Germany | Aurato

Germany
`mkt_de`

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Germany's payments market balances a cash habit with girocard, international cards and growing mobile payment use. Bundesbank research recorded cash at 45% of day-to-day purchases and mobile methods at 10% in 2025, illustrating a gradual shift within Europe's largest economy.

Population

84M

GDP

$5.1T

GDP per Capita

$60K

GDP Growth

0.2%

Deepdive

World Bank, World Development Indicators (WDI), 2025

Cash in Germany

Germany's cash share fell to 45% of day-to-day purchases in 2025, a drop of six percentage points from 2023. Debit cards, led by girocard, were next at 26%; notes remain the top single method despite the broader cashless shift.

ATMs (PER 100K)

68.0

BANKS (PER 100K)

3.8

DEBIT CARDS (PER ADULT)

2.5

CREDIT CARDS (PER ADULT)

0.5

Compare

IMF, Financial Access Survey (FAS), 2025