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
« ‹ 2020 › »	2016	2017	2018	2019	2020
	2016	2017	2018	2019	2020
PART A: Volume of cashless payments
Total volume of cashless payments ¹	19,931	21,009	22,287	23,885	26,053
Breakdown of 'total volume of cashless payments' by instrument type
Credit transfers ²	6,186	6,299	6,468	6,677	6,892
Breakdown of 'credit transfers' into domestic and cross-border sent
Domestic	6,042	6,133	6,266	6,442	6,587
Cross-border sent	144	165	202	236	305
Memo: cross-border received	129	182	187	203	264
Breakdown of 'credit transfers' by device presence/absence
Device-present: paper-based	570	521	483	451	404
Device-present: other	5,616	5,777	5,985	6,226	6,488
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	9,647	10,176	10,474	10,870	11,607
Breakdown of 'direct debits' into domestic and cross-border sent
Domestic	9,599	10,086	10,354	10,674	11,244
Cross-border sent	48	90	120	196	363
Memo: cross-border received	165	220	266	305	349
Cheques	18	13	10	8	6
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	4,081	4,522	5,335	6,329	7,547
Breakdown of 'card and e-money payments' by function
By card with a debit function	2,963	3,275	3,914	4,716	5,911
By card with a delayed debit function	984	1,101	1,260	1,435	1,469
By card with a credit function	96	110	126	145	140
E-money payments	37	36	35	33	27
Partial breakdown of 'card and e-money payments' by device presence/absence
Of which: device-present payments ⁴	3,522	3,864	4,560	5,423	6,556
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	3,427	3,734	4,428	5,273	6,555
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	32	29	27	25	20
Cross-border sent	653	788	907	1,057	992
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	344	428	453	425	468
MEMO: Money remittances	nav	nav	nav	nav	nav
PART B: Volume of withdrawal/deposit transactions
Total volume of withdrawals/deposits	2,674	2,594	2,545	2,444	1,913
Breakdown of 'total volume of withdrawals/deposits' into withdrawals and deposits
Cash withdrawals	2,404	2,332	2,284	2,192	1,696
Breakdown of 'cash withdrawals' by withdrawal location
Cash withdrawals with cards issued inside the country at locations inside the country	2,353	2,279	2,228	2,132	1,663
Breakdown of 'cash withdrawals with cards issued inside the country at locations inside the country' by terminal type
At ATMs	2,163	2,115	2,084	2,006	1,572
At POS terminals	6	6	5	6	4
At bank branches, without the use of an ATM	184	158	139	120	86
Cash withdrawals with cards issued inside the country at locations outside the country	51	52	56	60	33
Memo: Cash withdrawals with cards issued outside the country at locations inside the country	34	35	42	41	25
Memo: Cash withdrawals with cards issued inside and outside the country at locations inside the country	2,387	2,314	2,270	2,173	1,688
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	2,197	2,150	2,126	2,047	1,597
Partial breakdown of 'cash withdrawals' by terminal type
Of which: at ATMs	2,214	2,167	2,140	2,066	1,605
Cash deposits	265	259	257	249	216
Partial breakdown of 'cash deposits' by deposit location
Of which: cash deposits with cards issued inside the country at locations inside the country	265	259	257	249	216
E-money loading/unloading transactions ⁷	nav	3	2	2	1

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.