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DIGITAL

&

TRENDSDigitalpaymenttypesinGermanyCHAPTER

01MarketshareShareofcashestimateatpointofsale(POS)inGermanyfrom2007to2021AnnuallevelofcashpaymentsinGermany2007-202190%83%82.2%81.6%79.4%78.2%76.9%80%70%60%50%40%30%20%10%0%74.4%71.6%71.7%70.9%68.5%65.7%62.8%58.3%56.7%2007200820092010201120122013201420152016201720182019202020214Description:TheuseofcashmoneyinGermanydecreasedinrecentyears,althoughmorethanhalfofallpaymenttransactionsweredonewithcashin2020.Thisaccordingtoestimationsbasedontheavailabledataregardingcashwithdrawalsandpaymenttransactions.Nodataexistsontheactualuseofcashmoney,outsideofsurveydiaries.Suchadiary,coveringconsumers'useofcashmoneyinshops,washeldinEuropeonlyonce,in2017.Asnotallpaymentdataisreadilyavailable,liketheuse[...]

ReadmoreNote(s):Germany;2007to2021;ThenumbersprovidedhavebeencalculatedbySource(s):DeutscheBundesbank;ECB;IMF;PYMNTSusingnumbersonATMandOTCwithdrawals.Seethe"Details"tabformoreinformationShareofcurrencyincirculation(CIC)tothenominalGDPofGermanyfrom2001to2022Annualcurrencyincirculation(CIC)toGDPratioofGermany2001-202212%10%10.69%10.56%10.16%9.35%8.93%8.72%8.7%

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20225Description:ThesizeofGermany'smoneymarketwasrelativelystablerecently,reachingroughly10percentofthecountry'sGDPin2022.Thisso-calledCIC/GDPratioroughlymeasurestheuseofcashinthecountry.Duetotheanonymityofcashtransactions,sourcesstruggletofindexactvolumesonthis.Theratiomentionedhereisquitepopularinthatregard,asthedataitneedsisrelativelyeasytofind.Someindustryexpertsmention,however,thatthisratioistoogeneralanddoesnotnecessarily[...]

ReadmoreNote(s):Germany;2001to2022;ThesourceonlyreportscashincirculationforEU-27countriesas"EuroArea-Wide-Residency"Source(s):IMF;WorldBankMarketshareofcash,creditcards,andotherpaymentmethodsatpointofsale(POS)inGermanyfrom2017to2023,withaforecastfor2027Mostusedin-store(POS)paymentmethodsinGermany2017-2023,with2027forecast201725%55%5%1%-201924%50%5%1%-202036%44%7%2%6%2%-202138%40%4%7%-202239%39%9%8%2%3%-202338%36%13%8%202733%29%26%7%DebitcardCashE-wallet,Digital/mobilewalletCreditcard(incl."chargecard"since2021)*POSfinancing*3%3%Prepaidcard--2%5%3%2%BuyNow,PayLater(splitofffrom"POSfinancing"in2021)*----Retailer/bankfinancing(splitofffrom"POSfinancing"in2021)*---3%-------Chargecard*12%11%4%6Description:TheshareofcashinGermanydeclined,whilstcreditcardsbecamemorepopularsincethecoronaviruspandemic.CashwasthemostpopularmethodusedforPOStransactionsinGermanythroughouttheseyears,accountingfor40percentoftransactionsin2021.However,thisisadeclinefrom2017,whenitaccountedforoverhalfofpayments(55percent).Itmightbethatcashbecamedrasticallylesspopularin2020duetotheCOVID-19pandemic.Inneighboringcountrythe[...]

ReadmoreNote(s):Germany;March2024;*Thesourcemadechangestoitscategoriesin2021,seethe"Details"tabformoreinformation.Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayPaymentsatpointsofsalebytypeinGermanyasofDecember2023PaymentsatpointsofsalebytypeinGermany2023Shareofrespondents0%10%20%30%40%50%60%70%80%Cash73%Debitcard56%CreditcardMobiledevice(e.g.,smartphone,smartwatch)Prepaidcard/vouchers32%19%12%Check4%3%2%IhavenotpaidatanypointofsaleOther7Description:"Cash"and"Debitcard"arethetoptwoanswersamongGermanconsumersinoursurveyonthesubjectof"Paymentsatpointsofsalebytype".ReadmoreNote(s):Germany;JanuarytoDecember2023;5985respondents;18-64yearsSource(s):ConsumerInsightsMarketshareofcash,creditcards,andotherpaymentmethodsduringonlineshoppinginGermanyfrom2016to2023,withaforecastfor2027Mostusede-commercepaymentmethodsinGermany2016-2023,with2027forecast201625%-201720%-201925%-202026%-202129%-202229%27%202332%24%202745%19%E-wallet,Digital/mobilewalletAccount-to-account(A2A)-incl."banktransfers"and"directdebit"since2022**Buynow,paylater(BNPL)Creditcard-incl."chargecard"since2021*Debitcard-14%4%-18%2%9%1%-18%10%2%4%1%1%-19%10%2%4%1%1%18%13%4%-20%13%2%5%1%1%16%13%-23%12%3%4%1%1%-21%11%5%19%8%5%2%1%Cashondelivery(CoD)Prepaidcard9%4%2%1%PrePay4%Directdebit**1%-Banktransfer**Chargecard*29%7%27%11%8%28%9%---E-invoices3%--8Description:BNPLwasGermany'sthird-mostusedpaymentmethodine-commercein2022,allbutreplacingcreditcards.Germanyhasseveralonlineshoppingappsavailable,someofwhichoffertheirownpaymentmethods.Someofthemorepopularshoppingappsbasedondailyactiveusers,forexample,includeAmazon,Zalando,andWish.PayPal,especially,isabigplayerinGermany.Importantforbuynow,paylater(BNPL)istheinclusionofKlarna—knowntosomeGermansasSOFORT.

ReadmoreNote(s):Germany;March2024;Thesourcemademultiplechangestoitscategoriesovertime,seethe"Details"tabformoreinformation.Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayMostcommononlinepaymentsbytypeinGermanyasofDecember2023MostcommononlinepaymentsbytypeinGermany2023Shareofrespondents0%10%20%30%40%50%48%60%70%68%Onlinepaymentservices(e.g.,PayPal,AmazonPay)ByinvoiceDirectdebit53%Debitcard39%38%CreditcardPrepaidcards/vouchersCashinadvance25%20%Cashondelivery8%IhavenotconductedanypaymentsonlineOther4%2%9Description:"Onlinepaymentservices(e.g.,PayPal,AmazonPay)"and"Byinvoice"arethetoptwoanswersamongGermanconsumersinoursurveyonthesubjectof"Mostcommononlinepaymentsbytype".

ReadmoreNote(s):Germany;JanuarytoDecember2023;5985respondents;18-64yearsSource(s):ConsumerInsightsMarketshareofcryptocurrencycomparedtootherpaymentmethodsinselectedcountriesacrosstheworldasof2023Penetrationofcryptoasameansofpaymentinselectedcountriesworldwidein2023Share

ofrespondentsNumber

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freAustraliaAustria2%1000Everythre2%24872975EverythreEverythreBelgium1.4%CanadaCyprus1%20001016EveryfouEverythre1.5%Estonia0.9%1506Everythre10Description:Cryptocurrencyasapaymentmethodrarelyexceededthreepercentofoverallpaymentswithinacountrybetween2021and2023.Thisisaccordingtomultiplepaymentdiarysurveyshelddomesticallyacrosstheworld,atvarioustimes.Duetothedecentralizednatureofcryptocurrencies–Bitcoinitself,forexample,wasinitiallycreatedasaprotestagainstcentralauthorities–thereisnounifiedapproachordatabasetotrackhowmuchthedigitalassetisusedasapaymentmethod.Some[...]ReadmoreNote(s):Australia,Austria,Belgium,Canada,Cyprus,Estonia,Finland,France,Germany,Greece,Ireland,Italy,Latvia,Lithuania,Luxembourg,Malta,Netherlands,Poland,Portugal,Slovakia,Slovenia,Spain,Sweden,Switzerland,UnitedKingdom,UnitedStates;March2023;Asof2023,thereisnocentralizedtrackingofcryptopaymentsacrosscountries.Thenumbersprovidedhereweregatheredfromvariousdomesticsourcesandstemfromlocallyheldpaymentdiaries,whichareheldatvariousfrequencies,timesofyear,andlikelyfollowdifferentmethodologiesoraskdifferentquestionsfromoneanother.Thefiguresmaythereforenotnecessarilybecomparabletooneanother.Source(s):BankofCanada;DNB;ECB;FederalReserve;FinancialConductAuthority;Ipsos;NationalBankofPoland;ReserveBankofAustralia;SchweizerischeNationalbank;TheDutchPaymentsAssociation;TheRiksbank;YouGovCHAPTER

02PenetrationPenetrationrateofcreditcardsinGermanyfrom2014to2029PenetrationrateofcreditcardsinGermany2014-20297063.0762.0961.1160.1259.1558.18605040302010057.2456.5256.3855.554.4953.5152.5450.1947.9545.81201420152016201720182019202020212022202320242025202620272028202912Description:ThecreditcardpenetrationinGermanywasforecasttocontinuouslyincreasebetween2024and2029byintotal4.9percentagepoints.Aftertheseventhconsecutiveincreasingyear,thecreditcardpenetrationisestimatedtoreach63.07percentandthereforeanewpeakin2029.ReadmoreNote(s):Germany;2014to2029;allvaluesareestimatesSource(s):PenetrationrateofdebitcardsinGermanyfrom2014to2029PenetrationrateofdebitcardsinGermany2014-202912095.2395.7595.9810080604020094.6594.9595.594.0194.0294.3393.1691.9791.5291.4792.3191.0890.64201420152016201720182019202020212022202320242025202620272028202913Description:ThedebitcardpenetrationinGermanywasforecasttocontinuouslyincreasebetween2024and2029byintotal1.3percentagepoints.Afterthetwelfthconsecutiveincreasingyear,thedebitcardpenetrationisestimatedtoreach95.98percentandthereforeanewpeakin2029.ReadmoreNote(s):Germany;2014to2029;allvaluesareestimatesSource(s):MobilepaymentsusageperformedwithanymobiledeviceatPOSinGermanyfrom2018to4thquarterof2023QuarterlyadoptionofmobilepaymentsatPOSinGermany2018-202320%18%16%14%12%10%8%6%4%2%0%2018

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Q4202314Description:Between2018and2023,theusageofmobilesatpointofsaleinGermanywitnessedanincreaseof15percentagepoints.In2018,theshareofrespondentsusingmobilepaymentsatPOSstoodatfourpercent,whichincreasedto19percentinthethirdquarterof2023.ꢀThisisaccordingtoaquestionaskedthroughoutmultiplesurveysfromStatista'sConsumerInsights.Thenumbersshownhererefertoarolling12-monthshareofrespondentswhoindicatedtheyusedamobilepayment[...]

ReadmoreNote(s):Germany;January2,2023,toDecember15,2023;12,000+percountry;18-64years;Residentialonlinepopulation;12-monthrollingaverageSource(s):ConsumerInsightsMobilepaymentsbysituationinGermanyin2022MobilepaymentsbysituationinGermany2022Shareofrespondents0%5%10%15%20%25%30%IwouldliketopaywithmysmartphoneallthetimeForpublictransportationticketsForeverydaypurchases(e.g.food)ForfoodanddrinksinrestaurantsForfoodanddrinksinbarsandcafésForadmissiontickets28%15%14%14%12%11%11%Forminorpurchases(e.g.decorationitems)Fortravelbooking9%Formajorpurchases(e.g.washingmachine)Idon'twanttopaywithmysmartphoneatallOther8%28%3%Don'tknow9%15Description:Whenaskedabout"Mobilepaymentsbysituation",mostGermanrespondentspick"Iwouldliketopaywithmysmartphoneallthetime"asananswer.28percentdidsoinouronlinesurveyin2022.ReadmoreNote(s):Germany;fourwavesfrom06January2022to18December2022;6027respondents;18-64yearsSource(s):ConsumerInsightsShareofcompaniesthatacceptselecteddigitalpaymentsforalltypesofe-commerceinGermanyasofFebruary2024Paymenttypesacceptedbyalle-commercevendorsinGermanyin2022and2024February2022February202480%70%60%50%40%30%20%10%0%73%72%68%59%59%56%52%51%51%49%42%

42%39%35%30%28%23%CreditcardsBanktransfersPayPalBuynow,paylater(BNPL),orpaymentsininstallmentsApplePayLoyaltypoints,rewardsGiftcardsNFTs(non-fungibletokens)Cryptocurrency16Description:Sixoutof10e-commercevendorsinGermanyofferbuynow,paylaterontheirwebsitecome2024.Thisisaccordingtoasurveyheldinearly2024,askinge-commerceprofessionalsonwhichpaymentmethodstheyareoffering.NoticeableforGermanyisthesubstantialshareofrespondentswhoindicatedtheyoffercreditcardsin2024.Cryptocurrencyalsofeaturesinthislist.Thesourcedoesnotclarify,however,whethermerchantswouldliketoacceptdirectpaymentswithBitcoinor[...]

ReadmoreNote(s):Germany;February2024;2,700respondents;18yearsandolder;third-partypanelistsworldwide;Commerceprofessionalsthatheldadirectororhigherleadershiprole;ProfessionalsfromB2B,B2C,andB2B2CcompaniesacrossNorthAmerica,LatinAmerica,AsiaPacific,Japan,andEuropeSource(s):SalesforceResearchCryptoAdoptionIndexrankingofGermanyfrom2020to2023,bymetricAnnualcryptoadoptiondevelopmentinGermany2020-2023,bymetricRank

ofindividual

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indexOverallranking(outof146countries)202033202149202221202326Overallindexscore(1=highest,0=lowest)0.15210.06200.39220.0623On-chaincryptocurrencyvaluereceivedatcentralizedexchanges,rankingOn-chainretailvaluereceivedatcentralizedexchanges,ranking24242226Numberofon-chaindeposits,ranking6379n/a143n/an/a11415n/a60Peer-to-peer(P2P)exchangetradevolume,rankingOn-chaincryptocurrencyvaluereceivedfromDeFiprotocols,rankingn/a25On-chainretailvaluereceivedfromDeFiprotocols,rankingn/an/a102517Description:Germanynearlyenteredthetop20ofcountriesintheworldin2023whenitcomestocryptoadoptionbasedontransactionvolume.Thefigurefor2023standsoutinthattheimportanceofDecentralizedFinance(DeFi)inGermanydeclined.ForbothmetricescoveringDeFi,Germanyrankedwellintothetop20oftheworldin2022-namely,position15forcryptocurrencyvaluereceivedviaDeFiandposition10forretailvaluereceivedviaDeFi.Interestingly,Germanyrankedhigherfor[...]

ReadmoreNote(s):Germany;July2020toJune2023;Ranking(1=highest,146=lowest);Weightedbypurchasingpowerparity(Source(s):ChainalysispercapitaDistributionofdomesticandcross-bordere-commercerevenuesin2023,bycountryDomesticandcross-bordere-commercerevenueshare2023,bycountryShareofrevenueCross-border

Domestic40%

50%0%10%20%30%60%70%80%90%100%Japan

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3%UnitedStates

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3%China

3%SouthKorea

3%98%97%97%97%97%97%97%96%96%96%95%94%FinlandGermanyUnitedKingdomArgentina4%4%4%5%6%Indonesia18Description:TheDigitalMarketOutlookestimatesthattheshareofcross-bordere-commerceretailrevenuein2023willbeonlyaroundtwopercentinJapan.TheUnitedStatesandChinaalsohadarelativelylowshareofcross-boarderrevenue,atthreepercent.BelgiumandAustria,ontheotherhand,hadasignificantlyhighershareoftheire-commercerevenuegeneratedcross-border,at32and19percent,respectively.

ReadmoreNote(s):Worldwide;estimatesSource(s):DigitalMarketInsightsShareofdigitallyinitiatedremittancesinGermanyfrom2ndquarter2016to3rdquarter2023,basedonremittanceoutflowtowardsanyothercountryQuarterlymarketshareofoutgoingdigitalremittancesinGermany2016-2023TraditionallyinitiatedDigitallyinitiatedDigitalend-to-end120%100%80%60%40%20%0%Q2

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Q320162016201620172017201720172018201820182018201920192019201920202020202020202021202120212021202220222022202220232023202319Description:TheshareofdigitalremittancesleavingGermanywasslightlyhigherin2023thaninpreviousyears,takingupthemajorityofmoneytransfers.Thisisaccordingtoacustom-madecalculationfrombasedonthenumberofreportedremittancechannelsgoingawayfromGermany.ThethreecountriesGermanysendsthehighestvalueofremittancesincludePoland,Czechia,andFrance.Remittancesarearelativelyunchartedtopic,though.Whilefiguresexistonthetotaltrafficbetween[...]

ReadmoreNote(s):Germany;September2023;Figuresarebasedontheremittancechannelsthatexistinaremittancesendingand/orreceivingcountry;Seethe"Details"tabformoreinformationonthecategorizationSource(s):WorldBank(RemittancePricesWorldwide)CHAPTER

03BiggestbrandsMarketshareofpaymentcardbrands-Visa,Mastercard,AmericanExpress,orin-marketlocalcardschemes-inGermanyfrom2016to2022BiggestinternationalanddomesticpaymentcardschemesinGermany2016-2022GirocardVisaMastercardAmericanExpress120%100%80%60%40%20%0%201620172018201920202021202221Description:GermancardschemeGirocardlosthalfitsmarketsharetoVisaandMasterCardin2020,buthadrecoveredby2021.Althoughthesourcedoesnotmentionexplicitlywhythissuddenchangeoccurred,GermanconsumersdidincreasinglyusebothcreditcardsaswellasBuyNow,PayLatersincethecoronaviruspandemic.AsGirocardisadebitcardscheme-notcreditcard-itisnotinvolvedineitherofthesetwopaymentmethods.

ReadmoreNote(s):Germany;2016to2022;Basedontotaltransactionvalue,eitheronlineorofflineSource(s):GlobalData;PPRO;WorldpayMostusedmobilepaymentsbybrandinGermanyasofDecember2023MostusedmobilepaymentsbybrandinGermany2023Shareofrespondents0%10%20%30%40%50%PayPal50%ApplePay45%GooglePay32%Sparkasse-MobilesBezahlen21%Klarna17%PaybackPay11%Bitpay9%9%BluecodeFitbitPay7%7%VolksbankRaiffeisenbank-DigitaleKartenGarminPayMüllerPayVerse6%4%1%Other3%22Description:WeaskedGermanconsumersabout"Mostusedmobilepaymentsbybrand"andfoundthat"PayPal"takesthetopspot,while"Verse"isattheotherendoftheranking.ReadmoreNote(s):Germany;JanuarytoDecember2023;1158respondents;18-64years;respondentswhousedmobilepaymentinrestaurants,storesandotherpointsofsaleinthepast12months(Health,Finance,Insurance)Source(s):

ConsumerInsightsMostusedonlinepaymentsbybrandinGermanyasofDecember2023MostusedonlinepaymentsbybrandinGermany2023Shareofrespondents0%10%20%30%40%50%60%70%80%90%100%PayPal91%Klarna45%AmazonPay28%Giropay20%ApplePayGooglePay17%17%MastercardClicktoPay(Masterpass)7%6%PaydirektAfterPayBillPay4%3%2%SkrillTransferWiseTrustly2%2%23Description:WeaskedGermanconsumersabout"Mostusedonlinepaymentsbybrand"andfoundthat"PayPal"takesthetopspot,while"Neteller"isattheotherendoftheranking.ReadmoreNote(s):Germany;JanuarytoDecember2023;4043respondents;18-64years;respondentswhousedonlinepaymentmethods(Health,Finance,Insurance)Source(s):ConsumerInsightsBiggestbuynow,paylater(BNPL)appsinGermanyfrom1stquarterof2015to4thquarterof2023,bynumberofdownloadsBiggestbuynow,paylater(BNPL)appsinGermany2015-2023,basedondownloadsPayPal*KlarnaRivertyisthenewAfterPay3,500,0003,000,0002,500,0002,000,0001,500,0001,000,000500,000024Description:ThedownloadsoftheKlarnaandPayPalappsfaroutweighedthatofotherknownBNPLbrandsinGermanyin2023.Thisaccordingtoanestimateusingroughly150differentbuynow,paylaterbrandsfromacrosstheworld.Sweden'sKlarna-sometimesreferredtoasSOFORTinGermanyspecifically-launchedintheEuropeancountryin2017.Additionally,PayPalseesmuchuseinGermany-althoughitisnotclearwhetherthefiguresprovidedherereflectbuynow,paylaterusefrom[...]

ReadmoreNote(s):Germany;March2024;Thisstatisticistheresultofresearchintoroughly150differentappsusedforBNPLacrosstheworld.Formoreinformation,seethe"Details"tab;Theappsondisplayheremadeup99.8percentofalldownloadsinQ42023Source(s):AppMagic;BuiltWith;BusinessWire;CBInsights;ecommerceDB.com;Fincog;PayU;SiftedBiggestwalletsforcryptocurrencystorageinGermanyfrom1stquarterof2015to4thquarterof2023,bynumberofdownloadsBiggestcryptocurrencywalletsinGermany2015-2023,basedondownloadsCoinbaseBybitBinanceKuCoinTrustBitvavoBitpandaOKXBitgetMEXCCoinbaseWallet

MetaMaskSweatWallet

KrakeneToro1,800,0001,600,0001,400,0001,200,0001,000,000800,000600,000400,000200,000025Description:CryptowalletdownloadsinGermanycontinuedtoincreaseinGermanybytheendof2023,asCoinbasehadovertakenBinanceasthemostpopularwallet.Thisisaccordingtoanestimateusingroughly190differentappsthatofferacryptowalletfunctionfromacrosstheworld.Walletsarebutonetypeofappthatinteractwithdecentralizeddigitalassets,althoughitcanbedifficulttoseparatethedifferentapplicationsfromeachother.Cryptowalletsareoftenusedforcryptostorage,and[...]

ReadmoreNote(s):Germany;March2024;Thisstatisticistheresultofresearchintoover190differentappsusedforBNPLacrosstheworld.Formoreinformation,seethe"Details"tab;The15appsondisplayheremadeup86.0percentofalldownloadsin[...]

ReadmoreSource(s):AppMagic;CoinGecko;Website(CryptoSlate)BiggestbrandsforremittancesinGermanyfrom1stquarter2011to3rdquarter2023,basedonremittanceoutflowtowardsanyothercountryQuarterlymarketshareofoutgoingremittancebrandsinGermany2011-2023SmallWorldRiaPostbankviaWesternUnionWesternUnionEcoBankRapidTransferATLMoneyTransferRemitlyWorldRemitOtherMoneyGramPostbank120%100%80%60%40%20%0%26Description:SmallWorldwasusedthemostforoutgoingremittancesfromGermanyin2023,oneofthefewcaseswhereWesternUnion,MoneyGramorRemitlywerenotleading.Thisisaccordingtoacustom-madecalculationfrombasedonthenumberofreportedremittancechannelsgoingawayfromGermany.ThethreecountriestowhichGermanysendsthehighestvalueofremittancesarePoland,Czechia,andFrance.Remittancesarearelativelyunchartedtopic,though.While[...]

ReadmoreNote(s):Germany;September2023;Figuresarebasedontheremittancechannelsthatexistinaremittancesendingand/orreceivingcountry.Source(s):WorldBank(RemittancePricesWorldwide)CHAPTER

04UsersTotalnumberofcreditcardsanddebitcardsincirculationinGermanyfrom2000to2022AnnualcreditcardanddebitcardsissuedinGermany2000-2022CreditcardsDebitcards140,000,000120,000,000100,000,00080,000,00060,000,00040,000,00020,000,00002000

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202228Description:ApproximatelyfivepercentofpaymentcardsinGermanywerecreditcards,reachingatotalofroughlysixmillionin2022.Debitcardswerefoundmoreofteninthecountry,asthatyeartherewerearound132millionofthesecards.Thenumbersprovidedareestimates,basedonthefigurescentralbankshavetosupply.Owningapaymentcarddoesnotimmediatelyindicateitgetsused,astherearelargedifferenceswithinEuropewhenitcomestotheuseofcertainpaymentmethods.

ReadmoreNote(s):Germany;2000to2022;FigureswerefirstreleasedinNovember2023,andhaveaboutayeardelayduetocalculationsSource(s):DeutscheBundesbank;ECB;ShareofindividualswhoownacreditcardinGermanyin2011,2014,2017and2021withaforecastfor2024,byage,gender,andincomelevelTriennialcreditcardpenetrationinGermany2011-2024,bydemographic201135.7%-201445.8%36.4%201752.5%47.4%202156.5%45.7%2024*64.6%51.4%-OwnershipUsedacreditcardGender:Male42%49.6%42.2%57.7%47.7%51.9%60.9%59.1%69.9%-Female29.7%Agegroup:15-24years25yearsandolderIncomelevel:Poorest40%Richest60%15.5%38.9%31.9%48%20.6%58.2%46.8%57.6%50.1%66.7%-35.7%33.1%33.2%53.8%40.1%60.7%50.2%60.7%52.8%73.6%29/statistics/865943/credit-card-ownership-rate-germanyThisstatisticpresentsatimelinewiththeshareofindividualswhoownedacreditcardinGermanybetween2011and2017.In2017,53percentofindividualsabovethelegalageofrequirementownedacreditcard,anincreaseof17percentfrom2011.ReadmoreNote(s):AugusttoNovember2021;approx.1,000percountry;15yearsandolder;Entirecivilian,noninstitutionalizedpopulation;*Thedatafor2024isaforecastcalculatedbymostrecentyearavailable-wasreleasedinJune2022.Source(s):Gallup;WorldBankThefiguresshownarefromaglobalsurveyheldevery3years.Datafor2021-theShareofindividualswhoownadebitcardinGermanyin2011,2014,2017and2021withaforecastfor2024,byage,gender,andincomelevelTriennialdebitcardpenetrationinGermany2011-2024,bydemographic201188%-201492%201790.6%81.8%202194%Column595.4%86.6%-OwnershipUsedadebitcardGender:79.2%84.3%Male88.8%87.2%90.7%93.2%91.2%90.1%94.7%93.3%96%Female94.7%-Agegroup:15-24years25yearsandolderIncomelevel:Poorest40%Richest60%81.6%89%88.7%92.8%89.1%90.9%98.1%93.5%99.9%94.5%-88%85.9%95.8%86.9%93.1%93.4%94.4%93.2%91.2%100%30Description:Accordingtoathree-yearsurvey,morethannineoutof10respondentsfromGermanyownedadebitcardin2021with84percentactuallyhavingusedone.Thedifferencebetweenownershipandusagewasroughly10percentagepointsin2021,aslightincreasefromadifferenceofninepercentagepointsin2017.ThereportaddsthatmenweremorelikelythanwomentoownsuchapaymentcardintheEuropeancountry.Gen

heagegroup15to24yearsinthissurvey-was[...]

ReadmoreNote(s):AugusttoNovember2021;approx.1,000percountry;15yearsandolder;Entirecivilian,noninstitutionalizedpopulation;*Thedatafor2024isaforecastcalculatedby

Thefiguresshownarefromaglobalsurveyheldevery3years.Datafor2021-themostrecentyearavailable-wasreleasedinJune2022.Source(s):Gallup;

WorldBankShareofrespondentsinGermanywhoprefertopaywithasmartwatchovercash,card,mobilephone,orbiometricpaymentmethodfrom2ndquarterof2022to2ndquarterof2023Preferenceforpaymentby