Cashless payments become majority in Germany for first time

Germany has reached a significant milestone in its payment habits, with non-cash transactions now exceeding cash for the first time. In 2025, 55% of everyday purchases were settled using cards, mobile devices, or online platforms, marking a clear departure from the country's long-standing affinity for physical currency.

The trend reflects a broader digitalization of payments in Europe's largest economy. The Bundesbank reported that cash's share in transaction numbers has steadily declined from 83% in 2008 to 51% in 2023. Debit cards, particularly the German Girocard, remain the most popular non-cash payment method, accounting for 26% of transactions, while mobile payments are also gaining traction at 10%.

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remains among the highest rates in Europe

Despite this shift, cash retains its importance for many Germans. A significant 80% of respondents in a Bundesbank study believe it is important to always have the option to pay with cash, citing its role as an inclusive and crisis-resilient payment method. However, the study also highlighted that the freedom to choose is not always perfect, with some consumers encountering situations where non-cash payments are not accepted.

The rise of international payment platforms like PayPal and Apple Pay has also reignited discussions about European payment sovereignty. A majority of Germans surveyed expressed support for European alternatives, showing trust in central banks and traditional banks to develop such solutions, potentially paving the way for initiatives like the digital euro.

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a socially inclusive and above all resilient means of payment in times of crisis