BIS Statistics Explorer: Table T5

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T5: Volume of cashless payments and withdrawal/deposit transactions

(millions; total for the year)

«Germany»	Year
« ‹ 2017 › »	2013	2014	2015	2016	2017
	2013	2014	2015	2016	2017
PART A: Volume of cashless payments
Total volume of cashless payments ¹	19,590	17,620	19,370	19,931	20,897
Breakdown of 'total volume of cashless payments' by instrument type
Credit transfers ²	6,217	5,633	6,020	6,186	6,299
Breakdown of 'credit transfers' into domestic and cross-border sent
Domestic	nap	5,507	5,888	6,042	6,133
Cross-border sent	nap	126	132	144	165
Memo: cross-border received	nap	103	120	129	182
Breakdown of 'credit transfers' by device presence/absence
Device-present: paper-based	816	623	612	570	521
Device-present: other	5,401	5,010	5,407	5,616	5,777
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	9,676	8,489	9,606	9,647	10,064
Breakdown of 'direct debits' into domestic and cross-border sent
Domestic	nap	8,453	9,566	9,599	9,974
Cross-border sent	nap	37	40	48	90
Memo: cross-border received	nap	65	109	165	220
Cheques	31	30	21	18	13
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	3,665	3,468	3,723	4,081	4,522
Breakdown of 'card and e-money payments' by function
By card with a debit function	2,885	2,595	2,723	2,963	3,275
By card with a delayed debit function	682	762	879	984	1,101
By card with a credit function	66	76	89	96	110
E-money payments	32	34	32	37	36
Partial breakdown of 'card and e-money payments' by device presence/absence
Of which: device-present payments ⁴	nap	3,083	3,293	3,522	3,864
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	nav	3,055	3,127	3,427	3,734
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	nap	33	31	32	29
Cross-border sent	nav	413	596	653	788
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	nav	236	290	344	428
MEMO: Money remittances	nav	nav	nav	nav	nav
PART B: Volume of withdrawal/deposit transactions
Total volume of withdrawals/deposits	2,675	2,578	2,692	2,687	2,608
Breakdown of 'total volume of withdrawals/deposits' into withdrawals and deposits
Cash withdrawals	2,396	2,309	2,422	2,418	2,346
Breakdown of 'cash withdrawals' by withdrawal location
Cash withdrawals with cards issued inside the country at locations inside the country	2,396	2,273	2,373	2,366	2,293
Breakdown of 'cash withdrawals with cards issued inside the country at locations inside the country' by terminal type
At ATMs	2,115	2,031	2,161	2,176	2,129
At POS terminals	nav	7	7	6	6
At bank branches, without the use of an ATM	238	236	205	184	158
Cash withdrawals with cards issued inside the country at locations outside the country	nav	36	49	52	53
Memo: Cash withdrawals with cards issued outside the country at locations inside the country	nav	33	27	41	42
Memo: Cash withdrawals with cards issued inside and outside the country at locations inside the country	2,396	2,306	2,400	2,407	2,335
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	2,115	2,064	2,189	2,217	2,171
Partial breakdown of 'cash withdrawals' by terminal type
Of which: at ATMs	2,115	2,067	2,210	2,228	2,182
Cash deposits	272	263	266	265	259
Partial breakdown of 'cash deposits' by deposit location
Of which: cash deposits with cards issued inside the country at locations inside the country	272	263	266	265	259
E-money loading/unloading transactions ⁷	7	nav	nav	nav	3

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.