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
« ‹ 2018 › »	2014	2015	2016	2017	2018
	2014	2015	2016	2017	2018
PART A: Volume of cashless payments
Total volume of cashless payments ¹	17,620	19,370	19,931	20,897	22,028
Breakdown of 'total volume of cashless payments' by instrument type
Credit transfers ²	5,633	6,020	6,186	6,299	6,468
Breakdown of 'credit transfers' into domestic and cross-border sent
Domestic	5,507	5,888	6,042	6,133	6,266
Cross-border sent	126	132	144	165	202
Memo: cross-border received	103	120	129	182	187
Breakdown of 'credit transfers' by device presence/absence
Device-present: paper-based	623	612	570	521	483
Device-present: other	5,010	5,407	5,616	5,777	5,985
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	8,489	9,606	9,647	10,064	10,215
Breakdown of 'direct debits' into domestic and cross-border sent
Domestic	8,453	9,566	9,599	9,974	10,095
Cross-border sent	37	40	48	90	120
Memo: cross-border received	65	109	165	220	266
Cheques	30	21	18	13	10
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	3,468	3,723	4,081	4,522	5,335
Breakdown of 'card and e-money payments' by function
By card with a debit function	2,595	2,723	2,963	3,275	3,914
By card with a delayed debit function	762	879	984	1,101	1,260
By card with a credit function	76	89	96	110	126
E-money payments	34	32	37	36	35
Partial breakdown of 'card and e-money payments' by device presence/absence
Of which: device-present payments ⁴	3,083	3,293	3,522	3,864	4,560
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	3,055	3,127	3,427	3,734	4,428
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	33	31	32	29	27
Cross-border sent	413	596	653	788	907
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	236	290	344	428	453
MEMO: Money remittances	nav	nav	nav	nav	nav
PART B: Volume of withdrawal/deposit transactions
Total volume of withdrawals/deposits	2,578	2,692	2,687	2,608	2,545
Breakdown of 'total volume of withdrawals/deposits' into withdrawals and deposits
Cash withdrawals	2,309	2,422	2,418	2,346	2,284
Breakdown of 'cash withdrawals' by withdrawal location
Cash withdrawals with cards issued inside the country at locations inside the country	2,273	2,373	2,366	2,293	2,228
Breakdown of 'cash withdrawals with cards issued inside the country at locations inside the country' by terminal type
At ATMs	2,031	2,161	2,176	2,129	2,084
At POS terminals	7	7	6	6	5
At bank branches, without the use of an ATM	236	205	184	158	139
Cash withdrawals with cards issued inside the country at locations outside the country	36	49	52	53	56
Memo: Cash withdrawals with cards issued outside the country at locations inside the country	33	27	41	42	42
Memo: Cash withdrawals with cards issued inside and outside the country at locations inside the country	2,306	2,400	2,407	2,335	2,270
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	2,064	2,189	2,217	2,171	2,126
Partial breakdown of 'cash withdrawals' by terminal type
Of which: at ATMs	2,067	2,210	2,228	2,182	2,140
Cash deposits	263	266	265	259	257
Partial breakdown of 'cash deposits' by deposit location
Of which: cash deposits with cards issued inside the country at locations inside the country	263	266	265	259	257
E-money loading/unloading transactions ⁷	nav	nav	nav	3	2

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.