In 2021, the share of the adult population in European countries that owned a debit card varied between 27 percent in Albania to as high as 99 percent in Denmark. This is according to a 3-year survey held across multiple countries. Interestingly, the usage of debit cards varies between the countries. The Netherlands, for example, had relatively more debit card owners than Sweden, but the Scandinavian country had more debit cards users among its population 15 years and up.
Entire civilian, noninstitutionalized population; The figures shown are from a global survey held every 3 years. The data for 2021 is the most recent available as of the mid of 2024.
Method of interview
Face-to-face interviews, telephone interviews
Supplementary notes
The questions were phrased by the source as follows:
"A/An [insert local terminology for ATM/debit card] is a card connected to an account at a financial institution that allows you to withdraw money, and the money is taken out of THAT ACCOUNT right away. Do you, personally, have a/an [insert local terminology for ATM/debit card]? Yes or no?"Â
"In the PAST 12 MONTHS, have you used your OWN [insert local terminology for ATM/debit card] DIRECTLY to make a purchase?"
"In the PAST 12 MONTHS, have you used your OWN [insert local terminology for ATM/debit card] DIRECTLY to pay for a purchase IN a store?"
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World Bank, & Statista. (June 29, 2022). Share of individuals who own a debit card in Europe in 2021, by country [Graph]. In Statista. Retrieved June 17, 2025, from https://www.statista.com/statistics/968803/debit-card-ownership-rate-european-countries/
World Bank, und Statista. "Share of individuals who own a debit card in Europe in 2021, by country." Chart. June 29, 2022. Statista. Accessed June 17, 2025. https://www.statista.com/statistics/968803/debit-card-ownership-rate-european-countries/
World Bank, Statista. (2022). Share of individuals who own a debit card in Europe in 2021, by country. Statista. Statista Inc.. Accessed: June 17, 2025. https://www.statista.com/statistics/968803/debit-card-ownership-rate-european-countries/
World Bank, and Statista. "Share of Individuals Who Own a Debit Card in Europe in 2021, by Country." Statista, Statista Inc., 29 Jun 2022, https://www.statista.com/statistics/968803/debit-card-ownership-rate-european-countries/
World Bank & Statista, Share of individuals who own a debit card in Europe in 2021, by country Statista, https://www.statista.com/statistics/968803/debit-card-ownership-rate-european-countries/ (last visited June 17, 2025)
Share of individuals who own a debit card in Europe in 2021, by country [Graph], World Bank, & Statista, June 29, 2022. [Online]. Available: https://www.statista.com/statistics/968803/debit-card-ownership-rate-european-countries/
