CTA1: Selected data from T1-T6
«Germany»
Year
« ‹ 2018 › »
20142015201620172018
Basic statistical data
GDP (USD bn)3,8833,3553,4683,6833,971
Population (thousands)80,98381,68782,34982,65782,906
GDP per capita (USD per inhabitant)47,94641,07642,11444,56047,893
CPI inflation (% change on previous year)0.90.50.51.51.7
Exchange rate (domestic currency vis-à-vis USD):
  end of year (Per USD)		0.8240.9190.9490.8340.873
Exchange rate (domestic currency vis-à-vis USD):
  average (Per USD)		0.7540.9020.9040.8870.848
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)110244458754695
Bank deposits held at the central bank:
  Value as a percentage of GDP (%)		3.17.413.919.218.0
Interbank deposits: Total value (USD bn)151137174206196
Interbank deposits: Value as a percentage of GDP (%)4.34.25.35.35.1
Institutions offering payment services/instruments
 (units)
Number of institutions: Total number 1,8571,8281,7561,6911,646
Number of institutions: Number per 1 million inhabitants 22.922.421.320.519.9
Number of branches or offices: Total number navnav32,10030,19227,953
Number of branches or offices:
  Number per 1 million inhabitants 		navnav389.8365.3337.2
Payment accounts held by end users
Total number of payment accounts (thousands)nav103,128105,807106,061108,152
Number of accounts per inhabitant (units)nav1111
Total value of payment accounts (USD bn)navnavnavnavnav
Value per inhabitant (USD)navnavnavnavnav
Value as a percentage of GDP (%)navnavnavnavnav
Use of payment services/instruments
Volume of cashless payments
Total volume of cashless payments (millions)17,62019,37019,93120,89722,028
Increase in the total volume of cashless payments
 (% change on previous year)		-10.19.92.94.85.4
Average number of cashless payments per inhabitant (units)218237242253266
Daily average volume of cashless payments (millions)4853555760
Volume of cashless payments by instrument type
 (millions)
Credit transfers 5,6336,0206,1866,2996,468
Direct debits 8,4899,6069,64710,06410,215
Cheques 3021181310
Card and e-money payments: Total volume 3,4683,7234,0814,5225,335
Card and e-money payments: By card with a debit function 2,5952,7232,9633,2753,914
Card and e-money payments:
  By card with a delayed debit function 		7628799841,1011,260
Card and e-money payments: By card with a credit function 768996110126
Card and e-money payments: E-money payments 3432373635
Other payment instruments napnapnapnapnap
Memo: Money remittances 78988
Relative importance of cashless payments, in volume of payments
 (% of total cashless payments)
Credit transfers 32.031.131.030.129.4
Direct debits 48.249.648.448.246.4
Cheques 0.20.10.10.10.0
Card and e-money payments: Total volume 19.719.220.521.624.2
Card and e-money payments: By card with a debit function 14.714.114.915.717.8
Card and e-money payments:
  By card with a delayed debit function 		4.34.54.95.35.7
Card and e-money payments: By card with a credit function 0.40.50.50.50.6
Card and e-money payments: E-money payments 0.20.20.20.20.2
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 -9.46.92.81.82.7
Direct debits -12.313.20.44.31.5
Cheques -4.6-28.4-18.2-26.6-18.3
Card and e-money payments: Total volume -5.47.49.610.818.0
Card and e-money payments: By card with a debit function -10.14.98.810.519.5
Card and e-money payments:
  By card with a delayed debit function 		11.915.311.911.914.5
Card and e-money payments: By card with a credit function 15.716.68.414.114.8
Card and e-money payments: E-money payments 7.1-4.913.8-3.5-2.4
Other payment instruments napnapnapnapnap
Memo: Money remittances nav14.44.3-4.1-0.2
Volume of cashless payments per inhabitant
 (units)
Credit transfers 69.673.775.176.278.0
Direct debits 104.8117.6117.1121.8123.2
Cheques 0.40.30.20.20.1
Card and e-money payments: Total volume 42.845.649.654.764.3
Card and e-money payments: By card with a debit function 32.033.336.039.647.2
Card and e-money payments:
  By card with a delayed debit function 		9.410.811.913.315.2
Card and e-money payments: By card with a credit function 0.91.11.21.31.5
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 15,43316,49216,94817,25617,721
Direct debits 23,25926,31826,43027,57227,985
Cheques 8259483529
Card and e-money payments: Total volume 9,50110,20011,18012,38814,616
Card and e-money payments: By card with a debit function 7,1107,4598,1198,97410,723
Card and e-money payments:
  By card with a delayed debit function 		2,0892,4082,6963,0163,453
Card and e-money payments: By card with a credit function 209244264301346
Card and e-money payments: E-money payments 93891019795
Other payment instruments napnapnapnapnap
Memo: Money remittances 2023242323
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)69,696,43560,405,47559,259,83562,166,09265,778,367
Cashless payments: Increase in the real value
 (% change on previous year, adjusted by CPI inflation)		-26.5-13.8-2.43.34.0
Cashless payments: Average value per cashless payment (USD)3,9553,1192,9732,9752,986
Cashless payments: Average value per inhabitant (USD)860,630739,475719,618752,097793,409
Cashless payments: Value as a ratio to GDP (%)1,795.01,800.31,708.71,687.81,656.6
Cashless payments: Daily average value (USD millions)190,949165,494162,356170,318180,215
Value of cashless payments by instrument type
 (USD millions)
Credit transfers 64,793,14455,837,04754,921,85757,821,00161,054,294
Direct debits 4,364,7004,123,4963,885,5393,905,3394,246,170
Cheques 226,102171,891167,022123,031106,284
Card and e-money payments: Total value 312,489273,041285,418316,722371,618
Card and e-money payments: By card with a debit function 201,899177,956184,902205,685242,784
Card and e-money payments:
  By card with a delayed debit function 		103,49088,07093,036102,472118,648
Card and e-money payments: By card with a credit function 6,5516,4496,6577,6629,185
Card and e-money payments: E-money payments 5495678218971,000
Other payment instruments napnapnapnapnap
Memo: Money remittances 206,323172,569171,867171,815174,476
Relative importance of cashless payments, in value of payments
 (% of total cashless payments)
Credit transfers 93.092.492.793.092.8
Direct debits 6.36.86.66.36.5
Cheques 0.30.30.30.20.2
Card and e-money payments: Total value 0.40.50.50.50.6
Card and e-money payments: By card with a debit function 0.30.30.30.30.4
Card and e-money payments:
  By card with a delayed debit function 		0.10.10.20.20.2
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 0.30.30.30.30.3
Increase in the real value of cashless payments
 (% change on previous year, adjusted by CPI inflation)
Credit transfers -15.1-14.3-2.13.73.8
Direct debits -75.6-6.0-6.2-1.06.9
Cheques -16.2-24.4-3.3-27.4-15.1
Card and e-money payments: Total value 4.2-13.14.09.315.3
Card and e-money payments: By card with a debit function -7.6-12.33.49.616.0
Card and e-money payments:
  By card with a delayed debit function 		37.8-15.45.18.513.8
Card and e-money payments: By card with a credit function 9.8-2.12.713.417.8
Card and e-money payments: E-money payments 279.32.844.17.69.6
Other payment instruments napnapnapnapnap
Memo: Money remittances nav-16.8-0.9-1.5-0.2
Average value of cashless payments per payment
 (USD)
Credit transfers 11,5029,2768,8789,1809,439
Direct debits 514429403388416
Cheques 7,5688,0349,5389,57610,129
Card and e-money payments: Total value 9073707070
Card and e-money payments: By card with a debit function 7865626362
Card and e-money payments:
  By card with a delayed debit function 		136100959394
Card and e-money payments: By card with a credit function 8672697073
Card and e-money payments: E-money payments 1618222529
Other payment instruments napnapnapnapnap
Memo: Money remittances 28,33720,71719,78720,61620,983
Average value of cashless payments per inhabitant
 (USD)
Credit transfers 800,083683,549666,940699,529736,428
Direct debits 53,89750,47947,18447,24851,217
Cheques 2,7922,1042,0281,4881,282
Card and e-money payments: Total value 3,8593,3433,4663,8324,482
Card and e-money payments: By card with a debit function 2,4932,1792,2452,4882,928
Card and e-money payments:
  By card with a delayed debit function 		1,2781,0781,1301,2401,431
Card and e-money payments: By card with a credit function 81798193111
Card and e-money payments: E-money payments 77101112
Other payment instruments napnapnapnapnap
Memo: Money remittances 2,5482,1132,0872,0792,105
Value of cashless payments as a ratio to GDP
 (%)
Credit transfers 1,668.71,664.11,583.71,569.81,537.6
Direct debits 112.4122.9112.0106.0106.9
Cheques 5.85.14.83.32.7
Card and e-money payments: Total value 8.08.18.28.69.4
Card and e-money payments: By card with a debit function 5.25.35.35.66.1
Card and e-money payments:
  By card with a delayed debit function 		2.72.62.72.83.0
Card and e-money payments: By card with a credit function 0.20.20.20.20.2
Card and e-money payments: E-money payments 0.00.00.00.00.0
Other payment instruments napnapnapnapnap
Memo: Money remittances 5.35.15.04.74.4
Daily average value of cashless payments
 (USD millions)
Credit transfers 177,515152,978150,471158,414167,272
Direct debits 11,95811,29710,64510,70011,633
Cheques 619471458337291
Card and e-money payments: Total value 8567487828681,018
Card and e-money payments: By card with a debit function 553488507564665
Card and e-money payments:
  By card with a delayed debit function 		284241255281325
Card and e-money payments: By card with a credit function 1818182125
Card and e-money payments: E-money payments 22223
Other payment instruments napnapnapnapnap
Memo: Money remittances 565473471471478
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)2,5782,6922,6872,6082,545
With cards issued inside the country:
  Increase in total volume
 (% change on previous year)		-3.64.4-0.2-2.9-2.4
With cards issued inside the country:
  Average volume per inhabitant (units)		3233333231
With cards issued inside the country:
  Daily average volume (units)		7,062,9647,375,2937,362,1817,145,4886,971,789
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 2,3092,4222,4182,3462,284
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		2,2732,3732,3662,2932,228
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		3649525356
Memo: Cash withdrawals at locations inside the country 2,3062,4002,4072,3352,270
Cash withdrawals with cards issued outside the country 3327414242
Cash deposits at locations inside and outside the country 263266265259257
Cash deposits with cards issued inside the country at locations
  inside the country 		263266265259257
E-money loading/unloading transactions navnavnav32
Relative importance of withdrawals/deposits,
 in volume of transactions
 (%)
Cash withdrawals with cards issued inside the country 89.690.090.089.989.8
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		88.288.188.187.987.6
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		1.41.81.92.02.2
Cash withdrawals:total 10.29.99.99.910.1
Cash deposits with cards issued inside the country at locations
  inside the country 		10.29.99.99.910.1
E-money loading/unloading transactions navnavnav0.10.1
Increase in the volume of withdrawals/deposits
 (% change on previous year)
Cash withdrawals with cards issued inside the country -3.64.9-0.2-3.0-2.6
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		-5.14.4-0.3-3.1-2.8
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		nav36.26.11.86.6
Memo: Cash withdrawals at locations inside the country -3.84.10.3-3.0-2.8
Cash withdrawals with cards issued outside the country nav-16.349.32.50.2
Cash withdrawals:total -3.41.0-0.1-2.4-0.6
Cash deposits with cards issued inside the country at locations
  inside the country 		-3.41.0-0.1-2.4-0.6
E-money loading/unloading transactions navnavnavnav-18.0
Volume of withdrawals/deposits per inhabitant
 (units)
Cash withdrawals with cards issued inside the country 2930292828
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		2829292827
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		01111
Cash withdrawals:total 33333
Cash deposits with cards issued inside the country at locations
  inside the country 		33333
E-money loading/unloading transactions navnavnav00
Daily average volume of withdrawals/deposits
 (thousands)
Cash withdrawals with cards issued inside the country 6,3276,6356,6256,4276,259
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		6,2286,5016,4836,2836,105
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		98134142145154
Memo: Cash withdrawals at locations inside the country 6,3186,5766,5956,3976,220
Cash withdrawals with cards issued outside the country 9075112115115
Cash withdrawals:total 720727727709705
Cash deposits with cards issued inside the country at locations
  inside the country 		720727727709705
E-money loading/unloading transactions navnavnav76
Value of withdrawals/deposits
Total value (USD millions)1,290,2881,133,2981,114,2921,097,0481,131,063
Increase in the real value
 (% change on previous year, adjusted by CPI inflation)		-22.2-12.6-2.2-3.01.3
Average value per transaction (USD)501421415421444
Average value per inhabitant (USD)15,93313,87413,53113,27213,643
Total value as a ratio to GDP (%)33.233.832.129.828.5
Daily average value (USD millions)3,5353,1053,0533,0063,099
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 780,921686,742686,892678,420700,007
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		772,020676,490676,097667,021687,475
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		8,90110,25110,79511,39912,531
Memo: Cash withdrawals at locations inside the country 779,864681,707683,568674,613695,371
Cash withdrawals with cards issued outside the country 7,8445,2177,4717,5927,896
Cash deposits at locations inside and outside the country 509,103446,383427,250418,499430,935
Cash deposits with cards issued inside the country at locations
  inside the country 		509,103446,383427,250418,499430,935
E-money loading/unloading transactions navnavnav9986
Relative importance of withdrawals/deposits, in value of transactions
 (%)
Cash withdrawals with cards issued inside the country 60.560.661.661.861.9
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		59.859.760.760.860.8
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		0.70.91.01.01.1
Cash withdrawals:total 39.539.438.338.138.1
Cash deposits with cards issued inside the country at locations
  inside the country 		39.539.438.338.138.1
E-money loading/unloading transactions navnavnav0.00.0
Increase in the real value of withdrawals/deposits
 (% change on previous year, adjusted by CPI inflation)
Cash withdrawals with cards issued inside the country -10.3-12.5-0.5-2.71.4
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		-11.3-12.8-0.5-2.81.3
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		nav14.54.84.08.1
Memo: Cash withdrawals at locations inside the country -10.4-13.1-0.2-2.81.3
Cash withdrawals with cards issued outside the country nav-33.842.50.12.2
Cash withdrawals:total -35.4-12.8-4.8-3.51.2
Cash deposits with cards issued inside the country at locations
  inside the country 		-35.4-12.8-4.8-3.51.2
E-money loading/unloading transactions navnavnavnav-14.9
Value withdrawals/deposits per transaction
 (USD)
Cash withdrawals with cards issued inside the country 338284284289306
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		340285286291309
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		248210208216223
Memo: Cash withdrawals at locations inside the country 338284284289306
Cash withdrawals with cards issued outside the country 240191183181188
Cash withdrawals:total 1,9371,6811,6111,6171,676
Cash deposits with cards issued inside the country at locations
  inside the country 		1,9371,6811,6111,6171,676
E-money loading/unloading transactions navnavnav3840
Average value of withdrawals/deposits per inhabitant
 (USD)
Cash withdrawals with cards issued inside the country 9,6438,4078,3418,2088,443
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		9,5338,2818,2108,0708,292
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		110125131138151
Cash withdrawals:total 6,2875,4655,1885,0635,198
Cash deposits with cards issued inside the country at locations
  inside the country 		6,2875,4655,1885,0635,198
E-money loading/unloading transactions navnavnav11
Value of withdrawals/deposits as a ratio to GDP
 (%)
Cash withdrawals with cards issued inside the country 20.120.519.818.417.6
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		19.920.219.518.117.3
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		0.20.30.30.30.3
Cash withdrawals:total 13.113.312.311.410.9
Cash deposits with cards issued inside the country at locations
  inside the country 		13.113.312.311.410.9
E-money loading/unloading transactions navnavnav0.00.0
Daily average value of withdrawals/deposits
 (USD millions)
Cash withdrawals with cards issued inside the country 2,1401,8811,8821,8591,918
Cash withdrawals with cards issued inside the country:
  at locations inside the country 		2,1151,8531,8521,8271,883
Cash withdrawals with cards issued inside the country:
  at locations outside the country 		2428303134
Memo: Cash withdrawals at locations inside the country 2,1371,8681,8731,8481,905
Cash withdrawals with cards issued outside the country 2114202122
Cash withdrawals:total 1,3951,2231,1711,1471,181
Cash deposits with cards issued inside the country at locations
  inside the country 		1,3951,2231,1711,1471,181
E-money loading/unloading transactions navnavnav00
Number of cards
 (thousands)
Total 148,348151,136155,586156,985159,378
With a cash function 144,283147,295149,884151,014153,977
With a debit function 104,100106,103108,951109,312111,551
With a delayed debit function 26,86228,24528,73329,77230,221
With a credit function 4,3924,9004,9925,2805,677
With an e-money function 95,55791,90886,74578,62877,207
Total number of cards: of which: contactless napnapnapnapnap
Total number of cards: of which: issued by a non-bank navnav2,7442,8553,018
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 3.71.92.90.91.5
With a cash function 5.12.11.80.82.0
With a debit function -1.01.92.70.32.0
With a delayed debit function 8.45.21.73.61.5
With a credit function 12.611.61.95.87.5
With an e-money function -3.4-3.8-5.6-9.4-1.8
Total number of cards: of which: contactless napnapnapnapnap
Total number of cards: of which: issued by a non-bank navnavnav4.15.7
Total number of cards:
  of which: able to initiate device-not-present payments 		napnapnapnapnap
Number of cards per inhabitant
 (units)
Total 1.831.851.891.901.92
With a cash function 1.781.801.821.831.86
With a debit function 1.291.301.321.321.35
With a delayed debit function 0.330.350.350.360.36
With a credit function 0.050.060.060.060.07
With an e-money function 1.181.131.050.950.93
Total number of cards: of which: contactless napnapnapnapnap
Total number of cards: of which: issued by a non-bank navnav0.030.030.04
Total number of cards:
  of which: able to initiate device-not-present payments 		napnapnapnapnap
Number of terminals
 (thousands)
POS terminals 1,1471,1291,1411,2071,179
EFTPOS terminals: total 766784796816840
EFTPOS terminals: contactless napnapnapnapnap
ATMs: total 8787868586
ATMs: cash withdrawal 5859595859
ATMs: cash deposit napnapnapnapnap
ATMs: credit transfer 2828282828
ATMs: contactless napnapnapnapnap
Terminals located in the country: increase in the number of terminals
 (% change on previous year)
POS terminals 54.3-1.61.15.7-2.3
EFTPOS terminals: total 3.12.31.52.52.9
EFTPOS terminals: contactless napnapnapnapnap
ATMs: total 4.8-0.1-0.8-1.11.1
ATMs: cash withdrawal 3.51.40.2-1.41.1
ATMs: cash deposit napnapnapnapnap
ATMs: credit transfer 1.5-0.30.5-0.00.2
ATMs: contactless napnapnapnapnap
Number of terminals per inhabitant
 (units)
POS terminals 0.0140.0140.0140.0150.014
EFTPOS terminals: total 0.0090.0100.0100.0100.010
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