Most used in-store (POS) payment methods in Germany 2017-2024, with 2030 forecast

Published by
Raynor de Best
,
May 16, 2025

The share of cash in Germany declined, whilst credit cards became more popular since the coronavirus pandemic. Cash was one of the most popular method used for POS transactions in Germany throughout these years, accounting for 35 percent of transactions in 2024. However, this is a decline from 2017, when it accounted for over half of payments (55 percent). It might be that cash became drastically less popular in 2020 due to the COVID-19 pandemic. In neighboring country the Netherlands, for instance, contactless payments became significantly more important during the first half of 2020.

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Market share of cash, credit cards, and other payment methods at point of sale (POS) in Germany from 2017 to 2024, with a forecast for 2030

Characteristic20172019202020212022202320242030
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Showing entries 1 to 11 (11 entries in total)

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Sources

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Release date

March 2025

Region

Germany

Survey time period

2017 to 2024

Special properties

* The source changed its categories in 2021 and 2024, see the "Details" tab for more information.

Supplementary notes

In 2022, the source stated it made two changes to the categories used in previous years. These include a combination of "credit cards" with "charge/deferred debit cards" and the split of BNPL from "POS financing" (which itself was added as a new category in 2020). The latter change was made to atone for the "growing importance of BNPL". This seems to have been reverted in 2023 - for the year 2022.

In 2024, the "debit card" and "prepaid card" categories were combined into a single category called "Debit and Prepaid Cards".

The figures have been taken from several publications. No figures were available for 2018 as the source did not release any reports that year.

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Statistics on " Digital payment types in Germany "

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Market share

6

Penetration

8

Biggest brands

7

Users

6

Transaction value

7

Number of transactions

5

Miscellaneous

7

Further related statistics

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