BIS Statistics Explorer: Table T5

> CPMI > Table T5 ÷ T4 « » T6 Structure Help

T5: Volume of cashless payments and withdrawal/deposit transactions

(millions; total for the year)

«Germany»	Year
« ‹ 2021 › »	2017	2018	2019	2020	2021
	2017	2018	2019	2020	2021
PART A: Volume of cashless payments
Total volume of cashless payments ¹	20,897	22,028	23,594	25,762	27,248
Breakdown of 'total volume of cashless payments' by instrument type
Credit transfers ²	6,299	6,468	6,677	6,898	7,129
Breakdown of 'credit transfers' into domestic and cross-border sent
Domestic	6,133	6,266	6,442	6,589	6,737
Cross-border sent	165	202	236	309	392
Memo: cross-border received	182	187	203	265	329
Breakdown of 'credit transfers' by device presence/absence
Device-present: paper-based	521	483	451	404	370
Device-present: other	5,777	5,985	6,226	6,494	6,759
Partial breakdown of 'credit transfers, device-present: other' by accepting device
Of which: at POS terminals	nav	nav	nav	nav	nav
Device-not-present	nav	nav	nav	nav	nav
Direct debits ²	10,064	10,215	10,579	11,301	11,831
Breakdown of 'direct debits' into domestic and cross-border sent
Domestic	9,974	10,095	10,383	10,937	11,350
Cross-border sent	90	120	196	363	481
Memo: cross-border received	220	266	305	349	407
Cheques	13	10	8	6	5
Partial breakdown of 'cheques'
Of which: paper-based	nav	nav	nav	nav	nav
Other payment instruments	nav	nav	nav	nav	nav
Card and e-money payments (with cards and e-money issued inside the country) ³	4,522	5,335	6,329	7,557	8,283
Breakdown of 'card and e-money payments' by function
By card with a debit function	3,275	3,914	4,716	5,916	6,534
By card with a delayed debit function	1,101	1,260	1,435	1,470	1,563
By card with a credit function	110	126	145	143	162
E-money payments	36	35	33	27	24
Partial breakdown of 'card and e-money payments' by device presence/absence
Of which: device-present payments ⁴	3,864	4,560	5,423	6,564	7,115
Partial breakdown of 'card and e-money payments, device-present' by technology
Of which: contactless	nav	nav	nav	nav	nav
Of which: magstripe	nav	nav	nav	nav	nav
Breakdown of 'card and e-money payments' into domestic and cross-border
Domestic	3,734	4,428	5,273	6,563	7,088
Breakdown of 'card and e-money payments, domestic' by function
By card with a debit function	nav	nav	nav	nav	nav
By card with a delayed debit function	nav	nav	nav	nav	nav
By card with a credit function	nav	nav	nav	nav	nav
E-money payments	29	27	25	20	17
Cross-border sent	788	907	1,057	994	1,195
MEMO: Card and e-money payments at terminals inside the country (with cards and e-money issued inside and outside country) ⁵	nav	nav	nav	nav	nav
Breakdown of 'card and e-money payments at terminals inside the country' by function
By card with a debit function	nav	nav	nav	nav	nav
By card with a delayed debit function	nav	nav	nav	nav	nav
By card with a credit function	nav	nav	nav	nav	nav
E-money payments ⁶	nav	nav	nav	nav	nav
Partial breakdown of 'card and e-money payments at terminals inside the country' by device presence/absence
Of which: device-present payments ⁵	nav	nav	nav	nav	nav
Partial breakdown down of 'card and e-money payments at terminals inside the country, device-present payments' by technology
Of which: contactless	nav	nav	nav	nav	nav
Of which: magstripe	nav	nav	nav	nav	nav
Partial breakdown of 'card and e-money payments at terminals inside the country' by location of the card issuer
Of which: at terminals inside the country with cards and e-money issued outside the country	nav	nav	nav	nav	nav
Partial breakdown of 'total volume of cashless payments' by speed
Of which: fast payments	nav	nav	nav	nav	nav
Breakdown of 'fast payments' by instrument type
Credit transfers	nav	nav	nav	nav	nav
Direct debits	nav	nav	nav	nav	nav
Others	nav	nav	nav	nav	nav
Partial breakdown of 'fast payments' on-us
Of which: on-us	nav	nav	nav	nav	nav
Partial breakdown of 'fast payments' by initiation device
Of which: initiated at a POS	nav	nav	nav	nav	nav
Partial breakdown of 'total volume of cashless payments' by issuer
Of which: issued by a non-bank	428	453	425	469	455
MEMO: Money remittances	nav	nav	nav	nav	nav
PART B: Volume of withdrawal/deposit transactions
Total volume of withdrawals/deposits	2,608	2,545	2,444	1,915	1,735
Breakdown of 'total volume of withdrawals/deposits' into withdrawals and deposits
Cash withdrawals	2,346	2,284	2,192	1,698	1,531
Breakdown of 'cash withdrawals' by withdrawal location
Cash withdrawals with cards issued inside the country at locations inside the country	2,293	2,228	2,132	1,665	1,493
Breakdown of 'cash withdrawals with cards issued inside the country at locations inside the country' by terminal type
At ATMs	2,129	2,084	2,006	1,574	1,415
At POS terminals	6	5	6	4	4
At bank branches, without the use of an ATM	158	139	120	86	74
Cash withdrawals with cards issued inside the country at locations outside the country	53	56	60	33	38
Memo: Cash withdrawals with cards issued outside the country at locations inside the country	42	42	41	nav	nav
Memo: Cash withdrawals with cards issued inside and outside the country at locations inside the country	2,335	2,270	2,173	1,689	1,516
Partial breakdown of the memo item 'cash withdrawals with cards issued inside and outside the country at locations inside the country' by terminal type
Of which: at ATMs	2,171	2,126	2,047	1,599	1,438
Partial breakdown of 'cash withdrawals' by terminal type
Of which: at ATMs	2,182	2,140	2,066	1,607	1,453
Cash deposits	259	257	249	216	203
Partial breakdown of 'cash deposits' by deposit location
Of which: cash deposits with cards issued inside the country at locations inside the country	259	257	249	216	203
E-money loading/unloading transactions ⁷	3	2	2	1	0

¹ Includes transactions of national non-banks, irrespective of whether they are processed on an intra- or interbank basis. Includes both national and cross-border transactions. ² Simple book entries are included until reference period 2013. ³ Payments with delayed debit and credit cards include transactions with specific non-rechargeable retailer cards. Direct debits initiated by a payment card (known as "ELV" transactions) are included here up to 2013. Since reference period 2014 direct debits initiated by a payment card are included in direct debits. ⁴ Includes only card payments. ⁵ Regardless of the type of card used. ⁶ Due to a methodological break the figures for the years prior to 2014 published in previous Red Book publications are not anymore comparable with the ones published in this Red Book publication. ⁷ Up to reference period 2013 only E-money-card loading transactions are included.