.53
1.50
3.08
14.21
2.89
0.31
1.25
1.87
20.58
0.13
1.32
1.58
8.15
15.68
0.34
2012
2.89
0.31
1.20
1.87
20.58
0.13
1.31
1.45
7.79
15.59
0.33
12.06
0.15
0.16
0.25
0.33
0.74
0.05
4.82
2.37
2.88
1.26
1.00
0.27
0.54
1.49
3.16
15.34
2013
2.90
0.31
1.16
1.87
20.83
0.14
1.33
1.35
7.62
15.63
0.32
11.87
0.13
0.17
0.26
0.34
0.75
0.06
4.81
2.38
2.93
1.26
1.07
0.27
0.54
1.50
3.22
15.09
2014
2.87
0.31
1.11
1.85
20.91
0.14
1.36
1.28
7.47
15.29
0.31
11.57
0.13
0.17
0.26
0.35
0.75
0.06
4.75
2.36
2.96
1.24
1.08
0.27
0.54
1.47
3.09
16.16
2010
2.17
1.50
2.10
1.11
16.32
0.27
0.91
2.23
9.30
12.97
0.86
11.94
0.17
0.42
0.62
0.10
2.00
0.08
3.32
1.67
7.69
2.11
4.04
0.41
1.08
1.07
1.87
12.53
2011
2.19
1.46
2.09
1.11
16.29
0.26
0.91
2.22
9.31
13.01
0.85
11.96
0.17
0.41
0.60
0.10
1.99
0.08
3.33
1.67
7.67
2.10
4.01
0.41
1.08
1.07
1.88
12.61
2012
2.20
1.45
2.09
1.11
16.28
0.26
0.91
2.20
9.29
13.03
0.85
11.99
0.17
0.40
0.59
0.11
1.97
0.08
3.33
1.67
7.66
2.09
3.99
0.41
1.07
1.08
1.89
12.66
2013
2.18
1.43
2.07
1.10
16.15
0.26
0.91
2.17
9.16
12.96
0.84
11.93
0.17
0.40
0.58
0.11
1.95
0.08
3.30
1.67
7.57
2.06
3.93
0.41
1.06
1.07
1.89
12.61
2014 2010 2011 2012 2013 2014
2.19
131.80
132.01
131.77
132.78
131.20
1.42
2.07
1.11
171.06
168.88
168.64
169.20
166.88
16.17
123.98
126.36
126.44
129.00
129.34
0.26
0.91
2.16
9.12
0.39
0.57
3.92
0.40
1.06
1.07
19.67
58.41
43.37
143.16
79.68
91.20
33.29
35.55
24.59
69.52
48.62
137.05
21.31
59.57
47.92
145.27
71.40
87.55
37.40
39.47
25.29
68.71
49.68
139.67
21.46
57.49
51.08
143.21
65.82
83.84
11.93
105.44
104.31
100.61
0.17
90.29
87.55
84.47
40.64
41.95
25.02
65.78
50.20
138.74
21.64
56.06
54.08
146.41
62.12
83.10
99.49
78.93
42.54
44.38
27.10
65.46
51.05
139.96
21.60
53.72
55.43
149.67
59.52
81.87
12.99
120.84
120.56
119.61
120.63
117.75
0.83
41.16
39.91
38.70
38.35
37.13
96.99
75.03
43.40
45.46
0.11
305.98
310.79
308.23
320.46
319.99
1.94
38.58
38.61
37.51
38.44
38.60
0.08
62.56
63.30
64.58
66.81
67.88
3.31
149.35
147.23
144.79
145.46
143.59
1.68
138.44
140.65
141.46
143.01
140.81
7.55
36.70
37.41
37.67
38.63
39.22
2.04
66.86
63.79
60.21
61.14
60.93
27.48
66.10
50.72
137.24
1.90
154.62
163.82
167.20
170.42
162.27
12.68
113.52
112.72
121.20
119.65
127.45
74.39
74.26
73.17
73.07
72.36
65.86
66.16
66.19
65.64
66.04
112.96
112.24
110.55
111.31
109.58
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
ECB
Payment Statistics
October 2015
3
2.
Currency in circulation outside MFIs
(end of period)
Euro area total
Bulgaria
Czech Republic
Denmark
Croatia
Lithuania
Hungary
Poland
Romania
Sweden
United Kingdom
Euro area total
Bulgaria
Czech Republic
Denmark
Croatia
Lithuania
Hungary
Poland
Romania
Sweden
United Kingdom
2010
808,562.25
3,761.45
14,265.63
7,063.12
.
2,272.65
7,981.02
23,322.52
6,289.57
10,751.66
58,719.72
2010
8.53
9.97
9.12
2.92
.
8.11
8.13
6.48
4.96
2.91
3.24
Total value
(EUR millions)
2011
857,481.67
3,984.75
14,656.30
7,059.54
2,214.28
2,813.37
8,110.71
22,846.12
7,085.72
10,334.61
63,741.17
2012
876,786.97
4,345.65
15,461.77
7,315.64
2,242.41
2,991.49
8,737.37
25,152.43
7,089.34
10,254.25
68,641.10
Value as a percentage of GDP
2013
921,221.18
4,640.12
14,782.70
7,475.50
2,284.14
3,169.02
10,102.87
27,538.45
7,781.75
9,307.27
70,427.01
2011
8.79
9.73
8.96
2.87
4.95
9.00
8.05
6.06
5.32
2.55
3.42
2012
8.95
10.42
9.62
2.92
5.10
8.97
8.83
6.51
5.31
2.42
3.34
2013
9.31
11.07
9.42
2.96
5.25
9.06
9.98
6.95
5.39
2.14
3.45
2014
980,634.05
5,198.95
15,581.76
7,594.99
2,418.39
1,354.26
11,245.68
30,429.19
8,904.11
8,478.55
79,445.37
2014
9.72
12.16
10.07
2.95
5.62
3.72
10.79
7.37
5.94
1.97
3.53
2010
17.01
40.01
17.68
6.58
.
28.64
33.43
20.64
32.84
6.08
4.69
Value per capita
(EUR)
2010
2,451.24
499.24
1,356.40
1,273.32
.
733.76
798.10
605.51
310.65
1,146.46
935.64
2011
2,581.67
542.27
1,396.28
1,267.42
517.11
929.08
813.37
593.01
351.69
1,093.70
1,007.21
2012
2,632.48
594.81
1,471.25
1,308.47
525.35
1,001.24
880.75
652.73
353.40
1,077.20
1,077.48
Value as a percentage of narrow money (M1)
2013
2,760.17
638.21
1,406.44
1,331.82
536.50
1,071.45
1,021.21
715.25
389.36
969.47
1,098.60
2011
17.62
37.06
17.58
6.73
21.37
31.02
34.75
21.76
35.66
5.76
4.93
2012
16.96
36.93
16.65
6.41
21.44
28.77
35.00
21.14
35.36
5.20
4.86
2013
16.92
33.56
16.13
6.35
20.01
27.50
33.73
20.58
34.68
4.47
4.60
2014
2,914.63
718.80
1,480.66
1,345.91
571.34
462.38
1,139.79
790.70
446.38
874.43
1,229.88
2014
16.46
32.68
15.42
6.01
19.29
11.21
33.04
21.45
33.64
3.93
4.52
4
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
3.
Overnight deposit accounts held by credit institutions
Accounts held at the central bank (average for last reserve maintenance period)
(end of period)
Total value
(EUR billions)
2010
4.69
5.07
0.62
0.73
8.62
-
171.82
7.19
28.67
46.75
26.37
1.61
.
1.04
0.63
10.08
2.78
0.71
31.45
10.44
6.31
12.13
1.71
2.14
79.49
-
1.06
9.15
278.68
471.25
2011
18.14
2.01
2.13
-
156.18
0.36
7.72
4.78
47.35
86.84
36.99
2.70
.
0.99
1.21
38.00
4.19
1.10
149.85
14.87
6.53
5.70
5.71
0.85
0.99
39.18
-
209.70
611.60
844.08
2012
24.47
2.02
5.24
-
214.32
0.38
5.32
2.60
64.22
140.09
38.03
3.36
.
1.03
1.29
31.22
3.48
0.93
124.50
24.95
8.44
5.78
4.83
1.41
0.65
45.15
-
334.53
727.39
1,088.26
2013
5.85
6.37
1.64
1.02
14.38
-
365.71
1.99
19.63
61.74
1.97
23.95
1.86
1.59
1.24
19.27
2.85
0.45
42.95
11.95
8.16
10.28
2.04
9.47
86.08
-
0.40
3.87
307.31
706.71
2014
2.90
6.46
1.47
0.73
17.46
388.39
-
1.90
12.10
54.61
1.97
16.90
3.73
1.03
1.88
14.91
2.50
0.66
47.94
7.56
8.68
7.95
3.28
11.96
90.25
-
0.27
3.95
286.33
710.42
2010
5.87
2.25
25.50
2.83
10.78
4.98
3.54
1.75
3.18
2.65
2.34
1.64
8.44
.
2.60
4.00
1.71
1.08
4.61
9.48
-
3.32
4.54
1.37
3.08
-
7.20
5.51
2.94
3.70
Value as a percentage of GDP
2011
2.30
4.42
4.22
2.26
13.87
.
4.91
3.87
89.98
4.16
16.00
23.31
4.82
1.73
3.24
4.28
2.30
1.41
19.90
11.24
-
4.79
4.91
1.30
5.78
-
2.18
4.44
6.27
6.43
2012
1.34
6.16
6.71
2.36
17.32
.
4.69
3.88
71.65
3.52
12.90
19.30
7.87
2.19
3.44
3.62
3.92
0.91
22.60
16.29
-
6.32
4.84
3.26
-
7.78
2.09
3.04
7.43
8.13
2013
1.09
1.90
2.92
4.54
1.49
10.26
6.95
3.55
41.41
2.81
5.98
6.60
3.70
2.06
3.43
4.42
4.57
1.39
7.09
17.90
-
2.62
4.86
6.03
3.05
-
2.09
2.16
3.11
5.22
2014
1.06
1.16
2.56
4.58
1.05
21.29
4.36
5.17
30.49
2.40
8.25
7.23
2.30
2.10
1.67
4.31
3.95
0.97
8.51
17.24
-
1.98
7.67
7.73
-
3.10
1.33
2.09
2.84
5.09
ECB
Payment Statistics
October 2015
5
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
3.
Overnight deposit accounts held by credit institutions (cont'd)
Accounts held at other credit institutions (average of end-of-quarter figures)
(end of period)
Total value
(EUR billions)
2010
25.17
0.59
1.23
174.05
352.71
0.03
-
6.18
38.84
350.43
111.12
0.73
.
0.20
0.11
25.35
1.25
0.62
31.78
46.10
2.65
3.85
0.86
0.08
0.51
12.96
39.56
410.00
1,006.42
1,636.94
2011
23.04
0.42
1.01
162.60
332.62
0.77
-
4.52
39.31
255.04
101.57
0.93
.
0.21
0.11
24.79
1.61
0.72
49.24
47.28
2.56
2.93
1.12
0.08
0.48
36.68
34.37
311.60
920.00
1,435.61
2012
31.75
0.25
1.54
180.68
387.87
0.76
-
3.51
29.20
133.15
116.78
0.80
.
0.16
0.15
28.39
2.02
0.59
42.99
47.59
3.04
2.74
0.73
0.16
0.34
52.50
39.54
352.23
879.12
1,459.45
2013
23.90
0.18
1.53
154.30
389.15
0.91
11.68
4.08
20.07
107.44
0.14
106.88
0.54
0.08
0.12
21.84
2.22
0.42
42.24
43.82
3.83
2.75
0.68
0.07
0.44
18.79
45.08
381.38
795.01
1,384.54
2014
14.79
0.24
2.19
212.52
404.58
1.25
12.97
3.47
43.24
142.24
0.23
105.09
3.49
0.12
0.21
26.14
2.01
0.36
47.00
43.38
3.22
2.36
0.64
0.11
0.39
16.84
36.65
293.88
867.82
1,419.50
2010
2.73
3.59
17.53
6.92
3.85
.
1.15
0.38
64.14
1.27
9.35
5.03
15.65
0.74
2.14
0.68
0.22
0.76
6.93
10.72
22.61
6.89
1.57
0.79
72.06
13.67
0.20
-
10.61
12.84
Value as a percentage of GDP
2011
2.18
3.67
12.38
6.20
4.79
.
1.02
0.35
58.71
1.60
10.41
7.66
15.32
0.68
1.66
0.84
0.21
0.69
18.63
8.49
16.70
6.08
1.03
0.62
66.08
12.31
4.61
-
9.43
10.93
2012
0.71
0.45
65.16
2.04
8.20
6.66
15.01
0.79
1.81
2.80
6.38
7.23
4.12
.
1.62
0.55
0.45
0.47
26.28
9.34
17.15
8.20
0.60
0.96
72.04
14.08
4.23
-
8.98
10.90
2013
0.34
0.33
46.93
2.19
5.60
6.49
13.57
0.97
2.23
1.95
5.08
0.32
6.65
2.95
1.62
0.47
0.20
0.60
9.27
10.35
18.67
6.09
0.42
0.97
61.00
13.80
4.79
6.51
8.03
10.22
2014
1.94
4.15
6.67
0.52
6.51
19.94
0.52
0.56
53.46
1.93
4.59
7.09
13.17
0.78
1.36
0.43
0.28
0.52
8.21
8.51
13.04
3.69
0.55
1.42
82.45
13.88
6.26
6.86
8.60
10.18
6
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
4.
Institutions offering payment services to non-MFIs
Number of institutions
(end of period)
Total number
2010
88
151
191
34
312
785
708
212
340
690
.
807
42
.
114
31
111
162
1,941
38
489
63
51
36
35
342
176
377
6,510
8,485
2011
114
148
186
34
309
770
702
269
378
666
.
801
33
.
116
42
78
151
1,944
45
483
59
51
35
37
335
199
375
6,581
8,512
2012
125
153
181
39
273
755
700
288
363
646
.
764
33
.
112
43
66
138
1,918
44
474
53
49
33
34
321
203
375
6,420
8,333
2013
126
160
176
40
269
736
712
351
342
629
43
741
117
33
114
40
66
126
1,893
47
458
41
49
33
31
310
196
359
6,312
8,238
2014
129
169
168
49
271
712
709
394
278
503
39
716
71
34
115
38
67
123
1,857
47
448
53
44
30
41
282
253
362
6,070
8,002
2010
28
298
19
82
19
94
18
20
7
11
.
13
20
.
3
18
6
64
19
6
24
29
107
6
10
4
11
29
20
17
Number per million inhabitants
2011
38
285
19
82
19
92
18
25
8
10
.
13
16
.
3
17
7
62
21
6
24
34
106
5
11
6
7
27
20
17
2012
42
288
18
93
16
90
18
27
8
10
.
13
16
.
2
16
6
59
21
6
23
33
103
5
10
6
6
25
19
17
2013
43
293
18
94
16
87
18
34
7
10
10
12
136
16
2
16
6
57
20
6
23
36
100
4
10
6
6
22
19
16
2014
44
303
17
115
16
83
18
38
12
83
17
6
8
9
2
15
8
52
26
6
23
36
97
5
10
5
6
22
18
16
ECB
Payment Statistics
October 2015
7
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
4.
Institutions offering payment services to non-MFIs (cont'd)
Number of offices
(end of period)
Total number
2010
5,487
5,987
5,422
1,676
40,130
556
1,997
4,023
43,188
38,823
.
48,042
1,174
.
1,672
473
6,870
133
2,917
4,964
24,595
8,046
698
.
2,823
1,547
1,935
22,533
204,394
284,162
2011
40,249
38,171
.
46,967
1,166
.
4,262
470
6,807
141
2,706
5,208
24,319
8,095
5,260
3,907
5,523
1,582
39,643
530
2,740
3,862
7,110
691
2,804
1,529
1,889
22,552
200,212
279,329
2012
38,300
38,026
.
46,087
1,124
1,024
4,618
468
6,507
130
2,515
5,216
33,994
7,920
5,166
3,949
5,584
1,428
38,173
461
2,591
3,646
6,967
699
2,830
1,487
1,889
22,001
194,839
282,800
2013
33,876
37,863
1,223
44,753
950
971
5,314
491
6,420
132
2,218
5,094
40,505
7,666
5,086
3,884
5,712
1,216
38,062
430
2,555
3,125
634
.
2,841
1,384
1,952
-
187,160
260,878
2014
8,431
4,660
5,712
1,106
37,131
164
1,870
2,721
32,158
37,621
1,196
43,847
905
941
5,332
381
6,335
134
2,306
4,955
55,270
7,423
597
.
3,083
1,276
2,042
-
185,944
274,007
2010
540
932
687
321
176
594
639
761
928
598
.
803
560
.
341
.
520
288
206
359
504
795
516
302
491
417
438
361
620
567
Number per million inhabitants
2011
1,407
905
683
339
162
621
631
767
861
585
.
782
566
.
353
337
519
284
200
356
479
532
526
284
485
399
599
347
603
556
2012
819
580
.
764
1,301
504
1,546
881
656
310
150
619
882
753
347
340
523
275
198
345
467
541
531
255
466
348
564
329
585
562
2013
727
575
287
738
1,102
482
1,797
900
649
312
132
601
1,052
733
308
.
525
254
203
0
458
534
543
217
464
326
555
283
561
513
2014
692
569
283
721
1,062
472
1,820
682
642
314
137
580
1,436
714
290
.
569
234
211
0
756
644
543
196
451
125
405
248
553
538
8
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
5.
Overnight deposits held by non-MFIs
Number of overnight deposits
(end of period)
Total number
(thousands)
2010
16,642.37
-
13,074.66
-
-
2,786.81
8,075.00
35,001.75
82,158.67
76,875.00
2,283.56
.
.
4,936.51
9,483.58
10,205.11
-
877.18
24,076.00
9,942.45
51,954.43
25,423.11
24,879.08
2,435.01
8,758.51
13,233.00
133,185.19
-
349,759.36
600,264.72
2011
16,601.49
-
14,030.19
-
-
2,763.10
7,432.00
34,077.74
79,505.41
77,795.00
2,491.30
.
.
5,105.23
8,480.28
-
10,542.62
994.78
23,459.00
9,765.55
56,362.24
25,743.41
27,619.26
2,451.08
8,905.21
13,856.00
128,260.72
-
358,517.34
608,917.89
2012
16,551.93
-
15,081.36
-
-
2,233.73
7,262.00
32,622.46
77,111.36
78,412.00
2,545.30
.
.
4,989.68
8,707.55
-
10,757.46
1,013.84
22,758.00
9,678.16
58,499.64
23,136.89
71,831.70
2,458.72
9,204.66
13,930.00
-
128,409.82
354,065.53
652,342.74
2013
16,791.91
-
16,708.50
12,950.00
-
2,283.42
6,997.00
33,385.25
75,182.01
79,510.00
5,972.00
2,647.30
.
5,034.09
8,361.58
-
10,613.22
1,036.43
23,509.00
10,347.15
60,636.49
21,574.12
41,329.37
2,454.00
9,492.00
14,501.00
-
-
359,755.98
521,361.23
2014
25,959.67
-
17,814.83
14,637.00
148,292.05
2,315.95
8,496.85
32,962.90
73,411.05
80,462.00
-
61,214.03
2,656.33
3,782.37
9,173.10
5,452.00
10,978.49
1,106.27
22,359.00
61,622.07
.
21,299.87
.
2,454.90
8,549.46
15,320.00
-
-
528,829.94
658,648.59
2010
2.35
3.06
1.02
-
2.12
1.45
1.19
1.35
3.14
1.76
1.18
2.75
.
.
2.40
1.23
1.19
1.61
2.47
2.12
-
1.53
-
1.24
2.09
-
-
1.77
1.06
1.20
Number per capita
2011
2.48
2.80
1.06
-
2.39
1.41
1.16
1.46
3.06
1.70
1.19
2.93
.
.
2.44
1.37
1.19
1.65
2.57
2.03
-
1.51
-
1.34
2.08
-
-
1.62
1.08
1.21
2012
2.45
2.91
-
1.08
2.42
1.36
1.15
1.52
2.94
1.65
1.20
2.95
.
.
2.20
3.58
1.20
1.70
2.57
-
2.02
1.50
-
1.44
-
-
1.69
1.58
1.06
1.30
2013
2.50
2.83
1.07
-
2.45
1.40
1.22
1.57
3.03
1.61
1.21
1.40
3.07
.
2.06
2.07
1.19
1.75
2.67
-
-
1.51
-
1.59
2.31
-
1.73
1.52
1.08
1.03
2014
1.90
3.13
9.77
1.11
2.59
1.33
1.60
.
3.00
1.58
1.22
-
1.01
3.12
2.05
.
1.19
1.57
2.80
-
-
2.33
-
1.69
2.59
1.80
1.76
1.84
1.57
1.29
ECB
Payment Statistics
October 2015
9
5.
Overnight deposits held by non-MFIs (cont'd)
Value of overnight deposits
(end of period)
Total value
(EUR billions)
2010 2011 2012 2013 2014
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
142.73
143.81
6.54
7.99
74.42
75.71
156.09
167.25
189.18
9.67
10.78
13.51
86.82
83.11
91.69
.
.
.
.
168.56
1,190.73
1,266.14
1,454.30
1,538.94
1,640.87
5.99
6.26
8.05
8.99
10.65
129.93
.
.
.
.
96.48
86.52
535.62
527.62
575.71
609.04
.
858.58
800.13
.
.
.
8.66
.
10.68
.
141.47
149.08
.
.
6.63
6.81
316.53
327.94
123.56
127.23
98.62
94.39
56.54
.
8.71
21.58
72.71
.
.
58.23
19.23
8.89
21.25
77.81
.
.
81.91
85.45
526.41
545.69
618.14
.
637.40
666.70
708.54
56.74
20.10
9.31
23.49
86.44
.
10.90
800.88
825.75
20.11
14.49
61.40
9.62
27.10
94.74
.
11.66
16.65
13.71
.
15.27
.
16.51
9.36
166.73
179.16
211.22
.
.
.
7.46
8.16
10.59
356.25
371.28
484.48
146.26
159.53
106.24
116.46
123.05
.
69.02
24.33
13.52
28.39
102.15
.
.
.
3,945.07
4,230.53
.
.
Euro area total 4,294.59
4,358.34
4,663.88
4,795.34
5,346.56
EU total 7,782.06
8,285.70
9,211.32
9,383.35 10,328.76
Value per capita
(EUR thousands)
2010 2011
13.11
0.87
7.08
14.56
.
4.49
28.50
8.65
11.50
8.86
14.35
.
.
7.78
11.29
9.33
13.32
.
.
4.13
.
5.19
.
278.76
287.02
.
.
15.99
19.05
14.78
2.56
16.36
19.65
15.17
2.45
5.35
.
4.25
3.98
13.56
.
.
5.52
0.95
4.33
3.94
14.44
.
.
13.10
1.09
7.21
15.48
.
4.71
.
13.02
15.54
13.12
16.50
2012 2013
14.12
1.32
8.26
17.75
.
6.07
.
7.38
11.26
9.72
13.27
23.28
.
7.75
11.71
10.12
2.56
13.62
16.81
6.74
.
7.59
.
313.70
328.56
.
.
17.78
21.27
17.36
2.76
19.27
22.10
18.82
3.02
5.40
1.00
4.53
4.34
15.97
.
.
5.87
.
4.67
5.01
17.42
61.54
.
15.06
1.48
7.91
18.74
.
6.81
.
14.00
18.30
14.37
18.45
2014 2010
16.96
1.87
8.71
29.87
19.92
8.09
.
13.30
.
10.71
2.75
19.52
.
42.65
49.55
28.81
53.47
.
.
8.28
3.20
48.74
.
378.33
357.92
.
.
24.77
28.73
3.20
.
100.41
50.12
41.94
27.41
6.64
1.22
6.56
5.24
18.70
65.49
.
31.42
.
24.02
32.12
38.86
.
.
39.09
17.33
47.59
46.15
.
40.71
78.20
15.89
20.27
45.28
61.04
Value as a percentage of GDP
2011 2012 2013 2014
37.93
19.51
46.28
46.84
.
37.55
.
40.29
23.18
54.02
52.79
.
44.69
.
42.59
25.73
52.96
54.56
.
47.26
.
41.65
49.29
29.58
42.18
50.48
30.54
.
48.82
49.60
.
103.59
.
46.84
52.91
31.50
25.07
51.39
79.99
59.37
.
33.23
27.10
95.08
.
53.00
.
62.37
.
66.95
.
69.67
25.69
353.04
382.63
384.95
431.97
.
.
.
.
98.78
51.01
41.22
25.04
103.49
108.28
133.33
55.22
46.13
27.51
57.05
49.41
29.40
73.10
29.78
.
33.05
14.43
24.10
30.28
39.53
.
.
33.69
15.05
25.88
32.54
43.26
36.06
26.78
36.83
46.73
.
39.79
16.22
36.26
37.74
49.79
.
.
.
193.11
187.75
.
47.22
31.61
59.25
65.40
56.28
53.33
.
44.69
63.09
47.62
68.82
48.46
69.29
52.99
74.07
10
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
6.
Payment and terminal transactions involving non-MFIs
Total number of transactions
(total for the period)
Total number of transactions
(millions)
2010
2,386.39
189.51
941.60
1,532.84
17,324.27
283.16
669.76
185.11
5,602.48
17,057.49
4,004.43
91.73
.
222.89
227.77
703.47
859.17
30.57
5,441.90
2,266.37
2,335.71
1,720.13
302.98
334.78
414.63
1,985.63
2,980.70
16,545.64
60,219.13
86,641.09
2011
2,502.64
214.01
979.75
1,640.28
17,738.73
313.59
682.75
186.35
5,611.56
17,538.26
4,159.58
93.70
.
238.58
275.62
927.84
852.36
31.83
5,604.45
2,363.06
2,674.51
1,791.74
320.60
339.75
452.64
2,183.36
3,102.70
17,794.86
62,521.80
90,615.07
2012
2,510.91
226.33
1,060.14
1,766.61
18,210.69
334.06
747.05
195.93
5,809.85
18,068.32
4,263.02
101.09
.
263.99
311.58
1,161.20
897.86
31.86
5,783.28
2,426.44
2,975.87
1,769.96
365.80
319.79
496.69
2,427.83
3,346.20
18,503.75
64,657.98
94,376.12
2013
2,701.80
256.58
1,095.69
1,899.74
19,933.55
338.82
767.52
198.96
5,908.91
18,086.10
502.00
4,487.12
91.86
297.74
340.09
1,415.09
911.07
38.89
6,351.88
2,490.93
3,314.45
1,840.43
378.92
314.55
596.29
2,451.69
3,604.10
19,722.01
68,014.40
100,336.78
2014
3,436.69
314.71
1,207.31
2,070.96
17,993.93
379.99
733.55
253.80
6,277.54
18,957.98
651.37
4,792.76
115.89
334.21
362.30
1,710.51
1,000.02
39.21
6,453.51
1,545.26
3,873.67
1,893.79
441.08
330.18
623.63
2,200.19
3,899.97
21,265.70
68,072.62
103,159.70
2012
10.65
13.05
25.15
5.34
0.10
3.19
2.68
11.27
5.14
3.53
3.02
2.49
7.90
.
-1.22
14.10
-5.87
9.73
11.20
7.85
3.98
0.33
5.76
8.21
7.70
2.66
6.53
9.42
3.42
4.15
Increase/decrease in the number of transactions
(annual percentage changes)
2011
7.04
21.01
31.89
-0.79
4.11
2.99
4.27
14.51
0.67
0.16
2.82
3.87
2.15
.
4.16
5.82
1.48
9.17
9.96
4.09
7.55
4.87
12.93
4.05
7.01
2.39
10.75
1.94
3.34
4.59
2013
12.78
9.15
21.86
1.47
22.05
9.83
2.66
11.38
1.55
1.71
0.10
5.26
-9.14
.
3.98
3.59
-1.64
20.05
0.98
7.71
6.58
7.60
13.36
3.35
7.54
9.46
1.43
2.74
5.19
.
2014
27.56
6.24
4.82
29.76
6.81
26.16
12.25
6.53
20.88
9.76
0.82
1.60
-37.96
16.87
2.90
16.40
4.97
4.59
-10.26
8.21
7.83
27.20
22.66
10.19
9.01
-9.73
12.15
-4.43
-0.35
2.81
ECB
Payment Statistics
October 2015
11
6.
Payment and terminal transactions involving non-MFIs (cont'd)
Total number of transactions
(total for the period)
Number per capita Number per overnight deposit
held by non-MFIs
2010 2011 2012 2013 2014
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
219.28
25.15
89.53
146.88
16.60
120.32
262.53
66.93
.
227.97
29.12
93.34
276.34
294.48
211.90
216.91
212.38
235.83
149.16
16.75
120.07
268.60
69.26
110.59
110.12
Portugal
Romania
Slovenia
Slovakia
Finland
162.69
14.96
169.71
15.91
163.40
165.50
76.36
370.22
83.85
405.20
Sweden 317.84
328.36
United Kingdom 263.64
281.19
.
227.15
30.98
100.88
243.30
35.29
104.25
308.03
43.51
114.72
315.97
338.45
367.00
222.31
242.79
218.48
252.08
256.64
288.79
162.75
166.79
158.96
17.66
18.04
23.09
124.23
126.82
135.11
275.45
274.53
286.51
.
117.91
153.89
70.65
73.99
78.83
117.01
106.57
135.94
106.27
115.88
73.54
91.02
129.81
147.92
167.55
104.28
114.98
123.70
1,386.16
1,786.37
2,184.76
2,595.07
3,063.79
85.92
85.48
90.51
92.09
101.36
73.76
76.46
327.59
335.74
271.06
281.70
60.64
69.42
75.97
345.23
287.96
77.23
91.86
378.09
293.84
86.09
91.72
382.68
180.86
100.66
168.33
18.24
448.44
351.51
290.46
176.00
18.96
450.76
375.41
307.65
182.08
22.11
155.48
152.73
160.14
91.87
110.16
115.09
402.81
402.22
329.21
Euro area total
EU total
182.56
188.24
172.98
180.50
194.13
203.79
202.32
187.54
197.34
202.49
2010 2011
143.39
150.75
-
72.02
69.83
-
-
101.61
113.49
-
-
82.94
91.87
5.29
68.19
5.47
70.58
221.89
225.44
40.17
.
.
37.61
.
.
45.15
24.02
84.19
-
46.73
32.50
80.85
-
34.85
32.00
226.03
238.90
227.95
241.98
44.96
47.45
67.66
12.18
69.60
11.61
137.48
138.61
47.34
50.83
150.05
157.58
-
124.23
138.74
-
172.17
174.39
144.34
148.81
2012 2013
151.70
160.90
-
70.29
65.58
-
146.70
-
149.55
148.38
102.87
109.69
6.01
75.34
5.96
78.59
230.43
227.47
39.72
.
.
84.06
34.70
.
52.91
35.78
83.46
-
59.14
40.67
85.84
-
31.43
37.52
254.12
270.19
250.71
240.74
50.87
54.66
76.50
5.09
85.31
9.17
130.06
128.18
53.96
62.82
174.29
169.07
-
144.10
-
-
182.62
189.06
144.67
192.45
Country’s share in the total EU
number of transactions (percentages)
2014
132.39
-
67.77
141.49
121.34
164.07
86.33
7.70
85.51
235.61
78.30
43.63
-
88.36
39.50
313.74
91.09
35.44
288.63
62.86
.
88.91
.
134.50
72.94
143.62
-
-
2010
128.72
69.50
156.62
100.00
0.21
6.47
19.69
4.62
0.11
.
0.26
0.26
0.81
0.99
0.04
6.28
2.62
2.70
1.99
0.35
0.39
0.48
2.29
3.44
19.10
2.75
0.22
1.09
1.77
20.00
0.33
0.77
0.21
6.16
19.15
4.52
0.11
.
0.28
0.33
1.23
0.95
0.03
6.13
2.57
3.15
1.88
0.39
0.34
0.53
2.57
3.55
19.61
2.66
0.24
1.12
1.87
19.30
0.35
0.79
2011
0.21
6.19
19.35
4.59
0.10
.
0.26
0.30
1.02
0.94
0.04
6.18
2.61
2.95
1.98
0.35
0.37
0.50
2.41
3.42
19.64
2.76
0.24
1.08
1.81
19.58
0.35
0.75
2012 2013 2014
69.00
68.51
67.79
65.99
100.00
100.00
100.00
100.00
0.20
5.89
18.03
0.50
4.47
0.09
0.30
0.34
1.41
0.91
0.04
6.33
2.48
3.30
1.83
0.38
0.31
0.59
2.44
3.59
19.66
2.69
0.26
1.09
1.89
19.87
0.34
0.76
0.25
6.09
18.38
0.63
4.65
0.11
0.32
0.35
1.66
0.97
0.04
6.26
1.50
3.76
1.84
0.43
0.32
0.60
2.13
3.78
20.61
3.33
0.31
1.17
2.01
17.44
0.37
0.71
12
ECB
Payment Statistics
October 2015
7.1 Number of transactions per type of payment service
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
(millions; total for the period)
2010
1,005.50
163.68
514.41
290.00
5,871.73
96.92
155.57
63.39
807.93
2,989.65
.
1,227.20
25.50
115.74
114.99
66.80
572.78
6.10
1,647.87
959.00
1,468.69
182.57
185.17
167.72
215.48
861.23
768.00
3,396.30
16,253.23
23,939.92
Credit transfers
2011
1,026.64
177.33
539.67
294.84
6,072.48
97.33
152.33
69.06
812.34
2,977.54
.
1,261.72
26.26
119.26
153.57
68.90
545.22
6.90
1,647.91
1,002.00
1,625.13
201.99
179.18
167.37
226.74
1,009.32
831.00
3,601.50
16,826.81
24,893.51
2012
946.77
186.71
589.89
300.29
6,151.03
102.10
152.71
85.70
848.34
3,097.20
.
1,261.27
31.15
130.29
167.41
67.46
551.86
7.02
1,623.70
996.00
1,736.93
205.74
193.82
150.69
247.03
1,190.98
859.00
3,693.10
17,164.89
25,574.18
2013
1,022.80
205.45
553.23
316.76
6,272.42
107.22
153.72
91.19
885.61
3,250.23
280.31
1,261.07
28.65
139.74
170.47
68.68
523.95
8.01
2,013.66
981.00
1,842.58
268.12
177.44
143.37
294.97
1,157.11
894.00
3,871.10
18,007.82
26,982.86
2014
1,366.39
192.50
571.35
345.78
5,923.57
131.25
167.61
141.09
908.05
3,416.95
289.92
1,347.21
21.57
138.52
176.56
57.76
546.39
8.59
2,043.23
527.57
1,977.31
272.81
201.13
151.02
320.23
866.50
957.00
3,939.70
17,809.92
27,007.54
2010
246.02
5.18
147.64
188.10
8,687.26
18.88
108.00
17.04
2,364.86
3,411.19
.
593.17
7.90
4.20
13.95
15.72
65.03
1.21
1,310.15
843.00
22.59
236.94
1.67
50.00
69.59
84.00
272.00
3,229.34
18,046.05
22,014.61
2011
264.55
8.54
145.81
194.28
8,648.30
18.87
107.01
18.53
2,286.63
3,533.32
.
600.70
7.70
4.22
14.80
16.72
63.66
1.33
1,340.38
871.00
23.28
243.04
3.87
51.43
73.19
81.85
289.00
3,322.36
18,164.54
22,234.36
Direct debits
2012
285.64
6.94
140.96
211.24
8,809.46
19.50
109.09
16.34
2,437.18
3,543.38
.
602.27
7.13
4.28
13.18
15.46
64.39
1.40
1,368.65
893.00
23.25
252.37
7.06
41.54
79.00
80.90
297.00
3,416.65
18,562.31
22,747.24
2013
313.10
5.60
147.62
215.94
9,931.66
5.04
108.57
14.30
2,431.11
3,107.73
18.19
624.34
5.87
4.44
13.80
15.39
64.42
2.40
1,329.71
902.00
23.11
220.32
7.88
39.03
84.64
71.77
312.00
3,524.91
19,206.98
23,544.86
2014
529.45
5.55
141.92
207.09
8,666.86
2.24
89.06
12.12
2,091.84
3,541.46
20.00
608.08
38.24
4.40
14.09
14.91
65.88
1.46
1,163.43
451.69
23.59
217.81
9.38
38.92
29.89
2.55
323.00
3,672.00
17,504.41
21,986.90
ECB
Payment Statistics
October 2015
13
7.1 Number of transactions per type of payment service (cont'd)
(millions; total for the period)
Cheques E-money payment transactions with
e-money issued by resident PSPs
2010 2011 2012 2013 2014
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
7.20
0.67
7.10
48.27
0.00
90.90
0.02
0.19
0.19
0.00
10.27
-
2.00
0.19
-
Portugal
Romania
Slovenia
Slovakia
Finland
127.53
10.86
0.21
0.05
0.40
Sweden 0.40
United Kingdom 1,113.00
106.66
7.16
0.14
0.05
0.38
0.40
970.00
6.50
-
0.66
5.59
40.61
0.00
84.21
5.44
0.63
4.22
34.41
0.00
75.75
-
4.28
0.60
2.89
31.20
0.00
68.84
-
22.60
103.49
19.43
94.65
15.47
83.80
11.10
76.13
9.15
76.63
3,122.80
2,971.44
2,805.62
2,620.57
2,482.82
.
315.43
291.62
22.56
20.08
.
0.02
0.17
0.20
0.00
9.75
-
2.00
0.11
275.69
252.41
231.51
20.34
0.01
0.14
0.33
0.00
7.59
1.78
0.11
88.69
6.83
0.10
0.05
0.33
-
.
0.16
15.05
0.01
0.12
0.29
0.00
9.44
0.19
1.61
0.10
83.29
5.85
0.09
0.04
0.28
0.14
14.85
0.01
0.10
0.28
0.00
9.69
0.19
0.94
0.11
73.67
1.99
0.06
0.00
0.21
0.20
0.10
0.02
848.00
718.00
644.00
2.85
0.04
0.54
2.12
29.66
-
40.27
2010
60.62
65.40
38.94
-
2.56
0.30
41.09
118.27
151.89
0.00
0.70
1.07
0.00
555.75
770.67
-
-
178.29
171.72
-
26.61
-
2.11
0.02
-
-
-
-
-
-
-
-
.
2011
50.51
0.01
23.95
35.92
-
3.95
0.15
46.50
1.11
0.00
26.15
2.17
0.05
.
-
-
-
-
-
-
-
-
2012
46.20
0.01
7.48
33.60
-
4.51
0.12
52.25
6.95
0.02
0.07
-
-
-
-
-
-
2013
29.36
0.11
8.55
31.77
-
30.83
-
-
4.41
-
50.53
.
0.52
191.24
243.98
0.98
1.19
-
148.04
122.10
.
28.04
-
27.08
-
-
0.14
0.07
-
-
-
2014
28.54
0.78
8.81
-
38.43
0.82
3.11
0.00
52.91
42.22
0.25
0.09
-
1.46
-
1.92
-
0.07
-
995.28
1,241.35
1,535.92
0.02
77.95
-
-
-
.
.
.
.
2010
0.54
39.02
101.11
4.40
291.38
247.94
1.32
0.00
.
0.50
0.01
0.00
-
-
0.00
-
0.16
-
0.22
-
-
0.00
-
11.89
-
-
-
14.30
-
-
-
Euro area total 3,873.91
3,647.71
3,415.39
3,174.80
2,972.79
1,024.56
1,260.38
1,507.28
1,782.84
2,077.31
403.57
EU total 5,006.33
4,631.80
4,275.52
3,902.63
3,621.84
1,091.02
1,285.46
1,516.22
1,793.94
2,091.42
415.69
Other payment services
2011 2012 2013 2014
0.12
-
0.44
0.00
-
-
-
0.74
-
-
0.00
-
-
-
0.72
-
-
0.00
-
0.00
-
0.42
31.53
98.45
0.34
24.70
94.89
0.28
0.28
19.76
440.83
92.74
25.93
.
.
0.31
-
286.77
303.58
292.11
280.51
0.00
0.00
0.00
0.00
11.94
-
-
-
15.59
-
-
-
11.32
18.88
-
-
-
-
-
-
10.89
0.00
21.65
-
-
-
-
-
0.00
-
0.00
28.34
0.00
.
2.07
-
0.41
0.01
0.00
-
-
0.00
-
0.33
0.02
0.00
-
-
0.00
-
13.48
0.08
0.00
-
-
0.00
-
13.28
0.00
0.00
0.32
.
0.00
-
1.22
50.60
0.99
0.00
-
0.00
1.27
433.28
442.71
440.02
765.74
445.67
454.78
452.01
845.67
14
ECB
Payment Statistics
October 2015
7.1 Number of transactions per type of payment service (cont'd)
Card payments with cards issued by resident PSPs (except cards with an e-money function only)
(millions; total for the period)
Total card payments With cards with a debit function With cards with a delayed debit function
2010 2011 2012 2013 2014 2010 2011 2012 2013 2014 2010
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
1,066.89
20.65
1,154.32
28.12
213.27
269.23
1,226.88
32.68
320.45
1,332.25
45.42
384.97
1,508.24
65.24
483.70
945.90
12.96
191.11
1,020.57
18.61
238.47
1,087.60
23.86
279.12
1,168.56
34.90
332.53
1,349.52
46.63
415.97
1,047.61
1,145.57
1,250.87
1,364.15
1,515.97
1,008.80
1,097.90
1,203.31
1,318.19
1,466.52
2,286.90
2,386.27
2,415.72
2,496.30
2,760.20
997.12
1,062.30
1,096.29
1,174.66
1,387.40
7,391.64
7,911.01
8,474.98
8,964.30
9,437.92
1,502.41
35.78
101.86
113.97
98.65
65.01
.
1,566.87
38.96
107.08
71.36
209.46
231.54
12.99
13.84
.
1,628.98
41.50
127.96
.
202.52
1,813.21
41.10
151.63
217.63
2,034.00
39.89
191.00
130.85
155.70
171.55
82.67
89.38
101.65
270.29
311.81
359.39
15.80
19.01
19.26
914.76
17.98
78.93
88.52
36.16
-
.
981.12
19.95
92.24
95.39
37.83
184.16
204.37
8.07
8.88
-
.
1,091.52
22.19
-
105.90
.
115.32
1,225.77
23.18
-
126.82
118.05
140.32
44.17
47.66
236.39
268.53
10.30
13.24
4,924.17
125.13
1,390.06
22.71
156.96
154.47
51.91
302.30
13.03
2,305.59
2,444.44
2,642.89
2,886.22
3,168.70
2,206.41
2,333.92
2,530.66
2,765.04
3,037.49
421.46
446.32
488.75
557.59
559.10
341.79
360.85
394.79
453.70
.
844.23
1,025.99
1,215.59
1,448.66
1,872.67
656.65
826.67
1,001.54
1,203.58
1,598.57
1,170.47
1,237.47
1,215.88
1,224.40
1,274.00
-
Romania
Slovenia
Slovakia
Finland
105.27
116.84
130.38
120.81
129.49
152.61
158.08
127.44
187.67
131.93
228.37
139.93
170.54
216.57
273.14
87.15
74.93
107.44
79.67
116.98
139.58
130.33
85.37
155.71
90.12
156.59
199.11
189.44
96.68
248.00
1,040.00
1,091.82
1,155.62
1,222.53
1,330.68
953.00
994.96
1,053.23
1,110.98
1,189.92
Sweden 1,940.30
1,982.30
2,190.00
2,398.00
2,619.94
1,421.20
1,477.50
1,648.00
1,819.00
1,989.12
United Kingdom 8,807.00
9,901.00 10,546.00 11,608.00 13,010.00
6,604.00
7,612.00
8,155.00
9,040.00 10,227.00
-
-
0.25
-
2,678.08
2,941.42
3,182.20
3,666.50
3,335.41
2,196.27
2,399.67
2,579.08
2,952.13
2,574.86
447.89
167.36
197.39
212.45
226.56
246.95
149.91
179.14
193.49
206.64
222.92
-
315.29
339.20
409.50
436.40
434.53
207.79
237.60
309.20
340.90
355.15
-
78.99
74.97
73.99
77.69
88.05
10.85
12.83
17.67
23.47
23.93
1.79
0.46
38.93
0.19
46.20
-
170.00
0.50
-
-
-
43.51
-
12.36
-
-
0.82
4.83
-
-
.
Euro area total 20,617.82 22,189.07 23,565.78 25,401.93 26,942.63
9,028.01
9,868.86 10,672.16 11,795.15 17,475.77
533.13
EU total 34,173.50 37,124.25 39,808.55 43,660.46 47,487.08 19,511.41 21,639.44 23,573.66 26,350.03 33,990.91
767.72
2011 2012 2013 2014
0.50
-
-
-
47.26
-
11.89
-
0.92
7.11
-
-
-
.
0.24
-
-
-
0.25
-
-
-
0.27
-
-
-
-
0.73
0.31
-
501.22
559.72
648.39
668.74
-
-
1.63
1.48
1.43
11.52
0.96
10.66
0.46
53.80
11.81
-
-
-
-
-
-
-
-
.
67.19
0.76
13.92
1.13
-
-
-
59.92
-
10.59
-
-
-
- 1,357.08
65.35
0.00
18.30
-
1.51
0.00
-
-
72.93
-
10.99
-
0.51
38.07
0.17
-
0.46
38.83
0.14
-
0.40
38.31
0.14
-
0.17
39.35
0.48
15.36
41.90
43.00
43.00
44.66
166.00
167.00
164.00
159.00
589.26
654.94
748.94 2,183.76
817.41
888.57
1,049.44 2,466.47
ECB
Payment Statistics
October 2015
15
7.1 Number of transactions per type of payment service (cont'd)
Card payments with cards issued by resident PSPs (except cards with an e-money function only)
(millions; total for the period)
With cards with a
credit function
With cards with a debit and/or
delayed debit function
With cards with a credit and/or
delayed debit function
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
7.69
21.91
38.80
33.92
17.46
-
9.51
30.52
47.67
40.53
18.25
107.50
101.60
66.35
16.86
18.10
10.13
28.85
24.81
4.92
36.16
-
-
-
-
.
60.52
17.96
14.63
11.70
33.53
26.67
4.96
38.21
-
-
-
-
175.23
187.43
.
8.82
41.08
47.56
43.40
18.94
100.30
54.84
18.20
11.40
12.80
38.50
33.44
5.50
40.15
-
-
-
-
-
.
10.53
52.17
45.96
65.97
19.92
95.50
52.80
11.48
16.94
10.90
15.38
41.72
42.15
5.77
43.97
-
-
-
-
-
52.60
85.40
4.05
17.17
-
-
15.75
17.08
49.73
55.58
6.23
-
55.10
202.24
234.41
263.11
Portugal
Romania
Slovenia
Slovakia
Finland
17.67
2.99
12.32
-
-
22.43
-
3.07
12.86
-
27.29
3.23
13.81
-
-
31.56
3.51
17.32
-
-
38.76
3.90
24.66
49.87
-
Sweden 139.40
115.20
123.00
132.00
144.52
United Kingdom 1,857.00
1,926.00
2,023.00
2,194.00
2,402.00
2.18
17.88
67.43
49.44
91.81
23.40
72.96
Euro area total
EU total
2010 2011 2012 2013 2014 2010
-
-
-
-
-
-
-
-
0.11
-
.
-
-
-
-
-
-
-
-
-
-
2011
0.13
-
-
-
-
-
-
-
-
-
-
-
-
.
-
-
-
-
-
-
-
2012
0.15
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
.
2013
-
-
-
-
-
-
-
0.87
-
0.22
-
-
-
-
-
-
-
-
2014
3.85
0.00
0.94
0.00
0.00
-
-
-
-
-
-
-
-
-
-
-
-
-
2010
120.99
99.18
-
-
2011 2012 2013 2014
133.74
139.28
163.69
152.69
0.01
-
-
-
-
-
-
-
-
-
-
-
-
-
-
309.87
331.48
336.88
363.41
550.75
963.45
1,004.31
978.35
1,144.98
3,667.31
2,363.43
2,462.40
2,432.31
2,373.86 3,057.99
2,638.06
2,723.23
2,867.51
3,143.94
3,610.58
1,100.25
1,155.81
1,140.35
1,313.86
3,848.66
2,736.13
2,855.70
2,847.31
2,827.52 3,549.89
-
-
-
-
-
-
0.00
1,261.48
1,302.22
1,303.27
1,310.35 1,372.80
2,455.47
-
-
-
-
-
-
-
0.00
615.80
587.66
0.00
-
-
-
-
-
-
-
963.34
1,004.18
978.20
1,144.76
1,208.00
207.13
0.00
-
-
-
-
-
-
-
-
-
-
-
-
-
0.00
-
87.00
-
-
136.80
151.50
-
162.00
168.00
-
180.40
196.70
176.00
-
-
-
-
.
-
-
.
-
-
-
-
-
-
-
.
7.66
-
-
-
-
-
-
-
8.64
585.76
537.46
587.45
643.96
0.00
-
-
-
-
-
0.00
0.00
110.53
112.24
121.19
131.21
233.29
237.68
-
96.86
-
-
-
102.38
79.63
111.56
-
-
-
0.00
66.00
0.00
0.00
75.52
-
196.30
214.00
236.00
261.25
197.00
201.00
210.00
222.00
-
-
-
-
0.00
-
-
16
ECB
Payment Statistics
October 2015
7.2 Relative importance of payment services
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
(as a percentage of the total number of transactions)
Credit transfers
2010
34.24
14.42
17.53
30.65
27.79
.
51.93
50.49
9.50
66.67
19.96
30.28
42.31
62.88
10.61
61.12
50.10
51.97
43.37
25.77
20.53
42.13
86.37
54.63
18.92
33.89
34.23
23.23
26.99
27.63
2011
37.06
14.48
16.98
30.33
28.02
.
49.99
55.72
7.43
63.97
21.67
29.40
42.40
60.76
11.27
55.89
49.26
50.09
46.23
26.78
20.24
41.02
82.86
55.08
17.98
34.23
31.04
22.31
26.91
27.47
2012
43.74
14.60
17.14
29.59
30.81
.
49.35
53.73
5.81
61.46
22.04
28.08
41.05
58.37
11.62
52.99
47.12
49.74
49.06
25.67
19.96
37.71
82.49
55.64
17.00
33.78
30.56
20.44
26.55
27.10
2013
45.83
14.99
17.97
55.84
28.10
31.19
46.93
50.13
4.85
57.51
20.58
31.70
39.38
55.59
14.57
46.83
45.58
49.47
47.20
24.81
19.63
37.86
80.07
50.49
16.67
31.47
31.64
20.03
26.48
26.89
2010
9.20
42.21
20.00
14.81
8.61
.
1.89
6.12
2.23
7.57
3.97
24.08
37.20
0.97
13.77
0.55
14.94
16.78
4.23
9.13
19.52
10.31
2.73
15.68
12.27
50.15
6.67
16.13
29.97
25.41
2014
55.59
14.47
18.02
44.51
28.11
18.61
41.45
48.73
3.38
54.64
21.92
31.66
34.14
51.04
14.41
45.60
45.74
51.35
39.38
24.54
18.53
39.76
61.17
47.32
16.70
32.92
34.54
22.85
26.16
26.18
2011
9.95
40.75
20.15
14.44
8.22
.
1.77
5.37
1.80
7.47
4.18
23.92
36.86
0.87
13.56
1.21
15.14
16.17
3.75
9.31
18.67
10.57
3.99
14.88
11.84
48.75
6.02
15.67
29.05
24.54
Direct debits
2012
8.34
41.95
19.61
14.13
7.06
.
1.62
4.23
1.33
7.17
4.40
23.67
36.80
0.78
14.26
1.93
12.99
15.91
3.33
8.88
18.46
11.38
3.06
13.30
11.96
48.38
5.84
14.60
28.71
24.10
2013
7.19
41.14
17.18
3.62
13.91
6.39
1.49
4.06
1.09
7.07
6.16
20.93
36.21
0.70
11.97
2.08
12.41
14.19
2.93
8.66
17.87
11.59
2.18
13.47
11.37
49.82
1.49
14.15
28.24
23.47
2010
42.67
40.82
43.33
37.52
39.00
.
45.70
43.31
9.24
24.38
42.48
42.37
18.60
36.14
68.05
34.75
34.90
31.23
52.38
65.10
53.23
44.71
10.90
22.65
68.34
15.46
59.10
47.08
34.24
39.44
2011
40.23
42.52
45.11
37.67
41.58
.
47.77
38.85
7.69
27.16
43.47
43.62
18.89
38.36
69.07
40.67
35.56
33.72
50.01
63.89
55.64
46.12
13.14
27.48
69.84
16.58
62.94
49.68
35.49
40.97
2014
4.78
33.32
18.68
3.07
12.69
33.00
1.32
3.89
0.87
6.59
3.72
18.03
29.23
0.61
11.50
2.13
11.79
4.79
0.12
8.28
17.27
15.41
1.76
11.76
10.00
48.17
0.59
12.14
25.71
21.31
Card payments with cards isssued by resident PSPs
(except cards with an e-money function only)
2012
37.76
41.58
46.91
38.21
41.05
.
48.47
42.00
7.12
30.10
49.59
45.70
20.14
40.85
68.70
43.22
39.85
34.34
47.60
65.45
56.99
48.86
14.44
30.23
70.81
17.47
63.59
54.82
36.45
42.18
2013
39.05
42.25
49.56
40.34
40.41
44.74
50.93
45.78
6.32
34.23
48.88
45.44
22.38
43.71
66.53
49.53
41.94
36.32
49.86
66.54
58.86
49.31
17.70
35.13
71.81
18.39
66.87
56.86
37.35
43.51
2014
34.69
43.97
49.78
33.41
42.44
34.42
57.15
47.35
5.94
35.94
49.12
49.10
36.18
48.34
67.27
51.77
42.38
43.80
60.48
67.18
61.18
43.89
20.73
40.06
73.20
18.54
64.99
59.24
39.58
46.03
ECB
Payment Statistics
October 2015
17
7.2 Relative importance of payment services (cont'd)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
(as a percentage of the total number of transactions)
Cheques
2010
12.21
1.85
18.31
7.88
24.59
.
0.01
0.08
0.03
0.00
33.59
-
0.09
0.01
7.41
3.58
0.06
0.01
0.02
0.01
6.73
0.30
-
0.07
0.46
0.28
0.00
13.57
6.43
5.78
2011
10.43
1.69
16.94
7.01
21.44
.
0.01
0.06
0.02
0.00
30.62
-
0.08
0.00
5.95
2.23
0.04
0.01
0.02
0.01
5.45
0.26
-
0.07
0.34
0.23
0.00
12.33
5.83
5.11
2012
7.89
1.44
15.53
6.47
20.12
.
0.00
0.04
0.03
0.00
23.83
-
0.07
0.00
5.01
1.87
0.03
0.01
0.01
0.01
4.58
0.22
-
0.06
0.24
0.19
0.00
10.14
5.28
4.53
2013
5.58
1.29
14.49
0.03
5.63
16.38
0.00
0.03
0.02
0.00
24.27
0.00
0.06
0.00
4.53
1.54
0.03
0.01
0.01
0.00
3.64
0.16
-
0.05
0.15
0.16
0.00
8.97
4.67
3.89
2014
3.61
1.22
13.10
0.02
4.83
12.81
0.00
0.03
0.02
0.00
24.72
0.00
0.06
0.00
3.89
0.45
0.02
0.00
0.01
0.00
3.03
0.08
0.01
0.05
0.10
0.16
-
5.49
4.37
3.51
2011
0.47
0.00
83.06
-
3.06
-
1.11
-
2.12
0.00
0.27
3.65
0.74
.
0.12
-
0.01
-
-
-
-
2.02
0.01
2.44
0.20
-
-
-
2.02
1.42
E-money payment transactions with
e-money issued by resident PSPs
2010
0.48
0.00
79.00
-
3.28
-
1.17
-
1.38
0.01
0.24
2.95
0.00
.
0.12
-
0.00
-
-
-
-
2.54
-
6.95
0.22
-
-
-
1.70
1.26
2012
0.55
-
85.71
-
2.56
-
1.16
-
2.30
0.00
0.29
4.49
0.97
.
0.39
-
0.01
0.01
-
-
-
1.84
0.00
0.71
0.18
-
-
-
2.33
1.61
2013
0.64
-
87.72
-
0.10
1.92
1.09
-
2.22
-
0.28
0.10
5.44
1.30
1.67
-
0.04
0.01
-
-
-
1.09
0.04
0.78
-
0.16
-
-
2.62
1.79
2014
0.02
-
89.79
0.00
0.47
1.21
0.25
-
1.22
0.00
0.28
0.67
6.08
1.14
2.23
0.02
0.08
0.01
0.01
-
-
0.83
0.25
0.73
0.21
-
-
0.11
3.05
2.03
2010
-
1.38
-
-
0.63
-
-
-
0.29
0.70
0.59
6.19
0.00
.
0.03
0.00
0.00
-
-
0.00
-
0.01
-
0.02
-
-
0.00
-
0.67
0.48
Other payment services
2011
1.40
-
-
-
0.66
-
-
-
0.22
0.56
0.56
6.89
0.00
.
0.02
0.00
0.00
-
-
0.00
-
0.00
-
0.04
0.00
-
-
-
0.69
0.49
2012
1.26
-
-
-
0.78
-
-
-
0.17
0.43
0.53
7.12
0.00
.
0.02
0.00
0.00
-
-
0.00
-
0.07
-
-
0.00
-
-
-
0.68
0.48
2013
1.20
-
-
-
0.00
-
0.87
-
0.14
0.33
0.51
0.06
6.51
0.00
0.73
0.02
0.00
-
-
0.00
-
0.07
-
-
0.00
-
0.00
-
0.65
0.45
2014
0.00
-
0.00
2.83
0.06
0.00
0.13
-
0.11
7.02
0.14
5.85
0.00
-
0.70
0.00
0.00
0.05
0.00
0.00
-
0.04
16.08
0.08
0.00
-
0.00
0.17
1.12
0.82
18
ECB
Payment Statistics
October 2015
7.3 Increase/decrease in the number of transactions
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
(annual percentage changes)
2011
8.94
0.55
-0.41
2.81
2.98
.
3.04
33.55
3.15
-4.81
13.01
0.00
4.48
10.65
10.64
-3.23
-0.21
5.23
17.19
8.20
6.04
2.10
8.35
4.91
1.67
3.42
0.42
-2.08
2.92
3.98
Credit transfers
2012
24.10
4.43
4.02
-0.04
18.63
.
9.25
9.01
-2.09
1.22
1.84
-1.47
-0.60
6.88
1.86
8.17
-9.97
8.95
18.00
3.37
2.54
-7.78
5.28
9.30
1.85
1.29
4.90
0.25
2.01
2.73
2013
6.40
4.39
4.94
-0.02
-8.02
.
7.26
1.83
1.82
-5.06
13.97
24.02
-1.51
6.08
30.32
-8.46
-4.86
19.41
-2.84
4.07
4.82
8.03
10.04
-6.21
5.49
1.97
5.01
0.66
4.91
.
2014
54.73
2.53
5.13
3.43
6.83
-24.71
-0.88
3.57
-15.91
4.28
7.36
1.47
-46.22
7.31
1.75
13.35
5.34
8.56
-25.11
7.05
1.77
33.59
-6.30
3.27
9.16
-5.56
22.42
9.04
-1.86
0.09
2011
2.57
131.66
2.86
5.17
-2.56
6.25
2.88
8.78
-3.31
3.58
1.27
-2.51
.
0.50
6.10
6.32
-2.11
9.72
2.31
3.32
3.05
7.53
65.05
-1.24
3.29
-0.45
-0.03
-0.92
0.55
1.00
Direct debits
2012
7.97
-18.80
-3.33
8.73
1.86
3.33
1.94
-11.85
6.58
0.28
0.26
-7.36
.
1.35
-10.94
-7.49
1.15
5.33
2.11
2.53
-0.13
3.84
82.25
-19.22
7.94
-1.15
2.77
2.84
2.19
2.31
2013
9.61
-19.33
4.73
2.23
12.74
-74.17
-0.47
-12.46
-0.25
-12.29
3.66
-17.73
.
3.64
4.71
-0.46
0.03
70.85
-2.84
1.01
-0.62
-12.70
11.67
-6.05
7.14
-11.29
5.05
3.17
3.47
.
Card payments with cards issued by resident PSPs
(except cards with an e-money function only)
2011
11.89
8.55
9.76
10.54
6.53
6.02
5.90
21.53
-5.09
4.35
7.03
4.29
8.90
.
5.72
23.85
3.39
17.85
4.98
2.16
12.42
8.20
36.15
26.24
9.35
9.83
17.94
7.58
6.75
8.63
2014
69.10
-0.75
-3.86
-4.10
-12.74
-55.53
-17.97
-15.24
-13.96
13.96
9.96
-2.60
551.67
-0.79
2.10
-3.14
2.28
-39.13
-12.51
-49.92
2.08
-1.14
19.05
-0.29
-64.69
-96.45
3.53
4.17
-8.89
-6.62
2012
12.28
22.20
15.85
16.73
14.22
8.12
9.51
18.48
-1.31
1.23
7.13
3.96
6.52
.
-1.74
21.25
5.49
11.75
5.84
10.48
6.51
6.29
16.23
19.02
9.19
8.19
7.63
20.73
6.20
7.23
2013
5.00
3.34
5.77
11.31
-0.96
.
18.50
18.99
8.11
15.36
20.29
9.21
14.09
19.17
0.70
18.72
3.53
26.99
5.79
9.50
10.07
8.59
38.97
20.13
9.06
15.22
6.64
6.57
7.79
.
2014
13.33
10.57
5.28
7.46
12.18
-2.95
25.96
10.18
13.73
15.26
1.30
9.79
0.27
29.27
4.05
21.68
6.06
26.12
8.85
9.26
12.08
13.21
43.64
25.65
11.13
-9.03
9.00
-0.43
5.44
8.76
ECB
Payment Statistics
October 2015
19
7.3 Increase/decrease in the number of transactions (cont'd)
(annual percentage changes)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2011
-9.81
-
-1.94
-21.32
-15.87
0.00
-7.36
-14.03
-8.54
-4.85
-7.55
-10.98
.
-6.25
-10.70
4.42
-
-5.10
-
0.00
-43.46
-16.37
-34.05
-32.39
0.00
-5.50
0.00
-12.85
-5.84
-7.48
Cheques
2012
-16.35
-
-3.35
-24.49
-15.27
200.00
-10.04
-20.39
-11.46
-5.58
-5.46
1.26
.
-20.00
-17.37
68.55
-
-22.08
-
-11.00
-2.78
-16.84
-4.68
-27.78
0.00
-12.70
-50.00
-12.58
-6.37
-7.69
2013
-21.21
-
-5.05
-31.48
-9.33
33.33
-9.13
-28.26
-9.14
-6.60
-8.44
-26.02
.
-25.00
-15.22
-12.50
-
24.30
-
-9.55
-7.62
-6.09
-14.23
-16.35
-20.00
-15.15
-50.00
-15.33
.
.
2014
-33.40
-
-9.63
-26.64
-4.93
-
-41.50
-17.53
0.65
-5.26
-12.66
-8.28
-1.31
-22.22
-18.80
-3.47
-
2.68
3.24
-41.74
9.28
-11.55
-66.02
-29.89
-
-23.93
-78.00
-10.31
.
.
E-money payment transactions with
e-money issued by resident PSPs
2011
-16.67
-
-63.38
-
-7.76
-
-
54.54
-50.51
13.16
28.43
-
.
4.12
-
38.67
-
-
-3.69
-1.72
-
2.79
-
-
150.00
-
-
-
23.02
.
2012
-8.54
-53.85
-68.76
-
-6.46
-
-
14.10
-21.09
12.36
25.90
40.11
.
30.73
-
29.15
-
-13.79
-
7.23
-
219.89
-
40.00
-
-
-
-
.
.
2013
-36.44
1,750.00
14.30
-
-5.45
-
-
-2.13
-
-3.30
27.58
21.88
.
31.75
-
24.72
-
-
-17.52
-3.42
-
343.65
-
621.05
0.00
-
-
-
.
.
2014
-2.80
606.31
2.98
20.97
-
-
-
-29.59
-
4.71
753.59
19.43
10.74
-96.19
-
23.73
-
360.00
-36.16
-85.67
-
36.95
-
85.40
28.57
-
-
-
.
.
2011
-22.64
-
103.26
0.00
-
-
-
-22.96
-19.20
-2.64
15.66
-
.
0.43
-
-
-
8.99
-
-
-
-17.64
-9.09
-
-
-
-
-
7.36
7.21
Other payment services
2012
68.42
-
-
-
-
-25.00
-
-19.23
-21.67
-3.61
5.86
-
.
-
-5.19
-
-
21.10
-
-
-
-19.22
60.00
-
-
-
-
-
.
.
2013
-
-
-2.72
-66.67
-
-
-
3,959.94
406.25
.
.
-
-
-
-
-
2014
38.83
-
-
-
-
-
-
-1.46
-
-
-
-
-
-
.
.
20
ECB
Payment Statistics
October 2015
7.4 Number of transactions per capita
(total for the period)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
Credit transfers
2010 2011
92.39
21.72
48.91
52.28
71.82
72.69
34.12
5.68
17.35
46.01
20.51
30.74
.
6.21
17.38
45.60
21.01
30.86
.
55.19
37.13
57.93
50.71
131.62
132.65
57.28
54.68
14.72
99.20
16.57
98.72
114.70
119.45
38.13
42.18
17.27
9.15
81.86
39.68
19.13
8.89
81.53
42.00
160.58
187.32
81.89
54.12
87.94
56.91
93.52
24.13
51.41
52.93
74.25
73.20
33.28
49.27
47.80
50.66
49.59
2012 2013 2014
85.65
25.56
56.13
53.71
75.09
77.05
33.27
92.10
28.26
52.64
56.43
76.40
81.21
33.40
122.47
26.61
54.29
61.28
71.92
99.75
36.32
7.73
18.14
47.22
20.90
36.05
.
8.27
19.01
49.33
65.84
20.79
33.24
12.83
19.54
51.64
68.49
22.16
25.30
64.06
56.03
69.43
57.64
69.44
60.28
126.92
125.95
103.45
55.63
52.96
55.38
16.75
96.93
18.91
20.11
119.86
121.16
118.20
115.72
45.08
47.86
61.75
51.38
19.57
9.66
73.26
45.69
25.64
8.88
69.61
54.49
26.23
10.08
73.25
59.10
219.98
212.74
158.64
90.24
57.97
93.12
60.39
98.70
60.99
51.54
50.82
53.96
53.07
52.93
53.01
2010 2011
22.61
0.69
14.04
24.10
1.16
13.89
33.91
34.88
106.26
105.75
14.16
14.19
23.69
23.38
1.53
50.79
52.50
9.91
9.52
.
1.67
48.93
54.11
10.00
9.05
.
2.00
4.50
30.98
6.50
2.05
4.89
32.18
6.38
2.93
78.87
3.20
80.30
100.82
103.83
0.59
0.60
22.41
0.08
24.41
12.82
15.66
29.00
51.46
23.02
0.19
25.05
13.56
15.19
30.58
52.50
54.71
43.95
54.69
44.29
Direct debits
2012 2013
25.84
0.95
13.41
28.19
0.77
14.05
37.78
38.47
107.54
120.97
14.71
3.82
23.76
23.59
1.47
52.11
54.02
9.98
8.26
.
1.30
52.18
47.17
4.27
10.29
6.81
2.10
4.41
29.09
6.49
2.20
4.67
28.23
6.51
3.34
81.70
5.66
79.15
105.98
106.40
0.60
0.60
24.00
0.35
20.20
14.61
14.94
31.20
53.63
21.07
0.39
18.95
15.64
13.20
32.50
54.99
55.73
45.20
57.55
46.31
Card payments with cards isssued by resident PSPs
(except cards with an e-money function only)
2010
98.03
2.74
20.28
188.86
32.76
125.52
69.15
7.08
49.11
113.76
25.11
43.13
.
48.57
31.85
128.10
20.95
31.33
138.79
50.41
21.92
110.70
5.20
57.03
23.85
193.91
206.90
140.33
62.50
68.23
2014
47.45
0.77
13.49
36.70
105.23
1.70
19.30
1.10
45.02
53.52
4.72
10.00
44.86
2.21
4.81
26.70
6.68
3.41
68.99
52.87
0.61
20.94
0.47
18.88
5.52
0.47
33.31
56.85
52.03
43.16
2011 2012 2013 2014
105.15
110.99
119.97
135.18
3.83
4.47
6.25
9.02
25.65
30.49
36.63
45.96
205.67
223.73
243.03
268.65
35.97
38.85
44.66
40.50
148.44
160.31
171.61
187.68
74.11
89.21
94.83
94.16
6.74
51.06
6.67
51.66
7.05
53.58
8.01
59.40
121.16
129.20
136.07
142.63
26.09
45.79
.
27.00
48.03
.
47.57
29.90
47.68
51.41
33.46
46.79
55.36
35.36
62.92
43.80
75.33
52.64
95.75
58.57
137.39
155.55
163.90
182.06
23.22
27.25
31.52
36.43
33.24
37.67
44.90
45.05
146.44
157.77
171.80
187.90
53.21
26.63
58.00
31.55
65.77
37.63
65.44
48.66
117.21
115.64
117.09
122.49
6.47
7.88
9.39
11.45
58.85
28.27
61.96
31.55
64.06
40.01
67.87
50.41
202.63
213.45
224.77
243.62
209.78
230.06
249.78
270.21
156.45
165.54
181.08
201.41
66.81
73.95
70.75
79.11
76.11
85.87
80.08
93.21
ECB
Payment Statistics
October 2015
21
7.4 Number of transactions per capita (cont'd)
(total for the period)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2010
2.03
2.22
48.06
5.27
27.20
.
0.01
0.06
0.37
0.00
24.78
-
0.24
0.00
12.06
0.54
0.10
0.01
0.07
0.04
17.73
0.66
-
0.06
1.28
0.59
0.00
19.94
11.74
9.99
2011
1.75
2.03
45.51
4.86
23.60
.
0.01
0.06
0.38
0.00
23.41
-
0.24
0.00
10.10
0.36
0.07
0.01
0.07
0.04
15.33
0.59
-
0.06
1.00
0.50
0.00
18.40
10.98
9.23
Cheques
2012
1.39
1.79
42.77
4.57
23.54
.
0.01
0.05
0.63
0.00
18.10
-
0.21
0.00
8.43
0.34
0.05
0.01
0.06
0.02
13.31
0.49
-
0.06
0.75
0.42
0.00
16.50
10.25
8.50
2013
1.01
1.63
39.78
0.04
4.16
17.46
0.00
0.04
0.54
0.00
22.29
0.01
0.19
0.00
7.96
0.29
0.04
0.01
0.05
0.01
11.20
0.39
-
0.06
0.51
0.38
0.00
14.96
9.51
7.68
E-money payment transactions with
e-money issued by resident PSPs
2014 2010 2011 2012 2013 2014
7.08
0.10
0.03
0.00
0.04
0.00
9.97
0.26
0.00
0.05
0.38
0.36
-
8.73
5.57
-
6.22
0.48
-
-
-
4.60
0.00
2.28
0.44
-
-
-
4.18
0.00
0.71
0.41
-
-
-
2.64
0.02
0.81
-
0.39
-
-
0.83
1.65
37.52
0.03
3.81
17.42
0.23
0.01
0.63
1.98
0.00
.
0.36
0.00
0.71
2.53
0.82
.
0.41
0.00
0.80
3.17
1.13
.
0.40
-
0.77
0.12
4.02
1.38
0.00
0.03
0.51
0.00
0.54
0.00
0.72
-
0.95
-
0.04
-
0.51
1,095.08
1,483.76
1,872.59
2,276.45
2,751.06
0.00
0.00
22.67
0.01
0.11
0.00
10.73
3.18
-
-
10.29
3.12
-
-
8.84
3.33
-
-
0.09
7.27
3.19
-
0.43
4.62
0.45
-
0.28
0.00
0.80
1.04
4.79
1.55
0.20
-
0.00
-
-
-
-
0.21
-
0.01
-
-
-
-
0.66
-
0.01
0.01
-
-
-
2.95
-
0.07
0.01
-
-
-
4.06
0.01
0.12
0.02
0.04
-
-
2.56
0.11
0.84
0.47
-
-
0.18
8.84
7.11
3.11
2.18
3.79
2.56
4.53
3.01
5.34
3.53
6.17
4.11
2010
-
1.19
-
-
1.71
-
-
-
0.05
0.84
1.56
4.14
0.00
.
0.05
0.00
0.00
-
-
0.00
-
0.01
-
0.02
-
-
0.00
-
1.22
0.83
Other payment services
2011
1.20
-
-
-
1.86
-
-
-
0.04
0.67
1.51
4.77
0.00
.
0.04
0.00
0.00
-
-
0.00
-
0.01
-
0.04
0.00
-
-
-
1.30
0.89
2012
1.14
-
-
-
2.24
-
-
-
0.03
0.53
1.45
5.03
0.00
.
0.03
0.00
0.00
-
-
0.00
-
0.07
-
-
0.00
-
-
-
1.33
0.90
2013
1.10
-
-
-
0.00
-
2.55
-
0.03
0.42
1.41
0.07
4.82
0.00
1.29
0.00
0.00
-
-
0.00
-
0.07
-
-
0.00
-
0.00
-
1.32
0.89
2014
0.00
-
0.00
2.87
0.05
0.00
0.24
-
0.03
9.49
0.39
4.61
0.00
-
1.28
0.00
0.00
0.06
0.00
0.00
-
0.11
7.00
0.09
0.00
-
0.00
0.28
2.28
1.66
22
ECB
Payment Statistics
October 2015
7.5 Country's share in the total EU number of transactions
(as a percentage; total for the period)
Credit transfers
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2010
0.26
3.37
12.49
5.13
0.11
.
0.48
0.48
0.28
2.39
0.03
6.88
4.01
6.13
0.76
0.77
0.70
0.90
3.60
3.21
14.19
4.20
0.68
2.15
1.21
24.53
0.40
0.65
2011
67.89
67.60
100.00
100.00
0.28
3.26
11.96
5.07
0.11
.
0.48
0.62
0.28
2.19
0.03
6.62
4.03
6.53
0.81
0.72
0.67
0.91
4.05
3.34
14.47
4.12
0.71
2.17
1.18
24.39
0.39
0.61
2012
0.34
3.32
12.11
4.93
0.12
.
0.51
0.65
0.26
2.16
0.03
6.35
3.89
6.79
0.80
0.76
0.59
0.97
4.66
3.36
14.44
3.70
0.73
2.31
1.17
24.05
0.40
0.60
2013 2014
67.12
66.74
65.94
100.00
100.00
100.00
0.34
3.28
12.05
1.04
4.67
0.11
0.52
0.63
0.25
1.94
0.03
7.46
3.64
6.83
0.99
0.66
0.53
1.09
4.29
3.31
14.35
3.79
0.76
2.05
1.17
23.25
0.40
0.57
0.52
3.36
12.65
1.07
4.99
0.08
0.51
0.65
0.21
2.02
0.03
7.57
1.95
7.32
1.01
0.74
0.56
1.19
3.21
3.54
14.59
5.06
0.71
2.12
1.28
21.93
0.49
0.62
2010
0.08
10.74
15.50
2.69
0.04
.
0.02
0.06
0.07
0.30
0.01
5.95
3.83
0.10
1.08
0.01
0.23
0.32
0.38
1.24
14.67
1.12
0.02
0.67
0.85
39.46
0.09
0.49
2011
81.97
81.70
100.00
100.00
0.08
10.28
15.89
2.70
0.03
.
0.02
0.07
0.08
0.29
0.01
6.03
3.92
0.10
1.09
0.02
0.23
0.33
0.37
1.30
14.94
1.19
0.04
0.66
0.87
38.90
0.08
0.48
Direct debits
2012
0.07
10.71
15.58
2.65
0.03
.
0.02
0.06
0.07
0.28
0.01
6.02
3.93
0.10
1.11
0.03
0.18
0.35
0.36
1.31
15.02
1.26
0.03
0.62
0.93
38.73
0.09
0.48
2013
81.60
81.58
100.00
100.00
0.06
10.33
13.20
0.08
2.65
0.02
0.02
0.06
0.07
0.27
0.01
5.65
3.83
0.10
0.94
0.03
0.17
0.36
0.30
1.33
14.97
1.33
0.02
0.63
0.92
42.18
0.02
0.46
Card payments with cards issued by resident PSPs
(except cards with an e-money function only)
2014
0.06
9.51
16.11
0.09
2.77
0.17
0.02
0.06
0.07
0.30
0.01
5.29
2.05
0.11
0.99
0.04
0.18
0.14
0.01
1.47
16.70
2.41
0.03
0.65
0.94
39.42
0.01
0.41
2010
79.61
60.33
100.00
100.00
0.23
6.69
21.63
4.40
0.10
.
0.30
0.29
0.19
0.61
0.04
6.75
1.23
2.47
3.43
0.31
0.34
0.38
3.04
5.68
25.77
3.12
0.06
0.62
3.07
7.84
0.49
0.92
2011
0.20
6.43
21.31
4.22
0.10
.
0.31
0.29
0.19
0.62
0.04
6.58
1.20
2.76
3.33
0.35
0.33
0.41
2.94
5.34
26.67
3.11
0.08
0.73
3.09
7.92
0.53
0.91
2012
3.08
0.08
0.80
3.14
7.99
0.53
1.03
0.19
6.07
21.29
4.09
0.10
.
0.32
0.33
0.21
0.68
0.04
6.64
1.23
3.05
3.05
0.40
0.32
0.43
2.90
5.50
26.49
2013
0.18
5.72
20.53
0.46
4.15
0.09
0.35
0.36
0.20
0.71
0.04
6.61
1.28
3.32
2.80
0.43
0.30
0.50
2.80
5.49
26.59
3.05
0.10
0.88
3.12
8.40
0.52
1.00
2014
0.19
5.81
19.87
0.46
4.28
0.08
0.40
0.36
0.21
0.76
0.04
6.67
1.18
3.94
2.68
0.48
0.29
0.58
2.80
5.52
27.40
3.18
0.14
1.02
3.19
7.02
0.52
0.92
59.77
59.20
58.18
56.74
100.00
100.00
100.00
100.00
ECB
Payment Statistics
October 2015
23
7.5 Country's share in the total EU number of transactions (cont'd)
(as a percentage; total for the period)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2010
0.45
2.07
62.38
6.30
0.45
.
0.00
0.00
0.00
0.00
0.21
-
0.04
0.00
2.55
0.22
0.00
0.00
0.01
0.01
22.23
0.14
-
0.01
0.14
0.96
0.00
1.82
2011
0.42
2.04
64.15
6.30
0.43
.
0.00
0.00
0.00
0.00
0.21
-
0.04
0.00
2.30
0.15
0.00
0.00
0.01
0.01
20.94
0.14
-
0.01
0.12
0.88
0.00
1.82
77.38
78.75
100.00
100.00
Cheques
2012
0.36
1.96
65.62
6.45
0.48
.
0.00
0.00
0.01
0.00
0.18
-
0.04
0.00
2.07
0.16
0.00
0.00
0.01
0.00
19.83
0.13
-
0.01
0.10
0.80
0.00
1.77
2013 2014
79.88
81.35
82.08
100.00
100.00
100.00
0.28
1.95
67.15
0.00
6.47
0.39
0.00
0.00
0.01
0.00
0.24
0.00
0.04
0.00
2.13
0.15
0.00
0.00
0.01
0.00
18.40
0.11
-
0.02
0.07
0.80
0.00
1.76
0.25
2.12
68.55
0.00
6.39
0.41
0.00
0.00
0.01
0.00
0.27
0.01
0.03
0.00
2.03
0.05
0.00
0.00
0.01
0.00
17.78
0.08
0.00
0.02
0.06
0.82
-
1.11
E-money payment transactions with
e-money issued by resident PSPs
2010
0.23
0.03
3.77
10.84
0.00
.
0.10
0.00
50.94
-
16.34
-
2.44
-
0.19
-
0.00
-
-
-
-
5.56
-
5.99
3.57
-
-
-
2011
93.91
98.05
100.00
100.00
0.31
0.01
3.62
11.82
0.05
.
0.09
0.00
59.95
-
13.36
-
2.03
-
0.17
-
0.00
-
-
-
-
3.93
0.00
1.86
2.79
-
-
-
2012
0.30
0.01
3.45
12.61
0.06
.
0.10
-
65.64
-
9.76
-
1.85
-
0.46
-
0.00
0.00
-
-
-
3.05
0.00
0.49
2.22
-
-
-
2013
99.41
99.38
100.00
100.00
0.25
-
2.82
0.03
13.60
0.07
0.11
-
69.20
-
0.00
6.81
1.51
-
1.72
-
0.01
0.00
-
-
-
1.64
0.01
0.48
-
1.77
-
-
2014
0.15
0.00
2.53
0.21
13.93
0.06
0.00
-
73.44
0.00
0.01
3.73
0.19
-
2.02
0.01
0.01
0.00
0.01
-
-
1.36
0.04
0.42
1.84
-
-
0.04
2010
99.33
97.09
100.00
100.00
0.13
9.39
24.32
59.65
0.00
.
-
2.86
-
-
3.44
-
-
-
0.12
0.00
0.00
-
-
0.00
-
0.04
-
0.05
-
-
0.00
-
Other payment services
0.07
5.43
20.87
66.75
0.00
.
2.49
-
-
-
4.15
-
-
-
0.07
0.00
0.00
-
-
0.00
-
0.16
-
-
0.00
-
-
-
2011
0.09
7.07
22.09
64.35
0.00
.
2.68
-
-
-
3.50
-
-
-
0.09
0.00
0.00
-
-
0.00
-
0.03
-
0.10
0.00
-
-
-
2012 2013 2014
97.22
97.35
97.35
90.55
100.00
100.00
100.00
100.00
0.06
4.37
20.52
0.07
64.62
0.00
2.41
-
-
-
0.00
-
4.79
-
2.98
0.02
0.00
-
-
0.00
-
0.16
-
-
0.00
-
0.00
-
0.03
52.13
3.07
33.17
0.00
-
0.00
-
0.00
3.35
0.00
0.00
0.24
-
1.57
0.00
0.00
0.04
0.00
0.00
-
0.14
5.98
0.12
0.00
-
0.00
0.15
24
ECB
Payment Statistics
October 2015
8 Payment and terminal transactions involving non-MFIs
Total value of transactions
(total for the period)
Total value of transactions
(EUR trillions)
Increase/decrease in the real
value of transactions (annual
percentage changes; HICP adjusted)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2013
7.29
0.55
-21.59
13.08
-2.75
14.89
-1.03
-6.13
-8.99
-4.91
-0.66
-
-40.23
18.25
-9.31
12.07
2.33
3.25
196.93
-6.88
-0.79
6.92
1.67
11.21
36.80
-13.96
3.35
-3.95
4.86
.
2012
-7.74
0.99
-5.98
-9.06
-0.78
22.97
-12.02
-24.78
-1.53
-3.56
-
-5.25
-15.51
13.82
-6.70
15.37
15.68
-10.93
-1.74
0.39
6.98
-14.97
-10.64
-4.11
-2.59
-0.70
6.81
7.79
-2.31
3.96
2011
2.65
1.19
-5.65
0.95
9.99
11.03
-12.14
2.73
-1.50
10.30
-
-1.46
23.31
9.71
-13.67
7.89
-5.68
-14.57
-8.88
5.49
0.42
-4.22
7.62
42.16
-16.11
16.43
8.33
-0.48
6.44
3.42
2014
6.90
0.38
1.33
0.92
56.80
0.22
0.88
0.67
12.89
27.22
0.26
8.91
0.31
0.44
0.20
1.46
3.05
0.13
17.70
2.74
8.94
1.61
1.21
0.42
0.96
2.65
1.79
91.78
142.92
252.79
2013
4.16
0.39
1.27
0.80
70.57
0.24
0.62
0.87
11.50
26.69
0.24
9.76
0.32
0.58
0.20
1.52
1.97
0.13
17.57
2.84
8.49
1.65
1.32
0.38
1.18
4.02
1.81
89.44
154.02
260.53
2012
3.83
0.39
1.65
0.71
71.69
0.21
0.62
0.94
12.60
27.83
9.76
.
0.54
0.50
0.21
1.34
1.97
0.12
5.84
3.00
8.54
1.54
1.27
0.34
0.86
4.59
1.73
95.58
145.64
258.19
2011
4.07
0.38
1.75
0.76
70.81
0.16
0.69
1.24
12.42
28.42
10.05
.
0.63
0.42
0.22
1.13
1.67
0.13
5.74
2.90
7.93
1.77
1.43
0.34
0.86
4.47
1.55
80.69
145.84
242.66
2010
3.84
0.36
1.76
0.74
62.94
0.14
0.78
1.19
12.32
25.10
9.84
.
0.49
0.37
0.25
1.01
1.73
0.15
6.15
2.66
7.79
1.79
1.30
0.24
0.97
3.74
1.35
78.72
133.20
227.72
Average value per transaction
(EUR)
2014 2010 2011 2012 2013 2014
66.50
1,609.50
1,625.70
1,526.07
1,539.42
2,007.36
-0.01
1,923.86
1,759.04
1,726.20
1,517.95
1,213.14
10.96
1,868.73
1,791.20
1,558.11
1,161.43
1,104.43
14.36
481.75
465.28
400.81
422.48
443.77
-19.58
3,633.31
3,991.72
3,936.84
3,540.27
3,156.54
-8.06
494.93
516.50
617.88
714.24
585.83
43.13
1,162.47
1,016.20
830.83
803.25
1,199.62
-20.07
6,404.30
6,677.09
4,792.46
4,349.77
2,656.54
13.34
2,199.24
2,213.64
2,168.52
1,946.31
2,052.85
1.92
1,471.40
1,620.71
1,540.39
1,475.53
1,435.89
12.22
.
.
.
472.28
405.08
-8.63
2,456.05
2,415.11
2,290.34
2,176.01
1,859.80
-0.87
5,381.10
6,766.12
5,375.44
3,491.42
2,716.93
-24.02
1,660.21
1,773.77
1,877.70
1,948.90
1,322.77
0.80
1,097.50
810.17
688.25
574.43
-3.17
1,438.86
1,217.16
1,149.93
1,073.70
542.95
852.10
62.07
2,013.13
1,964.44
2,189.20
2,163.93
3,046.66
0.09
4,998.00
4,161.67
3,805.09
3,251.32
3,240.69
0.82
1,130.15
1,025.07
1,008.96
2,766.13
2,743.36
-4.56
1,172.65
1,226.71
1,234.36
1,141.86
1,770.82
5.67
3,336.67
2,965.47
2,869.41
2,562.35
2,309.18
-1.84
1,037.77
987.61
867.81
893.83
850.42
-9.25
4,281.73
4,464.46
3,475.49
3,487.73
2,731.96
12.16
702.48
1,004.78
1,055.28
1,203.81
1,285.49
-19.08
2,350.37
1,889.09
1,733.42
1,982.87
1,532.17
-34.42
1,883.13
2,045.84
1,890.05
1,641.57
1,206.16
4.01
451.74
498.74
517.76
501.61
459.76
-3.13
4,757.90
4,534.38
5,165.38
4,535.12
4,315.80
-7.40
2,212.00
2,332.64
2,252.44
2,264.46
2,099.56
-2.88
2,628.28
2,677.87
2,735.72
2,596.54
2,450.43
ECB
Payment Statistics
October 2015
25
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
8 Payment and terminal transactions involving non-MFIs (cont'd)
Total value of transactions
(total for the period)
Value per capita
(EUR thousands)
2010
352.92
48.39
167.31
133.13
769.90
105.11
170.75
106.29
264.62
386.28
164.38
595.09
.
176.44
80.71
1,994.49
172.96
368.67
370.23
317.86
202.34
168.83
64.07
114.78
179.47
697.17
143.58
1,254.36
403.82
454.63
2011
370.61
51.23
167.19
137.02
865.85
121.81
151.58
111.86
265.79
435.33
167.26
745.06
.
205.55
73.74
2,174.29
167.92
318.22
344.15
345.56
205.87
167.61
71.04
166.29
158.40
828.98
163.76
1,275.01
439.09
483.35
2012
346.65
53.48
157.18
126.64
875.18
155.76
135.22
84.65
269.40
424.30
161.81
629.00
.
243.75
71.77
2,512.31
198.14
289.05
348.32
355.45
221.60
146.08
63.38
164.08
159.25
847.57
182.00
1,500.34
437.27
513.06
2013
374.54
53.57
121.07
142.99
859.53
183.31
133.97
78.48
246.83
405.07
55.69
161.00
372.08
288.29
66.05
2,786.33
199.28
298.65
1,045.84
335.52
220.58
157.31
66.13
183.86
218.43
739.95
188.31
1,395.22
461.46
512.40
2014
618.33
52.79
126.71
162.86
689.65
169.18
190.69
61.33
277.35
411.39
62.34
146.62
369.34
221.63
67.16
2,610.66
308.80
297.25
1,049.83
320.27
232.43
154.84
60.41
205.86
176.34
485.85
184.92
1,420.81
424.79
496.19
2010
1,052.01
966.45
1,125.28
305.75
2,439.65
952.17
468.58
524.07
1,139.89
1,255.88
612.51
2,589.32
.
2,082.12
891.89
2,560.89
1,761.35
2,315.38
973.88
902.04
2,165.97
992.11
1,023.52
648.71
1,450.11
1,998.51
364.83
4,341.32
1,404.54
1,786.11
Value as a ratio to GDP
(percentage of GDP)
2011
1,073.19
919.18
1,072.81
310.15
2,619.49
971.76
398.88
598.94
1,160.48
1,380.31
612.98
3,253.29
.
2,100.79
714.26
2,674.45
1,662.70
1,921.80
893.56
939.24
2,103.60
1,004.47
1,073.70
925.22
1,218.75
2,268.92
382.13
4,324.11
1,495.53
1,847.74
2012
989.07
937.07
1,027.85
282.34
2,602.40
1,146.34
354.98
483.52
1,208.09
1,333.65
604.69
2,799.55
.
2,254.96
643.30
3,065.32
1,986.00
1,682.75
904.43
944.66
2,211.35
912.12
952.24
937.72
1,192.73
2,296.74
409.25
4,654.19
1,487.08
1,928.92
2013
1,059.14
929.27
810.90
317.31
2,501.76
1,272.69
343.56
474.37
1,115.19
1,260.84
545.18
607.63
1,770.06
2,544.44
558.76
3,280.53
1,946.69
1,678.31
2,699.53
880.91
2,144.04
966.14
916.15
1,054.55
1,606.63
1,985.08
414.88
4,378.18
1,556.57
1,923.90
2014
1,721.90
893.05
861.70
356.55
1,948.06
1,115.12
465.49
376.49
1,237.74
1,276.54
613.35
552.31
1,798.59
1,865.83
539.75
2,948.78
2,922.82
1,599.87
2,671.26
830.98
2,165.15
928.54
803.24
1,137.81
1,270.37
1,293.40
416.37
4,073.05
1,416.39
1,812.86
26
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
8 Payment and terminal transactions involving non-MFIs (cont'd)
Total value of transactions
(total for the period)
Value per euro in overnight deposit held by non-MFIs
2010
26.91
55.76
23.65
0.12
.
129.94
484.45
12.29
23.00
43.60
11.45
.
.
42.72
.
7.15
.
23.06
19.43
21.51
79.03
31.57
.
27.01
45.15
51.42
.
.
31.02
29.26
2011
28.29
47.12
23.18
0.13
.
110.86
.
14.38
23.54
46.67
12.56
.
.
39.64
.
7.58
.
19.46
17.52
22.78
84.02
30.39
74.42
38.40
40.24
57.40
.
.
33.46
29.29
2012
11.46
23.93
43.67
12.19
27.02
.
36.15
.
8.01
.
16.26
16.38
20.48
80.37
27.07
63.26
36.23
36.66
53.09
.
.
24.55
40.42
19.03
0.14
.
77.13
.
31.23
28.03
2013
10.13
21.08
40.03
21.74
11.82
22.13
38.00
.
8.48
.
15.50
47.32
17.83
72.92
26.79
.
39.38
43.63
42.48
22.67
.
24.87
36.11
15.31
0.16
.
68.60
.
32.12
27.77
2014
20.85
.
38.42
22.63
18.92
.
26.78
21.01
6.90
.
12.00
36.54
72.69
.
23.34
49.53
31.38
33.66
25.98
21.69
.
36.47
28.26
14.54
5.45
0.14
82.66
.
26.73
24.47
2010
0.52
5.41
11.02
4.32
0.22
.
0.16
0.11
0.44
0.76
0.07
2.70
1.17
3.42
0.78
0.57
0.10
0.43
1.64
0.59
34.57
1.69
0.16
0.77
0.32
27.64
0.06
0.34
58.50
100.00
Country’s share in the total EU value of
transactions (percentages)
2011
0.51
5.12
11.71
4.14
0.26
.
0.17
0.09
0.47
0.69
0.05
2.37
1.19
3.27
0.73
0.59
0.14
0.35
1.84
0.64
33.25
1.68
0.16
0.72
0.31
29.18
0.07
0.29
60.10
100.00
2012
0.36
4.88
10.78
3.78
0.21
.
0.19
0.08
0.52
0.76
0.05
2.26
1.16
3.31
0.59
0.49
0.13
0.33
1.78
0.67
37.02
1.48
0.15
0.64
0.27
27.77
0.08
0.24
56.41
100.00
2013
0.33
4.41
10.24
0.09
3.75
0.12
0.22
0.07
0.58
0.76
0.05
6.74
1.09
3.26
0.63
0.51
0.15
0.45
1.54
0.69
34.33
1.60
0.15
0.49
0.31
27.09
0.09
0.24
59.12
100.00
2014
0.27
5.10
10.77
0.10
3.53
0.12
0.17
0.08
0.58
1.21
0.05
7.00
1.08
3.54
0.64
0.48
0.17
0.38
1.05
0.71
36.31
2.73
0.15
0.53
0.36
22.47
0.09
0.35
56.54
100.00
ECB
Payment Statistics
October 2015
27
9.1 Value of transactions per type of payment service
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
(EUR billions; total for the period)
2010
3,684.19
363.08
1,728.70
591.22
51,005.19
135.55
205.20
778.57
10,636.84
21,403.78
.
7,938.22
448.20
367.81
247.13
980.86
1,715.86
136.46
5,766.96
2,307.76
7,765.55
1,417.60
1,270.31
228.31
849.63
3,639.78
1,208.73
75,811.08
111,427.56
202,632.59
Credit transfers
2011
3,890.46
374.65
1,722.98
615.14
57,082.06
157.09
194.22
905.32
10,597.47
24,540.85
.
8,075.30
589.50
420.61
220.29
1,089.47
1,660.90
117.75
5,350.99
2,577.00
7,900.35
1,445.76
1,407.61
334.17
717.02
4,368.30
1,395.82
77,797.29
122,032.74
215,548.37
2012
3,656.32
388.56
1,616.66
552.84
58,042.07
194.36
197.71
696.60
10,979.35
24,114.69
.
7,853.08
485.88
492.71
211.13
1,285.47
1,950.83
108.38
5,437.88
2,633.80
8,505.28
1,260.53
1,247.80
330.53
731.95
4,495.04
1,567.77
92,567.43
122,503.66
231,604.67
2013
3,975.33
387.19
1,239.21
652.49
57,058.26
228.08
208.24
666.97
10,166.89
23,198.46
227.00
8,033.85
287.16
576.78
191.62
1,458.75
1,955.62
112.08
17,187.14
2,424.87
8,456.15
1,378.10
1,298.71
371.96
1,040.10
3,931.99
1,638.44
86,604.88
131,728.23
234,956.32
2014
6,678.55
332.82
1,294.60
766.11
52,983.40
203.60
650.32
513.81
11,514.67
24,046.38
245.08
7,290.09
239.77
438.01
192.81
1,376.55
2,073.44
111.61
17,373.99
2,541.69
8,902.35
1,341.71
1,190.86
417.35
938.60
2,601.06
1,623.23
88,718.15
131,261.15
236,600.59
2010
55.31
0.69
20.43
79.38
11,506.32
1.87
93.60
7.78
854.06
1,128.13
.
364.80
2.62
0.23
0.63
7.02
2.18
1.34
288.68
307.61
4.66
33.25
0.81
2.39
117.98
45.74
52.85
1,105.26
14,816.62
16,085.62
2011
66.77
0.68
19.29
82.98
13,287.07
1.73
97.71
6.98
1,098.92
1,325.14
.
356.56
2.40
0.22
0.66
7.66
2.19
1.23
297.21
278.00
4.76
34.66
1.27
2.60
130.31
47.87
60.13
1,203.71
17,042.80
18,418.69
Direct debits
2012
71.25
0.75
20.94
85.57
13,225.05
8.56
96.99
6.43
988.41
1,310.88
.
385.42
3.82
0.22
0.60
8.59
2.21
1.59
298.09
312.33
4.68
35.70
1.35
2.17
120.65
44.57
62.61
1,326.36
16,920.51
18,425.82
2013
78.28
0.53
17.15
90.00
13,089.32
10.17
95.90
5.87
778.55
1,399.30
1.70
356.66
2.10
0.22
0.65
10.55
2.20
0.32
277.95
366.89
4.64
39.35
1.25
1.91
131.21
44.75
63.92
1,312.99
16,689.08
18,184.35
2014
120.07
0.23
19.56
90.95
3,368.51
9.13
64.73
4.95
527.33
1,514.55
1.96
316.88
3.42
0.22
0.56
15.46
2.11
0.09
218.73
153.13
4.93
37.31
1.50
2.20
3.77
2.32
61.33
1,448.00
6,362.79
7,993.93
28
ECB
Payment Statistics
October 2015
9.1 Value of transactions per type of payment service (cont'd)
(EUR billions; total for the period)
Cheques
2010 2011 2012 2013 2014
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
40.89
1.54
46.58
-
1.59
20.60
15.30
263.80
251.98
0.00
-
457.00
0.00
378.31
37.13
1.45
0.00
-
16.78
4.99
3.17
226.94
198.64
189.06
300.05
33.95
1.34
0.01
-
284.75
23.96
0.03
1.23
140.10
-
391.25
325.00
543.40
462.10
229.56
403.16
186.44
344.33
149.01
345.98
1,828.39
1,787.53
1,628.46
1,320.02
1,216.04
.
845.22
793.31
39.78
38.71
.
0.02
0.48
0.00
-
14.20
-
13.36
0.81
0.01
0.40
12.62
12.90
-
0.00
-
0.48
679.75
582.12
533.31
50.15
0.01
0.34
0.00
10.29
15.10
0.37
-
-
.
0.03
28.18
0.01
0.28
0.00
12.94
1.63
15.10
0.20
-
0.03
68.74
Portugal
Romania
Slovenia
Slovakia
Finland
273.42
227.41
21.77
0.07
0.04
15.28
17.49
0.06
0.03
12.64
180.05
161.33
161.11
16.25
0.05
0.06
10.16
14.86
0.03
0.03
8.27
5.29
0.05
0.01
6.19
Sweden 2.83
3.33
4.63
1.46
0.73
United Kingdom 1,275.58
1,109.41
1,054.90
863.55
860.36
0.02
0.22
0.97
0.00
13.93
1.90
7.92
0.20
Euro area total 4,726.10
4,349.18
3,770.89
3,177.76
2,858.30
EU total 6,049.74
5,497.18
4,865.61
4,064.49
3,729.56
2011
0.01
0.00
26.53
-
0.43
-
0.21
-
0.19
0.00
0.10
9.71
0.04
.
0.08
-
0.00
-
-
-
-
0.23
0.00
0.01
0.12
-
-
-
37.65
37.67
E-money payment transactions with
e-money issued by resident PSPs
2010
0.01
0.00
19.49
-
0.47
-
0.19
-
0.14
0.00
0.09
7.42
0.00
.
0.07
-
0.00
-
-
-
-
0.26
-
0.03
0.14
-
-
-
28.28
28.32
2012
0.20
0.00
0.11
12.69
0.06
.
0.01
-
34.86
-
0.34
-
0.18
-
0.19
-
0.00
0.00
-
-
-
0.23
0.00
0.01
0.12
-
-
-
48.98
49.00
2013
0.19
-
0.11
0.01
11.75
0.06
0.04
-
43.43
-
0.29
.
0.16
-
0.61
-
0.01
0.00
-
-
-
0.14
0.02
0.04
-
0.11
-
-
56.87
56.97
Other payment services
2014 2010
0.53
183.23
374.84
559.43
0.00
.
-
5.82
-
-
2.39
-
-
-
7.16
0.40
0.00
-
-
0.00
-
1.49
-
0.76
0.00
-
0.00
-
0.11
0.00
0.24
0.06
13.49
0.09
0.00
-
57.23
0.00
0.16
.
-
.
0.79
0.00
0.01
0.01
.
-
-
0.36
0.07
0.07
0.46
-
-
0.04
2011
1.19
0.93
0.00
-
0.00
5.89
0.12
0.00
0.00
-
-
-
-
-
2012
1.28
0.00
-
0.00
4.44
0.48
0.00
0.00
-
-
-
-
-
-
2013
2.53
0.00
-
0.00
8.78
0.47
0.00
0.00
-
-
-
-
-
-
2014
7.97
0.00
0.00
0.03
.
0.00
-
2.01
46.34
4.44
0.00
-
0.00
0.19
0.47
0.28
0.23
0.26
156.17
121.15
102.15
376.95
377.21
356.54
330.26
0.98
.
.
3.14
-
688.35
709.52
649.99
617.53
0.00
0.00
0.00
0.00
4.92
-
-
-
2.70
-
-
-
5.52
3.28
-
-
-
-
-
-
0.00
-
3.87
-
-
0.02
-
0.00
5.82
962.55
0.00
0.42
-
73.10
1,129.08
1,231.98
1,195.21
1,095.28 1,008.22
73.31
1,136.06
1,237.95
1,202.48
1,107.24 2,021.55
.
ECB
Payment Statistics
October 2015
29
9.1 Value of transactions per type of payment service (cont'd)
Card payments with cards issued by resident PSPs (except cards with an e-money function only)
(EUR billions; total for the period)
Total card payments With cards with a debit function
2010 2011 2012 2013 2014 2010 2011 2012 2013 2014
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
58.74
0.81
8.13
47.25
169.07
186.83
2.72
3.15
22.78
7.24
63.30
1.12
10.13
49.77
23.57
6.35
103.64
107.29
363.20
393.59
119.98
3.00
1.97
1.72
4.83
5.76
0.80
94.08
26.35
22.49
53.60
.
122.61
3.30
2.34
1.96
5.67
6.41
0.86
96.32
27.97
25.59
55.73
Romania
Slovenia
Slovakia
Finland
3.98
4.40
6.89
35.49
4.82
4.54
7.72
36.10
Sweden 82.10
88.15
United Kingdom 530.63
578.33
.
66.90
1.38
11.48
52.89
5.93
2.37
6.38
7.04
0.98
98.75
30.43
28.66
55.08
5.47
4.72
8.30
38.96
71.51
1.73
12.29
55.13
5.76
2.79
6.66
7.84
1.09
103.10
33.39
31.79
56.87
6.29
4.75
11.03
39.59
73.73
2.30
13.50
58.80
198.33
223.79
257.09
3.48
3.74
4.30
25.93
27.63
24.61
6.06
106.71
108.68
121.90
421.57
438.43
443.31
.
5.19
6.55
123.28
129.63
142.28
3.51
2.75
3.20
3.22
2.85
3.82
3.12
7.33
8.62
1.23
109.50
33.13
37.51
61.64
7.36
4.83
13.09
42.51
97.51
104.03
107.77
630.28
660.26
752.01
46.80
0.46
7.21
43.67
50.38
0.71
8.88
45.76
125.60
137.89
2.24
2.64
11.50
12.90
1.05
42.60
-
.
63.20
1.41
1.32
1.33
2.31
4.88
0.41
83.59
17.66
16.08
-
3.30
2.63
6.28
30.00
0.90
44.87
-
.
67.01
1.60
1.58
1.48
2.39
5.45
0.45
85.11
18.71
18.97
-
3.97
2.82
7.10
30.48
49.17
53.71
356.05
401.74
53.82
0.93
9.84
48.69
145.89
164.71
2.97
3.22
15.40
17.60
1.11
45.41
-
.
73.70
1.75
1.86
1.84
2.68
5.96
0.52
87.49
20.30
21.57
-
4.50
2.99
7.64
32.96
56.72
1.26
10.52
50.80
1.35
47.93
-
2.62
78.79
1.69
2.18
2.22
2.83
6.55
0.61
91.76
22.56
24.07
-
5.20
3.08
10.23
33.17
59.40
63.63
440.24
472.22
Euro area total 1,074.06
1,144.90
1,199.25
1,268.85
1,353.22
435.03
465.24
EU total 1,781.61
1,913.53
2,039.09
2,159.41
2,350.76
920.74
1,007.51
494.62
1,089.47
536.25
1,177.54
780.63
1,506.86
56.18
215.76
2.90
88.37
1.51
2.52
2.51
3.00
7.11
0.70
97.40
.
29.32
-
59.60
1.44
11.48
54.22
162.20
3.62
17.67
1.32
6.03
3.17
12.07
34.36
66.42
544.79
2011
0.03
1.60
0.02
-
3.88
21.41
0.10
-
-
-
4.82
-
0.82
-
0.09
0.33
-
-
-
.
0.03
-
-
-
45.80
-
-
0.27
52.60
79.19
With cards with a delayed debit function
2010
0.03
1.65
0.02
-
3.60
21.92
0.09
-
-
-
-
4.48
0.82
-
-
0.09
0.22
-
-
.
-
-
0.03
-
40.89
-
-
0.31
47.43
74.13
2012
0.02
1.61
0.01
-
4.16
23.07
0.08
-
-
-
5.40
-
0.87
-
0.09
0.46
-
-
-
.
0.03
-
-
-
49.16
-
-
0.24
56.52
85.22
2013 2014
0.02
1.54
0.02
-
4.10
21.82
0.10
-
-
-
5.81
-
0.72
-
2.17
-
-
0.05
0.59
-
0.03
-
-
-
54.63
-
-
0.23
62.27
178.65
91.84
208.24
77.57
-
2.29
0.00
0.70
-
0.12
0.00
-
-
6.64
-
0.74
-
0.44
0.03
0.03
-
88.79
-
0.91
0.73
0.02
1.51
0.04
1.29
3.98
22.38
30
ECB
Payment Statistics
October 2015
9.1 Value of transactions per type of payment service (cont'd)
Card payments with cards issued by resident PSPs (except cards with an e-money function only)
(EUR billions; total for the period)
With cards with a credit function With cards with a debit and/or
delayed debit function
2010 2011
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
0.36
0.88
3.58
2.58
0.48
11.27
5.88
1.49
0.43
0.40
2.52
0.79
0.39
4.22
5.59
-
-
-
-
-
.
Portugal
Romania
Slovenia
Slovakia
Finland
0.65
0.11
0.59
-
-
-
0.82
0.12
0.60
-
Sweden 7.53
7.53
United Kingdom 130.41
135.39
-
0.41
1.22
4.01
3.14
0.51
10.67
0.43
0.48
3.27
0.86
0.42
-
4.45
5.80
5.17
-
-
-
1.60
.
Euro area total
EU total
29.06
29.96
180.14
186.90
2012 2013 2014
0.44
0.53
3.70
1.00
0.46
-
4.73
6.22
4.58
-
-
1.65
-
.
0.45
-
1.61
4.20
3.28
0.52
10.53
0.47
1.74
4.33
4.45
0.52
10.03
4.18
0.20
1.44
0.45
0.57
3.83
1.18
0.49
5.01
7.00
-
-
-
-
-
0.94
-
0.12
0.65
-
1.07
0.13
0.79
-
-
1.31
0.15
0.98
2.75
8.16
8.70
8.92
148.09
149.02
166.81
-
0.27
0.83
1.98
4.58
6.09
0.68
6.03
0.60
0.61
4.33
1.40
0.53
-
5.31
7.45
4.01
-
5.54
0.11
1.34
-
30.22
30.87
38.61
201.84
205.58
232.59
2010
-
-
-
-
-
-
-
-
0.01
-
.
-
-
-
44.41
-
-
-
-
9.85
-
-
-
-
-
-
-
-
44.42
54.27
2011
-
-
-
-
-
-
-
-
0.01
-
.
-
-
-
46.12
-
-
-
-
10.19
-
-
-
-
-
-
-
-
46.13
56.32
2012
-
-
-
-
-
-
-
-
0.02
-
.
-
-
-
45.50
-
-
-
-
11.50
-
-
-
-
-
-
-
-
45.51
57.01
2013
-
-
-
-
-
-
-
-
0.02
-
0.01
-
-
-
52.44
-
-
-
-
12.41
-
-
-
-
-
-
-
-
52.45
64.88
2014
0.00
-
113.24
0.02
0.00
-
0.00
-
-
-
-
-
-
-
57.77
0.00
0.00
-
-
12.60
-
0.00
-
-
0.00
-
-
-
2010
171.01
154.52
183.63
188.72
60.64
-
-
56.77
0.00
.
10.49
-
-
-
-
-
-
-
9.19
-
-
-
5.49
11.96
22.24
11.94
-
-
-
-
-
-
With cards with a credit and/or
delayed debit function
61.05
-
-
49.58
0.00
.
11.27
-
-
-
-
-
-
-
9.58
-
5.99
-
-
14.28
18.88
13.09
-
-
-
-
-
-
2011
62.10
-
-
55.60
0.00
.
11.20
-
-
-
-
-
-
-
9.62
-
5.62
-
-
12.85
19.80
12.92
-
-
-
-
-
-
2012 2013 2014
157.06
150.56
148.39
184.33
189.70
183.73
180.95
218.43
60.56
-
-
0.18
50.85
0.00
11.34
-
-
-
-
-
-
-
4.43
-
6.42
-
-
15.19
17.19
14.79
-
-
-
-
-
-
0.00
65.71
31.19
0.21
53.91
0.00
0.00
12.10
-
-
-
-
-
-
3.87
0.00
0.00
-
4.11
15.86
18.03
13.43
0.00
-
-
-
-
0.00
ECB
Payment Statistics
October 2015
31
9.2 Relative importance of payment services
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
(as a percentage of the total value of transactions)
Credit transfers
2010
65.67
86.33
85.28
80.71
90.80
.
99.40
98.86
96.90
99.20
89.31
93.77
86.83
99.64
79.41
97.92
97.08
87.18
97.34
89.77
96.30
95.92
99.59
98.24
80.06
81.03
96.72
26.36
83.65
88.98
2011
72.76
85.31
86.34
80.38
92.99
.
99.39
98.65
96.47
99.19
88.89
93.14
88.90
99.61
81.70
98.34
97.89
83.85
97.79
90.20
96.42
95.62
99.52
98.18
80.60
80.62
96.99
27.99
83.68
88.83
2012
74.19
87.15
86.64
80.43
89.41
.
99.40
98.45
96.27
99.25
89.39
93.19
87.94
99.61
82.07
98.15
97.95
85.02
97.96
90.49
96.85
95.42
99.45
97.87
78.08
80.96
94.16
31.85
84.11
89.70
2013
77.07
88.40
86.93
95.75
82.28
89.54
99.40
98.09
96.01
99.20
88.65
97.82
85.25
99.57
83.77
98.27
98.23
87.97
97.70
90.63
96.83
95.58
99.41
97.38
81.30
80.85
94.25
33.78
85.53
90.18
2010
0.06
0.25
0.69
0.13
0.88
4.69
11.57
0.06
0.66
6.93
4.49
3.71
0.53
.
1.86
0.06
1.02
12.11
1.22
3.92
1.40
1.44
0.19
1.16
10.75
18.28
1.34
12.02
11.12
7.06
2014
76.21
89.35
88.34
92.88
81.79
76.15
99.08
98.02
94.44
68.05
87.84
98.13
92.89
99.52
83.31
98.83
98.33
98.23
98.01
90.53
96.67
96.81
87.17
97.09
83.36
93.28
91.46
73.90
91.84
93.60
2011
0.05
0.29
0.68
0.13
0.93
5.17
9.59
0.06
0.56
8.85
4.66
3.55
0.38
.
1.96
0.09
0.76
15.24
1.07
3.89
1.49
1.64
0.18
1.10
10.87
18.76
1.07
14.08
11.69
7.59
Direct debits
2012
0.04
0.28
0.64
0.11
1.31
5.11
10.43
0.05
0.68
7.85
4.71
3.95
0.70
.
2.32
0.11
0.64
14.01
0.97
3.61
1.39
1.86
0.19
1.27
12.08
18.45
4.15
15.63
11.62
7.14
2013
0.04
0.33
0.69
0.11
0.25
1.58
12.90
0.05
0.68
6.77
5.24
0.72
3.65
0.66
2.39
0.09
0.50
11.10
1.11
3.54
1.47
1.88
0.14
1.35
11.21
18.55
4.20
15.55
10.84
6.98
2010
0.53
0.69
0.48
0.33
0.52
1.53
0.99
0.29
0.61
0.84
1.45
1.22
0.61
.
3.00
0.31
1.87
0.71
0.95
6.10
0.67
1.53
0.22
0.46
6.40
0.27
1.94
2.93
0.81
0.78
2011
0.55
0.88
0.50
0.38
0.65
1.68
0.96
0.32
0.51
0.86
1.38
1.22
0.52
.
3.15
0.34
1.33
0.90
0.81
5.70
0.72
1.56
0.30
0.58
6.52
0.26
1.95
3.40
0.79
0.79
2014
0.05
0.29
1.06
0.07
0.07
1.24
5.60
0.06
0.73
4.09
5.56
0.74
3.56
1.09
2.32
0.12
0.52
0.39
0.09
3.42
1.58
1.74
0.06
1.47
9.90
5.93
4.10
7.36
4.45
3.16
Card payments with cards issued by resident PSPs
(except cards with an e-money function only)
2012
0.56
1.11
0.48
0.36
0.81
1.69
1.02
0.34
0.63
0.85
1.51
1.26
0.65
.
3.59
0.43
1.40
0.96
0.85
5.63
0.66
1.75
0.35
0.70
7.47
0.28
1.69
4.18
0.82
0.79
2013
0.55
1.43
0.44
0.40
0.86
0.59
1.17
0.37
0.67
0.94
1.64
2.19
1.33
1.00
3.46
0.48
1.25
0.93
0.98
5.75
0.74
1.72
0.44
0.97
6.87
0.32
1.55
4.48
0.82
0.83
2014
0.86
1.58
0.50
0.28
0.97
0.62
1.21
0.42
0.90
0.95
1.63
2.48
1.60
0.91
3.83
0.61
1.14
1.37
1.60
6.01
0.82
1.07
0.60
1.01
6.40
0.45
1.93
2.80
0.95
0.93
32
ECB
Payment Statistics
October 2015
9.2 Relative importance of payment services (cont'd)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
(as a percentage of the total value of transactions)
Cheques
2010
33.00
4.41
7.28
8.59
8.06
.
0.01
0.19
0.00
-
9.29
-
0.50
0.01
15.32
1.68
0.03
0.00
0.41
0.21
1.62
1.06
-
0.09
2.79
0.42
0.00
58.70
3.55
2.66
2011
26.12
3.72
6.29
7.90
6.11
.
0.00
0.18
-
0.00
9.53
-
0.45
0.01
12.85
1.22
0.02
0.00
0.28
0.22
1.37
1.14
-
0.09
2.00
0.36
0.00
54.53
2.98
2.27
2012
24.45
3.20
5.85
6.96
9.23
.
0.00
0.16
0.00
-
8.49
-
0.50
0.00
11.72
1.28
0.01
0.01
0.22
0.27
1.10
0.97
-
0.09
2.37
0.32
0.00
48.34
2.59
1.88
2013
21.54
2.99
4.95
0.01
5.96
8.79
0.00
0.15
0.00
-
10.24
0.01
0.53
0.00
9.81
1.12
0.01
0.00
0.21
0.08
0.97
0.82
-
0.11
0.62
0.28
0.00
46.19
2.06
1.56
2014
22.10
2.68
4.47
0.01
5.98
21.83
0.00
0.11
0.07
0.00
10.96
0.01
0.29
0.00
10.00
0.44
0.01
0.00
0.23
0.04
0.94
0.35
0.01
0.09
0.34
0.33
-
15.92
2.00
1.48
2011
0.00
0.00
2.35
-
0.01
-
0.01
-
0.02
0.00
0.00
0.10
0.01
.
0.00
-
0.00
-
-
-
-
0.01
0.00
0.00
0.00
-
-
-
0.03
0.02
E-money payment transactions with
e-money issued by resident PSPs
2010
0.00
0.00
1.93
-
0.01
-
0.01
-
0.01
0.00
0.00
0.08
0.00
.
0.00
-
0.00
-
-
-
-
0.01
-
0.00
0.00
-
-
-
0.02
0.01
2012
0.00
-
2.61
-
0.01
-
0.01
-
0.02
0.00
0.00
0.13
0.01
.
0.01
-
0.00
0.00
-
-
-
0.01
0.00
0.00
0.00
-
-
-
0.03
0.02
2013
0.01
-
2.86
-
0.00
0.00
0.01
-
0.02
-
0.00
0.00
0.12
0.02
0.04
-
0.00
0.00
-
-
-
0.00
0.01
0.00
-
0.00
-
-
0.04
0.02
2014
0.00
-
3.93
0.00
0.02
0.00
0.00
-
0.02
0.00
0.00
0.02
0.15
0.03
0.05
0.00
0.00
0.00
0.00
-
-
0.01
0.02
0.01
0.00
-
-
0.00
0.05
0.03
2010
-
0.34
-
-
0.09
-
-
-
0.04
1.49
1.49
5.69
0.00
.
0.40
0.03
0.00
-
-
0.00
-
0.04
-
0.04
0.00
-
0.00
-
0.85
0.50
Other payment services
2011
0.29
-
-
-
0.09
-
-
-
0.04
1.26
1.33
6.85
0.00
.
0.33
0.01
0.00
-
-
0.00
-
0.03
-
0.05
0.00
-
0.00
-
0.84
0.51
2012
0.28
-
-
-
0.11
-
-
-
0.03
0.96
1.28
7.27
0.00
.
0.29
0.04
0.00
-
-
0.00
-
0.08
-
-
0.00
-
0.00
-
0.82
0.47
2013
0.30
-
-
-
0.00
-
0.14
-
0.03
0.89
1.24
1.33
6.66
0.00
0.53
0.04
0.00
-
-
0.00
-
0.20
-
-
0.00
-
0.00
-
0.71
0.42
2014
0.01
-
0.00
31.59
0.13
0.00
0.02
-
0.04
2.93
0.00
6.93
0.00
-
0.49
0.00
0.00
0.00
0.06
0.00
-
0.03
12.14
0.33
0.00
-
0.00
0.02
0.71
0.80
ECB
Payment Statistics
October 2015
33
9.3 Increase/decrease in the real value of transactions
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
(annual percentage changes; HICP-adjusted)
Credit transfers
2011
13.81
-2.66
11.67
-
-1.86
26.28
9.71
-13.85
7.41
-5.70
-14.97
-9.49
8.00
0.39
-1.46
8.08
43.35
-19.31
16.97
8.85
-0.36
2.33
1.12
-5.71
1.63
9.43
11.33
-6.68
6.46
3.24
2012
-7.93
0.92
-6.27
-11.91
-0.36
19.38
0.11
-23.30
0.59
-3.21
-
-5.20
-18.76
13.83
-6.88
15.13
15.74
-10.42
-1.69
-0.70
6.97
-14.60
-10.82
-4.06
-1.25
-0.53
7.16
8.27
-1.80
4.99
2013
7.47
0.51
-21.98
17.75
-2.88
15.00
4.94
-2.48
-7.68
-4.60
1.62
-40.15
-
18.25
-9.64
11.77
2.27
2.39
211.67
-9.72
-0.83
9.14
1.80
11.53
41.55
-14.19
3.50
-3.97
6.63
.
2014
68.64
-12.32
10.64
17.26
-7.22
-10.79
213.16
-20.96
14.56
3.57
8.86
-9.18
-15.70
-24.27
0.73
-4.75
11.19
-0.82
1.15
3.98
5.62
-2.38
-8.74
12.27
-9.64
-34.21
3.90
-3.29
-0.63
0.79
2011
16.98
-2.93
-10.67
2.11
12.91
-11.44
2.93
-12.27
25.71
14.40
-
-5.70
-12.21
-10.56
0.21
5.53
-2.23
-9.26
0.43
-12.60
0.77
0.74
52.95
6.53
5.61
2.00
7.26
5.74
11.93
11.13
Direct debits
2012
4.53
8.09
8.43
1.07
-2.46
378.80
-2.38
-8.12
-12.67
-2.56
5.38
57.23
-
-4.17
-10.51
9.48
-0.54
25.28
-2.97
9.16
-2.19
0.90
6.97
-19.25
-10.43
-10.00
-0.66
0.27
-2.87
-2.25
2013
8.60
-28.86
-16.63
4.93
-2.22
16.39
-1.49
-7.12
-21.47
5.86
-
-8.08
-44.25
2.76
7.42
20.95
1.62
-80.22
-8.05
15.19
-1.08
10.01
-9.57
-12.67
8.33
-1.50
1.10
1.61
-2.20
.
Card payments with cards issued by resident PSPs
(except cards with an e-money function only)
2011
-14.13
1.14
5.54
-
-1.41
5.77
13.75
9.78
13.43
8.54
6.63
-0.13
2.66
12.32
0.47
18.06
1.06
7.15
-0.87
1.21
5.82
4.44
35.15
17.89
2.90
8.05
11.42
2.04
3.48
4.24
2014
53.96
-56.83
20.76
0.93
-74.29
-10.31
-32.32
-13.35
-31.49
8.14
15.92
-11.08
63.95
-0.09
-13.63
47.89
0.48
-71.05
-21.26
-58.60
6.42
-4.92
19.35
15.18
-97.12
-94.85
0.62
4.11
-61.81
-56.00
2012
-6.91
-3.44
5.50
-
-1.98
4.86
14.49
17.77
9.86
8.16
10.72
-0.81
5.69
11.26
-3.19
14.15
0.89
4.09
4.31
5.53
-0.83
3.54
20.02
13.24
4.16
4.03
6.61
8.18
2.47
4.12
2013
18.04
17.15
2.77
13.56
10.05
2.94
7.60
10.64
-1.05
1.53
3.13
-
4.45
-7.72
3.07
12.44
-0.25
32.33
-0.29
5.66
7.53
5.66
26.30
8.98
3.99
11.48
5.23
6.17
4.91
.
2014
3.50
35.19
16.26
6.52
14.78
15.00
-10.68
8.00
13.45
1.03
27.23
9.85
-9.95
18.42
11.74
11.15
15.40
12.00
6.28
-1.55
18.40
8.67
16.47
1.79
18.86
6.78
8.65
7.52
6.55
8.96
34
ECB
Payment Statistics
October 2015
9.3 Increase/decrease in the real value of transactions (cont'd)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
(annual percentage changes; HICP-adjusted)
Cheques
2011
10.40
-
-2.74
-27.47
-6.60
-50.16
-18.38
-18.70
-16.92
-4.79
-
-9.45
-6.57
-35.49
-20.39
-
-
-12.44
-
-6.62
-42.00
-19.64
-21.63
-18.13
-26.25
-19.40
10.99
-15.55
-10.44
-11.81
2012
-21.92
-
-8.94
7.50
-11.74
488.65
-22.00
-29.60
-15.29
-10.27
-
-16.47
27.69
3.63
-17.65
-
-
-20.64
-
13.73
-23.81
-22.44
-6.55
-24.80
85.92
-22.30
32.61
-13.48
-15.18
-13.52
2013
-9.61
-
-5.69
-70.34
-13.52
44.09
-5.45
-17.28
-14.85
-19.62
-14.93
-43.09
-
-16.41
-15.93
-
-
24.55
-
-1.97
-46.16
-10.55
-10.52
-28.80
-53.32
-20.13
-68.87
-15.97
.
.
2014
-29.15
-
-2.71
-36.51
-4.90
-
-50.67
-17.99
1.63
-7.96
-7.94
-8.31
146.25
60.36
-23.47
-
-
7.19
16.51
-47.97
1.08
0.13
-64.55
63.03
-73.41
-25.56
-47.77
-5.94
.
.
E-money payment transactions with
e-money issued by resident PSPs
2011
-14.91
-
-61.23
-
-14.79
-
-
33.72
-31.54
8.20
26.25
-
-
-14.93
-
31.64
-
-
-11.11
3.23
-
18.72
-
-
155.95
-
-
-
29.59
.
2012
-3.69
228.88
-18.59
-
-2.81
-
-
6.96
-49.73
9.87
27.35
27.18
-
4.22
-
28.18
-
-22.48
-
-16.52
-
126.71
-
60.12
-
-
-
-
.
.
2013 2014
-39.04
2,586.01
291.64
-
-11.82
-
-
160.32
263.86
80.29
-
329.39
-
-
-5.98
-
-4.23
-
-8.00
13.30
-38.12
-
123.82
677.13
14.85
38.17
307.28
-
22.72
-
-99.57
-
33.00
-
2,698.97
-15.19
-46.84
-11.36
-
-43.77
-
222.92
-
596.15
-27.36
-
-
-
29.80
-
59.53
166.54
-
-
-
.
.
.
.
2011
-22.63
-
16.16
-29.54
-
-
-
-13.43
-16.73
-1.99
18.71
-
-
-17.67
-
-
-
8.87
-
-
-
-20.49
-72.21
-
-
-
-
-
6.19
5.76
2012
36.66
-
-
-
-
-17.29
-
-40.56
-24.68
-6.90
0.48
-
-
10.60
-
-
-
18.07
-
-
-
-26.24
320.91
-
-
-
-
-
.
.
Other payment services
2013
-
-
101.87
-67.34
-
-
-
-17.55
-15.94
-8.14
-
-9.00
-
97.48
-4.25
-
-
-
-
-
.
.
2014
85.58
-
-
-
-
233.15
-
17.38
273.26
-99.70
-
-4.92
-
-9.01
-
-
-
-
-
-
.
.
ECB
Payment Statistics
October 2015
35
9.4 Average value per transaction
(EUR; total for the period)
Credit transfers Direct debits
2010 2011 2012 2013 2014 2010 2011 2012 2013 2014
Belgium
Bulgaria
3,664.0
2,218.3
3,789.5
2,112.7
3,861.9
2,081.1
3,886.7
1,884.6
4,887.7
1,728.9
Czech Republic 3,360.5
3,192.6
2,740.6
2,239.9
2,265.9
Denmark
Germany
Estonia
Ireland
2,038.7
2,086.3
1,841.0
2,059.9
2,215.6
1,398.6
1,319.0
1,614.0
1,275.0
1,903.6
1,294.7
2,127.3
1,354.7
1,551.2
3,880.0
224.8
132.4
138.4
422.0
99.2
866.7
252.4
79.4
132.3
427.1
91.4
913.1
249.4
108.7
148.6
405.1
250.0
95.0
116.2
416.8
8,686.6
9,400.1
9,436.2
9,096.7
8,944.5
1,324.5
1,536.4
1,501.2
1,317.9
226.8
40.5
137.8
439.1
2,018.9
4,074.1
889.1
883.2
439.2
388.7
726.8
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
12,282.0
13,110.0
8,128.4
7,314.4
3,641.8
13,165.6
13,045.6
12,942.2
11,480.1
12,680.6
7,159.3
.
8,242.0
.
7,786.0
.
7,137.5
809.8
7,037.4
845.3
6,468.5
6,400.2
6,226.3
6,370.7
5,411.2
17,579.8
22,452.2
15,599.7
10,023.5
11,115.9
3,177.9
3,526.9
3,781.8
4,127.4
3,162.0
2,149.2
1,434.4
1,261.1
1,124.1
1,092.0
14,684.7
15,812.8
19,056.4
21,239.5
23,833.7
2,995.6
3,046.3
3,535.0
3,732.5
3,794.8
456.9
361.1
330.7
615.0
331.8
55.7
45.4
446.3
33.6
22,360.2
17,072.7
15,430.1
14,001.6
12,986.5
1,102.9
3,499.6
3,247.1
3,349.1
8,535.3
8,503.2
2,406.4
2,571.9
2,644.4
2,471.8
4,817.8
5,287.4
4,861.4
4,896.7
4,589.3
4,502.3
220.3
364.9
206.2
.
376.5
480.6
375.0
593.6
311.2
51.7
44.4
458.0
34.4
925.6
1,131.2
221.7
319.2
204.3
.
393.7
405.6
370.0
640.0
535.9
50.3
45.9
555.6
34.4
217.8
349.8
201.4
.
410.1
320.2
450.3
93.7
571.3
358.6
49.4
47.3
132.3
209.0
406.8
201.0
Portugal
Romania
Slovenia
Slovakia
Finland
7,764.7
6,860.3
7,157.5
7,855.8
6,126.7
6,437.8
5,139.8
7,319.3
4,918.2
5,921.0
1,361.3
1,996.7
2,193.5
2,594.4
2,763.5
47.9
50.6
52.2
48.9
3,943.0
3,162.3
2,963.0
3,526.1
2,931.0
1,695.4
1,780.4
1,527.3
1,550.2
4,226.3
4,328.0
3,774.2
3,398.1
3,001.8
Sweden 1,573.9
1,679.7
1,825.1
1,832.7
1,696.2
United Kingdom 22,321.7
21,601.4
25,065.0
22,372.2
22,519.0
140.3
485.4
544.5
194.3
342.3
142.6
328.5
584.9
208.1
362.3
141.5
191.7
550.9
210.8
388.2
178.6
158.7
623.6
204.9
372.5
408.7
252.1
427.7
98.0
521.1
89.4
49.9
40.0
685.4
1,036.7
34.2
32.0
63.2
188.0
339.0
208.9
171.3
159.9
56.5
126.3
910.1
189.9
394.3
Euro area total 6,855.7
7,252.3
7,136.9
7,315.1
7,370.1
EU total 8,464.2
8,658.8
9,056.2
8,707.6
8,760.5
821.0
730.7
938.2
828.4
911.6
810.0
868.9
772.3
363.5
363.6
Card payments with cards issued by resident PSPs
(except cards with an e-money function only)
2010
19.4
17.5
74.3
27.5
61.5
40.8
62.5
26.6
91.6
45.3
49.1
79.9
83.7
.
45.8
37.8
37.6
53.2
34.1
42.3
60.3
55.1
39.4
38.1
45.1
63.1
16.2
72.2
52.1
52.1
2011
20.5
18.3
79.4
27.7
62.5
39.4
62.7
24.9
84.7
45.0
49.8
78.2
84.7
.
45.0
37.0
37.6
50.6
33.1
44.5
58.4
54.8
39.9
37.6
43.4
63.5
16.0
69.5
51.6
51.5
2012
21.5
18.1
77.2
26.0
62.2
37.4
62.3
23.6
80.1
44.2
49.7
75.7
84.6
.
45.3
34.6
37.0
48.7
33.7
44.5
59.8
54.5
42.3
35.8
42.3
62.3
16.4
63.3
50.9
51.2
2013
21.2
17.9
74.5
25.1
57.5
35.7
59.9
21.9
74.1
43.5
48.9
25.6
71.5
77.8
46.4
33.5
36.0
50.9
32.4
43.4
56.9
53.7
38.1
31.9
40.4
61.0
16.5
63.3
50.0
49.5
2014
20.0
18.2
72.1
24.0
63.8
34.6
59.3
20.0
68.9
44.2
47.0
30.1
70.0
71.5
48.4
32.2
34.5
47.9
31.9
41.1
57.8
48.9
35.2
27.9
38.8
77.1
17.4
56.6
50.2
49.5
36
ECB
Payment Statistics
October 2015
9.4 Average value per transaction (cont'd)
(EUR; total for the period)
Cheques
2010 2011 2012 2013 2014
Belgium
Bulgaria
5,675.5
-
7,169.5
-
6,831.1
-
7,929.0
-
8,402.1
766.6
Czech Republic 2,307.3
2,419.0
2,281.6
2,226.5
2,263.5
Denmark
Germany
Estonia
Ireland
2,901.5
2,738.4
3,977.2
1,725.6
1,495.4
5,465.0
6,204.8
6,595.1
6,366.8
6,373.7
1,226.0
5,027.5
636.0
4,492.5
1,293.3
3,960.9
1,426.3
4,136.7
3,479.3
-
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
17,312.6
16,727.5
14,840.9
16,802.0
16,283.9
5,250.9
4,882.5
4,811.2
4,522.7
4,515.3
585.5
1,214.6
-
-
.
601.6
2,679.6
2,720.4
2,465.7
2,306.2
2,303.6
1,763.5
1,927.6
2,465.9
1,873.0
4,628.7
871.2
1,161.4
1,281.4
2,649.3
2,583.3
2,382.7
2,444.1
2,434.4
2,292.0
-
-
.
580.4
-
-
.
503.7
210.9
-
-
489.8
220.5
3,432.6
1,383.0
1,294.8
1,355.1
1,371.5
1,437.4
8,823.5
9,951.5
6,680.0
6,450.0
8,483.1
9,376.4
8,441.5
4,245.5
4,413.2
3,480.8
2,033.8
1,875.1
-
Portugal
Romania
Slovenia
Slovakia
Finland
2,143.9
2,132.2
2,030.1
1,936.9
2,186.9
2,005.2
2,442.7
2,380.3
2,539.1
2,662.0
338.2
769.8
418.1
593.8
448.8
1,141.2
385.5
668.5
895.7
-
38,206.1
33,434.3
30,782.8
29,535.7
29,060.5
Sweden 7,077.5
8,333.5
23,167.3
14,563.9
32,972.4
United Kingdom 1,146.1
1,143.7
1,244.0
1,202.7
1,336.0
Euro area total 1,220.0
1,192.3
1,104.1
1,000.9
EU total 1,208.4
1,186.8
1,138.0
1,041.5
961.5
1,029.7
2011
7.4
-
34.4
-
2.5
-
7.9
-
47.4
4.2
2.2
64.0
63.3
.
37.6
-
34.8
-
-
-
-
4.6
17.8
0.5
3.4
-
-
-
29.9
29.3
E-money payment transactions with
e-money issued by resident PSPs
2010
8.7
-
35.1
-
-
2.6
7.3
-
53.7
3.0
2.2
62.8
-
.
31.5
-
32.5
-
-
-
-
4.4
-
0.5
-
3.6
-
-
27.6
26.0
2012
6.1
-
35.0
-
2.3
-
6.3
-
44.6
2.8
2.2
66.4
58.3
.
27.2
-
48.3
41.1
-
-
-
4.9
130.5
1.4
3.6
-
-
-
32.5
32.3
2013
18.5
-
35.0
-
21.2
2.4
5.9
-
42.1
-
2.2
15.7
48.2
53.5
19.8
-
47.1
30.0
-
-
-
4.8
187.8
4.6
-
3.4
-
-
31.9
31.8
Other payment services
2014 2010 2011 2012 2013 2014
12.8
9,358.5
9,658.5
94.9
-
-
-
1,649.1
916.0
7.7
3,533.9
2,134.8
1,734.1
3,535.4
4,462.6
12.1
-
-
45.0
-
-
7.2
-
5.3
-
-
-
-
-
6.0
-
6.0
-
-
150.0
-
-
-
2.1
-
37.3
3.2
129.2
2.0
23.4
-
36.1
986.6
1,132.7
836.3
818.2
4,696.0
4,953.5
4,905.9
5,168.4
4.6
3,707.1
3,831.7
3,757.4
3,561.3
932.8
855.1
37.7
14.1
.
.
.
10,137.2
46.3
2,256.3
2,400.4
2,337.2
2,225.2
2,201.4
66.1
-
-
489.4
167.4
-
-
-
-
-
-
411.8
172.9
-
-
-
-
-
-
487.5
173.5
-
-
-
-
-
-
-
-
5,785.0
203.5
-
-
-
534.3 33,970.4
178.9
-
-
7,794.9
-
18.8
14,350.7
14,338.2
13,365.6
651.2
14.4
36,737.0
11,514.1
30,108.5
5,822.4
40.5
62.1
4.2
-
-
-
-
-
-
-
-
-
-
-
599.8
-
-
78.3
- 154,163.7
-
-
-
-
-
-
-
-
-
-
-
-
35.2
2,797.7
2,843.4
2,699.7
2,489.2
1,316.7
35.1
2,733.0
2,777.7
2,644.1
2,449.6
2,390.5
ECB
Payment Statistics
October 2015
37
9.5 Value of transactions per capita
(EUR thousands; total for the period)
Credit transfers
2010 2011 2012 2013 2014
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
338.53
48.19
164.37
106.58
110.44
623.86
698.00
101.67
118.14
45.00
354.39
50.98
164.15
42.43
69.81
81.39
228.44
226.75
329.42
375.85
.
132.68
134.45
540.36
692.82
175.37
204.30
79.79
72.75
329.25
282.87
347.16
320.55
276.01
307.21
201.61
205.07
.
330.77
53.18
153.83
43.07
357.98
53.25
117.90
45.25
598.60
46.02
123.02
98.88
116.25
135.76
708.55
694.96
643.33
146.67
172.77
154.73
140.92
62.80
60.48
46.74
234.77
218.21
247.82
367.63
352.13
363.41
130.15
132.47
119.91
562.40
333.16
281.26
242.28
286.55
219.58
70.66
64.79
65.83
1,932.74
2,097.56
2,418.57
2,675.13
2,465.61
171.59
166.56
196.65
197.68
210.15
258.39
324.61
312.57
220.72
.
53.32
264.75
1,023.04
286.05
219.63
57.90
261.11
1,030.24
297.48
231.33
Portugal
Romania
Slovenia
Slovakia
Finland
134.08
62.74
678.63
136.94
69.86
111.44
162.78
156.47
132.83
810.70
119.88
62.20
131.78
64.98
129.00
59.70
160.71
180.60
202.42
135.39
192.15
173.22
830.26
722.93
476.20
Sweden 128.89
147.72
164.69
170.66
167.41
United Kingdom 1,207.97
1,229.32
1,453.06
1,350.96
1,373.43
Euro area total
EU total
337.80
367.41
404.55
429.36
367.81
394.69
390.13
460.24
462.10
464.42
2010 2011
5.08
0.09
1.94
6.08
0.09
1.84
14.31
14.90
140.74
162.48
1.40
1.30
20.53
21.35
0.70
18.34
17.36
6.10
3.16
.
0.11
0.20
13.82
0.22
3.23
17.38
36.79
0.12
3.14
0.04
1.17
21.73
8.53
5.63
17.61
3.28
0.06
1.27
24.14
8.88
6.36
19.02
0.63
23.51
20.29
5.94
2.82
.
0.11
0.22
14.74
0.22
2.96
17.80
33.14
0.12
44.92
32.11
51.31
36.69
Direct debits
2012 2013
6.45
0.10
1.99
7.05
0.07
1.63
15.30
16.03
161.44
159.43
6.46
7.70
21.13
20.84
0.58
21.14
19.98
6.39
4.42
.
0.11
0.20
16.16
0.22
3.78
17.79
37.07
0.12
3.40
0.07
1.05
22.32
8.23
6.58
20.82
3.76
0.06
0.93
24.24
8.23
6.66
20.48
0.53
16.71
21.24
0.40
5.88
2.44
0.11
0.22
19.35
0.22
0.75
16.54
43.28
0.12
50.80
36.62
50.00
35.76
2010
0.94
0.56
9.52
0.58
1.93
5.66
3.15
0.58
0.65
2.23
5.59
2.01
3.61
.
5.07
0.20
2.15
1.27
6.62
8.75
8.45
5.40
0.11
0.77
8.52
2.07
2.04
4.99
3.26
3.56
2011
1.14
0.65
10.91
0.64
2.08
5.77
3.33
0.66
0.57
2.30
6.03
2.04
3.88
.
5.28
0.24
2.21
1.43
6.70
9.33
9.14
5.77
0.15
0.96
8.94
2.28
2.37
5.15
3.45
3.81
2014
0.45
11.35
22.89
0.46
5.21
4.01
0.11
0.19
27.68
0.21
0.22
12.97
17.92
0.13
3.59
0.08
1.07
0.70
0.42
6.33
22.42
10.76
0.03
1.86
16.12
40.90
6.94
14.03
18.91
15.69
Card payments with cards issued by resident PSPs
(except cards with an e-money function only)
2012
1.35
0.79
12.00
0.71
2.34
5.90
3.61
0.74
0.53
2.28
6.43
2.04
4.06
.
5.24
0.27
2.29
1.54
7.20
10.24
9.89
6.05
0.19
1.09
9.46
2.42
2.63
5.65
3.60
4.05
2013
1.60
0.94
12.21
0.79
2.58
6.14
3.94
0.83
0.52
2.33
6.65
1.22
2.14
3.71
5.44
0.31
2.31
2.04
7.28
10.84
10.30
6.44
0.24
1.17
9.82
2.73
2.83
6.00
3.80
4.25
2014
1.92
1.06
13.13
0.87
2.87
6.49
3.88
0.97
0.55
2.62
6.70
1.55
2.34
3.35
5.93
0.37
2.34
2.42
7.78
11.12
11.64
6.61
0.32
1.28
10.42
3.12
3.27
5.33
4.02
4.61
38
ECB
Payment Statistics
October 2015
9.5 Value of transactions per capita (cont'd)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2010
3.76
-
0.15
3.71
3.23
0.00
100.22
35.08
11.67
28.14
14.13
47.96
.
0.01
0.16
0.00
-
34.27
-
1.60
0.02
25.86
1.08
0.04
0.01
2.85
0.30
20.33
14.33
12.08
(EUR thousands; total for the period)
Cheques
2011
29.22
9.89
27.38
13.21
45.50
.
0.01
0.13
-
0.00
30.31
-
1.54
0.01
21.54
0.87
0.03
0.01
2.35
0.35
17.53
4.24
-
0.15
2.75
3.08
0.00
82.65
13.09
10.95
2012
20.69
8.62
24.83
11.27
58.05
.
0.01
0.11
0.00
-
24.53
-
1.79
0.01
17.12
0.81
0.02
0.01
1.88
0.49
16.56
3.36
-
0.14
3.00
2.77
0.00
65.37
11.32
9.67
2013
16.91
7.39
20.04
0.01
9.60
32.70
0.01
0.10
0.00
-
30.57
0.10
1.78
0.01
15.43
0.74
0.02
0.00
1.52
0.15
13.47
3.06
-
0.13
0.89
2.42
0.00
61.88
9.52
7.99
2014
13.56
7.45
18.38
0.01
8.77
80.63
0.01
0.07
1.74
0.00
32.59
0.11
0.93
0.01
15.49
0.27
0.03
0.00
1.13
0.07
13.32
2.15
0.00
0.12
0.56
2.30
-
30.36
8.50
7.32
2011
0.00
0.00
51.09
-
0.03
-
0.02
-
0.02
0.00
0.00
0.16
0.05
.
0.01
-
0.00
-
-
-
-
0.02
0.00
0.00
0.00
-
-
-
0.11
0.08
E-money payment transactions with
e-money issued by resident PSPs
2010
0.00
0.00
38.41
-
0.03
-
0.02
-
0.01
0.00
0.00
0.12
0.00
.
0.01
-
0.00
-
-
-
-
0.02
-
0.00
0.00
-
-
-
0.09
0.06
2012
0.00
-
65.58
-
0.02
-
0.02
-
0.02
0.00
0.00
0.21
0.07
.
0.02
-
0.00
0.00
-
-
-
0.02
0.00
0.00
0.00
-
-
-
0.15
0.10
2013
0.02
-
79.64
-
0.00
0.02
0.02
-
0.02
-
0.00
0.00
0.19
0.07
0.06
-
0.00
0.00
-
-
-
0.01
0.00
0.00
-
0.00
-
-
0.17
0.11
2014
0.00
-
102.50
0.00
0.06
0.01
0.01
-
0.01
0.00
0.00
0.01
0.22
0.10
0.08
0.00
0.00
0.00
0.00
-
-
0.03
0.01
0.01
0.01
-
-
0.01
0.22
0.14
2010
-
0.58
-
-
0.29
-
-
-
0.05
3.94
5.77
9.35
0.00
.
0.68
0.02
0.00
-
-
0.00
-
0.14
-
0.07
0.00
-
0.00
-
3.42
2.27
Other payment services
2011
0.04
3.34
5.78
11.46
0.00
.
0.49
-
-
-
0.32
-
-
-
0.56
0.01
0.00
-
-
0.00
-
0.11
-
0.09
0.00
-
0.00
-
3.71
2.47
2012
0.03
2.59
5.44
11.76
0.00
.
0.56
-
-
-
0.39
-
-
-
0.42
0.02
0.00
-
-
0.00
-
0.12
-
-
0.00
-
0.00
-
3.59
2.39
2013
0.02
2.19
5.01
0.74
10.72
0.00
0.59
-
-
-
0.00
-
0.46
-
0.84
0.02
0.00
-
-
0.00
-
0.24
-
-
0.00
-
0.00
-
3.28
2.18
2014
0.02
8.11
0.01
10.16
0.00
-
0.01
-
0.00
97.56
0.40
0.00
0.05
-
0.77
0.00
0.00
0.00
0.31
0.00
-
0.18
6.41
0.42
0.00
-
0.00
0.04
3.00
3.97
ECB
Payment Statistics
October 2015
39
9.6 Value of transactions as a ratio to GDP
(percentages; total for the period)
Credit transfers
2010 2011 2012 2013 2014 2010 2011
Belgium
Bulgaria
1,009.09
962.48
1,026.22
914.79
943.76
931.94
1,012.31
923.82
1,666.96
778.51
Czech Republic 1,105.52
1,053.27
1,005.97
789.65
836.63
Denmark
Germany
Estonia
Ireland
244.79
249.98
15.15
1.82
13.07
17.61
1.66
11.79
1,976.90
2,111.71
2,106.90
2,022.75
1,817.21
445.97
491.55
920.97
123.50
942.49
111.66
220.44
257.97
297.23
1,079.42
113.07
1,199.51
116.04
1,019.89
344.00
32.87
12.72
56.33
33.72
10.35
56.17
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
344.18
984.06
1,071.00
.
435.77
990.04
1,191.72
494.38
492.74
2,351.15
3,025.16
2,503.11
1,584.89
1,369.63
2,069.54
2,088.00
2,241.35
2,529.16
1,848.60
881.75
704.62
2,481.60
2,580.06
2,950.94
3,149.60
2,784.94
1,747.34
1,649.28
1,971.08
1,931.03
1,989.12
2,067.79
1,708.31
1,504.26
1,487.77
1,405.38
913.20
832.28
783.28
834.98
.
358.70
1,052.80
1,155.51
633.36
842.87
.
365.58
985.86
1,096.04
521.99
548.09
2,640.69
286.92
1,105.95
1,127.64
569.69
486.36
499.96
451.72
529.05
2,621.42
830.71
751.02
771.86
2,158.20
2,095.43
2,202.62
2,134.79
2,154.83
3.44
79.01
56.45
22.72
13.75
1.32
2.26
17.75
2.22
20.29
45.71
104.41
1.29
.
Portugal
Romania
Slovenia
Slovakia
Finland
787.86
1,002.25
820.68
1,055.92
748.54
934.60
809.36
900.30
773.56
793.81
629.78
905.70
918.45
1,035.89
1,118.80
6.60
7.06
1,264.25
1,021.98
1,014.00
1,413.31
1,247.89
175.55
185.73
1,945.37
2,218.89
2,249.85
1,939.40
1,267.71
Sweden 327.50
344.69
370.33
376.00
376.94
United Kingdom 4,180.76
4,169.16
4,507.54
4,239.32
3,937.24
18.48
0.64
24.45
14.32
60.95
19.68
0.95
24.32
14.85
64.51
3.36
102.66
64.35
21.76
12.30
.
1.08
2.10
18.13
2.18
17.89
46.23
90.08
1.26
Euro area total 1,174.92
1,251.39
1,250.85
1,331.32
1,300.83
156.23
174.77
EU total 1,589.36
1,641.33
1,730.33
1,735.05
1,696.79
126.17
140.25
Direct debits
2012 2013
18.39
1.81
13.03
19.93
1.27
10.93
34.12
35.58
480.06
464.03
47.55
53.48
55.47
53.44
3.31
94.78
62.81
23.87
19.69
.
0.98
1.81
19.72
2.24
22.03
46.20
98.51
1.21
21.20
1.01
23.11
0.87
6.02
5.32
167.15
178.29
22.31
22.07
14.79
64.59
14.67
64.27
3.21
75.49
66.11
3.92
22.20
11.61
0.96
1.87
22.78
2.18
4.21
42.70
113.63
1.17
172.77
168.67
137.66
134.28
Card payments with cards issued by resident PSPs
(except cards with an e-money function only)
2010
3.20
9.59
18.17
7.47
15.72
.
11.10
6.15
12.22
5.86
12.10
14.90
8.94
6.25
29.79
3.14
12.13
10.25
18.97
22.24
29.26
16.09
2.16
5.20
19.56
6.55
18.47
13.71
11.33
13.97
2014
29.97
0.53
12.64
35.29
115.53
45.72
34.24
2.77
50.65
71.02
4.56
19.63
19.52
0.93
1.54
31.27
2.03
1.16
33.00
46.50
1.19
21.51
1.00
5.89
5.02
1.13
14.24
64.26
63.06
57.33
2011
3.06
10.02
19.11
7.48
16.94
.
11.61
6.26
13.42
6.37
12.54
14.98
9.06
6.79
31.64
3.62
12.30
11.00
18.34
21.77
30.99
16.70
2.74
6.19
20.23
6.91
18.91
13.55
11.74
14.57
2012
3.05
10.23
20.20
7.63
18.09
.
12.53
7.12
14.65
7.11
13.64
15.31
9.60
7.42
32.71
4.10
13.11
11.50
19.50
23.03
30.69
17.27
3.32
7.14
21.09
7.20
19.35
14.83
12.25
15.23
2013
3.16
10.54
20.71
11.94
8.07
17.66
14.12
7.99
14.37
7.74
14.50
15.84
10.34
8.02
33.40
4.36
13.23
14.99
19.53
23.87
32.32
18.21
4.13
7.83
21.80
7.93
19.67
15.40
12.82
15.95
2014
3.39
11.71
20.79
15.23
8.82
16.30
16.13
8.55
14.83
8.27
15.47
16.52
10.06
9.08
35.54
4.90
12.95
17.41
20.72
25.03
33.37
18.40
5.37
8.72
22.81
8.82
21.56
13.02
13.41
16.86
40
ECB
Payment Statistics
October 2015
9.6 Value of transactions as a ratio to GDP (cont'd)
(percentages; total for the period)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2010 2011
11.20
-
0.99
12.29
-
0.97
8.53
10.22
0.01
6.22
9.32
0.00
275.04
217.49
172.96
156.44
50.27
43.17
91.49
86.80
.
52.64
48.41
208.70
198.67
.
0.11
1.72
0.00
-
0.06
1.27
-
0.00
215.20
183.06
-
4.53
0.23
4.18
0.13
151.96
129.09
17.17
13.12
0.20
0.06
8.17
0.16
0.04
6.42
0.77
70.34
0.82
59.45
49.83
47.45
44.60
41.86
Cheques
2012 2013 2014
9.58
-
0.90
8.65
-
0.85
6.69
8.24
0.02
1.97
7.04
0.03
171.61
158.68
118.21
102.19
38.66
33.39
78.03
62.37
83.21
33.23
57.03
.
0.08
0.07
42.10
36.23
33.05
258.36
155.54
392.64
0.06
1.01
0.00
-
0.05
0.81
0.00
-
0.08
0.60
1.96
0.00
142.81
171.82
175.40
0.25
0.29
4.76
0.09
4.68
0.05
2.40
0.05
106.92
12.17
0.13
0.08
5.08
1.09
51.37
94.75
10.30
0.09
0.04
4.08
0.33
42.27
92.89
3.53
0.15
0.01
3.02
0.17
38.18
5.98
0.06
0.80
1.23
6.48
-
74.11
38.50
36.35
32.12
30.01
28.33
26.75
2011
0.04
0.00
62.84
-
0.07
-
0.07
-
0.09
0.00
0.00
0.59
0.23
.
0.05
-
0.00
-
-
-
-
0.06
0.00
0.01
0.00
-
-
-
0.39
0.29
E-money payment transactions with
e-money issued by resident PSPs
2010
0.05
0.00
49.31
-
0.07
-
0.07
-
0.06
0.00
0.00
0.46
0.00
.
0.04
-
0.00
-
-
-
-
0.07
-
0.02
0.01
-
-
-
0.30
0.22
2012
0.04
-
80.02
-
0.05
-
0.06
-
0.10
0.00
0.01
0.79
0.29
.
0.11
-
0.00
0.00
-
-
-
0.06
0.00
0.01
0.00
-
-
-
0.50
0.37
2013
0.16
-
93.77
-
0.01
0.05
0.05
-
0.10
-
0.01
0.02
0.73
0.35
0.36
-
0.02
0.00
-
-
-
0.04
0.05
0.03
-
0.00
-
-
0.57
0.42
2014
0.00
-
115.78
0.00
0.30
0.02
0.03
-
0.06
0.00
0.01
0.14
0.84
0.50
0.46
0.00
0.03
0.01
0.00
-
-
0.09
0.17
0.04
0.02
-
-
0.02
0.72
0.53
2010
0.24
16.95
18.76
34.84
0.00
.
-
5.92
-
-
0.81
-
-
-
3.98
0.32
0.00
-
-
0.00
-
0.41
-
0.49
0.00
-
0.00
-
11.91
8.91
Other payment services
2011
0.23
14.59
18.32
42.00
0.00
.
4.88
-
-
-
0.87
-
-
-
3.35
0.09
0.00
-
-
0.00
-
0.31
-
0.57
0.00
-
0.00
-
12.63
9.43
2012
0.14
11.62
17.08
43.94
0.00
.
5.58
-
-
-
1.03
-
-
-
2.64
0.36
0.00
-
-
0.00
-
0.79
-
-
0.00
-
0.00
-
12.20
8.98
2013 2014
5.16
0.33
0.00
-
-
0.00
-
1.61
0.50
108.41
2.87
0.00
-
0.00
-
0.00
-
0.00
0.10
0.12
9.91
15.60
7.23
40.45
0.00
0.15
36.21
0.05
38.26
0.00
-
-
0.10
-
0.00
5.74
923.41
0.00
-
1.20
-
2.16
0.00
0.13
-
4.59
0.00
0.00
0.03
0.83
0.00
-
11.07
8.18
9.99
14.50
ECB
Payment Statistics
October 2015
41
9.7 Country's share in the total EU value of transactions
(percentages; total for the period)
Credit transfers
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2010
0.38
5.25
10.56
3.92
0.22
.
0.18
0.12
0.48
0.85
0.07
2.85
1.14
3.83
0.70
0.63
0.11
0.42
1.80
0.60
37.41
1.82
0.18
0.85
0.29
25.17
0.07
0.10
2011
54.99
56.62
100.00
100.00
0.42
4.92
11.39
3.75
0.27
.
0.20
0.10
0.51
0.77
0.05
2.48
1.20
3.67
0.67
0.65
0.16
0.33
2.03
0.65
36.09
1.80
0.17
0.80
0.29
26.48
0.07
0.09
2012
0.30
4.74
10.41
3.39
0.21
.
0.21
0.09
0.56
0.84
0.05
2.35
1.14
3.67
0.54
0.54
0.14
0.32
1.94
0.68
39.97
1.58
0.17
0.70
0.24
25.06
0.08
0.09
2013 2014
52.89
56.06
55.48
100.00
100.00
100.00
0.25
0.08
0.62
0.83
0.05
7.32
1.03
3.60
0.28
4.33
9.87
0.10
3.42
0.12
0.59
0.55
0.16
0.44
1.67
0.70
36.86
1.69
0.16
0.53
0.28
24.28
0.10
0.09
0.22
4.87
10.16
0.10
3.08
0.10
0.19
0.08
0.58
0.88
0.05
7.34
1.07
3.76
0.57
0.50
0.18
0.40
1.10
0.69
37.50
2.82
0.14
0.55
0.32
22.39
0.09
0.27
2010
0.00
0.00
0.04
0.01
0.01
1.79
1.91
0.03
0.05
5.31
7.01
2.27
0.02
.
0.21
0.01
0.01
0.73
0.28
0.33
6.87
0.34
0.00
0.13
0.49
71.53
0.01
0.58
2011
92.11
92.53
100.00
100.00
0.00
0.00
0.04
0.01
0.01
1.61
1.51
0.03
0.04
5.97
7.19
1.94
0.01
.
0.19
0.01
0.01
0.71
0.26
0.33
6.54
0.36
0.00
0.10
0.45
72.14
0.01
0.53
Direct debits
2012
0.00
0.00
0.05
0.01
0.01
1.62
1.70
0.03
0.03
5.36
7.11
2.09
0.02
.
0.19
0.01
0.01
0.65
0.24
0.34
7.20
0.39
0.00
0.11
0.46
71.77
0.05
0.53
2013
91.83
91.78
100.00
100.00
0.00
0.00
0.06
0.01
0.00
1.53
2.02
0.03
0.03
4.28
7.70
0.01
1.96
0.01
0.22
0.01
0.01
0.72
0.25
0.35
7.22
0.43
0.00
0.09
0.49
71.98
0.06
0.53
Card payments with cards issued by resident PSPs
(except cards with an e-money function only)
2014
0.06
6.60
18.95
0.02
3.96
0.04
0.00
0.01
0.19
0.03
0.00
2.74
1.92
0.06
0.47
0.02
0.03
0.05
0.03
0.77
18.11
1.50
0.00
0.24
1.14
42.14
0.11
0.81
2010
79.60
60.29
100.00
100.00
0.41
5.82
20.39
6.73
0.17
.
0.11
0.10
0.27
0.32
0.04
5.28
1.48
1.26
3.01
0.22
0.25
0.39
1.99
4.61
29.78
3.30
0.05
0.46
2.65
9.49
0.15
1.28
2011
0.33
5.61
20.57
6.41
0.17
.
0.12
0.10
0.30
0.34
0.05
5.03
1.46
1.34
2.91
0.25
0.24
0.40
1.89
4.61
30.22
3.31
0.06
0.53
2.60
9.76
0.16
1.23
2012
3.28
0.07
0.56
2.59
9.73
0.17
1.27
0.29
5.23
20.67
6.05
0.17
.
0.14
0.12
0.31
0.35
0.05
4.84
1.49
1.41
2.70
0.27
0.23
0.41
1.91
4.78
30.91
2013
0.27
5.03
20.30
0.24
6.00
0.15
0.15
0.13
0.31
0.36
0.05
4.77
1.55
1.47
2.63
0.29
0.22
0.51
1.83
4.82
30.58
3.31
0.08
0.57
2.55
10.36
0.17
1.28
2014
0.26
5.19
18.86
0.28
6.05
0.12
0.16
0.13
0.31
0.37
0.05
4.66
1.41
1.60
2.62
0.31
0.21
0.56
1.81
4.58
31.99
3.14
0.10
0.57
2.50
10.94
0.18
1.05
59.83
58.81
58.76
57.57
100.00
100.00
100.00
100.00
42
ECB
Payment Statistics
October 2015
9.7 Country's share in the total EU value of transactions (cont'd)
(percentages; total for the period)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2010
6.47
8.98
30.22
13.97
0.66
.
0.00
0.01
0.00
-
0.23
-
0.22
0.01
4.52
0.36
0.00
0.00
0.25
0.05
21.08
0.68
-
0.03
0.34
4.36
0.00
7.55
2011
78.12
79.12
100.00
100.00
5.91
8.41
32.52
14.43
0.70
.
0.00
0.01
-
0.00
0.23
-
0.23
0.01
4.14
0.32
0.00
0.00
0.23
0.06
20.18
0.85
-
0.03
0.28
4.58
0.00
6.88
Cheques
2012
4.72
8.29
33.47
13.97
1.03
.
0.00
0.01
0.00
-
0.21
-
0.31
0.01
3.70
0.33
0.00
0.00
0.21
0.10
21.68
0.76
-
0.03
0.34
4.66
0.00
6.17
2013 2014
77.50
78.18
76.64
100.00
100.00
100.00
4.59
8.47
32.48
0.00
14.32
0.69
0.00
0.01
0.00
-
0.32
0.04
0.37
0.00
3.97
0.37
0.00
0.00
0.20
0.04
21.25
0.84
-
0.03
0.12
4.89
0.00
7.01
4.00
9.28
32.61
0.00
14.30
1.84
0.00
0.01
0.03
0.00
0.37
0.05
0.21
0.01
4.32
0.14
0.00
0.00
0.17
0.02
23.07
0.64
0.00
0.03
0.09
5.07
-
3.76
E-money payment transactions with
e-money issued by resident PSPs
2010
0.48
0.00
0.32
26.21
0.00
.
0.03
0.00
68.83
-
1.66
-
0.68
-
0.23
-
0.00
-
-
-
-
0.93
-
0.11
0.49
-
-
-
2011
99.86
99.94
100.00
100.00
0.50
0.00
0.27
25.78
0.12
.
0.02
0.00
70.43
-
1.14
-
0.55
-
0.22
-
0.00
-
-
-
-
0.62
0.00
0.03
0.32
-
-
-
2012
0.41
0.00
0.23
25.90
0.12
.
0.02
-
71.14
-
0.70
-
0.36
-
0.39
-
0.00
0.01
-
-
-
0.47
0.00
0.02
0.25
-
-
-
2013
99.96
99.82
100.00
100.00
0.33
-
0.19
0.01
20.63
0.11
0.06
-
76.23
-
0.00
0.52
0.28
-
1.07
-
0.01
0.00
-
-
-
0.25
0.04
0.07
-
0.19
-
-
2014
0.15
0.00
0.33
0.08
18.40
0.12
0.00
-
78.06
0.00
0.03
0.21
0.12
-
1.08
0.00
0.01
0.01
0.00
-
-
0.50
0.10
0.09
0.63
-
-
0.05
2010
99.72
99.39
100.00
100.00
0.05
16.13
32.99
49.24
0.00
.
-
0.51
-
-
0.21
-
-
-
0.63
0.04
0.00
-
-
0.00
-
0.13
-
0.07
0.00
-
0.00
-
Other payment services
0.02
10.08
29.65
59.00
0.00
.
0.46
-
-
-
0.27
-
-
-
0.37
0.04
0.00
-
-
0.00
-
0.11
-
-
0.00
-
0.00
-
2011
0.04
12.62
30.47
55.60
0.00
.
0.40
-
-
-
0.22
-
-
-
0.48
0.01
0.00
-
-
0.00
-
0.10
-
0.08
0.00
-
0.00
-
2012 2013 2014
99.52
99.39
98.92
49.87
100.00
100.00
100.00
100.00
0.02
9.23
29.83
0.28
58.70
0.00
0.53
-
-
-
0.00
-
0.35
-
0.79
0.04
0.00
-
-
0.00
-
0.23
-
-
0.00
-
0.00
-
0.01
18.65
0.05
30.55
0.00
-
0.00
-
0.00
47.61
0.01
0.00
0.02
-
0.39
0.00
0.00
0.00
0.08
0.00
-
0.10
2.29
0.22
0.00
-
0.00
0.01
ECB
Payment Statistics
October 2015
43
10.1 Number of cards issued by resident payment service providers
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
(thousands; end of period)
2010
19,447.94
7,615.85
9,463.12
7,996.06
130,085.81
1,793.20
5,013.89
14,077.48
72,405.40
96,066.02
.
49,714.80
1,254.20
2,426.26
4,270.34
1,339.16
8,629.03
687.68
30,256.68
10,788.40
31,171.11
18,669.67
12,809.40
3,375.36
5,169.81
7,447.54
11,100.00
165,065.00
465,799.84
728,139.21
Cards with a cash function
2011
20,005.19
7,985.70
9,702.30
8,111.46
132,700.55
1,776.28
6,524.06
13,476.77
69,403.08
92,739.44
.
53,281.79
1,252.99
2,322.49
3,886.10
1,693.51
8,508.00
737.14
30,455.79
11,053.43
31,624.43
19,066.88
13,323.79
3,132.70
5,311.05
7,853.32
11,865.00
165,100.00
470,463.97
732,893.23
2012
20,647.08
8,259.63
10,068.86
8,275.45
135,344.14
1,791.65
6,538.46
12,615.39
69,138.60
92,608.54
.
60,041.93
1,265.78
2,377.58
3,632.63
1,953.74
8,340.98
797.90
30,510.47
12,214.79
33,291.11
18,708.49
13,684.25
3,170.76
4,597.17
7,873.87
12,034.00
168,993.00
479,818.75
748,776.25
2013
20,041.34
7,736.46
10,309.54
8,449.68
137,299.66
1,797.41
6,536.52
12,231.58
69,749.37
88,183.31
8,729.27
65,821.58
1,145.83
2,382.65
3,534.67
2,009.91
8,311.56
817.49
30,453.66
12,643.27
34,398.52
19,231.99
14,129.74
3,266.38
4,824.63
7,795.99
12,600.00
175,593.00
483,849.90
770,024.99
2010
11,659.50
-
1,984.27
-
95,125.53
-
-
-
2,780.73
37,257.53
.
12,362.33
0.00
-
0.00
595.41
-
-
23,822.64
8,890.98
-
300.18
0.00
-
-
-
-
-
192,794.85
194,779.12
2014
21,396.54
7,345.33
10,914.43
8,926.15
143,754.78
1,820.81
5,541.20
11,706.85
66,315.63
85,671.57
8,519.11
70,642.33
1,027.24
2,331.24
3,468.44
2,119.81
8,229.65
803.17
31,966.49
11,906.87
35,752.55
19,325.56
14,436.86
3,054.59
5,244.88
8,960.74
13,262.00
178,869.00
493,590.30
783,313.83
Cards with an e-money function
2011
12,446.60
-
720.99
-
96,509.85
-
-
-
1,912.20
33,089.38
.
14,202.90
69.29
-
0.00
0.00
-
.
24,010.66
9,521.42
-
316.46
6.39
-
-
-
-
-
192,090.61
192,811.60
2012
13,009.65
-
360.56
-
97,990.02
-
-
-
717.18
26,721.56
.
18,803.78
93.11
-
-
0.00
-
.
24,305.88
9,818.17
-
554.75
-
5.64
13.78
-
-
-
192,044.86
192,405.42
2013
13,461.00
392.38
-
0.00
99,025.62
-
-
-
23,102.24
-
83.05
21,605.95
95.10
-
0.00
-
-
.
24,472.86
9,798.82
-
1,069.14
11.17
.
14.36
-
-
-
192,662.62
193,153.25
2014
10,681.28
80.87
420.81
-
93,866.77
-
-
609.47
0.00
14,201.11
182.94
22,595.97
132.07
20.41
25,775.51
10,621.55
-
1,250.49
-
.
-
-
17.58
.
38.68
.
-
-
179,890.61
180,637.16
44
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
10.1 Number of cards issued by resident payment service providers (cont'd)
Cards with a payment function
(thousands; end of period)
Total cards
2010
19,447.94
7,615.85
9,571.29
7,996.06
127,755.03
1,794.95
5,613.43
14,216.39
71,580.78
84,863.87
.
70,038.43
1,373.10
2,426.88
4,270.34
1,339.16
8,892.42
681.69
30,256.68
10,759.98
31,983.79
19,694.55
12,831.36
3,544.18
5,198.92
7,335.09
20,034.00
146,798.00
473,699.20
727,914.14
2011
20,005.19
7,985.70
9,814.91
8,111.46
130,096.63
1,778.06
5,907.21
13,836.55
68,969.51
83,005.30
.
67,355.24
1,313.82
2,322.86
3,886.10
1,693.51
8,887.85
729.16
30,455.79
11,014.16
32,044.95
20,119.63
13,348.53
3,284.97
5,337.23
7,824.71
21,107.00
147,235.00
472,726.65
727,471.01
2012
20,647.08
8,259.63
10,166.59
8,275.45
133,188.18
1,787.33
6,044.44
13,367.31
68,799.65
82,313.04
.
68,180.10
1,271.57
2,380.86
3,632.63
1,953.74
8,908.45
786.55
30,510.47
11,413.78
33,100.06
20,317.11
13,705.01
3,294.11
4,603.65
7,862.36
21,336.00
151,600.00
476,340.46
737,705.14
2013
20,041.34
7,736.46
10,391.88
8,449.68
133,924.59
1,790.79
6,238.04
13,859.27
69,749.37
82,222.68
8,687.69
71,786.32
1,120.06
2,378.17
3,588.45
2,009.91
8,932.24
811.13
30,453.66
11,840.46
34,658.65
18,705.27
14,147.05
3,266.38
4,782.24
7,788.70
21,969.00
157,339.00
480,390.20
758,668.48
2014
21,949.24
7,227.08
10,989.13
8,926.15
133,952.98
1,814.44
6,164.05
12,953.09
67,993.67
81,040.21
8,472.65
73,642.12
1,102.67
2,326.46
3,520.13
2,119.81
8,869.56
837.56
31,966.49
12,162.13
36,068.82
18,633.82
14,446.62
3,155.33
5,259.73
8,957.65
22,100.00
159,013.00
486,031.43
765,664.57
2010
15,132.40
6,623.42
7,888.88
5,978.16
102,413.71
1,401.00
3,385.41
9,013.37
28,616.90
71,054.43
.
36,173.67
804.58
1,946.35
3,704.50
535.24
7,553.21
508.41
24,412.72
8,104.58
22,751.64
-
10,582.57
2,742.47
4,341.59
6,326.01
8,155.00
84,642.00
313,565.51
474,792.24
Cards with a debit function
2011
15,706.96
7,007.16
7,988.05
6,096.86
103,957.38
1,408.71
3,769.94
9,656.39
27,078.95
69,091.44
.
37,550.47
756.37
1,841.09
3,480.31
782.42
7,680.69
552.70
24,444.92
8,302.51
24,785.33
-
11,182.11
2,502.53
4,521.50
6,743.35
8,657.00
86,325.00
316,826.55
481,870.15
2012
16,196.78
7,282.18
8,279.53
6,466.76
105,593.64
1,431.70
3,988.95
9,982.30
27,467.96
80,109.81
.
39,707.21
782.67
1,873.57
3,233.06
610.17
7,676.93
601.22
24,662.62
8,559.50
26,549.62
-
11,421.19
2,528.67
3,978.69
6,804.72
8,857.00
88,553.00
333,006.62
503,199.46
2013
15,684.40
6,934.15
8,777.34
6,681.53
105,233.09
1,442.84
4,236.55
10,894.32
26,484.90
80,084.87
6,798.98
44,215.63
715.00
1,848.95
3,057.86
636.06
7,595.44
624.98
24,493.95
8,863.41
28,235.52
-
11,911.01
2,530.18
4,159.21
6,732.40
8,995.00
95,689.00
337,031.80
523,556.58
2014
16,223.48
6,286.36
9,399.24
7,125.27
102,825.63
1,470.61
4,361.85
6,974.53
24,416.66
41,808.46
6,750.69
47,036.19
832.98
1,776.47
2,874.07
664.98
7,473.96
651.08
25,577.63
9,019.75
29,744.96
-
12,135.41
2,386.96
4,354.98
7,117.97
9,529.00
95,663.00
297,500.21
484,482.17
ECB
Payment Statistics
October 2015
45
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
10.1 Number of cards issued by resident payment service providers (cont'd)
Cards with a payment function
(thousands; end of period)
Cards with a delayed debit function
2010
4.89
-
-
-
21,751.93
-
-
75.68
24,279.12
-
.
-
73.96
104.39
16.51
-
-
-
-
1,400.35
330.86
-
19.52
679.07
4.62
-
665.00
2,403.00
48,264.73
51,808.90
2011
5.05
-
-
-
22,680.80
-
-
49.85
-
22,300.28
.
-
71.83
167.74
16.59
-
-
-
-
1,414.03
310.45
-
20.79
661.52
4.36
-
656.00
2,192.00
47,182.67
50,551.30
2012
4.96
-
-
-
23,909.57
-
-
42.57
-
23,379.33
.
-
52.93
193.15
15.73
-
-
-
-
1,482.98
293.35
-
17.49
653.39
7.25
-
709.00
2,324.00
49,528.02
53,085.70
2013
-
-
4.87
-
24,789.37
-
-
38.46
-
23,809.00
1,226.77
-
50.29
211.44
21.96
-
-
-
-
1,588.00
289.48
-
16.16
623.62
3.85
-
688.00
2,262.00
50,902.58
55,623.26
2014
2.01
5.03
-
-
26,228.20
0.00
-
2,866.48
-
7,318.86
1,061.32
0.00
236.96
-
22.39
0.00
-
-
2,651.25
1,724.61
281.86
-
9.57
652.05
12.65
362.55
702.00
2,150.00
42,053.61
46,287.78
2010
-
992.43
1,677.51
2,017.90
3,589.39
393.96
2,228.02
5,127.35
-
31,612.57
.
-
492.14
395.17
565.83
803.91
1,367.93
173.28
-
1,255.04
8,901.29
-
2,241.01
122.64
852.71
-
5,548.00
55,601.00
46,257.04
125,959.07
Cards with a credit function
2011
-
978.55
1,821.81
2,014.60
3,458.46
369.36
2,137.27
4,130.31
-
27,562.07
.
-
482.69
332.00
405.79
911.08
1,305.96
176.46
-
1,297.61
6,949.17
-
2,156.29
120.92
811.37
-
5,591.00
54,483.00
41,457.60
117,495.77
2012
-
977.45
1,882.09
1,808.69
3,684.98
355.63
2,055.49
3,342.44
-
26,842.71
.
-
433.00
331.46
399.57
1,343.57
1,256.60
185.33
-
1,371.30
6,448.14
-
2,273.25
112.05
617.70
-
5,361.00
56,443.00
40,344.20
117,525.45
2013
-
802.31
1,609.67
1,768.16
3,902.13
347.94
2,001.49
2,926.49
19,611.24
-
360.13
350.67
340.83
-
530.59
1,373.85
1,351.03
186.15
-
1,389.05
6,133.65
-
2,227.32
112.58
619.18
-
5,749.00
55,362.00
32,820.76
109,055.44
2014
2,102.09
937.93
1,584.86
1,800.89
4,899.14
343.83
1,615.26
3,112.09
-
6,943.18
212.93
-
379.84
343.69
646.06
1,454.82
1,392.37
186.48
448.68
1,417.77
6,042.00
-
2,301.64
116.32
892.10
1,730.02
5,216.00
56,927.00
25,985.30
103,046.97
46
ECB
Payment Statistics
October 2015
10.1 Number of cards issued by resident payment service providers (cont'd)
Cards with a payment function
(thousands; end of period)
Cards with a debit and/or delayed debit function
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2014
1,795.32
0.00
-
-
0.00
-
-
0.00
13,461.96
-
37.10
0.00
-
-
0.00
-
-
-
16,955.27
-
-
-
0.00
-
-
-
1,792.00
-
32,212.55
34,041.65
2013
-
11,607.69
28.06
-
4.10
-
-
16,800.37
-
-
-
-
-
-
1,746.00
-
-
-
-
-
-
-
-
-
-
-
-
-
28,412.16
30,186.22
2012
-
11,661.10
.
2.96
-
-
-
10,226.90
-
-
-
-
-
-
1,687.00
-
-
-
-
-
-
-
-
-
-
-
-
-
21,890.96
23,577.96
2011
-
7,862.82
.
2.92
-
-
-
10,005.51
-
-
-
-
-
-
1,619.00
-
-
-
-
-
-
-
-
-
-
-
-
-
17,871.26
19,490.26
2010
12,785.54
-
.
2.42
-
-
10,391.15
-
-
-
-
-
-
-
0.00
-
-
-
1,675.00
-
-
-
-
-
-
-
-
-
23,179.10
24,854.10
Cards with a credit and/or delayed debit function
2011
4,298.22
-
-
-
-
-
-
-
41,890.56
7,483.89
.
29,804.77
0.00
-
6,010.87
-
-
10,114.12
-
-
-
-
-
3,632.28
-
-
4,584.00
4,236.00
103,234.70
112,054.70
2010
4,315.54
-
-
-
-
-
-
-
42,963.88
8,594.20
.
33,864.75
0.00
-
5,843.96
-
-
9,303.40
-
-
-
-
0.00
-
-
3,458.17
3,991.00
4,151.00
108,343.90
116,485.90
2012
4,450.30
-
-
-
-
-
-
-
41,331.69
8,105.83
.
28,472.89
0.00
-
5,847.85
-
-
10,090.21
-
-
-
-
-
3,582.28
-
-
4,722.00
4,280.00
101,881.05
110,883.05
2013
4,356.94
-
-
-
-
-
-
-
43,264.47
7,512.81
273.75
27,570.69
0.00
-
5,959.71
-
-
8,493.47
-
-
-
-
-
3,700.82
-
-
4,791.00
4,026.00
100,858.90
109,949.65
2014
1,828.36
0.78
-
-
-
-
-
0.00
43,577.01
17,976.31
410.62
26,605.93
0.00
-
-
0.00
-
-
3,288.94
-
-
7,751.78
0.00
-
-
2,515.86
4,861.00
4,273.00
103,544.18
113,089.57
ECB
Payment Statistics
October 2015
47
10.2 Increase/decrease in the number of cards issued by resident payment service providers
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
(annual percentage changes)
Cards with a cash function
2011
-4.27
-4.15
-3.46
7.17
-0.10
.
-4.28
-9.00
26.46
-1.40
7.19
0.66
2.46
1.45
2.13
4.02
-7.19
2.73
5.45
6.89
0.02
2.87
4.86
2.53
1.44
2.01
-0.94
30.12
0.61
0.65
2012
-1.88
2.71
1.21
-13.44
0.26
1.42
2.36
-6.39
-0.38
-0.14
12.69
1.02
.
2.37
-6.52
15.37
-1.96
8.24
0.18
10.51
5.27
3.21
3.43
3.78
2.02
1.99
0.87
0.22
1.99
2.17
2013
-3.04
0.88
-4.78
9.63
-9.48
.
0.21
-2.70
2.87
-0.35
2.46
-0.19
3.51
3.33
2.80
3.26
3.02
4.95
-0.99
4.70
3.91
-2.93
-6.33
2.39
2.11
1.44
0.32
-0.03
0.84
.
2014
6.76
-5.06
5.87
5.64
4.70
1.30
-15.23
-4.29
-4.92
-2.85
-2.41
7.32
-10.35
-2.16
-1.87
5.47
-0.99
-1.75
4.97
-5.82
3.94
0.49
2.17
-6.48
8.71
14.94
5.25
1.87
1.51
1.73
Cards with an e-money function
2011
6.75
-
-63.66
1.46
-
-
-
-
-31.23
-11.19
14.89
-
.
0.79
-
7.09
-
-
-
-
-
5.42
-
-
-
-
-
-
.
.
2012
4.52
-
-49.99
1.53
-
-
-
-62.49
-
-19.24
32.39
34.38
.
107.82
1.23
3.12
-
-
-
-
-
75.29
-
-
115.50
-
-
-
.
.
2013
-13.54
-
-
14.90
2.14
.
-43.95
0.69
-0.20
-
-
-
-
-
92.73
-
97.96
4.19
-
-
-
3.47
-
8.83
1.06
-
-
-
.
.
2014
-20.65
-
7.24
-
-5.21
-
-
-
-
-38.53
120.28
4.58
38.88
679.49
5.32
8.40
-
-
-
-
-
16.96
307.25
57.40
169.44
-
-
-
.
.
Cards with a payment function
(except cards with an e-money function only)
2011
-2.67
-3.65
-2.19
-3.83
-4.32
.
-4.29
-9.00
26.46
-0.05
6.96
0.66
2.36
0.19
2.16
4.03
-7.31
2.66
6.67
5.36
0.30
2.87
4.86
2.55
1.44
1.83
-0.94
5.23
-0.58
-0.06
2012
0.98
2.67
0.28
-13.74
0.48
1.08
2.96
-3.39
-0.25
-0.83
1.22
-3.22
.
2.50
-6.52
15.37
0.23
7.87
0.18
3.63
3.29
3.21
3.43
3.58
2.02
2.38
0.52
2.32
0.76
1.41
2013
3.68
1.38
-0.11
5.29
-11.92
.
-0.11
-1.22
2.87
0.27
3.13
-0.19
3.74
4.71
-7.93
3.23
-0.84
3.88
-0.94
2.97
3.79
-2.93
-6.33
2.22
2.11
0.55
0.19
3.20
0.85
.
2014
-6.54
-2.52
-1.44
-2.48
2.59
-1.55
-2.17
-1.90
5.47
-0.70
3.26
4.97
2.72
4.07
-0.38
2.12
-3.40
9.98
15.01
0.60
1.06
9.52
-6.58
5.75
5.64
0.02
1.32
-1.19
0.68
0.92
48
ECB
Payment Statistics
October 2015
10.3 Number of cards issued by resident payment service providers per capita
(end of period)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2010
1.16
1.38
2.64
0.86
1.66
1.82
1.29
0.81
1.26
1.56
1.48
0.83
1.51
.
1.77
0.63
1.65
0.95
1.39
1.18
2.63
1.79
1.01
0.90
1.44
1.59
1.34
1.10
1.41
1.45
Cards with a cash function
2011
1.13
1.28
3.26
0.85
1.77
1.82
1.32
0.82
1.21
1.48
1.42
0.89
1.47
.
1.81
0.66
1.53
0.98
1.46
1.26
2.61
1.82
1.09
0.92
1.46
1.62
1.34
1.43
1.42
1.46
2012
1.17
1.22
3.68
0.84
1.90
1.82
1.45
0.86
1.14
1.48
1.41
1.00
1.47
.
1.78
0.68
1.54
0.85
1.45
1.26
2.65
1.87
1.13
0.96
1.48
1.65
1.35
1.42
1.44
1.49
2013
1.18
1.20
3.69
0.84
1.93
1.81
1.49
0.89
1.11
1.50
1.34
2.05
1.09
1.33
1.84
0.71
1.59
0.89
1.43
1.31
2.74
1.80
1.06
0.98
1.51
1.67
1.36
1.42
1.45
1.51
2014
1.17
1.18
3.80
0.83
1.88
1.90
1.39
0.93
1.06
1.43
1.29
2.01
1.16
1.20
1.86
0.72
1.48
0.97
1.64
1.37
2.77
1.92
1.02
1.04
1.58
1.75
1.38
1.20
1.47
1.54
2010
0.00
-
1.17
-
1.43
-
1.06
-
0.06
-
0.57
0.21
0.00
.
0.03
0.00
-
-
-
-
-
1.07
-
0.19
1.16
-
-
-
0.58
0.39
Cards with an e-money function
2011
0.00
-
0.00
-
0.01
1.44
1.14
-
0.04
-
0.51
0.24
0.08
.
0.03
-
0.00
-
-
-
-
1.13
-
0.07
1.18
-
-
-
0.58
0.38
2012
0.00
-
-
-
0.03
1.45
1.17
-
0.02
-
0.41
0.31
0.11
.
0.05
-
0.00
0.00
-
-
-
1.18
-
0.03
1.20
-
-
-
0.58
0.38
2013
0.00
-
-
-
0.02
1.46
1.16
-
-
-
0.35
0.02
0.36
0.11
0.10
0.00
0.01
0.00
-
-
-
1.21
-
0.04
0.00
1.21
-
-
0.58
0.38
2014
0.01
-
-
-
0.12
1.53
1.24
-
0.06
0.00
0.21
0.04
0.37
0.15
0.12
0.00
0.01
0.01
0.01
-
-
0.96
0.01
0.04
1.14
-
-
-
0.53
0.35
2011
1.13
1.28
3.26
0.89
1.75
1.82
1.31
0.83
1.24
1.48
1.27
1.12
1.54
.
1.91
0.66
1.60
0.99
1.45
2.23
2.33
1.82
1.09
0.94
1.46
1.59
1.34
1.29
1.42
1.45
Cards with a payment function
(except cards with an e-money function only)
2010
1.16
1.38
2.64
0.89
1.64
1.82
1.29
0.83
1.27
1.54
1.31
1.17
1.66
.
1.86
0.63
1.73
0.96
1.37
2.14
2.34
1.79
1.01
0.91
1.44
1.56
1.35
1.23
1.44
1.45
2012
1.17
1.22
3.68
0.90
1.88
1.82
1.35
0.86
1.21
1.47
1.25
1.13
1.47
.
1.93
0.68
1.60
0.85
1.45
2.24
2.38
1.87
1.13
0.97
1.48
1.63
1.35
1.32
1.43
1.47
2013
1.18
1.21
3.69
0.90
1.92
1.81
1.40
0.90
1.26
1.50
1.25
2.04
1.18
1.30
1.79
0.71
1.59
0.88
1.43
2.29
2.45
1.80
1.06
0.99
1.51
1.63
1.36
1.36
1.44
1.49
2014
1.17
1.20
3.80
0.90
1.96
1.90
1.42
0.94
1.18
1.46
1.22
2.00
1.21
1.29
1.79
0.72
1.53
0.97
1.64
2.28
2.46
1.97
1.00
1.04
1.58
1.63
1.38
1.34
1.44
1.50
ECB
Payment Statistics
October 2015
49
11.1 Number of terminals provided by resident payment service providers
(thousands; end of period)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2010
59.26
56.24
.
51.36
0.67
1.36
1.57
0.44
4.84
0.19
7.92
8.19
16.90
17.63
15.58
5.72
3.74
2.87
82.48
0.91
3.27
8.65
10.36
1.81
2.34
2.86
3.57
63.14
318.88
433.87
ATMs
2012
56.26
58.54
.
50.75
0.70
1.27
1.32
0.44
4.79
0.22
7.57
8.35
18.67
16.76
15.66
5.64
4.11
2.71
82.61
0.83
3.06
8.32
10.99
1.79
2.51
2.27
3.42
66.13
316.62
435.66
2011
57.24
58.17
.
51.84
0.70
1.21
1.31
0.45
4.91
0.20
7.80
8.25
17.50
17.30
15.77
5.79
3.94
2.80
84.10
0.88
3.19
8.55
11.01
1.85
2.41
2.28
3.57
64.37
320.97
437.35
2013
52.22
58.64
4.12
50.04
0.66
1.18
1.26
0.46
4.83
0.22
7.38
8.53
18.90
16.14
14.86
5.85
4.40
2.61
82.84
0.77
3.07
7.24
10.77
1.78
2.58
2.24
3.24
67.96
309.67
434.79
2014
50.45
114.87
4.22
49.65
0.47
1.07
1.28
0.49
4.88
0.21
7.17
8.72
20.53
15.77
10.01
5.62
4.44
2.53
85.42
0.72
2.63
6.98
11.54
1.69
2.71
2.21
3.23
69.38
361.23
488.88
2010
1,389.03
1,426.71
.
1,348.33
23.86
.
36.84
12.83
78.44
11.98
258.59
107.63
252.65
278.43
138.26
60.76
96.96
110.39
678.18
25.90
80.00
412.90
113.95
35.62
37.45
197.00
203.12
1,252.70
6,437.32
8,692.88
2011
1,362.82
1,443.73
.
1,434.96
24.32
24.72
38.15
12.72
84.68
.
279.61
107.40
267.41
274.08
140.93
64.43
102.60
125.45
710.91
29.77
153.11
361.87
124.92
34.17
39.75
190.00
205.53
1,360.57
6,612.60
9,011.05
POS terminals
2012
1,316.26
1,400.00
.
1,510.61
26.11
24.61
32.42
11.79
85.54
.
267.57
112.61
298.35
259.83
136.25
68.92
108.73
132.20
720.00
27.16
152.14
321.19
126.26
38.67
40.34
175.00
213.39
1,639.27
6,528.82
9,258.50
2014
1,224.11
1,607.05
99.52
1,847.46
22.90
28.47
39.17
127.56
104.90
13.62
282.56
122.11
398.18
269.89
183.21
76.25
101.08
139.24
881.18
28.76
40.76
130.44
130.52
32.88
45.65
156.90
196.99
1,701.87
7,045.51
10,033.21
2013
70.75
95.72
144.98
-
743.62
27.46
154.16
279.16
1,125.05
1,344.40
92.22
1,584.19
21.49
25.92
34.64
11.61
90.80
.
249.19
118.75
326.35
259.43
128.04
35.59
41.89
196.00
195.71
1,653.91
6,205.34
9,064.36
50
ECB
Payment Statistics
October 2015
11.1 Number of terminals provided by resident payment service providers (cont'd)
(thousands; end of period)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2011
20.43
96.01
.
0.00
-
-
0.00
0.00
-
-
2.91
7.97
-
-
107.52
2.86
-
0.00
52.64
-
-
-
-
-
-
-
-
-
287.48
290.34
2010
112.39
6.47
-
0.00
52.55
-
-
-
22.24
106.77
.
0.00
-
-
0.00
0.49
-
-
3.76
6.49
-
-
0.00
-
-
-
-
-
304.69
311.15
E-money card-loading/unloading terminals
2012
10.48
39.18
.
0.00
-
-
0.00
-
-
-
2.68
8.11
-
-
0.06
-
0.00
-
53.83
-
-
-
-
-
-
-
-
-
114.28
114.34
2013
29.54
-
-
-
0.00
-
-
0.00
-
-
2.44
8.16
-
-
-
-
0.16
-
53.95
-
-
-
-
-
-
.
-
-
94.09
118.10
2014
0.00
21.24
-
45.70
0.00
0.00
0.00
-
-
-
1.34
8.97
-
-
12.71
0.32
0.18
-
68.29
-
0.00
0.00
0.00
.
0.00
-
-
-
158.24
183.95
2010
23.46
133.71
.
0.00
-
-
0.00
8.46
-
-
68.27
79.16
-
278.43
65.58
9.56
-
0.00
236.58
-
-
-
0.00
-
-
-
-
-
893.65
903.21
E-money card-accepting terminals
2011
16.31
124.73
.
0.00
-
-
0.00
0.00
-
-
42.51
78.05
-
274.08
61.58
3.87
-
0.00
236.09
-
-
-
-
-
-
-
-
-
833.34
837.21
2012
5.02
70.98
.
-
0.00
-
-
0.00
-
-
36.76
85.37
-
259.83
-
-
1.30
0.00
218.60
-
-
-
-
-
-
-
-
-
676.56
677.86
2013
46.95
-
-
0.00
-
-
0.00
-
-
-
30.96
87.73
259.43
-
5.56
-
-
-
217.42
-
-
-
-
-
-
.
-
-
642.49
671.89
2014
0.00
45.40
-
612.42
0.00
0.00
-
0.00
-
-
17.76
13.71
-
269.89
189.77
77.89
5.87
-
419.66
-
0.00
0.00
0.00
.
45.07
-
-
-
1,613.67
1,722.63
ECB
Payment Statistics
October 2015
51
11.2 Increase/decrease in the number of terminals provided by resident payment service providers
(annual percentage changes)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2011
-3.41
3.43
.
0.94
3.56
-11.32
-16.93
2.95
1.32
5.41
-1.52
0.75
3.54
-1.91
1.23
1.29
5.16
-2.75
1.97
-3.72
-2.24
-1.18
6.23
1.71
2.82
-20.18
0.00
1.95
0.37
0.80
2011
-1.89
1.19
.
6.42
-0.24
3.60
3.57
-0.87
7.95
3.95
8.13
-0.22
5.84
-1.56
1.93
6.03
5.82
13.64
4.83
14.96
91.38
-12.36
9.62
-4.08
6.15
-3.55
1.19
8.61
2.31
3.66
2014
-3.40
95.89
2.38
-0.78
-29.37
-9.26
1.74
6.52
1.04
-4.17
-2.95
2.26
8.61
-2.29
-32.62
-3.98
0.98
-3.03
3.12
-6.36
-14.42
-3.67
7.15
-4.68
4.88
-1.38
-0.19
2.09
16.21
12.44
2013
-7.18
0.17
.
-1.39
-5.41
-7.32
-4.69
3.84
0.94
0.00
-2.46
2.16
1.26
-3.68
-5.09
3.65
7.14
-3.66
0.27
-6.88
0.36
-13.00
-1.96
-0.78
2.91
-1.06
-5.24
2.77
-2.19
.
ATMs
2012
-1.72
0.63
.
-2.11
0.57
5.22
1.38
-2.42
-2.49
10.77
-2.95
1.22
6.67
-3.10
-0.69
-2.59
4.35
-3.18
-1.77
-5.91
-4.10
-2.65
-0.17
-3.04
4.28
-0.74
-4.21
2.74
-1.35
-0.39
POS terminals
2012
-3.42
-3.03
.
5.27
7.36
-0.43
-15.03
-7.32
1.02
6.59
-4.31
4.86
11.57
-5.20
-3.32
6.98
5.97
5.39
1.28
-8.77
-0.63
-11.24
1.07
13.16
1.46
-7.89
3.82
20.48
-1.27
2.75
2013
-14.53
-3.97
.
4.87
-17.68
5.31
6.83
-1.55
6.14
0.56
-6.87
5.45
9.39
-0.16
2.66
-11.96
9.66
-
3.28
1.09
1.32
-13.09
1.42
-7.94
3.84
12.00
-8.28
0.89
.
.
2014
8.81
19.54
7.91
16.62
6.54
9.85
13.08
998.89
15.53
2.01
13.39
2.82
22.01
4.03
-
7.78
5.60
-3.96
18.50
4.75
-73.56
-53.27
1.94
-7.62
8.99
-19.95
0.65
2.90
.
.
52
ECB
Payment Statistics
October 2015
11.2 Increase/decrease in the number of terminals provided by resident payment service providers (cont'd)
(annual percentage changes)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2012
-48.72
-59.19
.
-
-
-
-7.64
1.68
-
-
-
-
-
-
-
-
-97.90
-
2.26
-
-
-
-
-
-
-
-
-
.
.
E-money card-loading/unloading terminals
2011
-8.16
-10.08
.
-
-
-
-22.80
22.88
-
-
-
-
-
-
-4.33
-55.72
-
-
0.18
-
-
-
-
-
-
-
-
-
-5.65
.
2013
-24.61
-
.
-
-
-
-9.06
0.68
-
-
-
-
-
-
163.33
-
-
-
0.22
-
-
-
-
-
-
-
-
-
.
.
2014
-28.11
-
-
-
-
-
-45.16
9.89
-
-
-
-
-
-
15.82
-
-
-
26.58
-
-
-
5.67
-
-
-
-
-
.
.
2011
-30.47
-6.72
.
-
-
-
-37.73
-1.41
-
-1.56
-
-
-
-
-6.10
-
-59.48
-
-0.21
-
-
-
-
-
-
-
-
-
-6.75
.
E-money card-accepting terminals
2012
-69.22
-43.09
.
-
-
-
-13.53
9.39
-5.20
-
-
-
-
-
-66.35
-
-
-
-7.41
-
-
-
-
-
-
-
-
-
.
.
2013
-33.85
-
.
-
-
-
-15.76
2.75
-
-0.16
-
-
-
-
-
-
326.71
-
-0.54
-
-
-
-
-
-
-
-
-
.
.
2014
-
-3.31
-
-
-
-
-42.65
-84.37
-
4.03
-
-
-
-
-
-
5.52
-
93.02
-
-
-
5.67
-
-
-
-
-
.
.
ECB
Payment Statistics
October 2015
53
11.3 Number of terminals provided by resident payment service providers per million inhabitants
(end of period)
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2010
1,431.22
758.93
355.80
518.12
1,008.81
685.52
716.04
775.81
1,272.76
865.62
.
858.37
812.59
648.93
507.22
868.97
484.30
446.35
476.70
978.94
438.82
1,667.63
511.74
885.39
430.76
533.06
380.25
1,006.02
966.72
866.20
ATMs
2012
1,416.50
772.25
390.70
483.99
1,008.46
624.81
666.86
750.40
1,202.96
892.39
.
841.01
812.55
624.49
442.80
833.49
482.34
514.97
451.83
990.59
484.43
1,593.94
547.70
869.81
463.91
418.36
358.85
1,038.13
950.63
865.72
2011
1,436.24
788.21
374.88
501.80
1,028.41
661.80
697.38
768.75
1,224.81
890.89
.
863.15
820.33
586.26
430.96
874.09
492.09
468.44
467.20
983.01
454.24
1,638.25
546.27
898.76
445.53
423.51
377.39
1,017.13
966.35
871.17
2013
1,338.23
804.34
418.53
464.46
1,008.92
584.00
667.56
656.71
1,120.79
890.06
968.42
825.14
770.36
584.75
426.35
843.57
488.22
510.20
439.46
1,005.87
490.96
1,543.71
538.98
861.84
476.81
412.02
337.17
1,060.17
927.84
855.13
2014
897.55
776.32
422.10
447.99
1,037.19
548.72
569.68
634.60
1,085.68
1,735.98
997.21
816.72
550.14
535.41
438.05
877.66
494.60
484.30
424.87
1,020.61
533.49
1,516.47
578.62
820.65
499.58
404.61
333.23
1,074.09
1,073.64
959.62
2010
12,703.76
8,064.73
9,218.95
19,900.67
8,295.07
19,422.49
17,544.73
37,019.96
29,831.60
21,958.18
.
22,536.14
29,390.70
11,375.17
11,893.65
25,288.67
7,844.08
28,914.06
15,566.16
12,872.64
6,559.49
26,333.71
5,628.20
17,386.59
6,896.90
36,730.43
21,658.65
19,960.42
19,515.36
17,354.99
2011
12,837.31
8,767.30
9,774.91
22,521.54
8,693.09
22,389.26
33,450.04
32,532.82
29,159.80
22,111.14
.
23,892.07
28,580.96
12,004.91
12,599.92
24,493.65
8,491.81
29,925.19
16,750.25
12,802.83
6,940.95
25,960.45
6,200.22
16,644.75
7,364.43
35,261.59
21,751.15
21,499.04
19,908.94
17,949.44
POS terminals
2012
12,326.13
9,433.35
10,346.18
23,645.86
8,789.38
20,495.77
33,145.60
28,955.22
28,145.46
21,343.09
.
25,035.33
30,220.67
12,101.39
10,851.23
22,184.38
8,623.07
31,656.34
15,972.36
13,364.57
7,742.41
24,710.98
6,293.81
18,799.40
7,461.00
32,323.61
22,416.12
25,732.16
19,602.25
18,398.11
2014
16,420.90
10,542.64
9,605.24
24,674.82
10,699.39
21,858.19
8,831.73
11,865.79
26,345.33
24,287.11
23,510.46
30,388.22
26,860.87
14,272.14
13,372.33
228,477.52
10,631.46
31,867.59
16,755.28
14,291.55
10,346.51
25,948.31
6,543.29
15,947.85
8,424.93
28,725.40
20,315.90
26,346.32
20,940.61
19,693.93
2013
-
9,731.29
9,107.18
25,828.97
9,057.21
20,797.61
33,499.31
25,314.20
24,146.12
20,406.52
21,661.09
26,121.73
24,935.64
12,876.01
11,710.16
21,287.36
9,177.63
31,538.23
14,832.98
14,008.35
8,476.08
24,808.32
6,406.70
17,282.44
7,737.85
36,036.04
20,385.50
25,799.58
18,592.49
17,827.38
54
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
11.3 Number of terminals provided by resident payment service providers per million inhabitants (cont'd)
(end of period)
2011
9,793.95
-
272.75
0.00
643.73
-
-
-
437.11
1,470.41
.
0.00
-
-
0.00
0.00
-
-
174.03
950.23
-
-
-
-
-
-
-
-
865.52
578.34
2010
10,326.84
614.80
-
0.00
642.76
-
-
-
477.70
1,643.23
.
0.00
-
-
0.00
961.58
-
-
226.52
775.86
-
-
0.00
-
-
-
-
-
923.68
621.20
E-money card-loading/unloading terminals
2012
224.03
597.32
.
0.00
-
-
0.00
-
-
-
160.16
961.87
-
-
5.71
-
0.00
-
657.18
-
-
-
-
-
-
-
-
-
343.12
227.21
2013
-
448.37
-
-
0.00
-
-
0.00
-
-
145.24
962.58
-
-
15.03
-
-
-
657.14
-
-
-
1,193.10
-
-
-
-
-
281.92
232.26
2014
1,139.46
44.38
17.39
-
829.22
-
0.00
0.00
0.00
320.94
-
751.64
0.00
0.00
0.00
-
-
-
79.34
1,049.52
-
-
1,263.23
0.00
0.00
-
-
-
470.33
361.06
2010
6,025.91
-
908.60
0.00
2,893.67
-
-
-
503.82
2,057.92
.
0.00
-
-
0.00
16,677.83
-
-
4,109.44
9,467.93
-
26,333.71
0.00
-
-
-
-
-
2,709.18
1,803.21
E-money card-accepting terminals
2011
5,609.40
-
368.88
0.00
2,886.88
-
-
-
348.98
1,910.21
.
0.00
-
-
0.00
0.00
-
-
2,546.52
9,303.89
-
25,960.45
-
-
-
-
-
-
2,508.97
1,667.67
2012
-
-
123.99
0.00
2,668.59
-
-
-
107.36
1,082.02
.
-
0.00
-
-
0.00
-
-
2,194.13
10,131.84
-
24,710.98
-
-
-
-
-
-
2,031.32
1,347.02
2013
528.98
-
-
-
2,648.12
-
-
-
712.68
-
-
0.00
-
-
0.00
-
-
-
1,842.98
10,348.31
24,808.32
-
1,193.10
-
-
-
-
-
1,925.02
1,321.44
2014
17,008.60
10,769.25
557.51
-
5,095.50
-
0.00
0.00
0.00
686.12
-
10,073.54
0.00
0.00
-
0.00
-
-
1,052.95
1,604.41
-
25,948.31
1,263.23
0.00
8,318.45
-
-
-
4,796.15
3,381.31
ECB
Payment Statistics
October 2015
55
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
12.1 Number of cash withdrawals and loading/unloading transactions at terminals
Cash withdrawals at ATMs provided by resident PSPs
(millions; total for the period)
With cards issued by non-resident PSPs With cards issued by resident PSPs
2010
39.76
35.24
.
1.26
1.53
1.25
1.30
1.39
4.22
1.02
17.36
-
9.92
-
9.25
3.91
11.66
-
1.11
-
10.33
8.06
4.29
1.11
3.33
1.50
5.00
-
141.06
173.79
2011
41.64
37.14
.
1.46
1.59
1.50
1.47
1.50
4.60
1.37
19.73
-
10.81
-
9.05
4.31
8.66
-
1.20
-
10.46
8.72
4.50
1.61
3.28
1.60
5.00
-
151.15
181.18
2012
41.69
39.41
.
3.35
1.61
2.88
1.61
1.64
5.56
1.19
19.62
-
11.91
-
8.84
4.78
9.51
-
1.27
-
13.24
8.36
5.05
2.01
3.63
1.57
5.00
-
159.35
193.74
2013
42.48
40.49
2.38
4.69
1.60
3.59
1.91
1.61
6.02
1.37
19.02
-
12.99
-
8.80
4.18
9.08
-
-
1.28
25.58
7.13
5.62
1.88
3.90
1.50
4.00
-
174.33
211.11
2014
42.76
35.13
8.36
2.24
1.93
3.27
2.28
1.62
5.82
1.16
12.76
8.46
14.67
-
10.28
6.12
3.28
-
37.64
1.28
30.70
9.82
6.09
2.49
2.61
1.44
2.21
-
220.25
254.41
2010
391.12
104.46
156.69
-
2,040.19
43.77
178.11
189.44
947.70
1,601.74
.
708.73
11.81
46.09
62.88
5.23
117.17
10.78
434.35
159.61
686.52
454.44
208.78
58.72
86.16
172.00
230.00
2,786.00
7,450.12
11,892.48
2011
405.67
99.43
165.62
-
2,097.47
41.24
173.72
185.65
927.52
1,630.14
.
700.51
12.55
48.54
64.54
5.51
119.40
10.89
437.29
150.90
726.14
444.55
215.98
73.69
86.26
165.00
213.00
2,874.00
7,548.54
12,075.18
2012
411.26
103.79
170.01
-
2,127.64
39.92
166.62
181.86
886.50
1,622.49
.
743.99
13.20
48.36
66.09
14.30
119.29
11.76
419.25
151.74
747.72
438.08
224.31
57.85
86.98
156.69
202.00
2,915.00
7,530.14
12,126.72
2013
420.25
111.89
173.39
-
2,116.41
38.86
166.70
174.24
858.59
1,606.32
95.69
794.17
13.54
49.73
66.42
13.52
111.51
11.82
395.45
153.15
770.42
439.93
226.84
55.41
86.81
149.86
205.00
2,899.00
7,495.03
12,204.93
2014
318.23
91.33
180.96
-
2,619.44
37.58
102.47
188.01
862.23
1,570.57
98.20
952.68
15.77
53.24
65.44
13.93
107.02
9.92
379.08
249.03
758.99
440.97
219.82
54.80
86.98
143.66
211.79
2,830.00
8,098.58
12,662.11
56
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
12.1 Number of cash withdrawals and loading/unloading transactions at terminals (cont'd)
With cards issued by resident PSPs
(millions; total for the period)
Cash withdrawals at ATMs provided by
non-resident PSPs
E-money card-loading/unloading transactions at
terminals provided by resident PSPs
2010
2.07
10.10
44.04
5.89
2.66
.
2.25
1.41
3.37
1.26
0.19
44.26
9.10
5.98
3.56
1.92
1.55
1.99
0.80
6.00
3.00
14.63
0.93
1.99
40.20
-
0.96
6.17
190.56
216.26
2011
5.06
10.21
47.04
6.49
2.80
.
2.42
1.47
3.58
1.41
0.22
38.13
7.18
-
3.51
2.37
1.74
2.06
0.70
7.30
1.00
14.08
1.02
2.26
41.51
-
1.13
5.83
184.10
210.51
2012
1.84
8.95
46.69
7.00
2.84
.
2.47
1.31
4.24
1.39
0.25
35.90
7.81
-
3.60
2.65
1.93
2.40
0.64
8.00
1.00
14.34
1.30
2.37
42.68
-
1.21
7.05
181.56
209.85
2013
1.55
8.65
48.71
-
7.55
2.78
2.76
1.36
4.50
1.45
0.28
32.16
-
8.40
3.82
2.85
2.04
2.54
0.60
9.00
1.00
14.93
1.39
2.44
43.58
-
1.25
7.67
182.63
213.27
2014
2.10
9.25
36.63
3.77
2.04
-
2.81
1.33
4.84
1.37
0.27
36.04
13.30
9.16
4.07
3.85
2.17
3.11
4.60
4.20
0.00
13.20
1.48
2.73
41.78
-
1.25
19.14
200.38
224.51
2010
0.03
-
5.01
17.84
0.00
.
0.00
-
0.10
-
26.96
-
4.81
-
0.00
-
-
-
-
-
-
9.36
-
3.98
7.56
-
-
-
71.68
75.66
2011
0.05
-
5.56
23.37
0.00
.
0.00
-
0.03
-
25.77
-
5.45
-
0.00
-
-
-
-
-
-
8.28
-
2.27
6.42
-
-
-
74.93
77.21
2012
-
0.11
6.06
25.84
0.00
.
0.00
-
-
-
21.82
-
4.28
-
-
0.00
-
-
-
-
-
6.77
-
0.70
-
6.20
-
-
71.07
71.77
2013
5.91
-
-
0.29
36.71
0.00
0.00
-
-
-
18.39
-
4.17
-
0.03
-
-
-
.
-
-
4.81
-
0.51
6.63
-
-
-
76.65
77.45
2014
0.60
0.00
5.26
0.06
41.30
0.14
0.00
-
0.00
0.00
0.00
11.82
2.07
-
-
-
-
-
.
-
-
3.92
0.00
0.25
-
5.25
-
0.71
71.08
71.50
ECB
Payment Statistics
October 2015
57
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
12.2 Increase/decrease in the number of cash withdrawals and loading/unloading transactions at terminals
Cash withdrawals at ATMs provided by resident PSPs
(annual percentage changes)
With cards issued by non-resident PSPs With cards issued by resident PSPs
2011
4.72
5.39
.
15.66
4.07
20.14
12.66
7.81
8.99
35.17
13.61
-
8.95
-
-2.14
10.25
-25.76
-
8.28
-
1.19
8.18
4.85
45.75
-1.50
6.67
0.00
-
6.32
4.25
2012
0.12
6.11
.
129.97
1.64
92.52
9.33
9.32
21.00
-13.12
-0.53
-
10.18
-
-2.32
10.78
9.86
-
5.82
-
26.64
-4.14
12.31
24.81
10.73
-1.63
0.00
-
5.43
6.93
2013
1.89
2.75
.
40.11
-0.62
24.60
19.07
-2.01
8.29
15.10
-3.06
-
9.12
-
-0.45
-12.52
-4.46
-
0.55
-
93.18
-14.75
11.14
-6.46
7.38
-4.70
-20.00
-
9.40
.
2014
0.67
-13.25
251.35
-52.30
20.40
-8.99
19.47
0.89
-3.31
-15.38
-32.91
-
12.91
-
16.77
46.48
-63.95
-
-0.23
-
20.02
37.75
8.47
32.52
-33.08
-4.20
-44.75
-
.
.
2011
-2.13
1.77
.
-1.16
6.26
5.31
2.64
5.43
1.90
0.99
0.68
-5.46
5.77
-2.18
3.72
-4.82
5.70
-
2.81
-5.79
-2.47
-2.00
3.45
25.49
0.12
-4.07
-7.39
3.16
0.73
1.54
2012
-4.42
-0.47
.
6.21
5.15
-0.37
2.41
159.47
-0.09
8.02
-4.12
0.55
2.97
-1.46
1.38
4.38
2.65
-
1.44
-3.18
-4.08
-2.04
3.86
-21.50
0.83
-5.04
-5.16
1.43
-0.24
0.43
2013
-3.15
-1.00
.
6.75
2.57
2.83
0.50
-5.47
-6.52
0.48
-5.68
0.93
3.04
0.42
2.19
7.80
1.98
-
-0.53
-2.66
0.05
-4.19
1.13
-4.22
-0.19
-4.36
1.49
-0.55
-0.47
.
2014
0.42
-2.23
2.62
19.96
16.50
7.06
-1.48
3.04
-4.03
-16.09
-4.14
62.60
-1.48
0.24
-24.28
-18.37
4.37
-
23.77
-3.30
-38.53
7.90
-3.10
-1.09
0.20
-4.14
3.31
-2.38
7.34
3.75
58
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
12.2 Increase/decrease in the number of cash withdrawals and loading/unloading transactions at terminals (cont'd)
With cards issued by resident PSPs
(annual percentage changes)
Cash withdrawals at ATMs provided by
non-resident PSPs
E-money card-loading/unloading transactions at
terminals provided by resident PSPs
2011
145.23
1.05
6.81
10.13
5.39
.
7.33
4.32
6.30
11.57
17.28
-13.84
20.04
-
-1.49
23.40
12.81
3.52
-12.50
21.67
-66.67
-3.73
10.03
13.37
3.26
-
17.26
-5.43
.
.
2012
-63.59
-12.34
-0.75
7.83
1.50
.
2.15
-11.35
18.47
-1.14
12.05
-5.85
-
8.81
2.77
11.78
10.78
16.31
-8.43
9.59
0.00
1.85
27.45
4.83
-
2.82
7.45
20.84
-1.38
-0.32
2013
-15.73
-3.32
4.34
7.93
-2.15
.
11.63
4.29
6.18
3.95
11.95
-10.42
7.58
-
6.00
7.48
5.69
6.01
-6.40
12.50
0.00
4.11
6.69
3.21
2.11
-
3.38
8.89
0.59
1.63
2014
-11.57
6.99
11.96
-
-4.12
0.08
149.46
34.81
6.95
-24.81
-50.11
-26.59
-
2.14
-2.06
7.59
-5.46
-4.27
12.06
9.01
-
6.60
35.43
6.37
22.44
667.17
-53.33
-
.
.
2011
-11.51
-
-42.82
-
-15.08
-
-
58.06
-
10.81
31.00
-
.
-70.19
-
-
-
-
-4.41
13.30
-
50.00
-
-
-
-
-
-
4.54
2.05
2012
-18.29
-
-69.07
-3.43
-
-
-
118.37
-
9.04
10.57
-
.
-15.35
-
-21.48
-
-
-
-
-
-33.33
-
-
-
-
-
-
-5.16
.
2013
-28.88
-
-28.02
6.94
-
-
-
-
-
-2.39
42.06
-
.
-15.72
-
-2.69
-
-
-
-
-
-
1,400.00
-
-
-
-
-
.
.
2014
-18.50
-
-50.79
-
-20.81
-
-
-
-
-10.96
-78.50
12.51
-
-
-35.72
-50.25
-
-
-
-
-
-
2,675.00
-
-
-
-
-
.
.
ECB
Payment Statistics
October 2015
59
12.3 Number of cash withdrawals and loading/unloading transactions per terminal
(thousands; total for the period)
Cash withdrawals at ATMs provided by resident PSPs
With cards issued by non-resident PSPs
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2010
0.61
0.41
0.61
-
-
1.42
0.89
1.40
-
0.02
2.26
0.97
0.86
3.16
0.87
5.49
2.19
1.12
0.68
3.14
-
-
1.32
3.16
1.09
0.67
0.63
.
0.50
0.44
2011
0.68
0.42
-
-
0.88
1.36
0.95
1.40
-
0.03
2.27
1.33
1.22
3.31
0.94
7.04
2.53
1.05
0.74
2.22
-
-
1.49
3.28
1.23
0.73
0.64
.
0.53
0.45
2012
0.77
0.47
1.14
-
-
1.45
0.94
1.46
-
0.07
2.30
2.45
1.33
3.71
1.16
5.52
2.59
1.02
0.85
2.34
-
-
1.68
4.33
1.22
0.74
0.67
.
0.57
0.49
2013
0.87
0.53
1.07
-
-
1.51
0.91
1.24
-
0.09
2.41
3.35
1.59
3.50
1.25
6.35
2.58
1.01
0.71
2.08
-
-
1.80
8.33
1.18
0.81
0.58
-
0.81
0.62
2014
0.97
-
1.00
0.57
1.48
0.96
0.88
0.68
-
0.05
4.12
3.20
1.85
3.31
1.19
5.61
1.78
1.61
1.09
0.74
-
0.66
1.84
8.75
1.72
0.85
0.32
1.98
0.68
0.57
2010
19.50
40.62
27.73
20.15
32.37
36.84
102.02
64.50
44.13
13.80
17.53
35.98
41.64
11.85
24.19
58.28
54.85
47.20
18.27
42.17
-
36.36
51.99
54.55
25.73
15.99
28.48
.
26.47
30.01
2011
18.30
41.49
27.81
20.01
40.29
35.87
98.10
59.73
44.65
13.51
17.98
43.19
53.51
12.14
24.33
55.84
56.07
47.18
17.17
42.49
-
37.18
51.03
54.42
26.09
16.20
28.02
.
26.70
30.29
2012
18.18
40.06
28.47
20.80
32.64
34.68
93.88
59.13
44.08
14.66
18.80
41.16
54.58
32.28
24.93
54.45
55.39
47.31
18.40
41.91
-
37.98
52.67
54.43
26.46
15.76
27.72
.
26.94
30.46
E-money card-loading/unloading transactions at
terminals provided by resident PSPs
With cards issued by resident PSPs
2013
17.96
40.76
29.49
21.47
31.52
33.63
90.71
63.33
42.66
15.87
20.39
46.39
55.22
29.39
23.09
54.71
53.56
48.27
19.13
39.73
-
37.74
54.66
54.27
28.90
16.44
23.21
-
34.86
35.92
2014
28.56
36.97
30.06
20.48
32.50
32.13
87.76
65.55
40.79
19.19
33.62
52.15
53.07
28.43
21.93
47.90
52.91
49.97
16.27
40.79
-
46.12
54.07
29.19
32.97
17.09
14.26
23.26
25.15
28.21
2010
0.74
-
-
-
-
-
-
-
-
0.21
-
-
7.16
-
-
-
-
0.08
-
0.61
-
0.14
0.00
0.05
.
-
-
-
0.24
0.24
2011
0.68
-
-
-
-
-
-
-
-
8.87
-
-
-
-
-
-
-
0.08
0.79
-
-
0.12
0.00
0.06
.
-
-
-
0.26
0.27
2012
0.53
-
-
-
-
-
-
-
-
8.13
-
-
-
-
-
-
-
11.72
-
-
0.12
-
0.01
0.15
.
-
-
-
0.62
0.63
2013
0.51
-
0.00
-
-
-
-
-
-
7.54
-
-
-
-
-
-
-
3.20
-
-
0.12
-
0.20
-
-
-
-
-
0.81
0.66
2014
0.23
-
-
0.00
-
-
-
-
-
0.90
-
-
-
8.83
-
-
-
0.31
0.01
1.36
-
0.08
0.25
-
-
-
-
-
0.45
0.39
60
ECB
Payment Statistics
October 2015
12.4 Number of cash withdrawals and loading/unloading transactions per card
With cards issued by resident PSPs
(total for the period)
Cash withdrawals at ATMs provided
by resident PSPs
Cash withdrawals at ATMs provided
by non-resident PSPs
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2013
1.16
0.39
2.24
0.17
0.34
1.06
-
0.24
0.13
0.12
0.55
-
0.11
2.43
0.20
0.20
0.63
0.53
0.08
0.71
0.01
0.74
0.18
0.24
-
0.32
0.70
1.17
0.38
0.28
2012
1.04
0.36
2.17
0.17
0.31
1.18
0.23
-
0.15
0.13
0.50
0.12
2.24
.
0.19
0.19
0.61
0.52
0.08
0.66
0.01
0.69
0.16
0.23
0.32
-
0.68
1.08
0.38
0.28
2011
1.04
0.38
2.11
0.17
0.30
1.25
0.23
-
0.38
0.15
0.51
0.12
2.23
.
0.18
0.18
0.56
0.39
0.09
0.62
0.01
0.70
0.13
0.23
0.31
-
0.64
0.89
0.39
0.29
2010
0.93
0.33
2.51
0.15
0.28
1.46
0.84
0.19
0.15
0.14
0.46
0.12
2.12
.
0.19
0.15
0.46
0.38
0.11
0.54
0.02
0.75
0.12
0.21
0.31
-
0.54
1.23
0.41
0.30
2014
16.06
13.00
18.33
11.53
13.49
15.35
22.84
18.87
6.57
13.00
12.35
11.86
20.91
21.23
22.82
15.23
17.94
16.58
16.03
15.97
15.82
14.87
12.43
16.58
18.22
-
20.64
18.49
16.41
16.16
2013
14.24
12.31
18.22
10.96
12.07
11.81
20.87
18.79
6.73
13.42
14.46
12.99
12.11
22.40
22.88
16.05
16.96
17.99
19.22
16.27
16.51
20.97
14.46
16.82
15.41
-
21.62
25.50
15.49
15.85
2012
14.42
12.82
17.52
12.39
10.43
.
20.34
18.19
7.32
14.30
14.74
13.74
12.42
22.46
23.42
16.39
18.24
18.92
19.90
16.79
17.25
19.92
12.57
16.89
15.72
-
22.28
25.48
15.69
16.20
2010
13.46
13.09
16.67
14.26
9.42
.
19.00
14.72
3.90
13.58
15.68
14.36
14.79
22.02
24.34
16.30
17.40
16.67
23.09
20.72
16.88
20.11
13.72
16.56
15.68
-
24.41
35.52
15.99
16.33
2011
13.78
13.36
17.58
13.15
10.02
.
20.90
16.61
3.25
14.03
14.77
14.36
13.65
22.96
23.32
16.21
23.52
16.24
21.01
17.95
17.41
20.28
12.45
17.07
15.81
-
23.21
26.63
16.04
16.48
2014
1.21
0.38
2.28
0.17
0.33
1.13
1.12
0.26
0.18
0.14
0.43
0.05
1.99
-
0.21
0.27
0.71
0.59
0.51
0.32
0.00
0.62
0.20
0.25
0.29
-
0.69
3.45
0.41
0.29
2011
1.07
-
0.57
-
-
-
-
-
0.03
-
0.17
1.65
0.00
.
0.47
-
-
-
-
-
-
0.67
-
3.15
0.07
-
-
-
0.39
0.40
E-money card-loading/unloading transactions at
terminals provided by resident PSPs
2010
0.17
-
-
-
-
1.13
0.54
-
-
0.01
0.13
1.44
-
.
-
-
-
-
-
-
-
0.80
-
2.00
-
0.08
-
-
0.37
0.39
2012
0.90
-
0.44
-
-
-
-
-
0.15
-
0.23
1.37
0.00
.
0.15
-
-
-
-
-
-
0.52
-
1.95
0.06
-
-
-
0.37
0.37
2013
0.75
-
0.43
-
-
-
-
-
0.26
-
-
3.53
1.70
0.00
0.26
-
2.09
-
-
-
-
0.36
-
1.29
0.07
-
-
-
0.40
0.40
2014
0.00
-
-
-
0.00
0.46
0.20
-
0.99
-
0.37
0.34
1.83
1.06
-
1.79
-
-
-
-
-
0.37
0.02
0.59
0.06
-
-
-
0.40
0.40
ECB
Payment Statistics
October 2015
61
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
13.1 Value of cash withdrawals and loading/unloading transactions at terminals
Cash withdrawals at ATMs provided by resident PSPs
(EUR billions; total for the period)
With cards issued by non-resident PSPs
2010
0.22
0.14
0.66
0.15
2.82
-
1.31
-
6.19
5.58
.
0.28
0.26
0.19
0.59
0.19
0.44
0.22
0.67
-
1.33
0.42
1.70
-
0.14
-
1.30
1.73
21.95
26.54
2011
0.24
0.16
0.70
0.18
3.27
-
1.43
-
6.49
6.14
.
0.32
0.27
0.24
0.67
0.27
0.49
0.24
1.02
-
1.31
0.46
1.12
-
0.18
-
1.38
1.91
24.04
28.49
2012
0.29
0.17
0.82
0.18
3.32
-
1.59
-
6.66
6.17
.
0.61
0.28
0.35
0.74
0.30
0.56
0.24
0.73
-
1.27
0.52
1.41
-
0.21
-
1.75
1.71
25.01
29.87
2013
0.34
0.17
0.87
0.20
3.19
-
-
1.72
6.84
6.33
0.34
1.14
0.27
0.43
0.85
0.31
0.61
0.23
1.39
-
1.29
0.48
1.28
-
-
0.22
2.92
1.77
27.22
33.20
2014
0.37
0.17
0.87
0.19
1.83
1.63
1.93
-
6.86
5.88
1.17
0.90
0.38
0.41
0.94
0.39
0.49
0.24
0.37
-
0.43
0.62
0.46
-
6.59
0.22
3.41
2.21
34.17
38.96
2010
107.98
123.35
.
122.91
1.75
3.99
6.28
0.77
15.99
1.19
52.02
20.47
63.99
30.33
46.00
7.13
22.81
-
315.48
2.88
22.32
47.17
20.95
5.10
10.30
15.70
21.77
216.57
922.85
1,305.21
With cards issued by resident PSPs
2011
107.08
127.84
.
123.84
1.86
4.36
6.82
0.80
17.23
1.08
51.91
19.09
66.57
29.73
49.33
7.13
25.09
-
333.09
3.04
21.16
46.16
22.75
6.53
10.94
15.20
21.84
220.44
948.68
1,340.91
2012
103.91
129.23
.
136.39
1.48
4.43
7.06
2.22
17.42
1.32
49.20
19.28
67.34
29.07
51.19
7.77
24.63
-
342.27
3.25
20.08
41.19
23.86
5.35
11.35
14.59
20.24
238.76
961.39
1,372.91
2013
102.39
129.59
8.89
146.17
1.83
4.50
7.37
2.12
17.37
1.38
47.07
19.46
69.09
28.48
53.23
8.80
24.29
-
345.39
3.41
20.44
37.83
25.95
5.32
11.47
14.37
23.86
225.88
969.93
1,385.94
2014
104.67
128.77
9.12
178.43
2.30
4.88
7.29
2.22
20.13
1.41
47.02
43.96
70.68
28.56
44.04
7.71
24.68
-
335.83
3.49
13.18
39.95
26.43
5.37
11.85
14.17
23.06
234.90
1,010.10
1,434.10
62
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
13.1 Value of cash withdrawals and loading/unloading transactions at terminals (cont'd)
With cards issued by resident PSPs
(EUR billions; total for the period)
Cash withdrawals at ATMs provided
by non-resident PSPs
E-money card-loading/unloading transactions at
terminals provided by resident PSPs
2010
0.45
0.23
0.62
0.20
0.04
6.25
1.40
0.70
0.42
1.32
5.37
0.80
0.53
.
0.38
0.33
0.16
0.25
0.13
0.91
0.22
2.03
0.08
0.34
8.61
-
0.12
0.82
29.15
32.74
2011
0.51
0.26
0.65
0.23
0.05
5.88
0.84
-
0.43
1.33
5.68
0.88
0.59
.
0.38
0.41
0.19
0.27
0.12
0.90
0.17
1.97
0.10
0.41
9.00
-
0.15
0.75
28.32
32.14
2012
0.59
0.19
0.86
0.23
0.06
5.44
0.92
-
0.36
1.27
5.83
0.97
0.66
.
0.39
0.47
0.23
0.33
0.11
1.26
0.10
2.02
0.18
0.40
8.52
-
0.18
0.89
28.11
32.44
2013
0.60
0.18
0.94
0.25
0.06
4.91
-
1.01
0.28
1.21
6.02
-
1.05
0.56
0.40
0.51
0.25
0.36
0.10
0.91
0.09
2.09
0.24
0.41
-
8.66
0.19
0.96
28.04
32.25
2014
0.59
0.17
0.95
0.27
0.06
5.28
2.06
1.14
0.39
1.28
4.46
0.55
0.40
-
0.42
0.63
0.27
0.81
0.65
0.18
0.12
1.83
0.25
0.46
8.54
-
0.20
2.05
30.81
34.03
2010
0.00
-
0.00
-
0.50
-
0.26
-
0.00
-
0.10
5.85
0.00
.
0.00
-
-
-
-
-
-
0.27
-
0.03
0.21
-
-
-
7.19
7.22
2011
0.00
-
0.00
-
0.45
-
0.28
-
0.00
-
0.11
7.83
0.00
.
0.00
-
-
-
-
-
-
0.24
-
0.01
0.19
-
-
-
9.10
9.11
2012
0.00
-
-
-
-
0.37
0.25
-
-
0.00
0.12
8.24
0.00
.
-
0.00
-
-
-
-
-
0.20
-
0.00
-
0.18
-
-
9.36
9.36
2013
0.11
-
-
0.02
11.22
0.00
0.00
-
-
-
0.30
-
0.26
-
0.00
-
0.00
-
-
-
-
0.14
-
0.00
0.16
-
-
-
12.20
12.22
2014
0.07
0.00
0.10
0.00
11.97
0.04
0.00
-
0.00
0.00
0.00
0.21
0.21
-
-
0.01
-
-
-
-
-
0.11
0.00
0.00
-
0.39
-
0.06
13.16
13.18
ECB
Payment Statistics
October 2015
63
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
13.2 Increase/decrease in the real value of cash withdrawals and loading/unloading transactions at terminals
Cash withdrawals at ATMs provided by resident PSPs
(annual percentage changes; HICP-adjusted)
With cards issued by non-resident PSPs With cards issued by resident PSPs
2011
2.56
7.12
-
8.64
0.53
16.93
6.65
4.23
3.14
13.23
13.15
-
5.48
-
-4.92
7.74
-37.56
-
28.07
-
4.75
7.97
9.99
43.90
6.44
3.97
44.93
-
5.92
4.20
2012
-0.44
-0.91
-
85.94
-0.40
43.97
15.14
7.43
15.24
-1.65
-1.76
-
8.58
-
-4.64
11.27
25.58
-
11.41
-
24.54
-10.87
11.60
6.85
9.36
-2.04
-32.21
-
1.78
2.44
2013
2.32
1.67
-
86.96
-1.16
22.85
16.23
-2.24
8.24
12.72
-5.21
-
8.06
-
0.47
-6.97
-7.77
-
1.42
-
66.44
5.67
13.13
3.59
8.89
-5.21
89.94
-
7.91
.
2014
1.55
-7.11
247.96
-21.27
43.04
-
9.21
2.97
4.16
-7.79
-42.66
-
12.62
-
-66.68
29.68
-61.87
-
0.99
-
16.98
27.84
9.78
25.53
-18.61
-0.32
-72.48
-
.
.
2011
-3.12
0.93
-
-2.80
2.09
4.63
5.00
0.58
5.02
-10.41
-2.67
-9.81
2.66
-5.28
3.92
-2.05
4.08
-
3.24
1.46
-6.52
-4.22
5.93
25.27
1.62
-5.64
-5.43
-1.17
-0.26
-0.29
2012
-5.78
-0.43
-
7.37
-21.67
-1.15
0.45
169.76
-0.40
19.01
-8.30
-1.87
0.51
-4.23
1.66
6.03
-1.94
-
0.70
3.12
-6.66
-11.06
5.53
-20.42
0.35
-7.19
-11.57
-1.44
-0.86
0.04
2013
-1.77
-0.56
-
6.46
25.18
2.69
4.01
-5.91
1.75
3.37
-5.66
-1.03
2.33
-2.19
2.79
14.24
0.40
-
-0.31
2.79
1.39
-6.47
6.36
-1.53
0.65
-3.43
16.74
-2.89
0.04
.
2014
3.41
-0.72
3.53
22.17
27.30
-
-0.95
5.37
21.53
1.87
-0.05
124.09
2.63
0.55
-16.95
-10.64
7.59
-
-2.85
2.12
-35.33
8.36
1.35
0.98
3.41
-1.94
1.38
-1.82
3.83
3.57
64
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
13.2 Increase/decrease in the real value of cash withdrawals and loading/unloading transactions at terminals (cont'd)
With cards issued by resident PSPs
(annual percentage changes; HICP-adjusted)
Cash withdrawals at ATMs provided
by non-resident PSPs
E-money card-loading/unloading transactions at
terminals provided by resident PSPs
2011
-4.38
20.52
16.02
3.76
-15.58
-7.30
-27.90
-0.80
-1.23
3.09
6.06
8.07
-
9.67
5.60
0.13
12.96
19.04
-8.26
18.91
-
-6.34
17.64
12.71
2.17
-
17.36
-9.59
.
.
2012
-17.08
-7.54
1.16
6.67
9.18
-
11.67
-29.43
30.09
-1.63
16.27
-10.46
8.24
-
0.00
14.60
14.67
17.08
-9.35
34.36
-44.92
0.68
72.05
-1.23
-
-7.19
12.46
17.41
-2.88
-1.37
2013
-21.36
-5.01
2.34
7.51
-12.93
-
3.24
-1.85
7.67
10.49
4.06
-11.04
9.85
-
3.39
6.19
8.86
7.90
-12.46
-28.50
-4.38
2.48
40.25
4.21
0.46
-
3.67
6.57
-1.10
-1.56
2014
-12.40
5.18
17.70
-1.47
-
6.79
114.86
45.47
7.40
-25.89
-47.25
-28.09
-
-5.30
-
1.27
14.95
-9.15
7.53
12.80
-
5.63
22.87
10.06
128.18
571.81
-79.68
18.10
.
.
2011
-13.66
-
-65.11
-
-12.61
-
-
-
-30.97
7.22
29.17
-
-
-77.14
-
-
-
-
-12.43
4.18
-
22.38
-
-
-
-
-
-
23.13
22.40
2012
-18.32
-
-72.20
-3.06
-
-
-
-24.40
-
6.42
2.50
-
-
-20.99
-
-11.54
-
-
-
-
-
-91.74
-
-
-
-
-
-
0.62
.
2013
-29.46
-
-0.06
-13.62
-
-
-
-
-
-5.25
35.37
-
-
-18.99
-
0.37
-
-
-
-
-
-
1,369.95
-
-
-
-
-
.
.
2014
-21.70
-
-35.09
-
143.07
-
-
-
-
-12.02
-74.83
6.79
-
-
-30.21
-18.01
-
-
-
-
-
-
4,289.59
-
-
-
-
-
.
.
ECB
Payment Statistics
October 2015
65
13.3 Value of cash withdrawals and loading/unloading transactions per terminal
(EUR thousands; total for the period)
Cash withdrawals at ATMs provided by resident PSPs
With cards issued by non-resident PSPs
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2010 2011
160.89
152.11
72.97
79.20
456.29
287.11
-
-
162.12
225.22
398.16
432.67
235.14
268.34
104.40
113.46
99.18
.
105.47
.
5.49
6.12
389.48
393.78
151.09
209.87
146.56
202.50
328.21
343.61
137.12
143.27
832.35
907.29
355.90
419.19
79.96
56.98
-
-
89.47
61.68
-
-
102.53
149.41
189.20
204.84
133.21
142.45
186.53
286.80
-
77.99
66.97
85.05
71.47
2012
89.47
75.02
2013 2014 2010 2011 2012 2013 2014
126.58
106.11
3,278.22
3,356.10
3,438.93
4,510.82
3,136.56
97.72
86.80
3,293.83
3,363.87
3,448.30
4,079.43
3,195.18
E-money card-loading/unloading transactions at
terminals provided by resident PSPs
With cards issued by resident PSPs
2010
146.46
148.63
67.45
5,551.89
5,736.83
5,889.04
6,113.81
6,916.36
92.97
82.73
109.54
1,247.30
1,230.74
1,376.63
1,504.22
1,372.51
346.80
292.16
103.49
6,137.17
6,436.38
6,070.43
5,566.71
5,563.58
-
116.11
5,623.18
5,904.93
6,109.24
6,158.26
5,913.15
277.20
305.84
316.16
3,423.96
3,768.34
4,292.95
4,800.59
5,018.11
571.36
951.04
971.05
6,834.94
6,628.00
6,560.14
6,652.05
3,754.93
248.43
293.89
387.13
6,407.59
6,487.29
5,993.43
6,275.13
7,006.16
118.38
130.90
136.04
1,821.96
1,870.54
1,847.03
1,960.66
2,075.01
105.44
.
82.21
53.43
2,193.22
2,197.66
2,207.76
277.11
.
.
1,169.56
.
2,155.43
2,161.70
11.93
22.77
18.05
2,393.36
2,388.83
2,687.73
2,920.95
3,593.60
395.61
408.22
818.76
2,595.29
2,664.63
2,105.49
2,751.51
4,911.66
297.44
396.50
398.93
3,118.29
3,875.89
3,771.52
4,202.39
4,778.26
238.99
280.87
298.96
4,160.34
5,659.11
5,826.85
6,128.05
5,916.07
387.73
370.61
354.92
1,751.86
1,770.01
5,015.07
4,613.72
4,521.11
171.82
180.59
177.52
3,300.94
3,512.03
3,640.12
3,596.56
4,125.00
9.18
-
827.74
942.38
910.37
6,423.97
5,540.61
6,116.64
6,385.99
6,815.21
-
438.62
432.24
255.23
6,569.58
6,655.66
6,500.20
6,375.73
6,562.57
132.44
-
-
-
-
-
-
-
187.47
2,500.92
2,315.06
2,309.81
2,282.16
5,041.24
3,786.01
3,804.13
3,607.68
3,655.01
3,442.44
103.05
115.05
131.42
1,850.71
1,859.52
1,889.06
1,909.12
1,946.87
68.47
80.86
87.76
2,021.84
2,107.96
2,212.53
2,456.46
2,461.58
169.88
178.98
234.12
2,812.40
3,567.62
3,021.19
3,025.53
3,183.47
222.05
235.86
182.80
4,402.50
4,550.52
4,526.70
4,444.27
4,376.10
145.48
142.01
143.65
9,311.98
9,036.86
8,744.70
8,696.73
8,653.88
212.73
430.53
113.17
6,104.14
6,123.99
5,925.38
7,370.71
7,138.37
3,430.17
3,424.66
3,610.29
3,323.53
3,385.61
39.93
-
-
-
-
-
-
-
-
2.42
-
4.97
-
3.94
0.04
0.92
.
-
-
-
23.60
23.21
2011
2.25
4.14
-
-
3.51
0.03
1.13
.
-
-
-
31.64
31.37
2012
54.95
-
-
3.40
-
0.05
2.99
.
-
-
-
81.88
81.86
2013
20.49
-
-
2.97
-
3.78
-
-
-
-
-
129.65
103.47
2014
35.00
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
262.04
-
-
-
-
-
-
-
-
-
-
154.01
136.19
123.02
156.48
-
-
31.34
-
-
-
-
-
-
-
-
31.86
0.01
-
-
-
-
-
-
-
23.96
-
-
0.26
-
-
-
-
-
8.83
0.23
10.84
-
5.70
4.63
-
-
-
-
-
83.19
71.64
66
ECB
Payment Statistics
October 2015
13.4 Value of cash withdrawals and loading/unloading transactions per card
With cards issued by resident PSPs
(EUR; total for the period)
Cash withdrawals at ATMs provided
by resident PSPs
Cash withdrawals at ATMs provided
by non-resident PSPs
2010 2011 2012 2013 2014 2010 2011
Belgium
Bulgaria
2,365.44
936.47
2,465.91
892.65
2,479.45
940.35
2,656.16
1,137.04
2,058.44
1,049.19
Czech Republic 2,409.96
2,585.88
2,445.93
2,356.37
2,261.23
104.58
10.83
36.19
Denmark
Germany
Estonia
Ireland
-
2,425.19
2,510.10
2,528.89
2,515.56
2,336.14
1,607.73
1,714.15
1,816.24
1,898.97
1,915.40
66.18
68.55
-
98.26
12.40
42.06
67.79
84.54
4,450.85
3,242.85
3,071.15
3,126.29
2,378.51
163.07
114.91
-
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
3,350.94
3,425.41
3,265.29
3,092.52
3,412.45
1,491.26
1,542.80
1,502.93
1,467.93
1,578.42
1,284.05
.
1,378.46
.
1,395.48
.
1,469.53
1,018.05
1,503.07
1,071.07
2,472.37
2,324.23
2,271.61
2,220.71
2,525.87
1,471.10
1,756.23
1,942.48
2,085.64
2,103.11
1,852.64
2,025.57
2,088.24
2,090.03
2,446.03
1,728.18
1,465.68
1,655.85
1,687.33
1,756.47
2,052.90
2,105.09
2,022.90
2,008.54
1,976.83
Portugal
Romania
Slovenia
Slovakia
Finland
1,624.33
1,635.38
1,511.45
1,991.84
2,108.08
1,559.15
1,707.40
2,082.92
2,060.61
1,935.49
1,553.58
1,743.77
1,688.41
2,469.56
1,853.59
1,480.78
1,836.55
1,628.37
2,377.52
1,842.87
1,477.77
1,830.39
1,757.14
2,258.60
1,580.94
Sweden 1,961.02
1,840.55
1,681.99
1,893.57
1,739.11
United Kingdom 1,312.03
1,335.20
1,412.86
1,286.37
1,313.25
30.17
18.18
55.85
16.16
54.75
23.01
59.80
1,897.41
1,727.07
1,578.41
1,539.16
3,691.95
129.77
22.47
20.55
25.97
48.14
48.54
17.86
82.28
1.36
.
31.94
19.18
61.23
16.58
1,394.69
1,484.38
1,167.70
1,594.48
2,242.48
419.48
472.63
1,646.37
1,875.79
1,863.88
1,890.74
2,092.71
183.95
219.68
65.74
576.91
474.51
1,137.14
1,055.93
1,045.07
466.58
382.05
27.06
67.38
1,719.44
1,704.36
1,612.56
1,545.69
1,470.94
206.72
193.13
26.69
19.92
30.85
61.44
51.27
14.67
75.70
1.01
.
-
Euro area total 1,981.21
2,016.47
2,003.66
2,004.62
2,046.43
EU total 1,792.52
1,829.61
1,833.53
1,799.86
1,830.81
62.57
44.97
60.19
43.85
2012 2013
97.85
21.19
40.07
104.51
31.46
40.07
62.95
-
97.69
63.10
-
103.02
136.88
146.46
28.38
18.33
62.98
22.60
17.32
68.26
.
-
16.10
15.89
518.22
492.18
246.60
251.49
51.08
51.76
441.53
469.16
27.56
29.95
74.37
76.30
178.44
161.28
27.61
-
29.43
-
20.72
34.22
71.77
71.69
13.72
105.11
0.60
20.88
35.98
76.52
73.99
12.37
72.47
0.54
58.58
43.33
57.94
41.88
2014
85.42
34.17
42.06
59.44
-
108.65
370.18
33.48
19.34
52.12
-
7.81
391.01
255.00
49.89
446.31
33.15
70.84
165.11
173.00
31.84
21.89
43.47
90.00
155.09
72.67
13.34
0.66
62.42
43.44
E-money card-loading/unloading transactions at
terminals provided by resident PSPs
2010
-
0.33
2.64
473.21
-
.
7.52
-
-
-
20.92
-
29.13
-
-
-
-
-
-
-
-
23.29
-
16.19
-
2.18
-
-
37.30
37.08
2011
19.44
-
16.43
1.92
-
-
-
47.36
47.24
2012
15.50
-
9.14
1.87
-
-
-
48.72
48.65
2013
10.69
-
8.25
1.62
-
-
-
63.32
63.26
2014
0.34
-
3.27
0.71
-
4.38
4.84
-
108.07
-
6.93
.
.
197.80
22.42
551.47
437.95
519.41
529.93
0.00
0.00
0.00
300.91
18.63
-
29.30
-
-
-
-
-
15.03
25.87
-
-
-
-
-
-
12.27
26.53
-
-
-
-
-
0.00
-
-
-
0.00
8.12
20.23
-
-
150.14
-
-
-
-
-
5.95
-
-
-
-
-
-
-
9.87
106.85
84.29
-
-
-
-
-
-
-
-
10.51
0.92
4.72
4.15
-
-
-
73.18
72.95
ECB
Payment Statistics
October 2015
67
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
14.1 Number of payment transactions at terminals
POS transactions at terminals provided by resident PSPs
(millions; total for the period)
With cards issued by non-resident PSPs
2010
115.90
249.22
.
83.72
9.19
6.52
5.55
15.20
9.97
2.92
34.43
-
20.75
-
50.05
6.76
30.70
25.22
7.90
-
-
10.66
3.27
5.04
5.74
14.00
88.00
178.00
616.83
978.71
2011
130.41
281.46
.
92.11
11.38
8.38
7.38
15.98
12.30
.
29.58
-
22.77
-
56.06
7.64
27.57
29.87
7.64
-
-
14.56
4.54
6.15
5.86
17.50
81.00
87.00
694.36
960.03
2012
147.22
347.03
.
96.19
6.98
10.29
6.66
14.43
14.48
.
24.69
-
24.52
-
59.41
4.94
32.30
35.74
9.71
-
45.50
15.42
5.11
6.64
7.13
19.64
94.00
439.00
826.93
1,469.45
2013
170.18
405.11
9.19
112.95
5.76
14.19
8.36
12.88
16.99
.
25.88
-
26.65
-
70.01
5.74
27.76
41.39
10.87
-
51.67
19.97
5.82
11.39
8.73
20.60
100.53
196.00
956.26
1,382.23
2014
57.94
8.41
20.55
50.52
373.91
12.35
218.63
24.28
219.49
353.73
21.86
78.53
6.43
16.88
9.76
208.14
19.43
.
70.10
65.05
31.29
-
8.39
11.58
7.22
23.65
98.72
564.00
1,783.30
2,584.94
2010
983.89
16.26
209.55
982.47
2,503.14
156.53
315.50
62.11
2,099.42
7,147.60
.
1,381.80
27.12
87.88
90.62
40.68
201.62
9.37
2,189.46
421.46
822.96
1,161.03
90.32
110.25
81.03
1,040.80
1,513.00
8,425.00
19,574.64
32,170.84
With cards issued by resident PSPs
2011
1,048.50
24.56
249.98
1,074.78
2,714.85
184.64
339.20
57.61
2,173.26
7,624.79
.
1,745.99
29.87
96.50
99.88
42.40
227.72
10.45
2,323.96
446.32
995.86
1,226.65
111.49
113.30
102.70
1,068.99
1,661.00
9,434.00
21,253.49
35,229.25
2012
1,118.63
31.28
286.30
1,163.67
2,907.25
200.85
392.92
57.00
2,188.19
8,152.67
.
2,038.73
31.65
106.14
117.94
42.27
257.60
8.93
2,512.31
488.75
1,179.24
1,208.67
135.90
118.51
116.16
1,053.21
1,885.00
9,853.00
22,636.68
37,652.75
2013
1,205.74
38.00
352.62
1,250.69
3,288.37
215.18
421.24
58.33
2,232.63
8,578.48
188.21
2,274.07
31.49
123.99
136.04
43.28
293.97
14.19
2,721.92
557.59
1,402.76
892.94
161.39
122.13
137.94
1,129.23
2,138.73
10,668.00
23,924.74
40,679.13
2014
1,281.48
43.15
447.13
1,382.81
2,682.05
228.87
231.25
67.41
2,488.15
8,249.81
202.35
2,025.62
29.20
155.28
158.37
45.37
313.83
10.80
2,968.30
461.50
1,815.65
924.51
184.91
127.99
197.31
1,291.82
2,271.11
11,518.00
23,466.72
41,804.02
68
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
14.1 Number of payment transactions at terminals (cont'd)
With cards issued by resident PSPs
(millions; total for the period)
POS transactions at terminals provided
by non-resident PSPs
2010
82.99
6.93
14.86
65.13
213.87
10.83
-
8.66
56.56
244.04
15.26
6.36
.
6.85
6.11
18.66
11.37
3.30
116.14
21.28
-
11.55
10.27
4.90
9.66
12.30
44.00
325.00
804.25
1,326.88
2011
105.83
6.16
19.33
70.79
262.49
13.20
-
9.95
59.45
286.22
21.98
7.17
.
7.92
7.80
22.60
14.49
3.71
120.48
30.14
-
12.99
13.04
5.16
11.66
12.80
57.40
415.00
955.67
1,597.74
2012
108.25
8.53
21.88
87.20
308.55
11.60
-
9.19
59.83
322.31
26.46
7.98
.
9.63
10.98
25.15
18.55
5.00
130.59
36.35
-
14.16
15.36
5.88
14.87
13.75
70.00
639.00
1,063.57
1,981.05
2013
126.51
10.94
25.30
113.46
409.90
11.38
75.12
8.75
63.36
385.81
-
42.21
8.18
11.54
13.43
24.45
28.39
5.92
152.59
45.81
-
29.06
19.32
9.94
20.92
15.60
88.30
891.00
1,389.70
2,637.19
2014
140.85
9.35
32.55
133.16
1,385.64
12.51
211.97
15.09
90.04
325.03
8.38
7.45
-
19.50
15.87
41.55
31.84
4.92
167.00
125.31
57.01
33.59
17.64
11.94
26.00
55.41
53.10
1,442.00
2,682.17
4,474.68
2011
0.15
-
46.50
151.89
0.70
.
0.00
-
0.60
-
-
171.72
24.18
-
2.17
-
0.03
-
-
-
-
50.51
-
23.88
35.92
-
-
-
484.37
508.26
2010
0.30
-
41.09
118.27
0.00
.
0.00
-
1.72
-
-
178.29
24.92
-
2.11
-
-
-
-
-
-
60.62
-
65.32
38.94
-
-
-
466.25
531.57
E-money payment transactions with cards
on which e-money can be stored directly
2012
-
0.12
52.24
191.24
0.98
.
0.00
-
-
-
-
148.04
27.42
-
6.95
-
-
0.05
-
-
-
46.20
-
7.04
33.60
-
-
-
506.82
513.86
2013
50.53
-
-
0.28
243.98
1.19
0.00
-
-
-
122.10
.
27.08
-
30.83
-
0.06
-
-
-
-
29.36
-
7.20
31.77
-
-
-
536.94
544.41
2014
2.82
0.00
49.95
4.10
64.11
.
0.00
-
0.00
0.00
77.43
.
-
.
42.22
.
0.00
-
-
-
-
26.11
0.00
6.79
38.40
-
-
0.82
304.02
314.98
ECB
Payment Statistics
October 2015
69
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
14.2 Increase/decrease in the number of payment transactions at terminals
POS transactions at terminals provided by resident PSPs
(annual percentage changes)
With cards issued by non-resident PSPs
2011
12.53
12.93
.
10.02
23.74
28.41
33.08
5.14
23.37
-0.51
-14.10
-
9.75
-
12.00
12.91
-10.21
18.43
-3.27
-
-
36.58
39.13
21.98
2.09
25.00
-7.95
-51.12
11.15
-1.91
2012
12.89
23.30
.
4.43
-38.64
22.89
-9.77
-9.73
17.75
-15.69
-16.54
-
7.68
-
5.98
-35.34
17.17
19.66
27.09
-
-
5.90
12.41
7.89
21.69
12.21
16.05
404.60
.
.
2013
15.60
16.74
.
17.42
-17.49
37.83
25.43
-10.74
17.35
47.84
4.83
-
8.70
-
17.84
16.35
-14.05
15.80
11.94
-
13.57
29.51
13.96
71.68
22.42
4.91
6.95
-55.35
15.64
.
2014
28.97
-12.68
137.90
-30.47
11.65
18.96
16.85
1,516.26
14.37
13.22
170.89
-
17.41
-
-17.24
46.43
-25.98
22.06
13.64
-
323.15
21.63
44.10
1.63
-17.30
14.82
-1.80
187.76
.
.
2011
3.52
6.68
.
26.36
10.14
9.81
10.21
4.24
12.95
11.55
6.14
5.90
21.01
5.65
6.57
51.10
19.29
9.40
8.46
17.96
7.51
-7.25
23.44
2.77
26.74
2.71
9.78
11.98
7.72
9.51
With cards issued by resident PSPs
2012
0.69
6.92
.
16.77
5.94
9.99
18.09
-0.33
13.12
-14.57
8.10
9.51
18.41
-1.47
6.69
27.35
14.53
8.27
7.09
8.78
15.84
-1.06
21.90
4.60
13.11
-1.48
13.49
4.44
6.51
6.88
2013
2.03
5.22
.
11.54
-0.49
16.82
15.34
2.40
14.12
59.01
8.34
14.09
18.95
-26.12
7.79
21.48
23.16
7.48
13.11
7.13
7.21
2.34
18.76
3.05
18.75
7.22
13.46
8.27
5.69
.
2014
11.44
-3.83
7.51
-10.93
-7.27
25.23
16.42
4.83
6.76
-23.93
9.05
-17.23
29.43
3.54
6.28
13.55
26.80
10.56
-18.44
6.36
-45.10
15.57
14.57
4.80
43.04
14.40
6.19
7.97
-2.42
2.77
70
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
14.2 Increase/decrease in the number of payment transactions at terminals (cont'd)
With cards issued by resident PSPs
(annual percentage changes)
POS transactions at terminals provided
by non-resident PSPs
E-money payment transactions which cards
on which e-money can be stored directly
2011
27.52
-11.21
30.07
8.68
22.73
21.85
-
14.81
5.10
17.29
44.01
12.76
.
15.68
27.73
21.11
27.44
12.37
3.74
41.65
-
12.43
26.95
5.33
20.70
4.07
30.45
27.69
17.25
20.41
2012
2.29
38.59
13.23
23.19
17.55
-12.14
-
-7.62
0.64
12.61
20.41
11.34
.
21.53
40.77
11.30
27.98
34.83
8.39
20.59
-
9.03
17.83
14.04
27.54
7.41
21.95
53.98
11.29
23.99
2013
105.23
25.75
69.05
40.68
13.46
26.14
39.44
-4.75
5.90
19.70
59.50
2.51
.
19.82
22.22
-2.81
53.05
18.53
16.84
26.04
-
16.87
28.30
15.63
30.12
32.85
-1.85
-
.
.
2014
11.33
-14.57
28.62
17.36
238.04
9.92
182.19
72.43
42.11
-15.75
-
-80.14
-8.94
68.99
18.18
69.97
12.16
-17.03
9.45
24.45
-
15.59
-8.69
20.09
24.28
255.19
-39.86
61.84
.
.
2011
-16.67
-
-63.44
-
-7.76
-
-
-
-50.51
13.16
28.43
-
.
-64.80
-
-
-
-
-3.69
-2.95
-
2.79
-
-
-
-
-
-
.
.
2012
-8.54
-
-70.52
-6.46
-
-
-
-21.09
-
12.35
25.90
40.11
.
-13.79
-
13.39
-
-
-
-
-
219.89
-
66.67
-
-
-
-
4.63
.
2013
-36.44
-
2.24
-
-5.45
-
-
-
-
-3.29
27.58
21.88
.
-17.52
-
-1.22
-
-
-
-
-
343.67
-
20.00
-
-
-
-
.
.
2014
-11.09
-
-5.67
20.87
-
-
-
-
-
-1.13
1,357.65
-73.72
-68.12
-2.50
-36.58
-93.52
-
-
-
-
-
36.95
-
-
-
-
-
-
.
.
ECB
Payment Statistics
October 2015
71
14.3 Number of payment transactions per terminal provided by resident PSPs
(total for the period)
POS transactions at terminals provided by resident PSPs
With cards issued by non-resident PSPs
E-money payment transactions with cards
on which e-money can be stored directly
With cards issued by resident PSPs
2010 2011 2012 2013 2014 2010 2011 2012 2013 2014 2010 2011 2012 2013 2014
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
362.03
397.79
111.29
118.51
316.64
268.66
228.46
238.10
-
304.99
256.63
-
25.81
40.23
83.44
95.69
174.68
194.95
.
.
436.03
316.26
7,116.52
7,439.97
8,209.93
6,994.69
924.34
820.27
137.58
71.63
81.18
110.30
267.54
381.27
453.87
537.06
565.84
0.00
297.06
290.02
203.30
2,161.27
2,436.39
2,633.13
3,683.72
4,423.47
6,835.60
6,167.61
5,402.15
1,294.42 1,157.15
270.35
285.49
362.83
8,900.11
8,567.73
8,802.09
8,626.76
9,931.13
-
424.33
3,690.97
3,818.83
4,037.85
4,422.09
3,043.70
164.60
152.15
153.70
146.12
91.51
357.50
395.86
429.47
6,044.52
6,202.01
7,394.87
7,836.91
7,957.48
299.03
335.16
5,364.19
3,943.75
2,215.46
2,582.58
2,732.53
5,673.91
48.00
71.52
186.17
150.43
159.19
177.45
208.94
516.79
111.85
151.27
179.30
1,511.42
1,594.68
1,662.43
1,984.48
2,032.62
12.66
247.88
301.33
220.11
5,009.84
5,281.33
5,823.34
6,380.89
5,133.50
307.33
.
99.62
219.63
.
.
.
2,040.88
2,033.32
.
-
-
-
9.01
-
-
-
23.10
-
-
-
-
-
-
-
-
-
-
-
372.82
736.08
1,076.10 1,100.26
.
.
-
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
62.09
64.19
377.10
467.74
273.38
338.85
150.58
193.48
63.68
71.30
42.51
1,024.82
1,216.75
1,349.61
1,435.48
1,096.43
267.34
267.95
280.80
1,112.48
1,228.30
1,212.03
1,465.13
1,275.16
418.20
547.32
592.75
3,683.66
3,904.31
4,312.76
4,784.16
5,454.35
205.45
241.23
249.27
2,460.01
2,617.73
3,637.83
3,927.70
4,043.48
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
104.68
-
-
-
1,184.51
1,256.33
1,223.65
1,109.41
1,631.73
3,169.55
3,333.12
3,584.60
3,728.64
127.06
145.21
169.25
187.12
185.25
2,570.31
2,689.27
3,011.33
3,237.73
355.69
2,991.89
202.74
-
243.74
233.28
133.16
105.78
184.52
92.26
271.27
103.84
301.08
248.08
781.46
8,467.06
838.64
8,311.39
672.16
1,062.91
792.60
9,389.37 10,922.90 10,505.00
-
2,611.67
-
-
-
4,039.54
-
-
-
4,027.53
-
-
-
3,943.51 4,360.76
-
-
Austria
Poland
Portugal
Romania
Slovenia
74.51
28.66
-
-
83.07
36.38
-
-
141.54
179.99
Slovakia
Finland
153.27
147.41
71.07
92.11
Sweden 433.25
394.10
United Kingdom 142.09
63.94
94.36
40.46
-
-
102.73
45.46
-
-
532.72
115.94
64.27
-
3,915.87
3,257.27
4,169.94
792.56
4,155.77
3,724.13
4,475.53
892.45
4,340.00
3,952.59
4,651.74
1,076.39
4,695.38
4,298.38
3,441.94
1,260.45
3,779.53
4,559.94
3,425.50
1,416.68
171.60
320.03
352.09
3,094.94
3,315.93
3,065.02
3,431.08
3,892.52
176.79
208.43
158.16
2,163.68
2,583.39
2,879.83
3,293.30
4,322.14
112.21
105.10
150.75
5,283.23
5,626.27
6,018.35
5,761.37
8,233.32
440.51
513.67
501.15
7,448.91
8,081.51
8,833.67 10,928.11 11,529.36
267.80
118.51
331.40
6,725.49
6,933.87
6,010.61
6,450.18
6,767.86
314.75
-
7.59
-
-
-
-
-
-
309.82
321.14
308.71
128.10
-
7.92
-
-
-
-
-
-
26.74
-
-
-
-
-
-
118.82
-
-
-
-
-
-
156.41
2.94
-
-
-
-
-
Euro area total
EU total
95.82
105.01
112.59
106.54
126.66
154.10
253.11
3,040.81
3,214.09
3,467.19
3,855.51
3,330.73
521.74
158.71
152.49
257.64
3,700.83
3,909.56
4,066.83
4,487.81
4,166.57
588.54
581.25
749.11
835.72
188.41
607.08
758.06
810.27
182.85
72
ECB
Payment Statistics
October 2015
14.4 Number of payment transactions per card
With cards issued by resident PSPs
(total for the period)
POS transactions at terminals provided
by resident PSPs
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2010 2011
50.59
2.13
21.89
52.41
3.08
25.47
122.87
132.50
19.59
20.87
87.21
103.84
56.20
57.42
4.37
29.33
84.22
19.73
19.75
.
36.21
21.22
30.38
22.67
13.74
72.36
39.17
25.73
58.95
7.04
31.11
15.59
60.97
8.35
34.49
19.24
141.89
136.62
75.52
57.39
78.69
64.07
4.16
31.51
91.86
25.92
22.74
.
41.54
25.70
25.04
25.62
14.33
76.31
40.52
31.08
41.32
44.20
44.96
48.43
2012 2013 2014
54.18
3.79
28.16
60.16
4.91
33.93
58.38
5.97
40.69
140.62
148.02
154.92
21.83
24.55
20.02
112.38
120.16
126.14
65.01
67.53
37.52
4.26
31.81
99.04
29.90
24.89
.
44.58
32.47
21.63
28.92
11.35
82.34
42.82
35.63
4.21
32.01
104.33
101.80
21.66
31.68
28.11
52.14
37.91
21.53
32.91
17.50
89.38
47.09
40.47
59.49
9.92
35.98
25.23
47.74
11.41
37.39
28.84
133.96
144.98
88.35
64.99
97.35
67.80
5.20
36.59
23.88
27.51
26.48
66.75
44.99
21.40
35.38
12.89
92.86
37.95
50.34
49.61
12.80
40.56
37.51
144.21
102.77
72.43
47.52
51.04
49.80
53.62
48.28
54.60
2011
3.41
2.01
13.35
1.63
5.08
3.96
0.94
-
0.72
0.86
3.45
0.33
5.46
.
0.65
0.98
1.57
2.18
1.64
2.72
2.82
5.29
0.77
1.97
8.73
2.02
7.42
-
2.02
2.20
POS transactions at terminals provided
by non-resident PSPs
2010
2.82
1.43
13.93
1.28
4.84
3.84
0.67
-
0.61
0.79
2.88
0.22
4.63
.
0.59
0.80
1.38
1.86
1.68
2.20
2.21
4.27
0.91
1.55
8.15
1.67
6.04
-
1.70
1.82
2012
4.04
3.02
12.87
2.08
6.35
4.28
1.10
-
0.69
0.87
3.92
0.39
6.28
.
0.70
1.12
1.79
3.23
1.75
3.28
4.22
5.24
1.03
2.15
10.54
2.32
6.49
-
2.23
2.69
2013
4.85
3.74
12.16
3.18
7.30
5.01
-
1.32
0.63
0.91
4.69
-
0.59
7.30
1.55
1.37
3.04
4.37
2.00
4.02
5.66
6.31
1.41
2.43
13.43
3.06
6.36
12.04
2.89
3.48
2014
8.38
4.51
19.60
3.59
5.87
5.22
10.30
1.58
1.17
1.32
4.01
0.11
6.76
-
1.80
1.22
3.78
4.94
6.19
2.40
9.07
6.42
1.29
2.96
14.92
10.34
6.90
34.39
5.52
5.84
E-money payment transactions with cards
on which e-money can be stored directly
2010
-
0.00
1.28
-
-
5.89
2.32
-
-
0.00
0.48
1.69
0.00
.
0.11
-
-
-
-
-
-
3.12
-
6.82
-
0.30
-
-
0.98
0.73
2011
0.00
-
0.36
-
5.64
-
2.20
-
0.00
-
0.56
2.26
0.53
.
0.11
-
0.01
-
-
-
-
2.52
-
2.43
0.28
-
-
-
1.02
0.70
2012
0.00
-
-
-
4.85
-
2.40
-
0.00
-
0.63
2.80
0.77
.
0.34
-
0.01
-
-
-
-
2.24
-
0.69
0.25
-
-
-
1.06
0.70
2013
0.00
-
-
-
0.05
4.01
2.29
-
0.61
-
-
0.03
3.40
1.06
1.65
-
0.01
-
-
-
-
1.47
-
0.69
0.24
-
-
-
1.12
0.72
2014
0.00
-
0.00
0.00
0.05
2.42
0.14
-
0.22
0.00
0.62
0.48
0.87
0.34
2.27
0.01
0.00
-
-
-
-
1.19
0.00
0.62
-
0.29
-
0.13
0.63
0.41
ECB
Payment Statistics
October 2015
73
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
15.1 Value of payment transactions at terminals
POS transactions at terminals provided by resident PSPs
(EUR billions; total for the period)
With cards issued by non-resident PSPs
2010
9.28
22.85
.
10.35
0.55
0.22
0.17
1.08
0.68
0.32
3.17
-
1.63
-
0.24
0.40
0.29
0.79
4.08
2.14
4.05
0.41
2.01
1.65
0.33
-
-
1.57
56.34
68.26
2011
10.49
25.36
.
11.04
0.62
0.33
0.24
1.14
0.81
.
3.13
-
1.82
-
0.29
0.48
0.32
1.04
4.15
16.67
4.43
0.43
1.25
2.02
0.35
-
-
2.02
62.55
88.75
2012
11.58
30.70
.
12.06
0.64
0.39
0.26
1.01
0.89
.
3.09
-
1.98
-
0.33
0.52
0.35
1.18
5.26
37.91
4.34
0.37
1.84
2.29
0.42
-
3.55
2.18
73.88
123.41
2013
12.95
34.96
0.54
13.62
0.57
0.71
0.32
0.89
0.98
.
3.36
-
-
2.17
0.38
0.90
0.39
1.24
5.21
16.08
4.68
0.41
0.88
2.70
-
0.46
3.60
2.86
82.99
111.20
2014
16.05
33.56
1.22
2.91
0.62
0.58
0.33
8.49
1.01
.
4.40
6.07
2.55
-
4.36
0.43
1.45
3.09
38.49
0.51
13.79
3.54
0.48
0.79
0.37
1.11
5.91
30.35
138.59
182.84
2010
91.53
345.07
.
120.56
1.98
1.32
1.37
2.89
9.38
0.54
85.16
26.35
21.00
52.75
51.99
0.81
7.00
42.84
150.83
2.34
22.77
5.46
2.88
3.95
2.88
35.49
52.99
498.83
1,000.20
1,640.98
With cards issued by resident PSPs
2011
93.75
373.12
.
141.75
2.19
1.49
1.53
2.94
10.26
0.75
87.03
27.97
23.81
54.85
55.07
1.12
9.62
45.06
165.42
2.69
23.57
4.87
3.50
4.06
3.45
35.50
59.26
546.13
1,078.97
1,780.76
2012
92.75
398.97
.
160.54
2.26
1.66
1.82
2.95
9.54
0.51
88.89
30.43
26.58
54.26
58.62
1.02
9.86
47.51
174.62
3.05
23.40
4.45
4.03
4.19
3.75
34.11
66.70
588.06
1,137.72
1,894.51
2013
93.16
390.97
5.29
165.45
2.15
1.92
2.14
3.00
9.63
0.81
92.50
33.39
29.29
52.74
61.96
1.13
10.90
49.17
194.36
3.33
23.14
4.33
4.67
4.19
4.00
35.62
71.75
612.73
1,165.09
1,963.72
2014
106.05
381.16
5.50
141.51
1.93
2.27
2.57
3.05
6.67
0.65
96.98
25.33
34.56
57.49
53.79
1.35
11.85
52.16
193.35
3.61
12.91
4.71
5.13
4.19
5.14
39.22
72.91
682.76
1,133.33
2,008.79
74
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
15.1 Value of payment transactions at terminals (cont'd)
With cards issued by resident PSPs
(EUR billions; total for the period)
POS transactions at terminals provided
by non-resident PSPs
2010
0.99
4.14
18.12
1.09
0.79
.
0.51
0.34
1.73
0.68
0.25
8.92
1.48
-
0.91
0.81
0.33
0.54
0.89
2.04
32.02
6.75
0.33
1.05
4.40
18.38
0.38
-
63.83
107.88
2011
0.90
4.12
20.48
1.49
0.85
.
0.63
0.42
1.82
0.81
0.28
9.29
1.78
-
0.97
0.97
0.34
0.67
0.92
2.77
32.37
8.23
0.42
1.33
9.50
21.53
0.47
-
72.35
123.35
2012
0.79
3.72
22.60
1.71
0.92
.
0.80
0.52
2.39
0.96
0.33
9.87
2.08
-
1.01
1.08
0.36
0.81
0.98
3.19
42.33
8.28
0.54
1.42
5.38
23.83
0.44
-
78.02
136.32
2013
0.71
3.90
25.00
-
2.23
0.83
0.92
0.59
2.17
1.20
0.41
10.60
-
2.49
1.99
1.27
0.56
0.95
1.03
3.69
47.63
9.55
0.63
1.49
5.96
29.54
0.41
4.49
94.37
160.24
2014
0.97
5.97
17.66
0.77
0.71
-
1.03
0.64
3.25
1.31
0.36
9.11
8.79
2.95
2.21
1.15
0.64
1.08
2.68
4.01
69.37
9.90
0.50
1.76
6.64
83.79
0.44
10.69
160.06
248.38
2011
0.00
-
0.00
-
0.43
-
0.14
-
0.00
-
0.10
9.71
0.04
.
0.08
-
0.00
-
-
-
-
0.23
-
0.01
0.12
-
-
-
10.87
10.88
2010
0.00
-
0.00
-
0.47
-
0.13
-
0.00
-
0.09
7.42
0.00
.
0.07
-
-
-
-
-
-
0.26
-
0.03
0.14
-
-
-
8.59
8.62
E-money payment transactions with cards
on which e-money can be stored directly
2012
-
0.00
0.11
12.69
0.06
.
0.00
-
-
-
-
0.34
0.16
-
0.19
-
-
0.00
-
-
-
0.23
-
0.00
-
0.12
-
-
13.90
13.90
2013
0.11
-
-
0.00
11.75
0.06
0.00
-
-
-
0.29
.
0.16
-
0.61
-
0.00
-
-
-
-
0.14
-
0.00
0.11
-
-
-
13.24
13.25
2014
0.00
-
0.00
0.00
0.13
.
-
.
0.10
0.00
0.21
0.06
2.70
.
0.79
0.00
0.00
-
-
-
-
0.07
0.00
0.00
-
0.46
-
0.04
4.52
4.58
ECB
Payment Statistics
October 2015
75
15.2 Increase/decrease in the real value of payment transactions at terminals
POS transactions at terminals provided by resident PSPs
(annual percentage changes; HICP-adjusted)
With cards issued by non-resident PSPs
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2011
10.42
8.07
-
2.83
7.65
47.49
34.15
1.81
16.69
5.07
-3.52
-
7.53
-
5.88
2.61
-41.00
19.75
2.17
-
-
25.35
20.30
18.13
3.76
28.17
-4.15
656.74
7.43
26.20
2014
25.35
-4.08
126.58
-78.62
9.65
-
2.20
863.62
8.23
11.66
30.90
-
17.53
-
-6.54
8.06
74.11
14.15
11.10
-
284.39
27.27
25.71
-12.75
-3.90
-10.44
18.79
78.20
.
.
2013
11.47
12.92
-
12.15
-8.74
84.73
22.02
-13.49
12.43
27.42
7.44
-
9.55
-
6.58
10.66
-51.32
17.86
6.88
-
0.94
33.43
11.61
71.50
9.35
2.98
-1.91
-56.47
11.40
.
2012
7.19
19.26
-
6.53
1.53
12.92
7.18
-13.14
7.46
-21.28
-4.74
-
6.66
-
-3.90
-15.36
46.61
11.24
15.13
-
-
7.79
13.32
5.31
7.69
9.94
21.00
106.92
.
.
2011
0.07
5.31
-
13.43
6.49
8.46
8.32
-1.69
6.59
35.75
-0.32
2.66
11.87
0.46
2.66
35.23
29.96
2.73
7.24
10.60
2.06
-12.69
18.54
0.54
14.72
-2.51
5.41
6.30
4.74
5.32
With cards issued by resident PSPs
2012
-3.95
5.32
-
10.40
1.49
8.31
15.54
-2.14
-8.45
-33.23
-1.19
5.69
10.91
-3.09
4.26
-11.25
2.47
3.35
3.45
9.39
-2.38
-8.83
15.68
0.02
5.12
-7.13
7.38
-2.02
3.15
3.95
2013
0.14
-2.82
-
2.37
-3.61
16.83
16.91
0.16
2.97
57.61
2.62
7.60
9.95
-2.96
4.48
11.71
12.46
3.24
9.96
7.08
-1.47
-1.01
13.35
-0.72
6.32
2.44
6.54
6.95
1.55
.
2014
15.15
-2.59
4.73
-14.40
-9.34
-
20.19
2.69
-27.35
-20.18
4.91
-24.74
18.36
9.30
-12.85
21.22
15.16
5.95
-0.61
8.23
-44.03
11.63
9.28
-0.02
28.65
9.51
6.57
5.19
-2.73
2.39
76
ECB
Payment Statistics
October 2015
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
15.2 Increase/decrease in the real value of payment transactions at terminals (cont'd)
With cards issued by resident PSPs
(annual percentage changes; HICP-adjusted)
POS transactions at terminals provided
by non-resident PSPs
E-money payment transactions with cards
on which e-money can be stored directly
2011
18.12
25.34
19.32
110.87
14.56
18.67
-
-10.99
-2.88
10.04
32.21
3.35
-
18.57
18.85
1.56
15.54
9.82
1.63
18.66
-
2.21
15.72
-0.94
19.04
1.21
28.22
-1.84
9.66
10.97
2012
-1.44
25.93
7.09
-44.54
8.47
-11.06
-
-13.00
-12.22
8.68
-
11.72
6.96
22.91
21.68
28.08
17.31
14.17
2.77
15.91
-
2.22
12.44
3.89
16.68
2.23
9.68
18.98
5.49
7.98
2013
-8.57
4.47
9.74
29.38
-8.17
-
16.19
12.71
-10.68
27.72
24.68
5.89
19.40
-
96.52
14.75
54.94
16.86
3.39
14.50
15.50
14.09
18.34
6.54
10.60
22.47
-7.94
-
.
.
2014
4.04
-19.51
25.07
11.20
183.40
8.15
138.87
41.16
54.70
-29.43
-65.27
-13.94
-
8.59
-
51.34
14.04
-13.85
-14.02
18.77
-
11.24
-9.82
14.11
14.43
159.73
14.13
37.50
.
.
2011
-14.91
-
-62.97
-
-14.79
-
-
-
-31.54
8.20
26.25
-
-
-71.91
-
-
-
-
-11.11
7.21
-
18.72
-
-
-
-
-
-
.
.
2012
-3.69
-
-72.34
-2.81
-
-
-
-49.73
-
9.56
27.35
27.18
-
-22.41
-
6.67
-
-
-
-
-
126.71
-
54.78
-
-
-
-
25.11
.
2013
-39.04
-
4.07
-11.82
-
-
-
-
-
-3.99
-
-8.00
13.30
-15.26
-
-0.07
-
-
-
-
-
222.92
-
-
-2.72
-
-
-
.
.
2014
-51.51
-
44.50
-
329.15
-
-
88.07
-
-
1,138.64
-77.03
-71.59
4.67
-54.89
-97.28
-
-
-
-
-
29.80
-
-
-
-
-
-
.
.
ECB
Payment Statistics
October 2015
77
15.3 Value of payment transactions per terminal provided by resident PSPs
(EUR thousands; total for the period)
POS transactions at terminals provided by resident PSPs
With cards issued by non-resident PSPs
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area total
EU total
2010
5.87
2.09
11.16
-
-
7.77
3.99
20.10
1.71
7.68
22.59
9.08
4.62
84.22
8.64
26.62
12.25
29.32
6.72
20.71
14.91
-
12.74
-
3.81
6.68
16.02
.
8.75
7.85
2011
6.64
2.35
14.03
-
-
7.94
5.45
20.19
12.25
7.69
25.38
13.48
6.19
89.45
9.59
27.30
11.21
31.43
6.63
12.21
16.08
-
11.79
-
5.57
7.70
17.56
.
9.46
9.85
2012
7.62
2.62
13.46
-
-
8.71
6.73
24.67
23.13
7.98
24.35
15.73
8.04
85.92
10.35
20.72
11.53
31.88
5.39
16.90
17.32
-
15.41
23.34
6.79
8.80
21.93
.
11.32
13.33
2013
8.38
2.95
25.30
-
-
9.21
6.30
26.64
9.72
8.59
26.66
27.32
9.22
76.66
10.75
26.52
13.49
5.76
9.18
18.66
-
-
16.63
23.33
10.23
11.51
26.01
5.90
13.37
12.27
2014
49.71
-
9.44
3.65
23.88
8.11
7.09
29.98
17.83
1.57
27.17
20.43
8.33
66.59
9.60
29.14
15.56
23.81
5.67
14.30
22.20
43.68
17.65
338.31
27.16
13.11
20.89
12.29
19.67
18.22
2010 2011
376.02
390.79
13.38
72.20
17.42
93.72
388.12
359.20
222.40
232.69
90.19
90.32
284.65
153.96
13.21
13.45
65.89
68.79
241.87
258.44
.
.
89.42
81.15
55.32
37.13
98.78
90.22
60.37
40.18
225.20
230.95
119.61
121.22
45.13
59.81
329.34
311.24
244.84
260.46
83.12
89.04
189.46
200.11
25.30
28.05
111.00
118.79
76.83
86.84
180.16
186.85
260.90
288.33
398.21
401.40
155.38
163.17
188.77
197.62
2012 2013
430.20
-
14.85
90.72
16.02
113.86
359.39
339.16
242.53
261.37
112.24
121.33
153.78
150.09
13.86
15.50
70.46
82.81
284.98
290.81
.
57.39
106.27
104.44
86.52
100.03
67.58
56.23
74.22
61.81
249.91
258.13
111.49
106.01
38.50
60.94
332.20
371.18
270.19
281.16
89.08
89.76
208.82
203.30
31.91
36.47
108.25
117.79
93.00
95.59
194.90
181.71
312.58
366.63
358.73
370.48
174.26
187.76
204.62
216.64
2014
76.59
84.31
79.58
65.63
23.90
63.56
47.87
343.20
207.45
86.80
213.03
39.28
127.41
112.68
249.96
370.14
401.18
293.59
17.66
117.25
374.62
219.42
125.43
316.87
36.08
86.64
237.18
55.24
160.86
200.21
2010
1.63
-
0.24
-
-
-
-
-
-
0.46
-
-
6.88
-
-
-
-
4.03
-
3.10
-
0.59
0.04
0.68
.
-
-
-
9.61
9.54
2011
1.83
-
0.30
-
-
-
-
-
-
10.07
-
-
-
-
-
-
-
3.76
2.99
-
-
0.52
0.04
0.81
.
-
-
-
13.04
13.00
E-money payment transactions with cards
on which e-money can be stored directly
With cards issued by resident PSPs
2012
1.84
-
0.73
-
-
-
-
-
-
9.34
-
-
-
-
-
-
-
2.46
-
-
0.55
-
0.06
1.59
.
-
-
-
20.54
20.51
2013
1.82
-
2.36
-
-
-
-
-
-
9.53
-
-
-
-
-
-
-
0.59
-
-
0.50
-
2.32
-
-
-
-
-
20.61
19.72
2014
0.32
-
2.93
0.05
-
-
-
-
-
4.40
-
-
-
7.49
-
-
-
4.52
-
-
-
-
-
0.36
0.00
0.76
-
1.11
2.80
2.66
78
ECB
Payment Statistics
October 2015
15.4 Value of payment transactions per card
With cards issued by resident PSPs
(EUR; total for the period)
POS transactions at terminals provided
by resident PSPs
POS transactions at terminals provided by
non-resident PSPs
2010 2011 2012 2013 2014 2010 2011 2012 2013 2014
Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Croatia
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
2,673.09
106.76
731.42
2,752.94
140.50
979.78
2,838.92
123.89
970.27
3,091.49
146.48
1,048.84
2,450.57
186.34
1,078.52
451.08
68.93
159.94
5,358.22
5,555.15
5,741.43
5,819.15
5,843.75
550.40
1,171.26
649.61
705.33
1,180.62
1,271.52
1,311.08
1,451.26
1,443.38
143.83
165.48
178.92
220.57
1,301.25
1,512.35
1,705.68
1,860.24
1,988.17
213.11
265.75
243.68
228.47
4,056.70
3,990.38
3,870.85
3,709.17
2,095.19
-
743.43
625.51
244.00
719.71
1,735.06
383.74
351.70
332.98
312.14
363.36
1,278.69
1,359.26
1,348.05
1,335.63
1,559.78
.
543.83
642.36
320.34
394.52
.
.
609.22
648.82
698.53
808.79
973.77
501.88
596.61
730.17
2,449.08
2,539.73
2,665.81
2,819.82
2,082.74
656.62
742.98
802.89
845.22
958.22
347.03
42.68
109.86
69.64
57.90
46.40
-
.
411.19
52.06
135.12
65.07
59.73
4,066.19
4,495.09
4,847.02
4,755.00
4,703.38
213.57
246.70
1,721.36
2,104.54
2,354.61
2,304.75
1,921.53
15.57
22.19
1,440.68
1,669.96
1,776.53
1,919.57
1,750.76
572.94
644.55
210.51
271.83
79.50
107.43
793.43
1,021.78
649.86
1,003.18
778.55
369.46
384.90
2,814.70
2,857.47
2,913.29
3,037.29
3,033.66
294.69
305.02
55.68
Portugal
Romania
Slovenia
Slovakia
Finland
2,678.47
224.72
2,726.03
262.52
553.43
646.81
4,838.47
4,537.11
2,670.61
294.00
814.81
4,338.14
2,819.66
330.08
837.18
4,572.65
3,085.49
354.89
1,115.62
1,235.65
1,270.60
1,283.56
1,327.67
977.97
4,378.25
46.44
63.47
93.78
103.48
121.06
48.09
72.38
102.34
125.49
117.86
Sweden 2,645.16
2,807.61
3,126.17
3,266.13
3,299.18
101.80
131.43
United Kingdom 3,398.08
3,709.22
3,878.99
3,894.35
4,293.75
218.12
219.86
.
-
400.84
476.65
65.14
81.60
139.84
143.21
58.79
54.14
418.61
323.45
62.89
49.70
78.79
-
109.31
175.48
124.05
149.48
279.20
.
50.90
55.96
274.51
304.11
25.12
31.08
722.68
743.96
335.46
386.30
143.92
164.95
2,158.21
1,734.93
1,508.22
1,490.83
1,438.04
1,294.73
1,075.28
1,223.44
1,078.51
1,533.14
1,055.09
1,154.93
1,070.56
1,077.57
751.74
76.56
90.84
107.89
134.71
147.52
511.19
347.99
71.90
89.55
-
-
106.26
172.33
198.16
131.97
167.84
302.70
74.93
87.80
217.92
-
10.51
644.13
442.58
182.41
428.18
284.88
722.58
81.79
118.34
79.46
203.43
205.91
299.69
181.57
436.23
Euro area total 2,111.48
2,282.45
2,388.46
2,425.30
2,331.81
134.76
153.06
EU total 2,254.36
2,447.88
2,568.11
2,588.38
2,623.60
148.21
169.56
163.79
196.45
184.78
211.21
329.32
324.40
E-money payment transactions with cards
on which e-money can be stored directly
2010
-
0.01
1.07
105.98
0.00
.
-
0.00
2.91
-
15.52
-
11.99
-
3.38
-
-
-
-
-
-
13.57
-
3.09
-
1.10
-
-
18.13
11.84
2011 2012 2013
11.59
-
1.18
0.94
-
-
-
11.04
-
0.32
0.91
-
-
-
0.01
-
1.22
0.00
-
1.37
1.33
-
-
.
.
0.54
144.22
186.12
163.72
33.64
44.84
56.96
0.00
-
0.67
-
14.05
-
12.98
-
0.00
11.25
13.76
-
-
-
-
-
0.00
-
-
-
1.04
9.68
13.51
-
4.06
-
0.15
-
-
-
-
9.31
-
0.28
-
-
-
-
32.70
-
0.26
-
-
-
-
7.01
-
0.32
0.81
-
-
-
22.99
14.96
29.18
18.85
27.57
17.47
2014
7.69
0.00
2.53
6.85
36.63
16.28
0.00
-
0.00
0.00
1.06
4.16
0.36
-
42.49
0.08
0.00
-
-
-
-
3.09
0.00
0.41
-
3.46
-
5.95
9.30
5.98
ECB
Payment Statistics
October 2015
79
16.1 Participation in selected payment systems
(end of period)
A. PROCESSING THE EURO
I. LVPS
1. TARGET2
TARGET2 as a whole
EURO AREA
RECOUR & TARGET2-BE
TARGET2-DE
TARGET2-EE
TARGET2-IE
HERMES & TARGET2-GR
SLBE & TARGET2-ES
TBF & TARGET2-FR
TARGET2-IT
TARGET2-CY
TARGET2-LV
LIPS-Gross & TARGET2-LU
TARGET2-MT
TARGET2-NL
HOAM.AT & TARGET2-AT
TARGET2-PT
TARGET2-SI
TARGET2-SK
BoF-RTGS & TARGET2-FI
EPM & TARGET2-ECB EU
EU NON-EA
TARGET2-BG
KRONOS & TARGET2-DK
LITAS-PHA & TARGET2-LT
TARGET2-PL
TARGET2-RO
2. NON-TARGET
EURO AREA
Estonia
ESTA
Cyprus
Large-value Credit Transfer System
Finland
POPS
3. EUROPEAN UNION
EURO1/STEP1
II. MULTI-CURRENCY SYSTEMS
CLS
III. RETAIL SYSTEMS
EURO AREA
Belgium
CEC
Germany
RPS
274
61
15
30
10
47
2,730
17
32
50
232
306
462
20
26
71
2
99
94
56
25
33
22
4
19
115
14
35
-
2010
4,511
Number of participants
2011 2012 2013
4,483 4,483 2,325
48
2,745
18
29
53
210
308
441
21
25
73
4
100
95
58
25
35
25
4
19
111
13
23
-
48
2,744
17
28
50
191
320
426
22
27
69
5
107
100
59
25
33
25
4
22
102
13
23
23
20
26
66
5
112
97
46
874
16
28
36
182
328
170
53
24
32
26
4
26
95
12
23
24
75
221
15
30
12
259
63
74
212
16
29
12
235
64
72
204
65
70
202
15
-
12
212
2014
15
.
12
199
64
63
175
2010
of which: Direct participants
2011 2012 2013
1,055
15
26
26
2
55
94
11
219
17
22
25
133
83
102
45
25
33
20
4
19
39
5
35
-
2,364
23
27
65
5
111
98
45
944
15
23
33
179
320
167
52
24
33
26
4
25
88
12
21
24
15
30
9
274
59
19
221
15
30
10
259
61
1,103
15
25
29
4
54
95
12
280
18
17
25
112
89
101
46
25
35
23
4
19
39
13
23
-
18
212
16
29
10
235
62
15
204
14
202
1,534
16
26
32
5
66
97
14
644
16
17
31
96
124
102
43
24
32
24
4
26
36
12
23
24
1,171
16
27
31
5
61
100
14
283
17
17
30
101
114
103
49
25
33
23
4
22
37
13
23
23
15
-
10
212
63
2014
1,599
19
27
31
5
66
98
14
719
15
14
28
95
121
105
42
24
33
24
4
25
33
12
21
24
13
175
15
.
10
199
62
80
ECB
Payment Statistics
October 2015
16.1 Participation in selected payment systems (cont'd)
(end of period)
2010
Number of participants
2011 2012 2013
A. PROCESSING THE EURO (cont.)
III. RETAIL SYSTEMS (cont.)
EURO AREA (cont.)
Ireland
IRECC
IPCC
Greece
DIAS
ACO
Spain
SNCE
France
CORE
Italy
Cyprus
Cyprus Clearing House
JCC Payment Cards System
JCC Transfer System
Government Payments System
FBMECS Payment Cards System
JCC Sepa Direct Debits System
Latvia
EKS
Malta
Malta Clearing House
Netherlands
Equens
Austria
STEP.AT
CS
Portugal
SICOI
Slovenia
SEPA IKP System
SEPA IDD Core System
SEPA IDD B2B System
Slovakia
SIPS
Finland
PMJ
EU NON-EA
Denmark
The Sumclearing Euro
Poland
EuroELIXIR
Bulgaria
BISERA7-EUR
EUROPEAN UNION
STEP2 XCT Service
STEP2 ICT Service
STEP2 SCT Service
STEP2 SDD CORE Service
STEP2 SDD B2B Service
26
8
47
270
-
-
19
21
14
21
.
.
53
15
60
48
204
402
32
11
66
23
20
11
1,673
73
4,669
3,935
3,405
121
619
14
68
.
4,696
3,874
3,366
115
618
15
64
262
42
27
9
-
22
.
.
20
21
14
187
419
60
14
57
45
29
11
68
23
21
12
26
9
29
257
100
-
19
14
.
22
.
.
58
14
39
27
172
380
28
-
62
22
20
12
1,789
76
4,638
3,894
3,341
30
12
68
23
.
.
133
623
14
58
50
212
421
48
17
-
18
19
13
21
.
.
26
8
48
270
-
70
.
4,823
4,024
3,438
-
617
15
2014
69
.
4,806
3,927
3,402
605
.
13
20
10
161
101
.
669
20
-
.
11
.
.
0
13
42
28
165
367
64
22
20
12
25
.
2010
of which: Direct participants
2011 2012 2013
29
27
14
103
6
124
91
66
29
25
14
97
6
123
87
71
44
36
-
26
8
88
19
20
14
21
.
.
46
48
6
7
20
10
32
11
35
23
20
11
25
25
15
6
.
125
90
74
61
33
36
27
9
86
20
20
14
22
.
.
44
45
6
7
20
10
29
11
34
23
21
12
48
36
-
26
8
88
17
18
13
21
.
.
22
11
45
50
7
8
30
12
36
23
.
.
29
34
42
25
9
83
19
14
.
22
.
.
18
10
27
27
6
7
28
-
33
22
20
12
24
-
15
6
.
127
93
78
2014
18
10
66
38
.
453
20
-
.
11
.
.
17
10
26
28
0
7
32
22
20
12
25
.
24
.
13
6
.
128
94
83
ECB
Payment Statistics
October 2015
81
16.1 Participation in selected payment systems (cont'd)
(end of period)
2010
Number of participants
2011 2012 2013
B. PROCESSING OTHER CURRENCIES
I. LVPS
EURO AREA
Estonia
Latvia
SAMS
EU NON-EA
Bulgaria
RINGS
Czech Republic
CERTIS
Denmark
Croatia
Croatian Large Value Payment System
Lithuania
LITAS-RLS
Hungary
VIBER
Poland
SORBNET
Romania
REGIS
Sweden
RIX
United Kingdom
20
25
37
53
25
-
54
47
105
.
24
186
37
55
25
-
55
48
111
.
24
189
31
54
24
-
57
49
119
.
24
189
26
-
28 27
-
36
52
27
-
51
47
102
33
23
177
II. RETAIL SYSTEMS
EU NON-EA
Bulgaria
BISERA
BORICA
SEP
Denmark
The Sumclearing DKK
Croatia
National Clearing System
Lithuania
LITAS-MMS
Hungary
ICS
Poland
ELIXIR
BlueCash
Romania
SENT
Sweden
Bankgirot
Dataclearing
United Kingdom
Cheque and Credit Clearings
BACS
Faster Payments Service
32
24
5
132
.
.
24
188
649
.
.
42
20
20
10
62,616
.
115
.
.
33
26
7
23
185
643
6
.
11
63,416
-
41
21
27
33
24
7
121
.
.
24
188
645
.
.
41
20
20
11
63,416
.
32
26
7
106
106
32
21
176
644
8
16
40
21
21
11
63,016
-
2014
89
89
32
30
26
-
20
174
630
9
53
42
21
21
11
61,316
-
33
51
27
-
49
47
113
33
21
175
.
.
2010
of which: Direct participants
2011 2012 2013
20
25
33
24
7
63
.
.
24
53
41
20
20
50
.
.
11
16
.
32
24
5
66
.
.
24
55
42
20
20
52
.
.
10
16
.
31
54
24
18
57
49
119
.
24
56
26
-
28
-
37
53
25
19
54
47
105
.
24
60
37
55
25
18
55
48
111
.
24
54
27
-
36
52
27
20
51
47
102
33
23
44
33
26
7
57
.
.
23
53
41
21
27
11
16
10
49
6
.
56
56
32
32
26
7
21
38
40
21
21
11
16
10
46
8
16
2014
33
51
27
21
49
47
113
33
21
46
52
52
32
30
24
-
20
40
42
21
21
11
16
10
44
9
53
.
.
82
ECB
Payment Statistics
October 2015
16.1 Participation in selected payment systems (cont'd)
(end of period)
A. PROCESSING THE EURO
I. LVPS
1. TARGET2
TARGET2 as a whole
EURO AREA
RECOUR & TARGET2-BE
TARGET2-DE
TARGET2-EE
TARGET2-IE
HERMES & TARGET2-GR
SLBE & TARGET2-ES
TBF & TARGET2-FR
TARGET2-IT
TARGET2-CY
TARGET2-LV
LIPS-Gross & TARGET2-LU
TARGET2-MT
TARGET2-NL
HOAM.AT & TARGET2-AT
TARGET2-PT
TARGET2-SI
TARGET2-SK
BoF-RTGS & TARGET2-FI
EPM & TARGET2-ECB EU
EU NON-EA
TARGET2-BG
KRONOS & TARGET2-DK
LITAS-PHA & TARGET2-LT
TARGET2-PL
TARGET2-RO
2. NON-TARGET
EURO AREA
Estonia
ESTA
Cyprus
Large-value Credit Transfer System
Finland
POPS
3. EUROPEAN UNION
EURO1/STEP1
II. MULTI-CURRENCY SYSTEMS
CLS
III. RETAIL SYSTEMS
EURO AREA
Belgium
CEC
Germany
RPS
98
85
92
30
.
77
76
100
93
-
43
90
63
62
100
63
87
74
47
52
91
51
97
27
64
62
73
-
100
2010
-
Concentration ratio in terms of volume
(percentages)
2011 2012 2013
-
44
91
64
63
100
69
91
70
48
53
92
50
75
24
64
61
74
-
100
70
80
94
80
78
42
90
62
60
100
68
91
66
50
54
91
50
78
74
78
100
35
64
58
63
76
94
76
77
45
91
60
69
100
68
92
67
53
54
90
50
79
36
64
56
74
-
100
68
82
91
73
80
2014
45
84
44
67
100
78
91
80
61
55
94
49
86
28
66
59
64
79
100
65
79
94
75
78
.
82
32
98
82
92
31
85
32
.
97
88
92
33
86
32
.
96
93
-
32
87
29
.
89
39
.
96
93
.
32
Concentration ratio in terms of value
(percentages)
2010 2011 2012 2013 2014
16
58
97
91
85
100
66
92
34
100
79
74
63
61
30
68
70
73
-
100
96
98
100
86
-
83
14
97
86
93
49
.
16
57
97
86
90
100
67
74
79
65
64
92
33
86
34
66
69
77
-
100
95
98
99
85
83
85
18
96
87
92
51
.
85
15
94
82
91
52
.
93
92
-
47
.
17
51
98
73
84
100
66
85
91
64
63
90
30
86
28
52
80
56
-
100
92
98
85
68
83
13
52
96
82
88
100
76
81
86
63
55
91
29
80
64
86
100
27
60
76
95
99
98
72
78
86
18
16
51
98
79
85
100
71
81
91
62
62
91
26
93
23
54
82
59
76
100
92
98
97
68
81
86
45
94
93
.
49
.
ECB
Payment Statistics
October 2015
83
16.1 Participation in selected payment systems (cont'd)
(end of period)
Concentration ratio in terms of volume
(percentages)
2010 2011 2012 2013 2014
A. PROCESSING THE EURO (cont.)
III. RETAIL SYSTEMS (cont.)
EURO AREA (cont.)
Ireland
IRECC
IPCC
Greece
DIAS
ACO
Spain
SNCE
France
CORE
Italy
Cyprus
Cyprus Clearing House
JCC Payment Cards System
JCC Transfer System
Government Payments System
FBMECS Payment Cards System
JCC Sepa Direct Debits System
Latvia
EKS
Malta
Malta Clearing House
Netherlands
Equens
Austria
STEP.AT
CS
Portugal
SICOI
Slovenia
SEPA IKP System
SEPA IDD Core System
SEPA IDD B2B System
Slovakia
SIPS
Finland
PMJ
EU NON-EA
Denmark
The Sumclearing Euro
Poland
EuroELIXIR
Bulgaria
BISERA7-EUR
EUROPEAN UNION
STEP2 XCT Service
STEP2 ICT Service
STEP2 SCT Service
STEP2 SDD CORE Service
STEP2 SDD B2B Service
80
49
78
98
90
-
94
94
.
.
99
99
75
55
61
78
61
.
.
-
95
97
-
96
68
-
92
37
100
31
77
92
72
-
89
43
100
51
80
89
73
52
69
97
90
-
94
94
.
.
99
99
68
58
61
77
61
78
0
97
97
-
-
-
-
72
94
100
.
46
93
85
83
52
80
96
89
-
93
95
.
.
99
99
73
59
62
77
67
78
85
98
97
63
-
-
79
-
95
100
.
38
84
74
83
53
86
.
95
100
.
.
83
96
98
99
84
63
61
81
66
77
85
99
56
73
78
-
82
.
94
100
.
46
59
55
84
41
68
95
87
.
-
.
94
.
98
99
94
90
68
82
64
76
83
98
70
.
76
.
Concentration ratio in terms of value
(percentages)
2010 2011 2012 2013 2014
77
-
89
29
100
27
76
91
81
54
75
97
86
-
90
92
.
.
96
97
67
62
58
97
-
69
63
.
.
88
88
.
78
-
92
38
100
29
84
81
77
-
95
100
.
27
85
76
75
58
62
92
85
-
88
99
.
.
96
98
68
66
57
69
62
78
91
94
89
62
-
-
79
-
95
100
.
27
71
81
75
58
60
92
80
.
92
99
.
.
97
98
77
71
58
76
63
77
87
93
58
65
69
-
81
57
61
95
86
-
90
95
.
.
96
98
66
67
58
69
61
91
0
89
91
.
-
-
76
54
54
95
79
.
-
.
90
.
98
99
92
84
62
75
63
76
88
90
65
.
68
.
81
.
95
100
.
36
56
57
84
ECB
Payment Statistics
October 2015
16.1 Participation in selected payment systems (cont'd)
(end of period)
2010
Concentration ratio in terms of volume
(percentages)
2011 2012 2013 2014
B. PROCESSING OTHER CURRENCIES
I. LVPS
EURO AREA
Estonia
Latvia
SAMS
EU NON-EA
Bulgaria
RINGS
Czech Republic
CERTIS
Denmark
Croatia
Croatian Large Value Payment System
Lithuania
LITAS-RLS
Hungary
VIBER
Poland
SORBNET
Romania
REGIS
Sweden
RIX
United Kingdom
65
56
59
89
73
80
.
50
-
82
62
54
58
88
73
51
-
78
.
76
53
54
56
87
76
52
-
76
.
78
83
73 72
-
70 72
-
.
59
56
53
87
73
82
68
50
-
83
59
56
53
89
72
80
69
52
-
71
II. RETAIL SYSTEMS
EU NON-EA
Bulgaria
BISERA
BORICA
SEP
Denmark
The Sumclearing DKK
Croatia
National Clearing System
Lithuania
LITAS-MMS
Hungary
ICS
Poland
ELIXIR
BlueCash
Romania
SENT
Sweden
Bankgirot
Dataclearing
United Kingdom
Cheque and Credit Clearings
BACS
Faster Payments Service
47
59
100
84
.
-
.
60
52
100
.
58
-
-
79
81
88
47
69
100
82
.
-
.
60
54
.
.
58
-
-
77
80
.
80
.
-
.
61
56
.
.
58
-
-
75
80
.
49
64
100
47
57
100
76
87
-
-
60
52
100
100
57
-
-
79
81
88
76
88
-
-
60
54
99
99
57
-
-
80
81
88
49
67
-
Concentration ratio in terms of value
(percentages)
2010 2011 2012 2013 2014
84
81
55
58
62
74
67
74
-
72
.
82
58
57
65
80
67
68
-
70
.
76
58
53
62
77
70
63
-
70
.
77
78
-
61
72
100
78
.
-
.
54
45
.
.
58
-
-
86
-
.
61
70
100
81
.
-
.
55
46
.
.
57
-
-
79
-
.
77
-
79
-
60
55
100
80
-
63
85
55
48
99
100
58
-
-
81
-
87
60
57
100
79
.
-
.
52
46
100
.
58
-
-
83
-
87
73
75
64
80
59
50
96
99
56
-
-
82
-
88
60
67
-
-
.
55
57
61
74
65
76
51
74
-
87
54
58
67
74
63
76
53
68
-
64
ECB
Payment Statistics
October 2015
85
16.2 Payments processed by selected payment systems: Number of transactions
(total for the period)
Number of transactions
(millions)
2011 2012 2013
A. PROCESSING THE EURO
I. LVPS
1. TARGET2
TARGET2 as a whole
EURO AREA
RECOUR & TARGET2-BE
TARGET2-DE
TARGET2-EE
TARGET2-IE
HERMES & TARGET2-GR
SLBE & TARGET2-ES
TBF & TARGET2-FR
TARGET2-IT
TARGET2-CY
TARGET2-LV
LIPS-Gross & TARGET2-LU
TARGET2-MT
TARGET2-NL
HOAM.AT & TARGET2-AT
TARGET2-PT
TARGET2-SI
TARGET2-SK
BoF-RTGS & TARGET2-FI
EPM & TARGET2-ECB EU
EU NON-EA
TARGET2-BG
KRONOS & TARGET2-DK
LITAS-PHA & TARGET2-LT
TARGET2-PL
TARGET2-RO
2. NON-TARGET
EURO AREA
Estonia
ESTA
Cyprus
Large-value Credit Transfer System
Finland
POPS
3. EUROPEAN UNION
EURO1/STEP1
II. MULTI-CURRENCY SYSTEMS
CLS
24.39
0.00
0.55
59.37
198.11
42.16
14.61
0.31
1.46
2.39
43.80
0.03
1.28
1.52
7.53
8.22
8.68
0.11
0.29
0.78
0.02
8.59
0.90
1.09
0.78
0.15
0.41
0.09
0.07
0.22
0.04
0.20
-
2010
87.18
24.37
0.00
0.56
62.32
88.98
2.59
43.85
0.09
1.12
1.51
7.58
8.77
8.65
0.13
0.31
0.82
0.02
8.35
1.67
1.07
0.78
0.19
0.41
0.10
0.11
0.20
0.06
0.51
0.11
206.86
45.49
13.14
0.38
1.42
25.50
0.00
0.53
66.59
89.62
2.49
43.81
0.09
1.02
1.11
7.62
8.66
8.92
0.15
0.33
0.88
0.04
8.52
1.80
1.07
0.71
0.28
0.47
0.14
0.14
0.20
0.13
0.82
0.22
176.63
37.39
10.97
0.40
2.29
26.66
0.49
-
64.14
91.34
2.31
44.40
0.11
0.92
1.10
7.67
9.12
10.38
0.22
0.35
0.91
0.06
7.98
1.68
1.09
0.69
0.32
0.39
0.15
0.18
0.20
0.11
0.81
0.21
204.97
36.88
13.48
0.46
2.85
III. RETAIL SYSTEMS
EURO AREA
Belgium
CEC
Germany
RPS
2014
204.70
34.38
14.30
0.52
2.99
1,170.22
2,662.93
1,224.94
2,690.06
1,295.12
2,817.08
1,365.56
3,115.51
1,272.23
4,075.30
87.76
2.52
41.30
0.16
0.92
0.85
7.24
9.38
11.48
0.14
0.36
1.16
0.08
6.38
1.50
1.21
0.71
0.26
0.40
0.17
0.22
0.16
0.11
0.82
0.25
2.20
0.45
.
57.68
Increase/decrease in the number of
transactions (percentages per annum)
2011 2012 2013 2014
-0.09
0.00
2.01
4.97
4.42
7.90
-10.06
22.58
-2.74
2.06
8.36
0.11
160.61
-12.42
-0.92
0.69
6.78
-0.40
12.61
6.97
5.24
0.00
-2.84
85.56
-1.29
0.77
24.67
-1.22
13.17
61.54
-9.09
27.91
160.41
-
4.68
1.02
4.66
-33.33
-5.39
6.85
-14.61
-17.81
-16.51
5.26
61.27
5.73
4.72
4.54
-7.59
-
-3.68
16.04
-1.35
22.84
15.50
24.24
1.92
-7.35
1.35
13.98
-10.28
-1.44
0.63
5.28
16.41
41.56
6.71
3.06
50.00
-6.34
-6.67
2.25
-3.51
14.70
-16.17
6.24
28.37
0.00
-11.90
-0.49
-4.09
0.72
-3.90
-0.09
8.14
-8.65
-26.33
0.46
-1.30
3.15
23.20
6.84
7.08
135.29
2.05
7.78
-0.37
-8.71
49.20
16.05
45.53
34.29
0.00
129.09
58.87
96.43
5.44
10.59
-3.92
9.23
-6.98
50.00
-0.06
-22.65
-5.61
2.91
10.54
-35.78
1.71
28.16
26.67
-20.02
-10.89
11.18
3.05
-20.00
2.28
15.07
19.89
-20.00
-1.80
0.62
18.01
-6.83
30.81
-91.73
-7.60
.
-10.07
-0.13
-6.80
6.11
13.42
5.06
86
ECB
Payment Statistics
October 2015
16.2 Payments processed by selected payment systems: Number of transactions (cont'd)
(total for the period)
2010
Number of transactions
(millions)
2011 2012 2013 2014
A. PROCESSING THE EURO (cont.)
III. RETAIL SYSTEMS (cont.)
EURO AREA (cont.)
Ireland
IRECC
IPCC
Greece
DIAS
ACO
Spain
SNCE
France
CORE
Italy
Cyprus
Cyprus Clearing House
JCC Payment Cards System
JCC Transfer System
Government Payments System
FBMECS Payment Cards System
JCC Sepa Direct Debits System
Latvia
EKS
Malta
Malta Clearing House
Netherlands
Equens
Austria
STEP.AT
CS
Portugal
SICOI
Slovenia
SEPA IKP System
SEPA IDD Core System
SEPA IDD B2B System
Slovakia
SIPS
Finland
PMJ
EU NON-EA
Denmark
The Sumclearing Euro
Poland
EuroELIXIR
Bulgaria
BISERA7-EUR
EUROPEAN UNION
STEP2 XCT Service
STEP2 ICT Service
STEP2 SCT Service
STEP2 SDD CORE Service
STEP2 SDD B2B Service
Increase/decrease in the number of
transactions (percentages per annum)
2011 2012 2013 2014
155.48
48.63
78.16
2.38
1,586.48
4,483.97
6.62
-
1,937.27
56.13
.
.
154.86
261.26
0.14
1.79
0.00
157.48
44.06
100.64
2.06
1,614.65
12,816.57
13,177.62
13,432.05
13,635.44
13,924.87
2,041.15
2,106.14
2,248.93
2,302.07
1,883.00
15.60
32.29
0.97
3.96
.
.
33.11
5.50
14.50
36.49
1.11
4.40
35.06
5.36
.
.
12.88
39.97
1.07
4.63
34.25
5.32
.
.
10.62
0.60
0.41
34.56
5.21
-
.
.
5.18
.
-
.
5.81
.
35.66
5.16
4,021.42
7.46
-
2,005.81
64.92
0.00
0.00
162.30
89.41
0.15
2.03
0.01
154.94
38.96
132.61
1.50
1,637.44
2,755.43
7.56
99.01
1,983.91
115.96
1.21
0.00
171.00
20.93
0.08
2.03
0.02
154.42
35.32
136.96
1.13
1,611.57
2,574.86
4.21
400.16
1,924.24
121.33
25.94
0.01
180.97
18.06
3.32
0.03
-
9.08
31.93
171.43
0.62
1,670.69
1,957.26
608.39
.
2,008.03
122.98
26.31
0.01
191.15
.
4.21
0.03
.
46.48
301.60
176.56
0.16
0.22
32.78
308.10
439.38
4.98
0.96
309.70
641.43
64.09
1.65
.
277.96
1,082.98
440.91
5.21
.
23.48
3,791.09
5,063.78
78.83
.
7.14
13.41
233.33
-29.47
2.16
148.86
2,949.25
336.51
1.29
-9.40
28.75
-13.34
1.78
2.82
3.18
-7.06
13.02
14.89
11.11
.
.
5.91
-2.51
-10.32
12.73
-
3.54
15.67
.
.
4.80
-65.78
-48.67
0.00
110.00
0.52
.
45.99
1,186.73
71.51
-0.33
-9.33
3.28
-24.93
-1.58
1.51
2.36
-17.51
.
-44.18
-91.11
.
.
0.92
-2.07
-6.55
-44.29
304.14
-3.01
4.63
2,038.50
133.33
5.83
-13.72
-1.62
-11.58
31.77
-26.99
1.41
1.93
6.78
-11.18
9.54
-3.42
5.25
.
.
-2.32
-0.77
-31.48
1.35
-
-1.09
78.61
-
-
5.36
-76.59
63.55
-
23.81
26.93
.
11.54
-10.25
.
68.84
587.93
216.25
-91.55
.
250.06
1,048.50
1,414.07
-94.12
-9.61
25.17
-45.26
3.67
2.12
-18.20
-51.23
.
-
.
-
.
3.17
-0.84
-23.99
52.04
.
4.35
1.36
1.43
14.29
5.63
.
ECB
Payment Statistics
October 2015
87
16.2 Payments processed by selected payment systems: Number of transactions (cont'd)
(total for the period)
Number of transactions
(millions)
2011 2012 2013 2014 2010
B. PROCESSING OTHER CURRENCIES
I. LVPS
EURO AREA
Estonia
Latvia
SAMS
EU NON-EA
Bulgaria
RINGS
Czech Republic
CERTIS
Denmark
Croatia
Croatian Large Value Payment System
Lithuania
LITAS-RLS
Hungary
VIBER
Poland
SORBNET
Romania
REGIS
Sweden
RIX
United Kingdom
0.05
0.19
1.10
2.17
2.62
2.96
32.15
0.99
468.86
0.77
.
0.31
0.22
-
1.29
2.62
2.95
3.46
34.02
1.06
490.16
0.82
.
0.39
0.23
-
1.55
2.97
3.17
3.62
33.94
1.04
509.62
0.89
.
0.45
0.24
-
1.41
3.08
3.32
3.81
34.98
1.03
528.33
1.03
0.30
0.53
-
-
1.39
3.11
3.51
4.06
36.52
1.02
549.21
1.11
0.32
0.60
II. RETAIL SYSTEMS
EU NON-EA
Bulgaria
BISERA
BORICA
SEP
Denmark
The Sumclearing DKK
Croatia
National Clearing System
Lithuania
LITAS-MMS
Hungary
ICS
Poland
ELIXIR
BlueCash
Romania
SENT
Sweden
Bankgirot
Dataclearing
United Kingdom
Cheque and Credit Clearings
BACS
Faster Payments Service
51.84
66.23
0.00
1,607.50
.
28.26
.
238.92
1,331.15
.
.
56.42
751.00
109.90
865.72
5,672.59
.
53.92
96.80
0.00
1,743.01
.
30.21
.
239.29
1,402.38
.
.
57.15
791.00
125.50
762.64
5,717.00
.
56.16
73.40
0.00
1,823.61
.
31.17
.
254.89
1,462.59
0.02
.
58.60
808.00
135.00
667.42
5,616.39
811.09
53.40
79.60
0.00
1,937.10
52.35
146.10
31.40
264.40
1,527.88
0.33
0.96
61.78
850.00
140.00
587.26
5,695.03
967.63
60.57
86.01
-
1,842.52
222.54
153.58
32.96
274.29
1,607.00
0.94
1.61
68.34
903.00
145.00
518.46
5,841.23
1,100.93
Increase/decrease in the number of
transactions (percentages per annum)
2011 2012 2013 2014
11.92
-
17.76
20.52
12.76
16.89
5.83
6.24
4.54
6.88
.
26.77
4.00
46.16
-33.33
8.43
.
6.87
.
0.16
5.35
.
.
1.31
5.33
14.19
-11.91
0.78
.
6.48
-
20.11
13.17
7.49
4.62
-0.26
-1.42
3.97
7.78
.
13.49
2.17
-
-4.92
8.45
-
6.22
.
0.75
.
3.73
4.46
1,400.00
.
5.44
5.20
3.70
-12.01
1.40
19.30
4.16
-24.17
-50.00
4.62
.
3.19
.
6.52
4.29
.
.
2.53
2.15
7.57
-12.49
-1.76
.
-8.95
3.84
4.73
5.25
3.06
-1.25
3.67
16.12
.
18.61
-1.41
1.07
5.63
6.56
4.42
-0.39
3.95
7.67
4.62
13.23
13.43
8.05
-
-4.88
325.10
5.12
4.95
3.74
5.18
184.85
67.40
10.60
6.24
3.57
-11.72
2.57
13.78
-
-
88
ECB
Payment Statistics
October 2015
16.3 Payments processed by selected payment systems: Value of transactions
(total for the period)
A. PROCESSING THE EURO
I. LVPS
1. TARGET2
TARGET2 as a whole
EURO AREA
RECOUR & TARGET2-BE
TARGET2-DE
TARGET2-EE
TARGET2-IE
HERMES & TARGET2-GR
SLBE & TARGET2-ES
TBF & TARGET2-FR
TARGET2-IT
TARGET2-CY
TARGET2-LV
LIPS-Gross & TARGET2-LU
TARGET2-MT
TARGET2-NL
HOAM.AT & TARGET2-AT
TARGET2-PT
TARGET2-SI
TARGET2-SK
BoF-RTGS & TARGET2-FI
EPM & TARGET2-ECB EU
EU NON-EA
TARGET2-BG
KRONOS & TARGET2-DK
LITAS-PHA & TARGET2-LT
TARGET2-PL
TARGET2-RO
2. NON-TARGET
EURO AREA
Estonia
ESTA
Cyprus
Large-value Credit Transfer System
Finland
POPS
3. EUROPEAN UNION
EURO1/STEP1
II. MULTI-CURRENCY SYSTEMS
(Value of transactions: EUR trillions)
CLS
Value of transactions
(EUR billions; unless otherwise stated)
2010 2011 2012 2013 2014
631,439.95 651,274.94 711,025.77 559,695.98 499,271.78
20,199.74
22,163.17
18,712.57
16,177.33
16,247.94
258,596.82 252,915.18 275,656.97 224,328.70 169,144.95
83.64
314.27
361.67
274.28
248.38
7,641.99
5,311.88
4,565.27
4,517.92
4,365.10
7,180.43
6,004.53
5,089.57
8,618.17
6,599.88
88,310.86
94,393.33
88,333.37
65,079.15
62,229.48
94,072.11 102,300.96 110,243.10
87,565.14
86,777.47
33,176.67
33,051.54
32,663.33
37,465.23
41,420.29
445.08
412.25
687.99
479.53
676.42
199.99
227.76
185.93
131.95
342.97
7,901.44
10,938.84
10,699.55
7,945.48
7,824.81
76.45
109.13
197.89
97.91
85.45
77,458.60
79,205.58 105,830.29
69,177.62
58,931.60
6,836.29
11,367.35
16,501.92
12,138.59
16,637.32
5,153.08
5,663.82
3,711.94
2,774.85
2,840.26
593.55
594.51
713.55
608.45
684.66
682.25
699.61
840.30
627.24
670.76
9,060.65
12,139.31
23,371.99
9,893.75
9,751.54
9,502.47
9,358.58
8,893.01
7,513.45
9,977.12
181.16
286.31
313.39
335.82
324.34
3,788.41
3,328.52
2,898.02
3,442.37
2,906.78
97.24
123.21
137.39
75.72
78.91
201.05
-
315.25
50.06
301.15
115.60
322.80
104.52
410.80
94.55
2010
7.24
8.45
5.90
2.53
5.97
4.72
11.72
11.45
3.82
4.01
0.70
10.10
4.50
9.01
7.60
4.75
0.77
4.55
22.10
110.47
2.79
17.22
2.26
1.02
-
Average value per transaction
(EUR millions)
2011 2012 2013
7.32
8.55
5.77
3.65
4.74
3.98
12.45
11.66
3.82
3.30
0.74
13.29
6.42
9.49
6.81
5.29
0.76
3.74
29.97
96.13
2.73
16.64
2.24
0.61
0.45
7.93
7.52
6.29
3.89
4.46
4.58
11.59
12.73
3.66
4.47
0.57
12.14
4.95
12.42
9.17
3.48
1.00
3.01
49.73
62.77
2.22
14.49
1.09
0.37
0.53
6.13
7.23
2.54
0.88
1.96
25.11
49.92
3.61
2.20
0.38
8.75
1.63
8.67
7.01
5.05
2.59
4.92
7.87
8.49
9.60
1.86
17.21
0.68
0.40
0.50
25.72
4.92
325.07
31.09
9.74
376.85
33.81
14.01
338.26
35.86
-
282.96
3.14
299.46
62,207.65
64,020.31
57,907.27
48,677.70
41,249.94
781.43
161.79
57.77
7.04
12.28
893.59
182.48
64.08
7.10
12.79
878.47
185.88
65.33
7.58
13.16
897.15
1,042.06
182.31
191.17
74.62
7.43
11.98
76.73
7.70
11.52
.
0.00
1.64
0.60
1.05
3.94
3.84
3.95
22.71
8.41
0.00
3.25
0.68
1.03
4.32
4.01
4.88
18.68
9.01
0.00
7.00
0.64
0.87
4.97
4.97
5.96
18.94
5.75
4.38
4.94
5.54
16.08
4.21
0.00
-
0.58
0.76
III. RETAIL SYSTEMS
EURO AREA
Belgium
CEC
Germany
RPS
846.92
886.67
909.13
911.61
870.68
2,299.96
2,412.34
2,511.11
2,741.43
3,478.92
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2014
5.69
11.11
2.34
0.97
2.62
24.20
57.61
3.61
4.83
0.96
6.72
1.12
9.23
6.45
4.10
1.56
4.75
7.79
8.60
9.25
1.49
18.17
0.72
0.50
0.38
5.09
5.56
5.37
14.69
3.85
0.00
0.00
0.00
0.67
.
0.72
ECB
Payment Statistics
October 2015
89
16.3 Payments processed by selected payment systems: Value of transactions (cont'd)
(total for the period)
2010
Value of transactions
(EUR billions)
2011 2012 2013 2014
A. PROCESSING THE EURO (cont.)
III. RETAIL SYSTEMS (cont.)
EURO AREA (cont.)
Ireland
IRECC
IPCC
Greece
DIAS
ACO
Spain
SNCE
France
CORE
Italy
Cyprus
Cyprus Clearing House
JCC Payment Cards System
JCC Transfer System
Government Payments System
FBMECS Payment Cards System
JCC Sepa Direct Debits System
Latvia
EKS
Malta
Malta Clearing House
Netherlands
Equens
Austria
STEP.AT
CS
Portugal
SICOI
Slovenia
SEPA IKP System
SEPA IDD Core System
SEPA IDD B2B System
Slovakia
SIPS
Finland
PMJ
EU NON-EA
Denmark
The Sumclearing Euro
Poland
EuroELIXIR
Bulgaria
BISERA7-EUR
EUROPEAN UNION
STEP2 XCT Service
STEP2 ICT Service
STEP2 SCT Service
STEP2 SDD CORE Service
STEP2 SDD B2B Service
163.60
122.34
198.72
171.55
1,669.71
5,119.77
3,047.84
29.22
2.70
1.36
4.96
.
.
16.39
7.37
2,004.96
98.47
.
346.59
45.43
.
.
164.59
233.35
3.64
15.94
0.03
204.20
1,231.03
948.54
0.07
1.22
158.12
81.09
193.16
89.40
1,575.06
5,405.64
2,792.01
25.36
3.17
1.49
4.71
.
.
23.68
7.88
2,209.20
104.34
112.20
323.73
51.99
0.07
0.01
178.38
4.21
163.28
98.95
186.32
138.43
1,624.26
5,373.14
3,098.21
27.50
3.04
1.59
5.72
.
.
19.89
7.64
2,049.86
104.50
.
343.83
46.74
0.00
0.00
176.71
93.35
4.01
19.78
0.08
156.32
1,239.11
1,579.69
3.08
5.80
0.44
24.09
0.24
1,044.00
.
2,445.60
11.13
11.10
13.09
69.40
186.03
62.99
1,462.13
5,373.57
1,477.96
9.67
.
-
.
0.58
.
48.24
8.68
1,688.73
717.33
.
385.59
56.59
1.12
0.03
185.88
.
155.87
73.98
185.33
73.76
1,490.41
5,376.66
2,556.04
18.41
.
0.84
0.41
0.23
-
26.01
7.81
2,093.72
38.35
449.47
360.17
54.89
1.11
0.02
178.32
3.89
33.41
-
0.30
919.57
.
3,661.73
73.30
94.23
40.49
.
0.29
67.56
.
9,325.44
1,099.51
580.21
2010
Average value per transaction
(EUR thousands)
2011 2012 2013
0.41
1.47
1.90
0.08
1.43
1.30
.
.
0.57
1.42
1.04
2.25
1.85
67.20
1.01
0.51
14.01
.
0.17
0.72
-
-
1.09
1.04
26.73
9.75
8.44
4.77
4.02
3.60
0.62
6.04
5.67
11.87
11.35
3.37
.
3.81
0.17
6.74
0.40
1.24
1.97
0.08
1.39
1.02
.
.
0.69
1.48
1.02
2.08
1.46
59.44
0.96
0.80
13.80
1.13
0.16
0.45
0.06
3.83
1.04
0.20
0.40
1.49
1.87
0.08
1.41
1.25
.
.
0.49
1.34
1.05
2.52
2.54
72.17
1.05
0.45
14.88
.
0.18
0.81
.
.
1.06
0.89
26.01
8.91
9.31
4.39
4.08
5.37
0.41
5.56
10.06
-
11.64
3.31
.
3.38
0.17
18.10
2014
1.44
2.17
1.09
101.93
0.88
0.39
0.78
1.87
.
-
.
0.10
.
1.35
1.68
0.86
1.18
.
0.19
0.46
0.04
3.36
0.97
.
0.39
1.11
1.73
.
1.40
0.99
0.12
-
0.75
1.50
1.01
2.09
1.35
65.33
0.92
0.81
9.11
1.12
0.19
0.45
0.04
2.59
0.99
0.22
9.61
.
9.94
2.88
.
2.46
0.22
7.36
90
ECB
Payment Statistics
October 2015
16.3 Payments processed by selected payment systems: Value of transactions (cont'd)
(total for the period)
Value of transactions
(EUR billions)
2011 2012 2013 2014 2010
B. PROCESSING OTHER CURRENCIES
I. LVPS
EURO AREA
Estonia
Latvia
SAMS
EU NON-EA
Bulgaria
RINGS
Czech Republic
CERTIS
Denmark
Croatia
Croatian Large Value Payment System
Lithuania
LITAS-RLS
Hungary
VIBER
Poland
SORBNET
Romania
REGIS
Sweden
RIX
United Kingdom
2010
Average value per transaction
(EUR thousands)
2011 2012 2013 2014
79.14
234.63
-
195.14
-
159.47
-
179.08
-
1,465.63
1,215.70
-
903.44
693.36
-
762.04
302.69
348.74
445.23
407.54
324.09
5,255.56
5,486.41
5,591.09
7,187.78
8,081.45
304.51
11.21
330.25
11.19
427.70
10.97
396.44
13.60
316.50
14.71
8,070.55
7,195.78
7,848.69
9,625.29
13,476.89
10,481.23
8,743.35
8,848.58
9,344.94
12,152.29
.
.
.
407.33
286.40
.
.
.
1,344.31
903.48
83.08
94.63
77.00
70.10
87.05
267.99
240.80
172.64
132.52
145.32
-
-
3,788.38
4,462.62
4,298.85
4,337.94
4,284.49
3,450.25
3,451.37
2,768.09
3,067.85
3,073.52
13,398.37
15,434.93
16,192.85
16,657.57
16,282.20
6,163.00
5,891.19
5,461.33
5,410.06
5,232.07
1,407.41
1,501.51
1,706.17
1,528.55
1,513.45
537.59
508.64
537.71
459.99
431.18
14,403.50
12,554.26
14,298.38
12,944.06
12,918.25
4,866.05
3,628.40
3,949.83
3,397.39
3,181.83
66,120.15
73,600.55
88,444.27
82,588.75
84,304.40
2,056.68
2,163.20
2,606.21
2,361.30
2,308.38
II. RETAIL SYSTEMS
EU NON-EA
Bulgaria
BISERA
BORICA
SEP
Denmark
The Sumclearing DKK
Croatia
National Clearing System
Lithuania
LITAS-MMS
Hungary
ICS
Poland
ELIXIR
BlueCash
Romania
SENT
Sweden
Bankgirot
Dataclearing
United Kingdom
Cheque and Credit Clearings
BACS
Faster Payments Service
44.11
3.62
0.00
48.34
6.04
0.00
52.73
3.95
0.00
56.07
4.30
0.00
60.96
4.68
-
742.19
.
59.92
.
209.27
835.72
.
.
767.22
56.33
212.45
876.81
.
.
.
.
711.89
54.69
225.00
899.92
0.02
.
.
.
677.57
127.18
95.17
54.22
253.43
916.71
0.43
0.17
54.02
789.74
254.06
57.73
908.54
286.83
57.10
58.72
61.90
995.74
1,045.36
1,032.48
309.51
314.39
322.91
954.71
838.19
796.67
678.36
666.50
4,732.04
5,027.41
5,071.37
4,967.46
5,483.73
.
.
762.03
908.28
1,121.17
351.18
567.12
94.03
54.63
269.47
961.66
1.02
0.29
0.94
0.05
0.13
0.39
.
1.75
.
0.88
0.62
0.85
.
0.97
1.23
2.29
1.19
0.90
0.94
0.90
0.06
0.02
0.44
.
1.86
.
0.89
0.63
.
.
1.01
1.15
2.29
1.10
0.88
.
0.85
0.05
0.02
0.46
.
2.12
.
0.88
0.63
.
.
0.96
1.05
2.31
1.10
0.83
.
1.05
0.05
-
0.35
2.43
0.65
1.73
0.96
0.60
1.30
0.17
0.95
1.23
2.25
1.16
0.87
0.94
1.01
0.05
-
0.19
2.55
0.61
1.66
0.98
0.60
1.09
0.18
0.91
1.14
2.23
1.29
0.94
1.02
ECB
Payment Statistics
October 2015
91
16.3 Payments processed by selected payment systems: Value of transactions (cont'd)
(total for the period)
A. PROCESSING THE EURO
I. LVPS
1. TARGET2
TARGET2 as a whole
EURO AREA
RECOUR & TARGET2-BE
TARGET2-DE
TARGET2-EE
TARGET2-IE
HERMES & TARGET2-GR
SLBE & TARGET2-ES
TBF & TARGET2-FR
TARGET2-IT
TARGET2-CY
TARGET2-LV
LIPS-Gross & TARGET2-LU
TARGET2-MT
TARGET2-NL
HOAM.AT & TARGET2-AT
TARGET2-PT
TARGET2-SI
TARGET2-SK
BoF-RTGS & TARGET2-FI
EPM & TARGET2-ECB EU
EU NON-EA
TARGET2-BG
KRONOS & TARGET2-DK
LITAS-PHA & TARGET2-LT
TARGET2-PL
TARGET2-RO
2. NON-TARGET
EURO AREA
Estonia
ESTA
Cyprus
Large-value Credit Transfer System
Finland
POPS
3. EUROPEAN UNION
EURO1/STEP1
II. MULTI-CURRENCY SYSTEMS
CLS
6.33
-4.37
260.97
-31.47
-18.15
4.43
5.91
-3.89
-11.07
9.63
33.88
40.68
-0.25
60.81
6.20
-1.90
-1.95
30.58
-4.15
54.87
-14.21
22.46
50.00
-
Increase/decrease in the real value of transactions
(percentages per annum; HICP-adjusted)
2012 2013 2014 2011
0.38
6.80
-21.94
-10.65
2010 2011
6,658.06
6,678.52
Value of transactions as a percentage of GDP
2012
7,260.10
2013
5,656.61
2014
4,947.90
-17.29
6.81
11.04
-15.48
-15.51
-9.14
6.14
-3.66
64.50
-19.65
-4.56
76.48
29.26
41.05
-35.80
16.42
16.19
86.11
-7.04
6.51
-14.58
8.34
-6.54
120.83
-14.54
-19.60
-25.68
-1.40
72.46
-26.55
-21.23
13.94
-29.41
-28.74
-26.86
-51.02
-35.54
-27.87
-25.37
-15.49
-25.64
-58.47
-16.22
8.08
18.28
-45.14
6.59
-10.76
0.82
5,532.65
-24.66
10,022.90
-9.49
568.27
-3.12
-21.43
-3.28
-0.99
4,599.25
3,174.24
8,170.02
4,707.18
5,846.16
4,830.06
9,356.42
10,006.21
1,885.53
2,008.62
3,053.86
2,890.24
8,818.40
4,967.79
2,611.03
2,620.74
8,470.20
5,282.55
4,119.52
7,952.61
1,442.46
2,517.68
4,723.89
6,310.57
4,137.13
4,055.47
5,801.28
1,244.24
2,309.01
3,685.42
5,976.94
4,069.38
10.65
42.42
159.21
2,066.19
2,334.80
1,125.30
2,016.74
2,115.54
1,130.64
2,022.91
3,544.32
845.79
2,331.53
2,646.56
578.62
2,566.54
3,863.89
1,447.51
-0.59
19,990.75
25,905.09
24,562.06
17,155.20
15,830.63
-13.07
1,158.42
1,583.28
2,746.65
1,299.64
1,075.98
-14.76
12,265.58
12,319.49
16,403.63
10,628.70
8,891.71
35.97
2.63
12.60
7.08
-1.98
33.00
-1.49
-15.63
4.34
28.08
-10.47
2,320.32
2,863.94
1,637.26
1,015.19
4,842.68
100.20
480.23
1,568.59
346.93
55.87
-
3,683.16
3,215.04
1,611.30
5,204.74
2,204.27
1,982.72
997.17
1,164.09
6,166.19
11,698.10
95.97
90.80
699.08
1,352.65
394.11
83.61
37.56
751.66
1,155.57
412.17
77.99
86.58
3,759.50
1,629.68
1,694.50
852.30
4,879.95
75.94
801.26
1,360.95
216.56
81.49
72.46
5,052.40
1,637.55
1,835.38
891.80
4,752.72
98.88
758.68
1,127.74
216.53
99.44
63.02
16.11
90.25
12.98
0.16
11.29
9.77
7.96
-1.87
1.41
4.92
41.70
-13.24
-11.51
-3.83
-0.35
-0.27
4.43
0.68
3.94
-17.94
-
-16.64
1.27
-2.75
13.25
-2.78
-9.80
-91.26
5.25
-
-15.12
174.77
25.80
173.74
655.93
186.54
50.00
191.42
656.50
187.75
72.16
169.31
591.28
188.58
139.57
-
491.96
15.72
145.95
.
408.80
16.34
5.03
3.00
3.76
-3.64
8,239.56
1,705.96
609.14
74.24
129.44
9,163.36
1,871.27
657.16
72.79
131.16
8,969.82
1,897.99
667.09
77.37
134.42
9,067.06
10,327.08
1,842.49
754.10
1,894.54
760.44
75.08
121.03
76.27
114.17
III. RETAIL SYSTEMS
EURO AREA
Belgium
CEC
Germany
RPS
1.46
2.56
0.44
2.01
-0.88
7.86
-4.12
26.79
231.97
89.14
233.88
89.24
234.66
91.15
232.14
97.19
217.32
119.32
92
ECB
Payment Statistics
October 2015
16.3 Payments processed by selected payment systems: Value of transactions (cont'd)
(total for the period)
Increase/decrease in the real value of transactions
(percentages per annum; HICP-adjusted)
2011 2012 2013 2014
Value of transactions as a percentage of GDP
2010 2011 2012 2013 2014
A. PROCESSING THE EURO (cont.)
III. RETAIL SYSTEMS (cont.)
EURO AREA (cont.)
Ireland
IRECC
IPCC
Greece
DIAS
ACO
Spain
SNCE
France
CORE
Italy
Cyprus
Cyprus Clearing House
JCC Payment Cards System
JCC Transfer System
Government Payments System
FBMECS Payment Cards System
JCC Sepa Direct Debits System
Latvia
EKS
Malta
Malta Clearing House
Netherlands
Equens
Austria
STEP.AT
CS
Portugal
SICOI
Slovenia
SEPA IKP System
SEPA IDD Core System
SEPA IDD B2B System
Slovakia
SIPS
Finland
PMJ
EU NON-EA
Denmark
The Sumclearing Euro
Poland
EuroELIXIR
Bulgaria
BISERA7-EUR
EUROPEAN UNION
STEP2 XCT Service
STEP2 ICT Service
STEP2 SCT Service
STEP2 SDD CORE Service
STEP2 SDD B2B Service
2.21
-1.93
-9.64
8.21
12.11
10.57
-
-
16.43
2.07
-1.60
-20.25
-8.23
-21.02
-4.96
-4.76
-19.40
3.34
-35.63
-5.85
-0.27
2.64
-
4.26
-2.99
-
-4.15
-7.77
0.75
7.90
-
- 1,312,979.18
-
2.66
-61.01
-2.35
-95.64
7.56
22.45
196.08
-89.32
20.99
174.75
-0.91
-12.15
-9.12
2.84
-7.43
-18.79
-
-
15.69
0.39
-25.50
-2.04
62.08
4,346.94
361.03
-
-17.58
51.45
253.62
87.30
-1.78
-9.10
-2.28
-15.97
-5.66
-1.36
-9.06
-26.47
.
-42.96
-91.21
-
-
10.94
-1.82
-6.54
-63.97
292.82
11.06
4.64
1,525.66
56.46
-0.42
-9.32
38.33
-
28.06
21.60
-
-2.86
-12.66
-
48.47
553.07
742.00
-
-92.64
155.08
1,402.47
516.74
-91.58
-5.93
2.98
-12.38
-0.77
-0.14
-42.13
-46.97
.
-
-
-
-
85.01
10.71
-19.29
58.32
-
7.34
3.17
0.61
48.60
4.38
-
1.51
4.43
0.07
2.15
12.98
10.00
0.00
0.01
98.46
73.63
87.85
75.84
154.47
256.18
189.81
153.31
14.15
7.15
26.04
.
.
92.20
111.71
317.49
33.42
.
192.63
125.32
.
.
244.90
124.72
1.63
5.25
0.21
1.60
12.71
16.20
0.03
0.06
93.87
56.89
89.68
66.63
151.74
260.92
189.05
141.14
15.61
8.16
29.34
.
.
98.73
110.78
318.83
33.86
.
195.17
126.67
0.00
0.00
251.87
47.42
0.17
6.24
0.57
10.66
.
24.97
0.11
0.11
90.44
46.38
99.46
46.03
151.03
259.02
172.92
130.64
16.34
7.70
24.27
.
.
107.71
109.32
342.42
32.91
35.39
192.24
144.46
0.19
0.03
247.12
2.11
8.43
-
0.72
9.29
.
37.01
0.74
0.95
86.86
41.23
101.59
40.43
144.52
254.03
159.07
101.63
.
4.64
2.26
1.25
-
114.03
103.68
321.69
11.88
139.21
211.53
152.87
3.09
0.05
242.31
1.92
9.80
.
0.67
0.67
.
92.42
10.90
5.75
6.92
36.71
103.88
35.17
140.43
251.99
91.58
55.24
.
-
.
3.33
.
203.61
109.32
254.80
217.84
.
222.31
151.71
2.99
0.07
247.13
.
ECB
Payment Statistics
October 2015
93
16.3 Payments processed by selected payment systems: Value of transactions (cont'd)
(total for the period)
Increase/decrease in the real value of transactions
(percentages per annum; HICP-adjusted)
2012 2013 2014 2011
Value of transactions as a percentage of GDP
2010 2011 2012 2013 2014
B. PROCESSING OTHER CURRENCIES
I. LVPS
EURO AREA
Estonia
Latvia
SAMS
EU NON-EA
Bulgaria
RINGS
Czech Republic
CERTIS
Denmark
Croatia
Croatian Large Value Payment System
Lithuania
LITAS-RLS
Hungary
VIBER
Poland
SORBNET
Romania
REGIS
Sweden
RIX
United Kingdom
14.76
13.68
4.06
-17.84
8.08
-
-20.21
12.91
-1.24
-12.91
-
10.09
-
-20.59
-5.07
4.24
14.32
8.66
9.35
24.23
1.80
6.91
-
-20.95
13.43
-
2.95
2.61
-12.38
-10.34
-4.15
-7.68
30.85
22.35
-
-9.36
-
537.72
1,320.20
-
968.73
-
725.44
785.26
-
3.58
-1.94
-1.45
4.66
-3.63
-18.88
19.07
39.84
-29.10
24.30
802.38
3,360.98
3,341.61
.
296.41
3,857.88
3,723.67
1,110.41
3,902.58
3,646.34
851.52
3,353.89
2,924.22
.
302.70
4,431.40
4,093.84
1,126.36
3,100.23
3,944.26
1,067.88
3,479.07
3,129.63
.
230.98
4,343.47
4,193.48
1,277.92
3,377.51
4,306.76
972.37
4,580.17
3,805.38
936.66
200.51
4,283.40
4,205.27
1,059.63
2,970.51
4,042.73
758.09
5,222.64
5,228.60
665.74
238.85
4,110.25
3,941.14
1,008.84
2,999.82
3,741.36
-
-
II. RETAIL SYSTEMS
EU NON-EA
Bulgaria
BISERA
BORICA
SEP
Denmark
The Sumclearing DKK
Croatia
National Clearing System
Lithuania
LITAS-MMS
Hungary
ICS
Poland
ELIXIR
BlueCash
Romania
SENT
Sweden
Bankgirot
Dataclearing
United Kingdom
Cheque and Credit Clearings
BACS
Faster Payments Service
7.38
63.68
-28.80
0.98
-
-
-9.14
-1.09
3.53
-
-
4.23
8.44
6.42
-14.76
3.16
-
7.26
9.56
-96.93
-5.05
-
-1.30
-
14.92
1.61
2,182.69
-
0.58
3.98
0.60
-12.60
0.54
22.35
6.15
-36.34
175.19
-9.05
-
-
-5.68
4.36
1.98
-
-
-0.49
4.56
2.95
-13.51
-8.21
-
10.89
11.23
-
-48.24
345.36
-0.37
0.88
11.51
5.24
139.16
76.11
4.91
3.58
7.71
-7.25
4.22
16.53
118.02
14.76
0.00
311.78
.
180.18
.
210.96
232.56
.
.
43.30
224.36
70.83
44.92
269.42
.
116.93
9.59
0.00
307.30
.
213.78
.
213.11
232.26
.
.
42.62
213.98
68.84
52.65
260.96
.
133.78
10.25
0.00
267.88
50.28
218.85
155.07
250.25
231.43
0.11
0.04
40.71
239.90
72.15
33.21
243.16
44.46
126.47
9.48
0.00
283.86
.
164.06
.
227.33
233.05
0.00
.
42.77
235.21
73.11
38.79
246.95
37.11
142.59
10.96
-
136.25
220.02
218.58
149.91
258.51
232.77
0.25
0.07
41.26
239.76
74.98
29.58
243.36
49.76
94
ECB
Payment Statistics
October 2015
NOTES: COMPARATIVE TABLES
Source:
Country tables .
Totals
: The totals for the euro area and European Union are based on the euro area / EU composition at the time to which the statistics relate. In some cases area totals are not derived, as the available components would not be representative of the group as a whole.
Due to the enhanced methodology applied as of reference year 2014, data up to reference year 2013 are not always fully comparable with the data for reference year 2014.
Tables 6 and 8
Total number/value of transactions
Includes credit transfers, direct debits, card payments with cards issued by resident
PSPs (except cards with an e-money function only), e-money payment transactions, cheques and other payment services.
Tables 7.1 to 7.5, 8 and 9.1 to 9.7
Number and value of transactions per type of payment service
For Germany, the statistical results for the reporting year 2007 were based on a new reporting system encompassing methodological changes, and this may trigger a break in the series when comparing the 2007 national figures with those from previous years, affecting also euro area and EU aggregates. In addition, in 2005 a break in the credit transfer series occurred in France, also affecting euro area and
EU aggregates.
Table 16.1
TARGET2 as a whole –
Concentration ratio in terms of volume
The series excludes traffic in SLBE (ES) for 2003. Data are available until 2007.
EURO1/STEP1 The data for EURO1/STEP1 refers to both the EURO1, which is an LVPS, and
STEP1, which is an application developed for handling retail and commercial payments based on the same platform as EURO1.
Tables 16.2 and 16.3
1. TARGET2: number/value of transactions
Includes only credit transfers up to reference year 2013. As of reference year 2014, includes credit transfers and direct debits.
Table 16.3
Value of transactions processed by CLS
Presented in EUR trillions.
Dados de PORTUGAL e quadros comparativos
Fonte: http://sdw.ecb.europa.eu/home.do
The definitions are arranged alphabetically by term. The list contains all entries in the comparative, euro area and country tables, as well as general definitions which are applicable to most or all of the tables.
The definitions present the following information:
General definition and detailed description of the item, including scope, further breakdowns and cross-references to other definitions.
Calculation : indicated if the item is calculated on the basis of other items.
Measurement : states whether a number or a value is collected.
Reference period : states the point in time or the period for which data are provided.
Currency : indicates the currency in which the item is originally denominated or in which the transaction takes place (“transaction currency”) and the currency in which it is reported for the purposes of payments statistics (“reporting currency”).
Exchange rate for the recalculation of data in the comparative tables: indicated only if it departs from the rule that data in national currency are recalculated in euro using:
1) for flow data accumulating throughout the year (e.g. all transaction data), the daily ECB reference exchange rate applicable to each transaction, or, if this is impossible, the average ECB reference exchange rate for the period for all transactions;
2) for stock data showing an end-of-year status (e.g. value of overnight deposits), the endof-year ECB reference exchange rate.
Counterparty area : the country of the receiver or acquirer.
Counterparty sector : the institutional receiving or acquiring sector (e.g. MFIs and sub-sectors or systems).
The definitions are consistent with the following legal acts to the extent possible:
Regulation ECB/2013/43 of the European Central Bank of 28 November 2013 on payments statistics;
Guideline ECB/2014/15 of the European Central Bank of 4 April 2014 on monetary and financial statistics (as amended);
Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market;
Directive 2009/110/EC of the European Parliament and of the Council of 16 September 2009 on the taking up, pursuit and prudential supervision of the business of electronic money institutions.
2.1 CARDS ISSUED BY RESIDENT PAYMENT SERVICE PROVIDERS
General remarks:
1. If a card offers several functions, it is counted in each applicable sub-category. Thus the total number of cards may be smaller than the sum of the sub-categories, and sub-categories should not be added up in order to avoid double-counting. The total number of cards is stated separately in “Total number of cards (irrespective of the number of functions on the card)”.
2. Cards are counted on the card-issuing side regardless of the cardholder’s residency or the location of the account to which the card is linked.
3. Unless otherwise specified in the country notes, as of the reference year 2014 each country must report the number of cards that have been issued by PSPs resident in that country , including both cards issued in the country and cards issued abroad. Up to reference year 2013, the data comprise cards issued in the reporting country , irrespective of whether the issuer is resident in the reporting country or not. Thus, data for the reference periods prior to 2014 are not fully comparable with data for the reference period 2014.
4. Co-branded cards are included.
5. All valid cards in circulation are included, irrespective of when they were issued or how actively they are used. A card is included from the moment it is posted to the cardholder by the card issuer, irrespective of whether the cardholder has activated it. Cards which are posted to the cardholder for the purpose of a regular re-issue on account of the card’s limited period of validity are not counted – i.e. the card is only counted the first time it is issued.
6. Expired or withdrawn cards are not included.
7. Cards that are inactive because of a temporary stop which is effective at the time of reporting are included.
8. Cards issued by three-party or four-party card schemes (e.g. American Express or Diners) are included.
9. Cards issued by merchants (retailer cards) are not included, unless they have been issued in cooperation with a PSP (co-branding).
10. Cards linked to savings accounts as well as cards linked to prepaid accounts are included according to the function(s) offered by the card.
2.2 TERMINALS PROVIDED BY RESIDENT PAYMENT SERVICE PROVIDERS
General remarks:
1. All terminals provided by resident PSPs are reported, whether located in or outside the reporting country.
2. Unless otherwise specified in the country notes, as of the reference year 2014 each country must report the number of terminals provided by PSPs resident in that country , covering both terminals
located in the country and terminals located abroad. Up to the reference year 2013, the data cover terminals located in the reporting country irrespective of whether or not the provider is resident in the country. Thus, data for the reference periods prior to 2014 are not fully comparable with data for the reference period 2014.
3. The entity which provides terminals is the acquirer, regardless of the ownership of the terminals. Only terminals provided by the acquirer are counted.
4. Terminals provided by branches and/or subsidiaries of PSPs resident outside the reporting country are not reported by the parent PSP but by the branches and/or subsidiaries themselves.
5. Every terminal is counted individually, even where several terminals of the same type are provided at one merchant location.
6. If a terminal offers several functions, it is counted in each applicable sub-category. Thus the total number of terminals may be smaller than the sum of the sub-categories, and sub-categories should not be added up in order to avoid double-counting.
2.3 TRANSACTIONS PER TYPE OF PAYMENT SERVICE
General remarks:
1. Payment transactions can be initiated by non-MFIs, with any counterparty, or by PSPs, if the counterparty is a non-MFI. They include: a) all payment transactions which take place between two accounts held at different PSPs and are executed with the use of an intermediary, i.e. where payments are sent to another PSP or to a payment system; b) all payment transactions which take place between two accounts held at the same PSP, e.g. onus transactions, with the transaction being settled either on the accounts of the PSP itself or with the use of an intermediary (another PSP or a payment system).
2. Payment transactions initiated by a resident PSP and executed without a specific transaction order, i.e. without the use of a payment service, by simple book entry in the account of a customer, are not included but instead shown in two separate memorandum items, “Credits to the accounts by simple book entry” and “Debits from the accounts by simple book entry”. If they cannot be distinguished, such transactions are included under “Transactions per type of payment service”.
3. Funds transfers between accounts in the same name (and also between different types of account, such as savings and current accounts) are included according to the payment service used.
4. Transactions denominated in foreign currency and initiated in the reporting country are included. Data are converted into euro using the ECB reference exchange rate or the exchange rate applied for the transaction.
5. The scope of payment transactions with cards reported under “Transactions per type of payment service” is broader than that of transactions reported in the section “Transactions per type of terminal”. “Transactions per type of payment service” includes card transactions at virtual points of sale, e.g. over the internet or the telephone, which are not reported under “Transactions per type of terminal”.
6. The direction of the flow of funds depends on the payment service and the initiation channel used: a) in the case of credit transfers as well as e-money (electronic money) payments and similar transactions where the payer initiates the transaction, the sending participant is also the sender of funds, and the receiving participant the recipient of funds; b) in the case of direct debits, cheques, and e-money payments and similar transactions where the payee initiates the transaction, the sending participant is the recipient of funds and the receiving participant the sender of funds; c) in the case of card payments, although the payee initiates the transaction, the treatment followed within corresponds to that where the payer initiates the transaction.
7. The indicator “Total payment transactions involving non-MFIs” is the sum of the six mutually exclusive sub-categories: “Credit transfers”, “Direct debits”, “Card payments with cards issued by resident PSPs
(except cards with an e-money function only)”, “E-money payment transactions”, “Cheques” and
“Other payment services”. As data are only collected on card payments with cards issued by resident
PSPs, the indicator “Total cross-border transactions received” does not include received card payments.
2.4 TRANSACTIONS PER TYPE OF TERMINAL
General remarks:
1. All indicators refer to cash or cashless transactions performed at a physical (not virtual) terminal.
2. The scope of payment transactions with cards reported in this section is narrower than that of transactions reported in the section “Transactions per type of payment service”. The latter section includes card transactions at virtual points of sale, e.g. over the internet or the telephone, while this section does not. Unless otherwise specified in the country notes, as of the reference year 2014 transactions per type of terminal are broken down into three different categories according to the residency of the terminal provider and card issuer : a) transactions at terminals provided by resident PSPs with cards issued by resident PSPs; b) transactions at terminals provided by resident PSPs with cards issued by non-resident PSPs; c) transactions at terminals provided by non-resident PSPs with cards issued by resident PSPs.
8. Up to the reference year 2013, the categories differentiate between transactions on the basis of the location of the terminal and the country where the card was issued . Thus, data for the reference periods prior to 2014 are not fully comparable with data for the reference period 2014.
3. These different categories allow the calculation of all transactions at terminals provided by resident
PSPs, irrespective of where the card used was issued, and also of all transactions with cards issued by non-resident PSPs. This provides for easy comparison with data in Country table 6, both on cards
(where only cards issued by resident PSPs are counted, i.e. categories a and c) and on terminals
(where only terminals provided by resident PSPs are counted; i.e. levels a and b). The geographical breakdown is based on the location of the terminal.
2.5 PAYMENTS PROCESSED BY SELECTED PAYMENT SYSTEMS
General remarks:
1. Transactions submitted to and processed through a payment system. Each payment is counted once on the sending participant’s side (not twice – i.e. the debiting of the payer’s account and the crediting of the payee’s account are not counted separately). For multiple credit transfers (bulk payments), each item of the payment is counted. In the case of netting systems, the gross number and value of transactions are presented, not the result after netting.
2. Excludes cancelled payments. Transactions that are later rejected are included.
3. Includes only those payments that are made within the payment system. In the case of a payment system in which another payment system (ancillary system) settles its positions, the system of settlement reports the actual number of settlement operations and the actual amount settled. This means that in cases where transactions are cleared outside the payment system and only net positions are settled via the payment system, only transactions for the settlement of net positions are counted, and these are allocated to the payment service used for the settlement transaction.
4. All payment transactions are divided into those made via TARGET components and those made by non-TARGET payment systems. For all payment transactions, cross-border transactions are counted in the country in which the transaction originated, in order to avoid double-counting.
4. A direct participant can be either the sender or recipient of a payment order. A sending participant is one which instructs the system to carry out a certain transaction using a certain payment service. A receiving participant is one which receives the payment service (but not always the funds).
5. The direction of the flow of funds depends on the payment service used. In the case of credit transfers as well as e-money payments and similar transactions where the payer initiates the transaction, the sending participant is also the sender of funds, and the receiving participant the recipient of funds. In the case of direct debits, cheques, and e-money payments and similar transactions where the payee initiates the transaction, the sending participant is the recipient of funds and the receiving participant the sender of funds. In the case of card payments, although the payee initiates the transaction, the treatment followed corresponds to that where the payer initiates the transaction.
REPORTING
Term Detailed reporting requirements
Acquirer
Acquiring
The term is applicable in the following cases.
(a) The entity that holds deposit accounts for card acceptors, i.e. merchants, and to which the card acceptor transmits the data relating to the transactions. The acquirer is responsible for the collection of transaction information and settlement with the acceptors.
(b) In POS transactions, the entity to which the acceptor, usually a merchant, transmits the information necessary in order to process the card payment. The acquirer is the entity that manages the account of the merchant.
(c) In ATM transactions, the entity which makes banknotes available to the cardholder, whether directly or via the use of third-party providers.
(d) The entity which provides terminals, regardless of the ownership of the terminals.
Means services enabling a payee to accept a payment instrument or a payment transaction, by providing authentication, authorisation, and settling services resulting in a transfer of funds to the payee.
Agent A natural or legal person which acts on behalf of a payment institution in providing payment services.
ATM
(automated teller machine)
Electromechanical device that allows authorised users, typically using machine-readable physical cards, to withdraw cash from their accounts and/or access other services, allowing them, for example, to make balance enquiries, transfer funds or deposit money.
A device allowing only balance enquiries does not qualify as an ATM. The ATM may be operated online, with a real-time request for authorisation, or offline.
The following breakdown of ATMs is provided:
ATMs with a cash withdrawal function;
ATMs with a credit transfer function.
If an ATM performs both functions, it is counted in both sub-categories. Thus the total number of
ATMs may be smaller than the sum of the sub-categories, and sub-categories should not be added up in order to avoid double-counting.
Measurement: number of terminals.
Reference period: status at the end of the year.
See also the notes in Section 2.2 above.
ATM cash deposit (except e-money transactions)
Cash deposit performed at an ATM using a card with a cash function. Includes all transactions in which cash is deposited at a terminal, without manual intervention, and the payer is identified with a payment card.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 2.4 above and the entry for “Cash withdrawal/cash deposit”.
ATM cash withdrawal
(except emoney transactions)
Cash withdrawal performed at an ATM using a card with a cash function. Cash advances at POS terminals using a card with a debit, credit or delayed debit function are only included if they are unconnected to a payment transaction. Cash withdrawals together with a payment transaction are not included (instead, they are “”POS transactions).
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 2.4 above and the entry for “Cash withdrawal/cash deposit”.
ATM with a cash withdrawal function
ATM allowing authorised users to withdraw cash from their accounts by using a card with a cash function.
Measurement: number of terminals.
Reference period: status at the end of the year.
See also the notes in Section 2.2 above.
Term Detailed reporting requirements
ATM with a credit transfer function
ATM allowing authorised users to make credit transfers using a payment card.
Measurement: number of terminals.
Reference period: status at the end of the year.
See also the notes in Section 2.2 above.
Branch
Branch of a euro areabased credit institution
A place of business other than the head office located in the reporting country and established by a PSP legally incorporated in another country. It has no legal personality and carries out some or all of the transactions inherent in the business of a PSP.
All of the places of business set up in the reporting country by the same institution legally incorporated in another country constitute a single branch. Each of these places of business is counted as an individual office (see also “Office” and “Number of offices”).
A branch (located in the reporting country) of a credit institution legally incorporated outside the reporting country but within the euro area.
See also “Branch”.
Branch of an
EEA-based credit institution
(outside the euro area)
A branch (located in the reporting country) of a credit institution legally incorporated in an EEA country which is not the reporting country and is outside the euro area.
See also “Branch”.
Branch of a non-EEAbased bank
Brand
A branch (located in the reporting country) of a non-EEA-based bank.
See also “Branch”.
A particular payment product, especially a card, which has been licensed by its owner for use in a given territory.
Card
Card issuer
A device that can be used by its holder either to conduct transactions or to withdraw money.
Cards offer the cardholder, in accordance with the agreement with the card issuer, one or more of the following functions: cash, debit, delayed debit, credit and e-money.
Cards linked to an e-money account are included in the category “cards with an e-money function” as well as in other categories according to the functions offered by the card.
Cards are counted on the sending participant’s side (i.e. the card-issuing side).
See also the notes in Section 2.1 above.
A financial institution that makes payment cards available to cardholders, authorises transactions at POS terminals or ATMs and guarantees payment to the acquirer for transactions that are in conformity with the rules of the relevant scheme. In the case of three-party schemes, the card issuer is the card scheme itself.
In the case of four-party schemes, the issuer is a credit institution (or, more rarely, another undertaking) which is a member of a card scheme and has a contractual relationship with a cardholder that results in the provision and use of a card of that card scheme.
Cards on which e-money can be stored directly
Cards on which e-money is held in the e-money holder’s possession. See also “electronic money”.
Measurement: number of cards.
Reference period: status at the end of the year.
Card payment initiated at a physical
EFTPOS
Electronically initiated card payment transaction at a physical POS allowing electronic fund transfers. This item typically includes payments with cards through an EFTPOS terminal at a merchant’s location. It does not include e-money payment transactions.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
Term Detailed reporting requirements
Card payments with cards issued by resident PSPs
(except cards with an emoney function only)
Payment transactions performed using cards with a debit, credit or delayed debit function at a terminal or via other channels.
The following breakdown of card payments is provided:
payments with cards with a debit function; payments with cards with a delayed debit function; payments with cards with a credit function;
payments with cards with a debit and/or delayed debit function;
payments with cards with a credit and/or delayed debit function.
Each transaction is allocated to only one sub-category, i.e. the sub-categories are mutually exclusive. Thus the total number/value of card payments is the sum of the sub-categories.
The sub-categories “Payments with cards with a debit and/or delayed debit function” and
“Payments with cards with a credit and/or delayed debit function” are only reported if the data cannot be broken down into the first three categories.
E-money payment transactions are not included.
For Country tables 7a and 8a/Comparative tables 7 and 9:
Payment transactions with cards issued by resident PSPs are reported, regardless of the country of the brand under which the payment transaction has been made.
Transactions reported by payment service include data on card transactions at virtual POSs, e.g. over the internet or the telephone.
Card payments with cards issued by resident PSPs which only have an e-money function are not included.
Credit transfers at ATMs are not included but are shown under “Credit transfers”. Cash advances at POS terminals are excluded. Payments by telephone and over the internet using a card are included. Payments with cards issued by merchants, i.e. retailer cards, are excluded, except where the retailer card was issued in cooperation with a PSP, i.e. co-branded.
For Country tables 7b and 8b/Comparative tables 14 and 15:
All indicators refer to cash or cashless payment transactions performed at a physical (not virtual) terminal.
Cash withdrawals/deposits at ATMs represent the use of the cash function on the card and are reported as “ATM cash withdrawals” and “ATM cash deposits”.
For Country tables 10 and 11/Comparative table 16:
All card payments processed in the respective payment system are included, irrespective of where the card was actually issued or used
Payments are counted on the card-issuing side. Only transactions with cards issued by resident
PSPs – both in and outside the country of issue – are reported.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 2.3 and 2.4 above.
Card payments with cards issued by resident PSPs initiated remotely
Electronically initiated card payment transactions which are not initiated at a physical POS terminal. This item typically includes payments with cards for products and services purchased by telephone or over the internet.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
Term Detailed reporting requirements
Card scheme A technical and commercial arrangement set up to serve one or more brands of card which provides the organisational, legal and operational framework necessary for the functioning of the services marketed by those brands.
A three-party card scheme is a card scheme involving the following stakeholders: a) the card scheme itself, which acts as issuer and acquirer; c) the accepting party.
A four-party card scheme is a card scheme where the stakeholders involved are: d) the card acceptor.
In the case of ATM transactions, it is usually the acquirer that offers its services via the ATM.
Cards which give access to e-money stored on e-money accounts
See “e-money accounts”.
Measurement: number of cards.
Reference period: status at the end of the year.
See also the notes in Section 2.1 above.
Card with a cash function
A card enabling the holder to withdraw cash from an ATM and/or to deposit cash to an ATM. The cash function is usually combined with a payment function.
Measurement: number of cards.
Reference period: status at the end of the year.
See also the notes in Section 2.1 above.
Card with a combined debit, cash and e-money function
A card issued by a PSP which has a combined cash, debit and e-money function. A card with a combined function is counted in each of the following sub-categories:
cards
cards with a debit function;
cards an
A card with a combined function may offer additional functions. In that case it is also counted in each additional applicable sub-category.
Measurement: number of cards.
Reference period: status at the end of the year.
See also the notes in Section 2.1 above.
Card with a credit and/or delayed debit function
A card which has a credit and/or delayed debit function. This category is only reported if the data cannot be broken down into “Cards with a credit function” and “Cards with a delayed debit function”. This will be the case where it is clear that the card in question has a credit line attached to it, but it is impossible to distinguish whether, under the contract between the card issuer and the cardholder, the latter is allowed to draw extended credit (the distinguishing feature of a “card with a credit function”, irrespective of whether the cardholder makes actual use of this feature), or whether the cardholder is contractually obliged to settle the full balance at the end of a specified period (the distinguishing feature of a “card with a delayed debit function”).
Measurement: number of cards.
Reference period: status at the end of the year .
See also the notes in Section 2.1 above.
Term Detailed reporting requirements
Card with a credit function
Card with a debit and/or delayed debit function
Card with a debit function
Card with a delayed debit function
A card enabling cardholders to make purchases and in some cases also to withdraw cash up to a pre-arranged ceiling. The credit granted can be settled in full by the end of a specified period or may be settled in part, with the balance taken as extended credit on which interest is usually charged. The holder is sometimes charged other fees, such as an annual fee.
The distinguishing feature of a card with a credit function, in contrast to a card with a debit function or a delayed debit function, is the contractual agreement granting the cardholder a credit line allowing for extended credit (irrespective of whether the cardholder actually makes use of this feature or chooses to settle the full amount of the debt incurred at the end of a specified period).
Measurement: number of cards.
Reference period: status at the end of the year.
See also the notes in Section 2.1 above.
A card which has a debit and/or delayed debit function.
This category is only reported if the data cannot be broken down into “Cards with a debit function” and “Cards with a delayed debit function”. It will be selected in cases where it is clear that the card in question is used to debit an account at a credit institution, but it is impossible to distinguish whether, under the contract between the card issuer and the cardholder, the account debited is the current account of the cardholder (the distinguishing feature of a “Card with a debit function”), or whether it is one that was set up to serve a credit line granted to the cardholder which he/she must settle at the end of a specified period (the distinguishing feature of a “Card with a delayed debit function”).
Measurement: number of cards.
Reference period: status at the end of the year.
See also the notes in Section 2.1 above.
A card enabling cardholders to have their purchases directly and immediately charged to their accounts, whether held with the card issuer or not.
A card with a debit function may be linked to an account offering overdraft facilities as an additional feature. The number of cards with a debit function refers to the total number of cards in circulation and not to the number of accounts to which the cards are linked.
The distinguishing feature of a card with a debit function, in contrast to a card with a credit function or a delayed debit function, is the contractual agreement to charge purchases directly to funds on the cardholder’s current account.
Measurement: number of cards.
Reference period: status at the end of the year.
See also the notes in Section 2.1 above.
A card enabling cardholders to have their purchases charged to an account with the card issuer, up to an authorised limit. The balance in this account is then settled in full at the end of a predefined period. The holder is usually charged an annual fee.
The distinguishing feature of a card with a delayed debit function, in contrast to a card with a credit function or a debit function, is the contractual agreement granting a credit line but with an obligation to settle the debt incurred at the end of a pre-defined period. This type of card is commonly referred to as a ”charge card”.
Measurement: number of cards.
Reference period: status at the end of the year.
See also the notes in Section 2.1 above.
Term Detailed reporting requirements
Card with a payment function
(except cards with an emoney function only)
A card which has at least one of the following functions: a debit function, delayed debit function or credit function. The card may also have other functions, such as an e-money function, but cards with only an e-money function are not counted in this category.
The following breakdown is provided:
cards with a debit function;
cards with a delayed debit function;
cards with a credit function;
cards with a debit and/or delayed debit function;
cards with a credit and/or delayed debit function.
The sub-categories “Cards with a debit and/or delayed debit function” and “Cards with a credit and/or delayed debit function” are only reported if the data cannot be broken down into the first three categories.
If a card offers several functions, it is counted in all relevant sub-categories. Thus the total number of cards with a payment function may be smaller than the sum of the sub-categories, and sub-categories should not be added up in order to avoid double-counting.
Measurement: number of cards.
Reference period: status at the end of the year.
See also the notes in Section 2.1 above.
Card with an emoney function
A card enabling e-money transactions.
Cards on which e-money can be stored directly and cards which give access to e-money stored on e-money accounts are included.
Measurement: number of cards.
Reference period: status at the end of the year.
See also the notes in Section 2.1 above.
Card with an emoney function which has been loaded at least once
A card with an e-money function which has been loaded at least once and can thus be considered activated. Loading may be interpreted as indicative of the intention to use the e- money function.
Sub-category of “Cards with an e-money function”.
Measurement: number of cards.
Reference period: status at the end of the year.
See also the notes in Section 2.1 above.
Cash advance at POS terminals
Transactions in which the cardholder receives cash at a POS terminal in combination with a payment transaction for goods or services.
If it is not possible to distinguish data on cash advances at POS terminals, these are reported as
“POS transactions”.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also “Cash withdrawal/cash deposit”.
Term Detailed reporting requirements
Cash withdrawal/ cash deposit
A cash withdrawal from or cash deposit in an account using a card or a bank form. These transactions are included as follows:
A. Transactions with a card at a terminal, without manual intervention
1. cash deposit: “ATM cash deposits”;
2. cash withdrawal without a payment transaction at the same time: “ATM cash withdrawals”;
3. cash withdrawal with a payment transaction at the same time: “Cash advances at POS terminals”;
B. Transactions at a bank counter
4. cash deposited in an account at the bank, including instances where a card is used merely to identify the payer: “OTC cash deposits”;
5. cash paid in to initiate a credit transfer: “Credit transfers (sent)”;
6. cash withdrawn from an account at the bank, including instances where a card is used merely to identify the payee: “OTC cash withdrawals”;
7. cash paid out on receipt of a credit transfer: “Credit transfers (received)”.
C. Cash deposited in a bank’s day/night deposit box
8. cash deposited for crediting to an account at the bank: “OTC cash deposit”.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 2.4 above.
Central bank A financial corporation or quasi-corporation whose principal function is to issue currency, to maintain the internal and external value of the currency and to hold all or part of the international reserves of the country (cited from Council Regulation (EC) No 2533/98 of 23 November 1998 concerning the collection of statistical information by the European Central Bank).
Cheque
Concentration ratio
A written order from one party, i.e. the drawer, to another, i.e. the drawee, which is normally a credit institution, requiring the drawee to pay a specified sum on demand to the drawer or to a third party specified by the drawer.
Cash withdrawals with cheques are included, but cash withdrawals using bank forms are not
(these are reported as “OTC cash withdrawals”.
Cheques are counted on the payee’s side when submitted for cheque clearing. Cheques issued but not submitted for clearing are not included.
For Country tables 10 and 11:
All cheques processed in the respective payment systems are included. Payments are counted on the sending participant’s side.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Sections 2.3 and 2.5 above.
Concentration ratio in terms of volume: the ratio of the number, i.e. volume, of transactions sent by the five largest participants of a payment system and the total number, i.e. volume, of transactions sent via the payment system.
Concentration ratio in terms of value: the ratio of the value of transactions sent by the five largest participants of a payment system and the total value of transactions sent via the payment system.
The five largest senders in terms of the value of payment transactions may be different from the five largest senders in terms of the number of payment transactions. Every participant with individual access to the system is counted separately, irrespective of whether there is a legal link between two or more such participants (e.g. in the case of a merger).
Measurement: percentage of total number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Term Detailed reporting requirements
Credit institution
“Credit institution” has the same meaning as defined in Article 4(1) of Regulation (EU) No
575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms.
Credit institution legally incorporated in the reporting country
A credit institution legally incorporated in the reporting country, irrespective of whether it is subject to minimum reserve requirements. Up to April 2011 this definition includes e-money institutions legally incorporated in the reporting country.
Credit transfer Payment service which allows the payer to instruct the institution holding its account to transfer funds to the beneficiary. It is a payment order or a sequence of payment orders made for the purpose of placing funds at the disposal of the beneficiary. Both the payment order and the funds described therein move from the PSP of the payer to the PSP of the payee, i.e. the beneficiary, possibly via several other credit institutions as intermediaries and/or one or more payment and settlement systems.
The following breakdown of credit transfers is provided:
credit transfers initiated in paper-based form;
credit transfers initiated electronically.
Each transaction is allocated to only one sub-category, i.e. the sub-categories are mutually exclusive. Thus the total number of credit transfers is the sum of the sub-categories.
For Country tables 7a and 8a/Comparative tables 7 and 9:
Credits to the account of a customer by simple book entry without the use of a traditional credit transfer instrument (e.g. dividend or interest payments by the account-holding bank) are not included but are instead reported as “Credits to the accounts by simple book entry”.
Credit transfers are counted on the payer’s side; where the payer initiates the transaction, the sending participant is also the sender of funds, and the receiving participant the recipient of funds. SEPA credit transfers (SCTs) are included, as well as non-SEPA transactions. Non-SEPA transactions are also reported in the sub-category “non-SEPA”. The data include credit transfers performed via ATMs with a credit transfer function. Credit transfers involving cash at one or both ends of the payment transaction – e.g. money and postal orders – are also included. Credit transfers used to settle outstanding balances of transactions using cards with a credit or delayed debit function are also included, as these are separate payments from the cardholder to the card issuer. In the case of standing orders and bulk or batch payment orders, each individual payment is counted as one transaction. Cash payments into an account using a bank form are not included under credit transfers. If data are available, they are shown in the memorandum item “OTC cash deposits”.
For Country tables 10 and 11/International systems tables 2 and 3:
All credit transfers processed in the respective payment system are included. Payments are counted on the sending participant’s side. In the case of standing orders and bulk or batch payment orders, each individual payment is counted as one transaction.
Calculation: sum of “Credit transfers initiated in paper-based form” and “Credit transfers initiated electronically”.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in sections 2.3 and 2.5 above.
Credit transfers of which : non-
SEPA
Credit transfers which do not comply with the requirements for Single Euro Payments Area
(SEPA) credit transfers, as stipulated in Regulation (EU) No 260/2012 of the European
Parliament and of the Council of 14 March 2012 establishing technical and business requirements for credit transfers and direct debits in euro.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
Term Detailed reporting requirements
Credit transfers initiated in paper-based form
Credit transfer which the payer submits in paper-based form.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
Credit transfers initiated in a file/batch
An electronically initiated credit transfer that is part of a group of credit transfers jointly initiated by the payer via a dedicated line. Each credit transfer contained in a batch is counted as a separate credit transfer when reporting the number of transactions.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
Credit transfers initiated electronically
Any credit transfer which the payer submits without the use of paper forms, i.e. electronically.
Includes submissions by telefax or other means, such as automated telephone banking, if they are transformed into electronic payments without manual intervention. Includes standing orders originally submitted in paper-based form but then executed electronically. Includes credit transfers which are executed by a PSP on the basis of a financial service, if the financial service is initiated electronically, or if the form of submission of the service is not known and the PSP executed the transfer electronically. Includes credit transfers initiated at an ATM with a credit transfer function.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
Credit transfers initiated on a single payment basis
An electronically initiated credit transfer that is initiated independently, i.e. that is not part of a group of credit transfers jointly initiated.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
Credits to the accounts by simple book entry
Cross-border transaction
Credit transaction initiated by a PSP without a specific transaction order and executed by simple book entry (credit entry) to the account of a customer, i.e. without the use of a traditional payment service.
The following transactions are reported for this item:
1. interest payments by the bank;
2. dividend payments by the bank;
3. disbursal of the amount of a loan to the current account of the customer;
4. other credits to an account by simple book entry.
The list is exhaustive. These data are excluded from credit transfers.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
A payment transaction initiated by a payer or by a payee, where the payer’s PSP and the payee’s
PSP are resident in different countries.
Payment systems distinguish and report domestic and cross-border transactions according to the residency of the sending and receiving participants.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
Term Detailed reporting requirements
Currency in circulation
Banknotes and coins in circulation that are issued or authorised by monetary authorities. (See
Regulation ECB/2013/33 of 24 September 2013 concerning the balance sheet of the monetary financial institutions sector.)
Does not include a central bank’s stock of own banknotes (as they are not issued) or commemorative coins that are not commonly used to make payments (see Regulation (EU) No
549/2013 of the European Parliament and of the Council of 21 May 2013 on the European system of national and regional accounts in the European Union – ESA 2010). For non-euro area countries, data on commemorative coins may be included in a memorandum item.
Payments statistics provide the following data on banknotes and coins:
the amount of banknotes and coins in circulation (“Currency in circulation”, giving also a breakdown by denomination);
the amount of cash withdrawn from or deposited in accounts using a payment card and thus added to/withdrawn from currency in circulation outside MFIs (“ATM cash withdrawals”, “ATM cash deposits” and, if available, “Cash advances at POS terminals”);
the amount of cash withdrawn from or deposited in bank accounts using a bank form (“OTC cash withdrawals”, “OTC cash deposits”).
While other means of withdrawing/depositing cash exist, these are not accounted for in payments statistics.
Transaction data on the use of cash are not available.
Measurement: outstanding amount.
Reference period: status at the end of the year.
Currency: national (euro for euro area countries).
Reporting currency: national (euro for euro area countries).
Debits from the accounts by simple book entry
Debit transaction initiated by a PSP without a specific transaction order and executed by simple book entry (debit entry) to the account of a customer, i.e. without the use of a traditional payment service.
The following transactions are reported for this item:
1. charging of interest by the bank;
3. payment of taxes linked to financial assets, if they are a separate transaction but not separately authorised by the customer;
4. repayments of the amount of a loan;
5. other debits from an account by simple book entry.
The list is exhaustive. These data are excluded from direct debits.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
Term Detailed reporting requirements
Direct debit A payment service for debiting a payer’s payment account, potentially on a recurrent basis, where a payment transaction is initiated by the payee on the basis of the payer’s consent given to the payee, to the payee’s PSP or to the payer’s own PSP.
For Country tables 7 and 8/Comparative tables 7 and 9:
Debits from the account of a customer by simple book entry without the use of a traditional direct debit service. (e.g. banking fees paid to the account-holding bank) are not included but are instead reported as “Debits from the accounts by simple book entry”.
Payments are counted on the payee’s side. Direct debits include all SEPA direct debits as well as non-SEPA transactions. Non-SEPA transactions are also reported in the sub-category “non-
SEPA”. Both one-off and recurrent direct debits are included. In the case of recurrent direct debits, each individual payment is counted as one transaction. Direct debits used to settle outstanding balances of transactions using cards with a credit or delayed debit function are included, as these are separate payments from the cardholder to the card issuer. Direct debits resulting from the settlement of an individual card transaction should not be reported in order to avoid double-counting.
Cash payments out of an account using a bank form are not included under direct debits. Instead, they are shown in the memorandum item “OTC cash withdrawals”.
See also “Transactions per type of payment service”.
For Country tables 10 and 11/International systems tables 2 and 3:
All direct debits processed in a payment system are included. Payments are counted on the sending participant’s side. Both one-off and recurrent direct debits are included. In the case of recurrent direct debits, each individual payment is counted as one transaction.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Sections 2.3 and 2.5 above.
Direct debits of which : non-
SEPA
Direct debits which do not comply with the requirements for SEPA direct debits, as stipulated in
Regulation (EU) No 260/2012.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
Direct debit initiated in a file/batch
An electronically initiated direct debit that is part of a group of direct debits jointly initiated by the payee. Each direct debit contained in a batch is counted as a separate direct debit when reporting the number of transactions.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
Direct debit initiated on a single payment basis
An electronically initiated direct debit that is independent from other direct debits, i.e. that is not part of a group of direct debits jointly initiated.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
Term Detailed reporting requirements
Direct participant
An entity which is identified or recognised by a payment system and is authorised to send and receive payment orders directly to and from the system without an intermediary or is directly bound by the rules governing the payment system. In some systems, direct participants also exchange orders on behalf of indirect participants. Every participant with individual access to the system is counted separately, irrespective of whether there is a legal link between two or more such participants (e.g. in the case of a merger).
Sub-category of “Number of participants”.
The following breakdown is provided:
credit
central
other direct participants, of which:
public
clearing settlement
other financial institutions;
others.
Measurement: number of participants.
Reference period: status at the end of the year.
Domestic payment transaction
“Domestic payment transaction” has the same meaning as “national payment transaction” as defined in Article 2 of Regulation (EU) No 260/2012.
EFTPOS
(electronic funds transfer at point of sale) terminal
POS terminal which captures payment information by electronic means and is designed, in some cases, to transmit such information either online (with a real-time request for authorisation) or offline. Sub-category of “POS terminals”. Includes unattended terminals.
Each EFTPOS terminal is counted individually, even where several terminals are provided at one merchant location.
Measurement: number of terminals.
Reference period: status at the end of the year.
See also the notes in Section 2.2 above.
Electronic money
Electronic money institution
(ELMI)
Electronically, including magnetically, stored monetary value, as represented by a claim on the issuer, which is issued on receipt of funds for the purpose of making payment transactions as defined in Article 4(5) of Directive 2007/64/EC, and which is accepted by a natural or legal person other than the electronic money issuer.
“Electronic money institution” has the same meaning as defined in Article 2 of Directive
2009/110/EC of the European Parliament and of the Council of 16 September 2009 on the taking up, pursuit and prudential supervision of the business of electronic money institutions.
Electronic money issuer
E-money accounts
“Electronic money issuer” has the same meaning as defined in Article 2 of Directive 2009/110/EC.
Accounts where electronic money is stored. The balance in the account can be used by the account holder to make payments and to transfer funds between accounts. Cards on which emoney can be stored directly are excluded.
E-money accounts accessed through a card
See the definitions for “e-money accounts” and “card with an e-money function”.
Term Detailed reporting requirements
E-money card terminal
E-money card- accepting terminal
Terminal allowing holders of e-money on a card with an e-money function to transfer e- money value from their balance to the balance of the merchant or other beneficiary. Each e-money cardaccepting terminal is counted individually, even where several terminals are provided at one merchant location.
Measurement: number of terminals.
Reference period: status at the end of the year.
See also the notes in Section 2.2 above.
E-money cardloading and unloading terminal
Terminal allowing the transfer of electronic value from an issuer of electronic money to a card with an e-money function and vice versa or from the balance on the card to the balance of a beneficiary.
The following breakdown of e-money card terminals is provided:
e-money card-loading and unloading terminals;
e-money terminals.
If an e-money card terminal performs both functions, it is counted in both sub-categories. Thus the total number of e-money card terminals may be smaller than the sum of the sub-categories, and sub-categories should not be added up in order to avoid double-counting.
Measurement: number of terminals .
Reference period: status at the end of the year.
See also the notes in Section 2.2 above.
E-money cardloading/ unloading transaction
Terminal allowing the transfer of electronic value from an issuer of electronic money to the holder of a card with an e-money function and vice versa, i.e. loading and unloading. Each e-money card-loading and unloading terminal is counted individually, even where several terminals are provided at one merchant location.
Measurement: number of terminals.
Reference period: status at the end of the year.
See also the notes in Section 2.2 above.
Transactions allowing the transfer of e-money value from an issuer of e-money to a card with an e-money function and vice versa. Both loading and unloading transactions are included.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 242 above.
E-money payment transaction
A transaction whereby a holder of e-money transfers e-money value from his/her own balance to the balance of the beneficiary, either with a card on which e-money can be stored directly or with e-money accounts.
E-money payment transactions are counted on either the payer’s or the payee’s side, depending on the initiation channel. If counted on the payer’s (payee’s) side under transactions received, the transaction should be counted on the payee’s (payer’s) side under transactions sent. Only transactions with cards or storages issued by resident PSPs are reported; transactions are included irrespective of whether they took place within or outside the country of issue.
The following breakdown of e-money payment transactions, with e-money issued by resident
PSPs, is provided:
with cards on which e-money can be stored directly;
with e-money accounts.
Each transaction is allocated to only one sub-category, i.e. the sub-categories are mutually exclusive. Thus the total number of e-money payment transactions is the sum of the subcategories. Transactions under “with e-money accounts” are further split to provide information on those “accessed through a card”.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 2.3 above.
Term Detailed reporting requirements
E-money payment transaction: with cards on which e-money can be stored directly
A transaction whereby the holder of a card with an e-money function transfers e-money value from his/her balance stored on the card to the balance of the beneficiary.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 2.3 above and the entry for “E-money payment transaction”.
E-money payment transaction: with e-money accounts
A transaction whereby the holder of an e-money storage other than a card with an e-money function transfers e-money value from his/her balance to the balance of the beneficiary.
Includes transactions with e-money held on accounts or files.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 2.3 above and the entry for “E-money payment transaction”.
E-money payment transaction: with e-money accounts of which : accessed through a card
A transaction whereby a card is used to access an e-money account and subsequently funds are transferred from the e-money account of the payer, to the account of a payee. See the definition of “e-money accounts”.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
E-money storage
E-money transaction
Instrument for storing e-money funds of a single user, e.g. cards with chips, cards with magnetic stripes, accounts and files.
Data on two types of e-money storage are presented:
cards
other storages.
E-money loading/unloading or e-money payment transaction, i.e. the transfer of e-money value from the issuer of electronic money to an e-money storage (card or other storage) and vice versa, or the transfer of e-money value from the e-money storage (card or other storage) to the balance of a beneficiary.
An undertaking located outside the reporting country which is legally incorporated in the euro area and licensed as a credit institution.
Euro area- based credit institution
Exchange rate Exchange rate of the national currency vis-à-vis the euro. Provided only for non-euro area countries.
Measurement: national currency units versus €1.
Reference period:
1. status at the end of the year;
2. average of end-of-day figures.
Source: ECB.
GDP (current prices)
Gross domestic product at market prices is the final result of the production activity of resident producer units. (See Regulation (EU) No 549/2013, 8.89.)
Measurement: nominal value in current prices, not seasonally adjusted.
Reference period: year.
Currency: all.
Reporting currency: national (euro for euro area countries).
Source: Eurostat.
GDP per capita Average GDP per head of population.
Calculation: “GDP” divided by “population”.
Term Detailed reporting requirements
HICP
Indirect participant
Institutions offering payment services to non-MFIs
Harmonised Index of Consumer Prices. The comparable index of consumer prices produced by each EU Member State, based on the prices of goods and services available for purchase in the economic territory of the Member State for the purposes of directly satisfying consumer needs.
(See Council Regulation (EC) No 2494/95 of 23 October 1995 concerning harmonized indices of consumer prices.)
Measurement: percentage change from previous year.
Reference period: year.
Source: Eurostat.
A participant, in a payment system with tiering arrangement, that uses a direct participant as an intermediary to perform some of the activities allowed in the system (in particular settlement)
All transactions by an indirect participant are settled on the account of a direct participant that has agreed to represent the indirect participant in question. Every participant that can be addressed individually in the system is counted separately, whether or not a legal link exists between two or more such participants (e.g. in the case of a merger).
Measurement: number of participants.
Reference period: status at the end of the year.
Comprises the following legally independent institutions operating in the reporting country:
central
credit institutions legally incorporated in the reporting country (up to April 2011 includes electronic money institutions);
branches of euro area-based credit institutions;
branches of EEA-based credit institutions (outside the euro area);
branches of non-EEA-based banks;
electronic money institutions;
other service
These sub-categories are mutually exclusive. The total number of institutions is the sum of all sub-categories.
Intraday borrowing from the central bank
Total value of credit extended by the central bank to credit institutions and reimbursed within a period of less than one business day.
Data are calculated as the average of the daily maximum value of simultaneous and actual intraday overdraft positions or drawings on intraday credit facilities during the day for all credit institutions taken together.
Measurement: outstanding amount.
Reference period: average for the last maintenance period of the year (i.e. that containing 31
December); see “Indicative calendar of reserve maintenance periods”, available at https://www.ecb.europa.eu/press/calendars/reserve/html/index.en.html
).
Currency: national (euro for euro area countries).
Reporting currency: national (euro for euro area countries).
Counterparty area: world as a whole.
Counterparty sector: credit institutions.
Monetary financial institutions
(MFIs)
MFIs consist of all institutional units included in the sub-sectors central bank (S.121), deposittaking corporations except the central bank (S.122) and money market funds (MMFs) (S.123) as set out in the revised European System of Accounts laid down in Regulation (EU) No 549/2013.
Money remittance
A payment service where funds are received from a payer, without any payment accounts being created in the name of the payer or the payee, for the sole purpose of transferring a corresponding amount to a payee or to another payment service provider acting on behalf of the payee, and/or where such funds are received on behalf of and made available to the payee.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
Term Detailed reporting requirements
M-payment A payment whereby a mobile phone is used to issue the payment order, and possibly also to transfer the means of payment.
M-payments are only included in the payments statistics if settlement occurs via a traditional payment service, in which case they are reported together with other transactions made with those payment instruments.
Narrow money supply (M1)
Currency in circulation plus overnight deposits held with MFIs resident in the reporting country.
This definition is harmonised for euro area countries. If the definition for a non-euro area country differs, a note will indicate the concept used.
Measurement: outstanding amount.
Reference period: status at the end of the year.
Currency: all.
Reporting currency: national (euro for euro area countries).
Counterparty area: euro area.
Counterparty sector: non-MFIs (excluding central government).
Non-EEAbased bank
Non-intraday borrowing from the central bank
Total value of credit extended by the central bank to credit institutions and reimbursed within a period of more than one business day. In the Eurosystem, this amount is equal to the sum of credit extended via:
the marginal lending facility (a standing facility of the Eurosystem which counterparties can use to receive overnight credit at a pre-specified rate);
the main refinancing operations (regular open market operations executed by the
Eurosystem in the form of reverse transactions, conducted through standard weekly tenders with a maturity of two weeks);
longer-term refinancing operations (regular open market operations executed by the
Eurosystem in the form of reverse transactions, conducted through standard monthly tenders with a maturity of three months);
fine-tuning reverse operations (open market operations executed by the Eurosystem at irregular intervals in the form of reverse open market transactions with a non-standardised maturity, aimed at managing the liquidity situation in the market and at steering interest rates);
structural reverse operations (open market operations executed by the Eurosystem at regular or irregular intervals in the form of reverse open market transactions with a non- standardised maturity, aimed at adjusting the structural position of the Eurosystem vis-à-vis the financial sector).
Measurement: outstanding amount.
Reference period: average for the last maintenance period of the year (i.e. that containing 31
December; see “Indicative calendar of reserve maintenance periods”, available at https://www.ecb.europa.eu/press/calendars/reserve/html/index.en.html
).
Reporting currency: national (euro for euro area countries).
Counterparty area: world as a whole.
Counterparty sector: credit institutions.
Non-MFI
An undertaking that is legally incorporated outside the EEA and would have to be licensed as a credit institution if it were incorporated inside the EEA.
Non-TARGET payment system
Number of institutions
Any natural or legal person who/which does not belong to the MFI sector. For the purposes of payments statistics, all PSPs are excluded from the non-MFI sector.
The non-MFI sector comprises general government including central government, other financial intermediaries and financial auxiliaries, insurance corporations and pension funds, non-financial corporations, households and non-profit institutions serving households.
A payment system which is not a component part of TARGET2. A payment system of this type can be managed by a central bank or by a private operator. Only systems handling a significant volume of business are listed.
Each institution is counted once, irrespective of the number of offices it maintains in the country.
The sub-categories are mutually exclusive. The total number of institutions is the sum of all sub- categories. Institutions are included from the first time they are reported to the ECB.
Measurement: number of institutions.
Reference period: status at the end of the year.
Term Detailed reporting requirements
Number of overnight deposits of which : number of internet/PC- linked overnight deposits
Number of overnight deposit accounts held by non-MFIs which the account holder can access and use electronically via the internet or with PC banking applications via dedicated software and dedicated telecommunication lines (in order, for example, to make credit transfers and pay bills).
Often requires an extension of the contract between the account holder and his/her MFI to include such services and may also require that the MFI provide the account holder with electronic identifiers (PINs, TANs, etc.).
Overnight deposits with telephone or mobile phone banking access are not included, unless they are also accessible via internet or PC banking applications.
Sub-category of “Number of overnight deposits”.
Measurement: number of accounts.
Reference period: status at the end of the year.
Counterparty area: world as a whole.
Counterparty sector: non-MFIs.
Number of offices
Number of overnight deposits
Number of places of business in the reporting country. Each place of business set up in the same reporting country is counted separately.
Includes only those offices (regardless of their size and operating hours) that provide payment services with cashless clearing and settlement. Mobile offices are not included. The head office of the institution is counted as an office if it offers payment services with cashless clearing and settlement.
Measurement: number of offices.
Reference period: status at the end of the year.
Number of accounts holding deposits which are convertible into currency and/or transferable on demand by cheque, bankers’ order, debit entry or similar means without significant delay, restriction or penalty.
Measurement: number of deposits.
Reference period: status at the end of the year.
Counterparty area: world as a whole.
Counterparty sector: non-MFIs.
See also “Overnight deposits”.
Number of participants
Office
OTC cash deposit
Includes any institution that is identified by the system and authorised to send transfer orders to and receive transfer orders from the system, either directly (as a direct participant) or indirectly
(as an indirect participant). Each participant with individual access to the system is counted separately, irrespective of whether there is a legal link between two or more such participants
(e.g. in the case of a merger).
The following breakdown of participants is provided:
direct
indirect
Measurement: number of participants.
Reference period: status at the end of the year.
A place of business which forms a legally dependent part of PSP and which carries out directly some or all of the transactions inherent to the business of PSPs. Each place of business set up in the same reporting country is counted separately.
Cash deposit in an account at a PSP using a form, including where a card is used merely to identify the payer. Includes cash deposited in a PSP’s day/night deposit box for crediting to an account at the PSP. These transactions do not represent payments in the strict sense, comprising only a change from cash to account money. Thus they are not included in the breakdown of payment services. However, data may be reported if available.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also “Cash withdrawal/cash deposit”
Term Detailed reporting requirements
OTC cash withdrawal
Other direct participants
Cash withdrawal from an account at a PSP using a form, including where a card is used merely to identify the payee. These transactions do not represent payments in the strict sense, comprising only a change from account money to cash. Thus they are not included in the breakdown of payment services. However, data may be reported if available.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also “Cash withdrawal/cash deposit”
Any direct participant in a payment system which is neither a credit institution nor a central bank.
The following breakdown is provided:
public
clearing
other institutions;
others (including post office giro institutions, where relevant).
Sub-category of “Direct participants”.
Measurement: number of participants.
Reference period: status at the end of the year.
Other financial institutions
All financial institutions participating in a payment system that are under the supervision of the relevant authorities, i.e. either the central bank or the prudential supervisor, but not falling within the definition of credit institutions.
Sub-category of “Other direct participants”.
Measurement: number of entities.
Reference period: status at the end of the year.
Other payment service providers
The sector comprises PSPs which are neither credit institutions nor electronic money institutions.
If the postal institution is a licensed credit institution, it is reported in the category “Credit institutions”.
Other services
(not included in the Payment
Services
Directive)
Payment services existing in some countries that cannot be included in any of the other categories of payment service – e.g. bills of exchange (including truncated bills of exchange).
Does not include documentary letters of credit or bills for collection, unless they can be used directly for settlement. A note states which instruments are included.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 2.3 above.
Hardwarebased electronic money
Electronic money stored on cards with an e-money function.
Measurement: outstanding amount.
Reference period: status at the end of the year.
Currency: all.
Reporting currency: national (euro for euro area countries).
Counterparty area: world as a whole.
Counterparty sector: non-MFIs.
Outstanding value on e- money storages issued
Value, at the end of the reference period, on e-money storages issued and held by entities other than the issuer (including e-money issuers other than the issuer).
Measurement: outstanding amount.
Reference period: status at the end of the year.
Currency: all.
Reporting currency: national (euro for euro area countries).
Counterparty area: world as a whole.
Counterparty sector: non-MFIs .
Term Detailed reporting requirements
Softwarebased electronic money
Overnight deposits
Overnight deposits held at other credit institutions
Overnight deposits held at the central bank
Electronic money in the form of e-money products other than cards with an e-money function, i.e. in the form of other e-money storage products, and held by entities other than the issuer.
Measurement: outstanding amount.
Reference period: status at the end of the year.
Currency: all.
Reporting currency: national (euro for euro area countries).
Counterparty area: world as a whole.
Counterparty sector: non-MFIs.
Deposits which are convertible into currency and/or transferable on demand by cheque, bankers’ order, debit entry or similar means without significant delay, restriction or penalty. Balances representing prepaid amounts in the context of electronic money – either in the form of
“hardware-based” e-money (e.g. prepaid cards) or “software-based” e-money – issued by MFIs are included under this item.
Overnight deposits include the following:
balances (interest-bearing or not) which are transferable by cheque, bankers’ order, debit entry or similar without any significant penalty or restriction;
balances (interest-bearing or not) which are immediately convertible into currency on demand or by close of business on the day following that on which the deposit was made, without any significant penalty or restriction, but which are not transferable;
balances (interest-bearing or not) representing prepaid amounts in the context of “hardwarebased” or “software-based” e-money
(Based on Regulation ECB/2008/32 of 19 December 2008 concerning the balance sheet of the monetary financial institutions sector, Part 2)
All accounts are included, irrespective of the currency in which they are denominated; thus
“Overnight deposits in foreign currencies” is a sub-category of “Overnight deposits”.
Overnight deposits held by credit institutions with other credit institutions.
Measurement: value of deposits.
Reference period: status at the end of the year, namely the last quarter. The terms “end of period” and “value for the last quarter of the period” are used interchangeably in the country tables and the endnotes.
Currency: national (euro for euro area countries).
Reporting currency: national (euro for euro area countries).
Counterparty area: world as a whole.
Counterparty sector: credit institutions.
See also “Overnight deposits”.
Value of overnight deposits held by credit institutions at the central bank.
In the Eurosystem, this amount is equal to the sum of the following holdings of credit institutions with a central bank:
reserve holdings (counterparties’ holdings on their reserve account which serve to fulfil reserve requirements);
holdings in the deposit facility (a standing facility of the Eurosystem which counterparties can use to make overnight deposits remunerated at a pre-specified interest rate).
Measurement: outstanding amount.
Reference period: average for the last maintenance period of the year (i.e. that containing 31
December; see “Indicative calendar of reserve maintenance periods”, available at https://www.ecb.europa.eu/press/calendars/reserve/html/index.en.html
).
Currency: national (euro for euro area countries).
Reporting currency: national (euro for euro area countries).
Counterparty area: world as a whole (euro area for euro area countries).
Counterparty sector: credit institutions.
Term Detailed reporting requirements
Credit transfer initiated in paper-based form
Participant
Payee
(beneficiary)
Payer
Payment institution
Payment instrument
Payment service provider
Credit transfer which the payer submits in paper-based form. Includes submissions by telefax or other means (e.g. non-automated telephone banking) if they require manual intervention in order to be transformed into electronic payments.
For Country tables 7 and 8:
Credit transfer which a bank customer submits to his/her PSP in paper-based form. Includes credit transfers which are executed on the basis of a financial service (such as a documentary letter of credit) if the financial service is submitted in paper-based form, or if the form of submission of the instrument is not known and the bank executed the transfer in paper-based form.
For Country tables 10 and 11:
Credit transfer which the sending participant in the system submits to the system in paper-based form (i.e. the system operator has to transform the order into an electronic format).
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Sections 2.3 and 2.5 above.
An entity which is identified by the transfer system and which is allowed to send, and is capable of receiving, transfer orders to/from the system, either directly or indirectly.
A natural or legal person who/which is the intended final recipient of funds which have been the subject of a payment transaction.
The party to a payment transaction which issues the payment order or agrees to the transfer of funds to the payee.
A legal person that has been granted authorisation in accordance with Article 10 of Directive
2007/64/EC to provide and execute payment services throughout the European Union.
Any personalised device(s) and/or set of procedures agreed between the payment service user and the payment service provider and used by the payment service user in order to initiate a payment order.
A natural or legal person whose regular occupation or business activity includes the provision of payment services to payment service users.
There are six categories of payment service providers:
1. credit institutions within the meaning of Article 4(1)(a) of Directive 2006/48/EC;
2. electronic money institutions within the meaning of Article 2(1) of Directive 2009/110/EC (as of May 2011);
3. post office giro institutions which are entitled under national law to provide payment services;
4. payment institutions, i.e. other natural or legal persons who/which have been granted authorisation in accordance with Article 10 of Directive 2007/64/EC to provide and execute payment services throughout the European Union;
5. the European Central Bank and national central banks when not acting in their capacity as monetary authority or other public authorities;
6. EU Member States or their regional or local authorities when not acting in their capacity as public authorities.
Term
Payment services
Detailed reporting requirements
1. services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account;
2. services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account;
3. execution of payment transactions, including transfers of funds on a payment account with the user’s payment service provider or with another payment service provider: a) execution of direct debits, including one-off direct debits, b) execution of payment transactions through a payment card or a similar device, c) execution of credit transfers, including standing orders;
4. execution of payment transactions where the funds are covered by a credit line for a payment service user: a) execution of direct debits, including one-off direct debits, b) execution of payment transactions through a payment card or a similar device, c) execution of credit transfers, including standing orders;
5. issuing and/or acquiring of payment instruments
Payment transaction
7. execution of payment transactions where the consent of the payer to execute a payment transaction is given by means of any telecommunication, digital or IT device and the payment is made to the telecommunication, IT system or network operator, acting only as an intermediary between the payment service user and the supplier of the goods and services.
The act, initiated by the payer or by the payee, of placing, transferring or withdrawing funds, irrespective of any underlying obligations between the payer and the payee.
Payments with cards with a credit and/or delayed debit function
Payment transactions performed with cards with a credit and/or delayed debit function at a physical terminal or via other channels. This sub-category is only reported if the data cannot be broken down into “Payments with cards with a credit function” and “Payments with cards with a delayed debit function”.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 2.3 above and the entries for “Card payments with cards issued in the country (except cards with an e-money function only)” and “Card with a credit and/or delayed debit function”.
Payments with cards with a credit function
Payment transactions performed with cards with a credit function at a physical terminal or via other channels.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 2.3 above and the entries for “Card payments with cards issued in the country (except cards with an e-money function only)” and “Card with a credit function”.
Payments with cards with a debit and/or delayed debit function
Payment transactions performed with cards with a debit and/or delayed debit function at a physical terminal or via other channels. This sub-category is only reported if the data cannot be broken down into “Payments with cards with a debit function” and “Payments with cards with a delayed debit function”.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 2.3 above and the entries for “Card payments with cards issued in the country (except cards with an e-money function only)” and “Card with a debit and/or delayed debit function”.
Term Detailed reporting requirements
Payments with cards with a debit function
Payment transactions performed with cards with a debit function at a physical terminal or via other channels.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 2.3 above and the entries for “Card payments with cards issued in the country (except cards with an e-money function only)” and “Card with a debit function”.
Payments with cards with a delayed debit function
Payment transactions performed with cards with a delayed debit function at a physical terminal or via other channels.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 2.3 above and the entries for “Card payments with cards issued in the country (except cards with an e-money function only)” and “Card with a delayed debit function”.
Population
POS (point of sale) terminal
All persons, national or foreign, who are permanently settled in the economic territory of the country, even if they are temporarily absent from it. (See Regulation (EU) No 549/2013, 11.05.)
Data are calculated as the average of two point values at the start and end of the year. For some countries, data from only one point in the year is used and a note will alert the user to this fact.
Measurement: number of persons.
Reference period: start and end of the year, presented as an average.
Source: Eurostat.
A POS device allowing the use of payment cards at a physical (not virtual) point of sale. The payment information is captured either manually on paper vouchers or by electronic means, i.e.
EFTPOS.
A POS terminal is designed to enable transmission of information either online, with a real-time request for authorisation, and/or offline.
Measurement: number of terminals.
Reference period: status at the end of the year.
See also the notes in Section 2.2 above.
POS transaction
Postal institution
Transaction performed through a POS terminal using a card with a debit, credit or delayed debit function. Data Include the number/value of transactions performed at EFTPOS terminals. Cash advances at POS terminals together with a payment transaction are also included. If these can be distinguished, they are also reported in the memorandum item “Cash advances at POS terminals”.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
See also the notes in Section 2.4 above and the entry for “Cash withdrawal/cash deposit”.
Country table 5:
Postal institutions are listed as follows:
if they are licensed credit institutions, they are shown in the category “Credit institutions legally incorporated in the reporting country”;
if they are not licensed credit institutions, they are listed in the category “Other institutions offering payment services to non-MFIs”.
Country table 9/International systems table 1:
Number of postal institutions which are direct participants in a payment system is included in the sub- category “Other direct participants”.
Measurement: number of entities.
Reference period: status at the end of the year.
Term Detailed reporting requirements
Public administration
Central, regional and or local government, government agencies and other (semi-)public institutions which are direct participants in a payment system.
Sub-category of “Other direct participants”.
Measurement: number of participants.
Reference period: status at the end of the year.
Retailer card A card issued by a merchant for use at specified merchant outlets. May function as a card with a debit, delayed debit or credit function. Cards issued by three-party schemes – e.g. American
Express or Diners – which are not restricted to specific merchant outlets are not deemed retailer cards.
Retailer cards are excluded from the statistics, except where they have been issued in cooperation with a credit institution (co-branding). In the latter case, the retailer card is included according to the function(s) available on the card.
For countries with a significant volume of retailer card business, a note will indicate the number of retailer cards issued in the country.
Total banknotes in circulation
Banknotes in circulation that are commonly used to make payments. Currency in circulation does not include a central bank’s stock of own banknotes (as they are not in circulation).
Breakdowns by denomination are provided.
Measurement: outstanding amount.
Reference period: status at the end of the year.
Currency: national (euro for euro area countries).
Reporting currency: national (euro for euro area countries).
Total coins in circulation
Total commemorative coins
Coins in circulation that are commonly used to make payments. Currency in circulation does not include a central bank’s stock of coins (as they have not been issued) or commemorative coins that are not commonly used to make payments. If commemorative coins are included, a note will alert the user to this fact.
Breakdowns by denomination are provided.
Measurement: outstanding amount.
Reference period: status at the end of the year.
Currency: national (euro for euro area countries).
Reporting currency: national (euro for euro area countries).
See also “Total commemorative coins”.
Coins that are not commonly used to make payments. They must meet at least one of the following three criteria. a) Coins have legal tender status (in the country of issue) but are not produced with a view to their being used as a means of payment. b) Coins are issued at a price above their face value and are not intended for circulation. This criterion would exclude most coins that are made of precious metals, where the issue price will normally, but not always, exceed the face value. Circulation coins that are made available in special packages (sets or rolls of coins) should not fall under this criterion, despite being sold at a price above their face value, mainly as a result of their packaging. c) Coins have a non-standard denomination.
For non-euro area countries, data on commemorative coins may be included in a memorandum item. For euro area countries, data on commemorative coins are not reported.
Measurement: outstanding amount.
Reference period: status at the end of the year.
Currency: national.
Reporting currency: national.
Term Detailed reporting requirements
Total number of cards
(irrespective of the number of functions on the card)
Total number of physical cards in circulation. These may have one or more of the following functions: cash, debit, credit, delayed debit, e-money. Cards with multiple functions should be counted only once in order to avoid double-counting. Cards issued by merchants (retailer cards) are not included, unless they have been issued in cooperation with a credit institution (cobranding).
Measurement: number of cards.
Reference period: status at the end of the year.
See also the notes in Section 2.1 above.
Total number/ value of payment transactions
Total number/value of transactions with traditional payment services involving non-MFIs. Does not include the number/value of “Credits to/Debits from the accounts by simple book entry”.
Calculation: sum of the number/value of transactions for all sub-categories of payment service.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all.
Reporting currency: national (euro for euro area countries).
Transaction sent
Total transactions sent
A transaction involving non-MFIs and sent to PSPs. Information is provided in the reporting country by the resident PSP.
For different payment services, the following applies: a) credit transfers are counted on the payer’s side; b) direct debits are counted on the payee’s side; c) cheques are counted on the payee’s side; d) card transactions are counted on the payer’s, i.e. the issuing, side; e) e-money payment transactions are counted on either the payer’s or the payee’s side, depending on the initiation channel (if counted on the payer’s (payee’s) side under transactions sent, the transaction should be counted on the payee’s (payer’s) side under transactions received).
In the context of payment systems, this is a transaction sent by a participant for processing by the payment system.
Total number/value of transactions sent in any given payment system.
Breakdown by payment service.
In the case of TARGET2 components, no breakdown by payment service is provided, since
TARGET2 only processes credit transfers and direct debits.
In the case of non-TARGET2 payment systems, the following breakdown by category of payment service is provided, where applicable to the system:
credit
direct
card
ATM transactions (if these can be distinguished);
e-money
cheques;
other services.
Geographical breakdowns:
For TARGET2 components, a geographical breakdown is provided according to the nationality of the TARGET2 component (see “TARGET2 component”):
transactions sent within the same TARGET2 component;
transactions sent to another TARGET2 component.
For non-TARGET2 payment systems, no geographical breakdown is provided.
Measurement: number/value of transactions.
Reference period: total for the year.
Transaction currency: all (euro for TARGET2 components)
Reporting currency: national (euro for TARGET2 components and for euro area countries).