CTA1: Selected data from T1-T6
«Germany»
Year
« ‹ 2019 › »
20152016201720182019
Basic statistical data
GDP (USD bn)3,3553,4683,6833,9713,888
Population (thousands)81,68782,34982,65782,90683,093
GDP per capita (USD per inhabitant)41,07642,11444,56047,89346,787
CPI inflation (% change on previous year)0.50.51.51.71.4
Exchange rate (domestic currency vis-à-vis USD):
  end of year (Per USD)		0.9190.9490.8340.8730.890
Exchange rate (domestic currency vis-à-vis USD):
  average (Per USD)		0.9020.9040.8870.8480.893
Banknotes and coins in circulation
Total value (USD bn)napnapnapnapnap
Value per inhabitant (USD)napnapnapnapnap
Value as a percentage of GDP (%)napnapnapnapnap
Value as a percentage of narrow money (%)napnapnapnapnap
Deposits held by banks
Bank deposits held at the central bank: Total value (USD bn)244458754695629
Bank deposits held at the central bank:
  Value as a percentage of GDP (%)		7.413.919.218.016.1
Interbank deposits: Total value (USD bn)137174206196171
Interbank deposits: Value as a percentage of GDP (%)4.25.35.35.14.4
Institutions offering payment services/instruments
 (units)
Number of institutions: Total number 1,8281,7561,6911,6461,618
Number of institutions: Number per 1 million inhabitants 22.421.320.519.919.5
Number of branches or offices: Total number nav32,10030,19227,95326,732
Number of branches or offices:
  Number per 1 million inhabitants 		nav389.8365.3337.2321.7
Payment accounts held by end users
Total number of payment accounts (thousands)103,128105,807106,061108,152nav
Number of accounts per inhabitant (units)1111nav
Total value of payment accounts (USD bn)navnavnavnav2,755
Value per inhabitant (USD)navnavnavnav33,158
Value as a percentage of GDP (%)navnavnavnav70.9
Use of payment services/instruments
Volume of cashless payments
Total volume of cashless payments (millions)19,37019,93120,89722,02823,594
Increase in the total volume of cashless payments
 (% change on previous year)		9.92.94.85.47.1
Average number of cashless payments per inhabitant (units)237242253266284
Daily average volume of cashless payments (millions)5355576065
Volume of cashless payments by instrument type
 (millions)
Credit transfers 6,0206,1866,2996,4686,677
Direct debits 9,6069,64710,06410,21510,579
Cheques 211813108
Card and e-money payments: Total volume 3,7234,0814,5225,3356,329
Card and e-money payments: By card with a debit function 2,7232,9633,2753,9144,716
Card and e-money payments:
  By card with a delayed debit function 		8799841,1011,2601,435
Card and e-money payments: By card with a credit function 8996110126145
Card and e-money payments: E-money payments 3237363533
Other payment instruments napnapnapnapnap
Memo: Money remittances 89888
Relative importance of cashless payments, in volume of payments
 (% of total cashless payments)
Credit transfers 31.131.030.129.428.3
Direct debits 49.648.448.246.444.8
Cheques 0.10.10.10.00.0
Card and e-money payments: Total volume 19.220.521.624.226.8
Card and e-money payments: By card with a debit function 14.114.915.717.820.0
Card and e-money payments:
  By card with a delayed debit function 		4.54.95.35.76.1
Card and e-money payments: By card with a credit function 0.50.50.50.60.6
Card and e-money payments: E-money payments 0.20.20.20.20.1
Other payment instruments napnapnapnapnap
Memo: Money remittances 0.00.00.00.00.0
Increase in the volume of cashless payments
 (% change on previous year)
Credit transfers 6.92.81.82.73.2
Direct debits 13.20.44.31.53.6
Cheques -28.4-18.2-26.6-18.3-20.6
Card and e-money payments: Total volume 7.49.610.818.018.6
Card and e-money payments: By card with a debit function 4.98.810.519.520.5
Card and e-money payments:
  By card with a delayed debit function 		15.311.911.914.513.8
Card and e-money payments: By card with a credit function 16.68.414.114.815.1
Card and e-money payments: E-money payments -4.913.8-3.5-2.4-3.4
Other payment instruments napnapnapnapnap
Memo: Money remittances 14.44.3-4.1-0.2-3.0
Volume of cashless payments per inhabitant
 (units)
Credit transfers 73.775.176.278.080.4
Direct debits 117.6117.1121.8123.2127.3
Cheques 0.30.20.20.10.1
Card and e-money payments: Total volume 45.649.654.764.376.2
Card and e-money payments: By card with a debit function 33.336.039.647.256.8
Card and e-money payments:
  By card with a delayed debit function 		10.811.913.315.217.3
Card and e-money payments: By card with a credit function 1.11.21.31.51.7
Card and e-money payments: E-money payments 0.40.40.40.40.4
Other payment instruments napnapnapnapnap
Memo: Money remittances 0.10.10.10.10.1
Daily average volume of cashless payments
 (thousands)
Credit transfers 16,49216,94817,25617,72118,294
Direct debits 26,31826,43027,57227,98528,985
Cheques 5948352923
Card and e-money payments: Total volume 10,20011,18012,38814,61617,341
Card and e-money payments: By card with a debit function 7,4598,1198,97410,72312,920
Card and e-money payments:
  By card with a delayed debit function 		2,4082,6963,0163,4533,931
Card and e-money payments: By card with a credit function 244264301346398
Card and e-money payments: E-money payments 89101979592
Other payment instruments napnapnapnapnap
Memo: Money remittances 2324232322
Volume of fast payments
Fast payments: Total volume (thousands)napnapnapnapnap
Fast payments: By credit transfer (%)napnapnapnapnap
Fast payments: By direct debit (%)napnapnapnapnap
Fast payments: By other instrument type (%)napnapnapnapnap
Fast payments: Of total cashless payments (%)napnapnapnapnap
Fast payments: Increase in volume (%)napnapnapnapnap
Fast payments: Average volume per inhabitant (units)napnapnapnapnap
Fast payments: Daily average volume (thousands)napnapnapnapnap
Value of cashless payments
Cashless payments: Total value (USD millions)60,405,47559,259,83562,166,09265,778,36766,062,951
Cashless payments: Increase in the real value
 (% change on previous year, adjusted by CPI inflation)		-13.8-2.43.34.0-1.0
Cashless payments: Average value per cashless payment (USD)3,1192,9732,9752,9862,800
Cashless payments: Average value per inhabitant (USD)739,475719,618752,097793,409795,048
Cashless payments: Value as a ratio to GDP (%)1,800.31,708.71,687.81,656.61,699.3
Cashless payments: Daily average value (USD millions)165,494162,356170,318180,215180,994
Value of cashless payments by instrument type
 (USD millions)
Credit transfers 55,837,04754,921,85757,821,00161,054,29461,337,538
Direct debits 4,123,4963,885,5393,905,3394,246,1704,251,025
Cheques 171,891167,022123,031106,28481,096
Card and e-money payments: Total value 273,041285,418316,722371,618393,292
Card and e-money payments: By card with a debit function 177,956184,902205,685242,784259,409
Card and e-money payments:
  By card with a delayed debit function 		88,07093,036102,472118,648122,895
Card and e-money payments: By card with a credit function 6,4496,6577,6629,1859,979
Card and e-money payments: E-money payments 5678218971,0001,010
Other payment instruments napnapnapnapnap
Memo: Money remittances 172,569171,867171,815174,476160,779
Relative importance of cashless payments, in value of payments
 (% of total cashless payments)
Credit transfers 92.492.793.092.892.8
Direct debits 6.86.66.36.56.4
Cheques 0.30.30.20.20.1
Card and e-money payments: Total value 0.50.50.50.60.6
Card and e-money payments: By card with a debit function 0.30.30.30.40.4
Card and e-money payments:
  By card with a delayed debit function 		0.10.20.20.20.2
Card and e-money payments: By card with a credit function 0.00.00.00.00.0
Card and e-money payments: E-money payments 0.00.00.00.00.0
Other payment instruments napnapnapnapnap
Memo: Money remittances 0.30.30.30.30.2
Increase in the real value of cashless payments
 (% change on previous year, adjusted by CPI inflation)
Credit transfers -14.3-2.13.73.8-1.0
Direct debits -6.0-6.2-1.06.9-1.3
Cheques -24.4-3.3-27.4-15.1-24.8
Card and e-money payments: Total value -13.14.09.315.34.3
Card and e-money payments: By card with a debit function -12.33.49.616.05.3
Card and e-money payments:
  By card with a delayed debit function 		-15.45.18.513.82.1
Card and e-money payments: By card with a credit function -2.12.713.417.87.1
Card and e-money payments: E-money payments 2.844.17.69.6-0.4
Other payment instruments napnapnapnapnap
Memo: Money remittances -16.8-0.9-1.5-0.2-9.2
Average value of cashless payments per payment
 (USD)
Credit transfers 9,2768,8789,1809,4399,186
Direct debits 429403388416402
Cheques 8,0349,5389,57610,1299,732
Card and e-money payments: Total value 7370707062
Card and e-money payments: By card with a debit function 6562636255
Card and e-money payments:
  By card with a delayed debit function 		10095939486
Card and e-money payments: By card with a credit function 7269707369
Card and e-money payments: E-money payments 1822252930
Other payment instruments napnapnapnapnap
Memo: Money remittances 20,71719,78720,61620,98319,930
Average value of cashless payments per inhabitant
 (USD)
Credit transfers 683,549666,940699,529736,428738,179
Direct debits 50,47947,18447,24851,21751,160
Cheques 2,1042,0281,4881,282976
Card and e-money payments: Total value 3,3433,4663,8324,4824,733
Card and e-money payments: By card with a debit function 2,1792,2452,4882,9283,122
Card and e-money payments:
  By card with a delayed debit function 		1,0781,1301,2401,4311,479
Card and e-money payments: By card with a credit function 798193111120
Card and e-money payments: E-money payments 710111212
Other payment instruments napnapnapnapnap
Memo: Money remittances 2,1132,0872,0792,1051,935
Value of cashless payments as a ratio to GDP
 (%)
Credit transfers 1,664.11,583.71,569.81,537.61,577.8
Direct debits 122.9112.0106.0106.9109.3
Cheques 5.14.83.32.72.1
Card and e-money payments: Total value 8.18.28.69.410.1
Card and e-money payments: By card with a debit function 5.35.35.66.16.7
Card and e-money payments:
  By card with a delayed debit function 		2.62.72.83.03.2
Card and e-money payments: By card with a credit function 0.20.20.20.20.3
Card and e-money payments: E-money payments 0.00.00.00.00.0
Other payment instruments napnapnapnapnap
Memo: Money remittances 5.15.04.74.44.2
Daily average value of cashless payments
 (USD millions)
Credit transfers 152,978150,471158,414167,272168,048
Direct debits 11,29710,64510,70011,63311,647
Cheques 471458337291222
Card and e-money payments: Total value 7487828681,0181,078
Card and e-money payments: By card with a debit function 488507564665711
Card and e-money payments:
  By card with a delayed debit function 		241255281325337
Card and e-money payments: By card with a credit function 1818212527
Card and e-money payments: E-money payments 22233
Other payment instruments napnapnapnapnap
Memo: Money remittances 473471471478440
Value of fast payments
Fast payments: Total value (USD millions)napnapnapnapnap
Fast payments: By credit transfer (%)napnapnapnapnap
Fast payments: By direct debit (%)napnapnapnapnap
Fast payments: By other instrument type (%)napnapnapnapnap
Fast payments: Of total cashless payments (%)napnapnapnapnap
Fast payments: Increase in real value
 (% change on previous year, adjusted by CPI inflation)		napnapnapnapnap
Fast payments: Average value per payment (USD)napnapnapnapnap
Fast payments: Average value per inhabitant (USD)napnapnapnapnap
Fast payments: Value as ratio of GDP (%)napnapnapnapnap
Volume of withdrawals/deposits
With cards issued inside the country: Total volume (millions)2,6922,6872,6082,5452,444
With cards issued inside the country:
  Increase in total volume
 (% change on previous year)		4.4-0.2-2.9-2.4-3.9
With cards issued inside the country:
  Average volume per inhabitant (units)		3333323129
With cards issued inside the country:
  Daily average volume (units)		7,375,2937,362,1817,145,4886,971,7896,696,926
Volume of withdrawals/deposits broken down by cash withdrawals,
 cash deposits and e-money loading and unloading transactions
 (millions)
Cash withdrawals with cards issued inside the country 2,4222,4182,3462,2842,192
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		2,3732,3662,2932,2282,132
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		4952535660
Memo: Cash withdrawals at locations inside the country 2,4002,4072,3352,2702,173
Cash withdrawals with cards issued outside the country 2741424241
Cash deposits at locations inside and outside the country 266265259257249
Cash deposits with cards issued inside the country at locations
  inside the country 		266265259257249
E-money loading/unloading transactions navnav322
Relative importance of withdrawals/deposits,
 in volume of transactions
 (%)
Cash withdrawals with cards issued inside the country 90.090.089.989.889.7
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		88.188.187.987.687.2
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		1.81.92.02.22.5
Cash withdrawals:total 9.99.99.910.110.2
Cash deposits with cards issued inside the country at locations
  inside the country 		9.99.99.910.110.2
E-money loading/unloading transactions navnav0.10.10.1
Increase in the volume of withdrawals/deposits
 (% change on previous year)
Cash withdrawals with cards issued inside the country 4.9-0.2-3.0-2.6-4.0
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		4.4-0.3-3.1-2.8-4.3
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		36.26.11.86.67.2
Memo: Cash withdrawals at locations inside the country 4.10.3-3.0-2.8-4.3
Cash withdrawals with cards issued outside the country -16.349.32.50.2-1.9
Cash withdrawals:total 1.0-0.1-2.4-0.6-3.0
Cash deposits with cards issued inside the country at locations
  inside the country 		1.0-0.1-2.4-0.6-3.0
E-money loading/unloading transactions navnavnav-18.0-11.1
Volume of withdrawals/deposits per inhabitant
 (units)
Cash withdrawals with cards issued inside the country 3029282826
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		2929282726
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		11111
Cash withdrawals:total 33333
Cash deposits with cards issued inside the country at locations
  inside the country 		33333
E-money loading/unloading transactions navnav000
Daily average volume of withdrawals/deposits
 (thousands)
Cash withdrawals with cards issued inside the country 6,6356,6256,4276,2596,006
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		6,5016,4836,2836,1055,841
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		134142145154165
Memo: Cash withdrawals at locations inside the country 6,5766,5956,3976,2205,953
Cash withdrawals with cards issued outside the country 75112115115113
Cash withdrawals:total 727727709705683
Cash deposits with cards issued inside the country at locations
  inside the country 		727727709705683
E-money loading/unloading transactions navnav765
Value of withdrawals/deposits
Total value (USD millions)1,133,2981,114,2921,097,0481,131,0631,050,097
Increase in the real value
 (% change on previous year, adjusted by CPI inflation)		-12.6-2.2-3.01.3-8.5
Average value per transaction (USD)421415421444430
Average value per inhabitant (USD)13,87413,53113,27213,64312,638
Total value as a ratio to GDP (%)33.832.129.828.527.0
Daily average value (USD millions)3,1053,0533,0063,0992,877
Value of withdrawals/deposits broken down by cash withdrawals,
 cash deposits and e-money loading and unloading transactions
 (USD millions)
Cash withdrawals with cards issued inside the country 686,742686,892678,420700,007653,721
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		676,490676,097667,021687,475640,920
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		10,25110,79511,39912,53112,801
Memo: Cash withdrawals at locations inside the country 681,707683,568674,613695,371648,344
Cash withdrawals with cards issued outside the country 5,2177,4717,5927,8967,424
Cash deposits at locations inside and outside the country 446,383427,250418,499430,935396,273
Cash deposits with cards issued inside the country at locations
  inside the country 		446,383427,250418,499430,935396,273
E-money loading/unloading transactions navnav998670
Relative importance of withdrawals/deposits, in value of transactions
 (%)
Cash withdrawals with cards issued inside the country 60.661.661.861.962.3
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		59.760.760.860.861.0
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		0.91.01.01.11.2
Cash withdrawals:total 39.438.338.138.137.7
Cash deposits with cards issued inside the country at locations
  inside the country 		39.438.338.138.137.7
E-money loading/unloading transactions navnav0.00.00.0
Increase in the real value of withdrawals/deposits
 (% change on previous year, adjusted by CPI inflation)
Cash withdrawals with cards issued inside the country -12.5-0.5-2.71.4-7.9
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		-12.8-0.5-2.81.3-8.1
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		14.54.84.08.10.7
Memo: Cash withdrawals at locations inside the country -13.1-0.2-2.81.3-8.1
Cash withdrawals with cards issued outside the country -33.842.50.12.2-7.3
Cash withdrawals:total -12.8-4.8-3.51.2-9.4
Cash deposits with cards issued inside the country at locations
  inside the country 		-12.8-4.8-3.51.2-9.4
E-money loading/unloading transactions navnavnav-14.9-19.8
Value withdrawals/deposits per transaction
 (USD)
Cash withdrawals with cards issued inside the country 284284289306298
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		285286291309301
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		210208216223212
Memo: Cash withdrawals at locations inside the country 284284289306298
Cash withdrawals with cards issued outside the country 191183181188181
Cash withdrawals:total 1,6811,6111,6171,6761,589
Cash deposits with cards issued inside the country at locations
  inside the country 		1,6811,6111,6171,6761,589
E-money loading/unloading transactions navnav384037
Average value of withdrawals/deposits per inhabitant
 (USD)
Cash withdrawals with cards issued inside the country 8,4078,3418,2088,4437,867
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		8,2818,2108,0708,2927,713
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		125131138151154
Cash withdrawals:total 5,4655,1885,0635,1984,769
Cash deposits with cards issued inside the country at locations
  inside the country 		5,4655,1885,0635,1984,769
E-money loading/unloading transactions navnav111
Value of withdrawals/deposits as a ratio to GDP
 (%)
Cash withdrawals with cards issued inside the country 20.519.818.417.616.8
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		20.219.518.117.316.5
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		0.30.30.30.30.3
Cash withdrawals:total 13.312.311.410.910.2
Cash deposits with cards issued inside the country at locations
  inside the country 		13.312.311.410.910.2
E-money loading/unloading transactions navnav0.00.00.0
Daily average value of withdrawals/deposits
 (USD millions)
Cash withdrawals with cards issued inside the country 1,8811,8821,8591,9181,791
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		1,8531,8521,8271,8831,756
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		2830313435
Memo: Cash withdrawals at locations inside the country 1,8681,8731,8481,9051,776
Cash withdrawals with cards issued outside the country 1420212220
Cash withdrawals:total 1,2231,1711,1471,1811,086
Cash deposits with cards issued inside the country at locations
  inside the country 		1,2231,1711,1471,1811,086
E-money loading/unloading transactions navnav000
Number of cards
 (thousands)
Total 151,136155,586156,985159,378164,760
With a cash function 147,295149,884151,014153,977159,106
With a debit function 106,103108,951109,312111,551115,665
With a delayed debit function 28,24528,73329,77230,22131,552
With a credit function 4,9004,9925,2805,6775,731
With an e-money function 91,90886,74578,62877,20777,449
Total number of cards: of which: contactless napnapnapnapnap
Total number of cards: of which: issued by a non-bank nav2,7442,8553,0183,158
Total number of cards:
  of which: able to initiate device-not-present payments 		napnapnapnapnap
Increase in the number of cards
 (% change on previous year)
Total 1.92.90.91.53.4
With a cash function 2.11.80.82.03.3
With a debit function 1.92.70.32.03.7
With a delayed debit function 5.21.73.61.54.4
With a credit function 11.61.95.87.51.0
With an e-money function -3.8-5.6-9.4-1.80.3
Total number of cards: of which: contactless napnapnapnapnap
Total number of cards: of which: issued by a non-bank navnav4.15.74.6
Total number of cards:
  of which: able to initiate device-not-present payments 		napnapnapnapnap
Number of cards per inhabitant
 (units)
Total 1.851.891.901.921.98
With a cash function 1.801.821.831.861.91
With a debit function 1.301.321.321.351.39
With a delayed debit function 0.350.350.360.360.38
With a credit function 0.060.060.060.070.07
With an e-money function 1.131.050.950.930.93
Total number of cards: of which: contactless napnapnapnapnap
Total number of cards: of which: issued by a non-bank nav0.030.030.040.04
Total number of cards:
  of which: able to initiate device-not-present payments 		napnapnapnapnap
Number of terminals
 (thousands)
POS terminals 1,1291,1411,2071,1791,147
EFTPOS terminals: total 784796816840871
EFTPOS terminals: contactless napnapnapnapnap
ATMs: total 8786858685
ATMs: cash withdrawal 5959585958
ATMs: cash deposit napnapnapnapnap
ATMs: credit transfer 2828282827
ATMs: contactless napnapnapnapnap
Terminals located in the country: increase in the number of terminals
 (% change on previous year)
POS terminals -1.61.15.7-2.3-2.8
EFTPOS terminals: total 2.31.52.52.93.7
EFTPOS terminals: contactless napnapnapnapnap
ATMs: total -0.1-0.8-1.11.1-0.8
ATMs: cash withdrawal 1.40.2-1.41.1-0.6
ATMs: cash deposit napnapnapnapnap
ATMs: credit transfer -0.30.5-0.00.2-4.2
ATMs: contactless napnapnapnapnap
Number of terminals per inhabitant
 (units)
POS terminals 0.0140.0140.0150.0140.014
EFTPOS terminals: total 0.0100.0100.0100.0100.010
EFTPOS terminals: contactless napnapnapnapnap
ATMs: total 0.0010.0010.0010.0010.001
ATMs: cash withdrawal 0.0010.0010.0010.0010.001
ATMs: cash deposit napnapnapnapnap
ATMs: credit transfer 0.0000.0000.0000.0000.000
ATMs: contactless napnapnapnapnap