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Germany adopts digital payments despite cash preference
Germany is gradually experiencing an increase in the use of digital payments, although it still lags behind Northern European countries and the European Union in terms of the number of transactions. In 2025, the average number of electronic payment transactions per person in Germany was around 300, a rise of about 10% compared to the previous year. However, this is still below the EU average of 400 transactions and the Northern European countries, which reach up to 700 transactions. Card payments also saw an increase of 11.3%, with an average of 196 transactions per individual—still less than Austria and Switzerland, with 216, the EU average of 327, and Northern Europe with 539. Although cash remains popular, 55% of transactions were digital. Finance ministers are planning to require shops and restaurants to accept digital payments by 2027.
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