CTA1: Selected data from T1-T6
«Germany»
Year
« ‹ 2021 › »
20172018201920202021
Basic statistical data
GDP (USD bn)3,6833,9713,8883,8844,257
Population (thousands)82,65782,90683,09383,16183,197
GDP per capita (USD per inhabitant)44,56047,89346,78746,70251,173
CPI inflation (% change on previous year)1.51.71.40.53.1
Exchange rate (domestic currency vis-à-vis USD):
  end of year (Per USD)		0.8340.8730.8900.8150.883
Exchange rate (domestic currency vis-à-vis USD):
  average (Per USD)		0.8870.8480.8930.8770.846
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)7546956291,2971,419
Bank deposits held at the central bank:
  Value as a percentage of GDP (%)		19.218.016.131.034.8
Interbank deposits: Total value (USD bn)206196171257200
Interbank deposits: Value as a percentage of GDP (%)5.35.14.46.14.9
Institutions offering payment services/instruments
 (units)
Number of institutions: Total number 1,6911,6461,6181,6081,555
Number of institutions: Number per 1 million inhabitants 20.519.919.519.318.7
Number of branches or offices: Total number 30,19227,95326,73224,13123,367
Number of branches or offices:
  Number per 1 million inhabitants 		365.3337.2321.7290.2280.9
Payment accounts held by end users
Total number of payment accounts (thousands)106,061108,152navnavnav
Number of accounts per inhabitant (units)11navnavnav
Total value of payment accounts (USD bn)navnav2,7553,4663,503
Value per inhabitant (USD)navnav33,15841,67842,109
Value as a percentage of GDP (%)navnav70.989.282.3
Use of payment services/instruments
Volume of cashless payments
Total volume of cashless payments (millions)20,89722,02823,59425,76227,248
Increase in the total volume of cashless payments
 (% change on previous year)		4.85.47.19.25.8
Average number of cashless payments per inhabitant (units)253266284310328
Daily average volume of cashless payments (millions)5760657175
Volume of cashless payments by instrument type
 (millions)
Credit transfers 6,2996,4686,6776,8987,129
Direct debits 10,06410,21510,57911,30111,831
Cheques 1310865
Card and e-money payments: Total volume 4,5225,3356,3297,5578,283
Card and e-money payments: By card with a debit function 3,2753,9144,7165,9166,534
Card and e-money payments:
  By card with a delayed debit function 		1,1011,2601,4351,4701,563
Card and e-money payments: By card with a credit function 110126145143162
Card and e-money payments: E-money payments 3635332724
Other payment instruments napnapnapnapnap
Memo: Money remittances 888napnap
Relative importance of cashless payments, in volume of payments
 (% of total cashless payments)
Credit transfers 30.129.428.326.826.2
Direct debits 48.246.444.843.943.4
Cheques 0.10.00.00.00.0
Card and e-money payments: Total volume 21.624.226.829.330.4
Card and e-money payments: By card with a debit function 15.717.820.023.024.0
Card and e-money payments:
  By card with a delayed debit function 		5.35.76.15.75.7
Card and e-money payments: By card with a credit function 0.50.60.60.60.6
Card and e-money payments: E-money payments 0.20.20.10.10.1
Other payment instruments napnapnapnapnap
Memo: Money remittances 0.00.00.0napnap
Increase in the volume of cashless payments
 (% change on previous year)
Credit transfers 1.82.73.23.33.3
Direct debits 4.31.53.66.84.7
Cheques -26.6-18.3-20.6-25.8-22.9
Card and e-money payments: Total volume 10.818.018.619.49.6
Card and e-money payments: By card with a debit function 10.519.520.525.410.5
Card and e-money payments:
  By card with a delayed debit function 		11.914.513.82.56.3
Card and e-money payments: By card with a credit function 14.114.815.1-1.313.2
Card and e-money payments: E-money payments -3.5-2.4-3.4-19.0-12.0
Other payment instruments napnapnapnapnap
Memo: Money remittances -4.1-0.2-3.0napnap
Volume of cashless payments per inhabitant
 (units)
Credit transfers 76.278.080.483.085.7
Direct debits 121.8123.2127.3135.9142.2
Cheques 0.20.10.10.10.1
Card and e-money payments: Total volume 54.764.376.290.999.6
Card and e-money payments: By card with a debit function 39.647.256.871.178.5
Card and e-money payments:
  By card with a delayed debit function 		13.315.217.317.718.8
Card and e-money payments: By card with a credit function 1.31.51.71.72.0
Card and e-money payments: E-money payments 0.40.40.40.30.3
Other payment instruments napnapnapnapnap
Memo: Money remittances 0.10.10.1napnap
Daily average volume of cashless payments
 (thousands)
Credit transfers 17,25617,72118,29418,90019,531
Direct debits 27,57227,98528,98530,96132,413
Cheques 3529231713
Card and e-money payments: Total volume 12,38814,61617,34120,70422,693
Card and e-money payments: By card with a debit function 8,97410,72312,92016,20817,902
Card and e-money payments:
  By card with a delayed debit function 		3,0163,4533,9314,0294,281
Card and e-money payments: By card with a credit function 301346398393445
Card and e-money payments: E-money payments 9795927465
Other payment instruments napnapnapnapnap
Memo: Money remittances 232322napnap
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)62,166,09265,778,36766,062,95169,868,79478,343,805
Cashless payments: Increase in the real value
 (% change on previous year, adjusted by CPI inflation)		3.34.0-1.05.28.7
Cashless payments: Average value per cashless payment (USD)2,9752,9862,8002,7122,875
Cashless payments: Average value per inhabitant (USD)752,097793,409795,048840,163941,666
Cashless payments: Value as a ratio to GDP (%)1,687.81,656.61,699.31,799.01,840.1
Cashless payments: Daily average value (USD millions)170,318180,215180,994191,421214,641
Value of cashless payments by instrument type
 (USD millions)
Credit transfers 57,821,00161,054,29461,337,53864,861,12572,762,818
Direct debits 3,905,3394,246,1704,251,0254,533,9995,069,205
Cheques 123,031106,28481,09657,79745,686
Card and e-money payments: Total value 316,722371,618393,292415,873466,096
Card and e-money payments: By card with a debit function 205,685242,784259,409305,271341,095
Card and e-money payments:
  By card with a delayed debit function 		102,472118,648122,895100,720113,387
Card and e-money payments: By card with a credit function 7,6629,1859,9798,80710,402
Card and e-money payments: E-money payments 8971,0001,0101,0741,212
Other payment instruments napnapnapnapnap
Memo: Money remittances 171,815174,476160,779napnap
Relative importance of cashless payments, in value of payments
 (% of total cashless payments)
Credit transfers 93.092.892.892.892.9
Direct debits 6.36.56.46.56.5
Cheques 0.20.20.10.10.1
Card and e-money payments: Total value 0.50.60.60.60.6
Card and e-money payments: By card with a debit function 0.30.40.40.40.4
Card and e-money payments:
  By card with a delayed debit function 		0.20.20.20.10.1
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 0.30.30.2napnap
Increase in the real value of cashless payments
 (% change on previous year, adjusted by CPI inflation)
Credit transfers 3.73.8-1.05.28.8
Direct debits -1.06.9-1.36.18.4
Cheques -27.4-15.1-24.8-29.1-23.4
Card and e-money payments: Total value 9.315.34.35.28.7
Card and e-money payments: By card with a debit function 9.616.05.317.18.3
Card and e-money payments:
  By card with a delayed debit function 		8.513.82.1-18.59.1
Card and e-money payments: By card with a credit function 13.417.87.1-12.214.5
Card and e-money payments: E-money payments 7.69.6-0.45.89.4
Other payment instruments napnapnapnapnap
Memo: Money remittances -1.5-0.2-9.2napnap
Average value of cashless payments per payment
 (USD)
Credit transfers 9,1809,4399,1869,40210,207
Direct debits 388416402401428
Cheques 9,57610,1299,7329,3499,590
Card and e-money payments: Total value 7070625556
Card and e-money payments: By card with a debit function 6362555252
Card and e-money payments:
  By card with a delayed debit function 		9394866873
Card and e-money payments: By card with a credit function 7073696164
Card and e-money payments: E-money payments 2529304051
Other payment instruments napnapnapnapnap
Memo: Money remittances 20,61620,98319,930napnap
Average value of cashless payments per inhabitant
 (USD)
Credit transfers 699,529736,428738,179779,946874,585
Direct debits 47,24851,21751,16054,52160,930
Cheques 1,4881,282976695549
Card and e-money payments: Total value 3,8324,4824,7335,0015,602
Card and e-money payments: By card with a debit function 2,4882,9283,1223,6714,100
Card and e-money payments:
  By card with a delayed debit function 		1,2401,4311,4791,2111,363
Card and e-money payments: By card with a credit function 93111120106125
Card and e-money payments: E-money payments 1112121315
Other payment instruments napnapnapnapnap
Memo: Money remittances 2,0792,1051,935napnap
Value of cashless payments as a ratio to GDP
 (%)
Credit transfers 1,569.81,537.61,577.81,670.01,709.1
Direct debits 106.0106.9109.3116.7119.1
Cheques 3.32.72.11.51.1
Card and e-money payments: Total value 8.69.410.110.710.9
Card and e-money payments: By card with a debit function 5.66.16.77.98.0
Card and e-money payments:
  By card with a delayed debit function 		2.83.03.22.62.7
Card and e-money payments: By card with a credit function 0.20.20.30.20.2
Card and e-money payments: E-money payments 0.00.00.00.00.0
Other payment instruments napnapnapnapnap
Memo: Money remittances 4.74.44.2napnap
Daily average value of cashless payments
 (USD millions)
Credit transfers 158,414167,272168,048177,702199,350
Direct debits 10,70011,63311,64712,42213,888
Cheques 337291222158125
Card and e-money payments: Total value 8681,0181,0781,1391,277
Card and e-money payments: By card with a debit function 564665711836935
Card and e-money payments:
  By card with a delayed debit function 		281325337276311
Card and e-money payments: By card with a credit function 2125272428
Card and e-money payments: E-money payments 23333
Other payment instruments napnapnapnapnap
Memo: Money remittances 471478440napnap
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)2,6082,5452,4441,9151,735
With cards issued inside the country:
  Increase in total volume
 (% change on previous year)		-2.9-2.4-3.9-21.6-9.4
With cards issued inside the country:
  Average volume per inhabitant (units)		3231292321
With cards issued inside the country:
  Daily average volume (units)		7,145,4886,971,7896,696,9265,247,3674,752,403
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 2,3462,2842,1921,6981,531
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		2,2932,2282,1321,6651,493
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		5356603338
Memo: Cash withdrawals at locations inside the country 2,3352,2702,1731,6891,516
Cash withdrawals with cards issued outside the country 424241navnav
Cash deposits at locations inside and outside the country 259257249216203
Cash deposits with cards issued inside the country at locations
  inside the country 		259257249216203
E-money loading/unloading transactions 32210
Relative importance of withdrawals/deposits,
 in volume of transactions
 (%)
Cash withdrawals with cards issued inside the country 89.989.889.788.688.2
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		87.987.687.286.986.1
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		2.02.22.51.72.2
Cash withdrawals:total 9.910.110.211.311.7
Cash deposits with cards issued inside the country at locations
  inside the country 		9.910.110.211.311.7
E-money loading/unloading transactions 0.10.10.10.10.0
Increase in the volume of withdrawals/deposits
 (% change on previous year)
Cash withdrawals with cards issued inside the country -3.0-2.6-4.0-22.6-9.8
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		-3.1-2.8-4.3-21.9-10.3
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		1.86.67.2-45.114.0
Memo: Cash withdrawals at locations inside the country -3.0-2.8-4.3-22.3-10.3
Cash withdrawals with cards issued outside the country 2.50.2-1.9navnav
Cash withdrawals:total -2.4-0.6-3.0-13.5-6.0
Cash deposits with cards issued inside the country at locations
  inside the country 		-2.4-0.6-3.0-13.5-6.0
E-money loading/unloading transactions nav-18.0-11.1-44.7-55.5
Volume of withdrawals/deposits per inhabitant
 (units)
Cash withdrawals with cards issued inside the country 2828262018
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		2827262018
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		11100
Cash withdrawals:total 33332
Cash deposits with cards issued inside the country at locations
  inside the country 		33332
E-money loading/unloading transactions 00000
Daily average volume of withdrawals/deposits
 (thousands)
Cash withdrawals with cards issued inside the country 6,4276,2596,0064,6514,194
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		6,2836,1055,8414,5614,090
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		14515416591103
Memo: Cash withdrawals at locations inside the country 6,3976,2205,9534,6284,153
Cash withdrawals with cards issued outside the country 115115113navnav
Cash withdrawals:total 709705683591555
Cash deposits with cards issued inside the country at locations
  inside the country 		709705683591555
E-money loading/unloading transactions 76531
Value of withdrawals/deposits
Total value (USD millions)1,097,0481,131,0631,050,097918,796919,220
Increase in the real value
 (% change on previous year, adjusted by CPI inflation)		-3.01.3-8.5-12.9-3.0
Average value per transaction (USD)421444430480530
Average value per inhabitant (USD)13,27213,64312,63811,04811,049
Total value as a ratio to GDP (%)29.828.527.023.721.6
Daily average value (USD millions)3,0063,0992,8772,5172,518
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 678,420700,007653,721573,372574,010
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		667,021687,475640,920565,454564,641
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		11,39912,53112,8017,9189,369
Memo: Cash withdrawals at locations inside the country 674,613695,371648,344570,965570,312
Cash withdrawals with cards issued outside the country 7,5927,8967,424navnav
Cash deposits at locations inside and outside the country 418,499430,935396,273345,349345,156
Cash deposits with cards issued inside the country at locations
  inside the country 		418,499430,935396,273345,349345,156
E-money loading/unloading transactions 9986704623
Relative importance of withdrawals/deposits, in value of transactions
 (%)
Cash withdrawals with cards issued inside the country 61.861.962.362.462.4
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		60.860.861.061.561.4
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		1.01.11.20.91.0
Cash withdrawals:total 38.138.137.737.637.5
Cash deposits with cards issued inside the country at locations
  inside the country 		38.138.137.737.637.5
E-money loading/unloading transactions 0.00.00.00.00.0
Increase in the real value of withdrawals/deposits
 (% change on previous year, adjusted by CPI inflation)
Cash withdrawals with cards issued inside the country -2.71.4-7.9-12.7-2.9
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		-2.81.3-8.1-12.2-3.2
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		4.08.10.7-38.514.7
Memo: Cash withdrawals at locations inside the country -2.81.3-8.1-12.4-3.2
Cash withdrawals with cards issued outside the country 0.12.2-7.3navnav
Cash withdrawals:total -3.51.2-9.4-13.3-3.1
Cash deposits with cards issued inside the country at locations
  inside the country 		-3.51.2-9.4-13.3-3.1
E-money loading/unloading transactions nav-14.9-19.8-35.0-51.5
Value withdrawals/deposits per transaction
 (USD)
Cash withdrawals with cards issued inside the country 289306298338375
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		291309301340378
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		216223212239248
Memo: Cash withdrawals at locations inside the country 289306298338376
Cash withdrawals with cards issued outside the country 181188181navnav
Cash withdrawals:total 1,6171,6761,5891,6001,702
Cash deposits with cards issued inside the country at locations
  inside the country 		1,6171,6761,5891,6001,702
E-money loading/unloading transactions 3840374449
Average value of withdrawals/deposits per inhabitant
 (USD)
Cash withdrawals with cards issued inside the country 8,2088,4437,8676,8956,899
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		8,0708,2927,7136,8006,787
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		13815115495113
Cash withdrawals:total 5,0635,1984,7694,1534,149
Cash deposits with cards issued inside the country at locations
  inside the country 		5,0635,1984,7694,1534,149
E-money loading/unloading transactions 11110
Value of withdrawals/deposits as a ratio to GDP
 (%)
Cash withdrawals with cards issued inside the country 18.417.616.814.813.5
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		18.117.316.514.613.3
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		0.30.30.30.20.2
Cash withdrawals:total 11.410.910.28.98.1
Cash deposits with cards issued inside the country at locations
  inside the country 		11.410.910.28.98.1
E-money loading/unloading transactions 0.00.00.00.00.0
Daily average value of withdrawals/deposits
 (USD millions)
Cash withdrawals with cards issued inside the country 1,8591,9181,7911,5711,573
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		1,8271,8831,7561,5491,547
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		3134352226
Memo: Cash withdrawals at locations inside the country 1,8481,9051,7761,5641,562
Cash withdrawals with cards issued outside the country 212220navnav
Cash withdrawals:total 1,1471,1811,086946946
Cash deposits with cards issued inside the country at locations
  inside the country 		1,1471,1811,086946946
E-money loading/unloading transactions 00000
Number of cards
 (thousands)
Total 156,985159,378164,760174,075174,208
With a cash function 151,014153,977159,106161,710159,855
With a debit function 109,312111,551115,665118,392121,332
With a delayed debit function 29,77230,22131,55234,73532,652
With a credit function 5,2805,6775,7315,8395,787
With an e-money function 78,62877,20777,44967,44451,580
Total number of cards: of which: contactless napnapnapnapnap
Total number of cards: of which: issued by a non-bank 2,8553,0183,1587,5257,801
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 0.91.53.45.70.1
With a cash function 0.82.03.31.6-1.1
With a debit function 0.32.03.72.42.5
With a delayed debit function 3.61.54.410.1-6.0
With a credit function 5.87.51.01.9-0.9
With an e-money function -9.4-1.80.3-12.9-23.5
Total number of cards: of which: contactless napnapnapnapnap
Total number of cards: of which: issued by a non-bank 4.15.74.6138.33.7
Total number of cards:
  of which: able to initiate device-not-present payments 		napnapnapnapnap
Number of cards per inhabitant
 (units)
Total 1.901.921.982.092.09
With a cash function 1.831.861.911.941.92
With a debit function 1.321.351.391.421.46
With a delayed debit function 0.360.360.380.420.39
With a credit function 0.060.070.070.070.07
With an e-money function 0.950.930.930.810.62
Total number of cards: of which: contactless napnapnapnapnap
Total number of cards: of which: issued by a non-bank 0.030.040.040.090.09
Total number of cards:
  of which: able to initiate device-not-present payments 		napnapnapnapnap
Number of terminals
 (thousands)
POS terminals 1,2071,1791,1471,1761,243
EFTPOS terminals: total 816840871904973
EFTPOS terminals: contactless napnapnapnapnap
ATMs: total 8586858481
ATMs: cash withdrawal 5859585755
ATMs: cash deposit napnapnapnapnap
ATMs: credit transfer 2828272625
ATMs: contactless napnapnapnapnap
Terminals located in the country: increase in the number of terminals
 (% change on previous year)
POS terminals 5.7-2.3-2.82.55.7
EFTPOS terminals: total 2.52.93.73.77.6
EFTPOS terminals: contactless napnapnapnapnap
ATMs: total -1.11.1-0.8-1.9-3.3
ATMs: cash withdrawal -1.41.1-0.6-2.3-3.2
ATMs: cash deposit napnapnapnapnap
ATMs: credit transfer -0.00.2-4.2-1.9-4.5
ATMs: contactless napnapnapnapnap
Number of terminals per inhabitant
 (units)
POS terminals 0.0150.0140.0140.0140.015
EFTPOS terminals: total 0.0100.0100.0100.0110.012
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