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SEPA payment statistics

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The payment statistics in the below overview have been taken from the 2022 payment statistics as published by the European Central Bank under the following link. The methodology for the collection of these data can be equally found under this link.
 

We note that there are no data available for payment transactions carried out in accordance with the SEPA Direct Debit Business-to-Business (SDD B2B) scheme. However, we know that the number of transactions carried out in accordance with the SDD B2B scheme are negligible as regards their transaction numbers. 

There are equally no payment statistics available for the number of payment transactions carried out in accordance with the SEPA Instant Credit Transfer (SCT Inst) scheme at this moment.

The payment statistics for euro payments in the non-euro countries and non-European Economic Area (EEA) countries are unfortunately not available at this time. The EPC will update these payment statistics as soon as the newest set of data becomes available. Furthermore, some EU data are missing accordingly. 

Country

 SEPA Credit Transfers

SEPA Direct Debits

Belgium

1,800.45

531.76

Bulgaria

n/a

n/a

Czech Republic

1,334.31

81.18

Denmark

13,032.00

n/a

Germany

7,195.13

10,139.86

Estonia

217.19

0.00

Ireland

470.60

175.70

Greece

560.92

42.65

Spain

2,220.49

2,120.02

France

5,159.35

4,914.55

Croatia

n/a

n/a

Italy

2,018.29

480.80

Cyprus

38.14

14.86

Latvia

276.89

0.00

Lithuania

416.06

2.49

Luxembourg

127.26

24.78

Hungary

438.13

75.15

Malta

15.79

2.85

Netherlands

3,855.89

2,158.65

Austria

748.28

510.73

Poland

0.00

0.00

Portugal

353.14

258.52

Romania

498.23

16.62

Slovenia

168.07

48.91

Slovakia

461.86

35.34

Finland

1,163.25

n/a

Sweden

n/a

n/a

Total*  42,569.72 21,635.42

 Number of payments sent in millions, total for the period (2022). 
* Please note that these totals are based on data made available by the European Central Bank, whereby the data related to some EU countries are currently not available. Last updated 14/02/24.

Did you know?
  • Total number of non-cash payments in the euro area in second half of 2022 increased by 8.8% to 65.9 billion compared with the previous six-month period, with total value rising by 2.8% to €118.8 trillion. Considering annual figures for non-cash payment transactions in the reference year 2022, the total number of transactions increased by 10.9% compared with 2021, and their value increased by 17.5%.
  • Card payments accounted for 54% of total number of non-cash payments in second half of 2022, credit transfers for 20%, direct debits for 16% and e-money payments for 7%.
  • In the second half of 2022 the number of credit transfers within the euro area increased by 5.1% to 13.4 billion compared with the previous six-month period, and the corresponding total value rose by 2.2% to €111.0 trillion. Credit transfers made up 93.5% of the total value of non-cash payments. At the national level, Latvia had the largest share of credit transfers as a percentage of the total number of non-cash payments, at around 37%. 
  • In the second half of 2022 the number of direct debits within the euro area increased by 0.8% to 10.7 billion compared with the previous six-month period, and the corresponding total value rose by 14.4% to €4.4 trillion. Of the total number of direct debits, those with an electronic mandate accounted for 13% whereas those with consent given in other forms accounted for 87%; in terms of value the split was 18% to 82%. At the national level, Germany had the largest share of direct debits as a percentage of the total number of non-cash payments, at around 36%.

Source: European Central Bank