Dados de Portugal e Quadros Comparativos ESTATÍSTICAS DE PAGAMENTOS 2010-2014 Fonte:

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ESTATÍSTICAS DE PAGAMENTOS

20 10 -201 4

Dados de P ortugal e Q uadros

C

omparativos

Fonte: http://sdw.ecb.europa.eu/home.do

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

PAYMENTS STATISTICS:

GENERAL NOTES

PAYMENTS STATISTICS: ACRONYMS

ATM automated teller machine

EEA European Economic Area

EFTPOS electronic funds transfer at point of sale

MFI monetary financial institution

PSP payment service provider

PAYMENTS STATISTICS: CONVENTIONS

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.

PORTUGAL

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.

QUADROS COMPARATIVOS

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.

D E FINIÇÕES

Dados de PORTUGAL e quadros comparativos

Fonte: http://sdw.ecb.europa.eu/home.do

 

PAYMENTS STATISTICS: DEFINITIONS

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).

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