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Local payment methods in Europe

Learn about the payments landscape in the Europe region.

A street in Vienna with traditional European buildings at dusk, lit up with cozy lighting.

Austria

Austria's ecommerce market is valued at €9.1bn, with online banking and open invoices popular ways to pay.

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Cobblestone street leading to a grand historic tower amidst Belgian buildings at dusk.

Belgium

1.6bn payments were made with Bancontact, Belgium's local payment method, in 2019.

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Ancient fortified walls with a stone bridge leading to the Sibenik city by the sea in Croatia.

Croatia

There are around 2 cards per capita in Croatia, one of the highest in Central and Eastern Europe.

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Traditional white church with blue dome and bright flowers under a clear blue sky in Cyprus.

Cyprus

In Cyprus, cards and cash are the most popular ways to pay.

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Sunlight casting shadows on rolling green hills with trees in Czechia.

Czech Republic

A large proportion of Czechs (36%) like to pay for ecommerce goods with cash.

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Golden sunlight illuminating a vast wheat field with dramatic sky and a distinct path through the crops in Denmark.

Denmark

Denmark's payment mix is dominated by cards, with local scheme Dankort, often co-branded with Visa.

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Historical building rooftops with dormer windows against a cloudy sky in Estonia.

Estonia

Estonia has a strong tech infrastructure with a large percentage of online shoppers.

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Snow-covered hills under a cloudy sky in Finland.

Finland

Finland is a market leader in online and mobile banking.

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Lavender fields with a stone hut during sunset with mountains in the background in France.

France

Cartes Bancaires is a dominant payment method in France. A local scheme, most cards are co-branded with Visa or Mastercard.

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Rolling hills covered in vibrant green grass and forests under a cloudy sky in Germany.

Germany

girocard is one of Germany's most popular payment methods with over 100 million cards in circulation.

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Lighthouse on a cliff overlooking a calm sea with distant mountains in haze in Gibraltar.

Gibraltar

UK debit cards and all major credit cards are popular in Gibraltar.

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White domed rooftop overlooking the calm blue sea during dusk in Greece.

Greece

The most popular credit and debit cards in Greece are Mastercard and Visa.

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Sunrise view of the Hungarian Parliament Building through an archway.

Hungary

Hungary is working to limit the amount of cash in circulation with its AFR payment system.

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Winding road along a cliff with a single car and scenic ocean view in Iceland.

Iceland

Card payments are very popular in Iceland.

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Aerial view of the Cliffs of Moher on a cloudy day in Ireland.

Ireland

Payments in Ireland are dominated by cards. The average shopper holds 1-2 cards.

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A coastal town in Italy with colorful buildings by the sea with boats and a beach.

Italy

Card payments are Italians' preferred way to shop. Mastercard, Visa, and Maestro are most common.

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Colorful flowerbed in a quaint Latvian town with traditional architecture under a clear blue sky.

Latvia

As in other Baltic states, the domestic banking market is dominated by the banks from Sweden.

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A long wooden covered bridge with concrete pillars over a river, mountains and a castle in the background in Liechtenstein.

Liechtenstein

Cards and cash are the most common payment methods in Liechtenstein.

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Aerial view of a historic Lithuanian town with orange tiled roofs and church spires.

Lithuania

Debit cards dominate the landscape accounting for 81.6% of cards by the end of 2014.

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Luxembourg city skyline at twilight with illuminated buildings and greenery in the foreground.

Luxembourg

Cards are the most popular payment method in Luxembourg.

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Colorful traditional Maltese balconies in Valletta, Malta.

Malta

Cards and cash are the most frequently used payment methods in Malta.

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Sunny day view of boats on a tree-lined canal with historic buildings on either side.

Netherlands

The Netherlands is one of Europe's cashless leaders

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Curved bridge over a coastal inlet at dusk with light trails from passing vehicles in Norway.

Norway

Norway is a leader in card usage and mobile payments are on the rise.

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Curved modern building in Poland with layered balconies against a clear sky at twilight.

Poland

Poland's ecommerce market is one of the fastest-growing in Europe, with a 30% increase in 2020.

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Bright sunny street with traditional Portuguese architecture, cobblestone pavement, and a glimpse of the sea.

Portugal

The most popular payment method in Portugal is local debit card Multibanco, a post-pay option.

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A historic town with orange-tiled roofs and a prominent church tower against a verdant hillside in Romania.

Romania

Romania is one of the biggest ecommerce markets in Central and Eastern Europe.

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A castle located on a rocky slope overseeing a green forest in Slovakia.

Slovakia

Slovakia is a hub of cross border commerce due to it's location in the heart of Central Europe

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White church with a red roof on a green hill against a backdrop of mountains and trees in Slovenia.

Slovenia

Cash on delivery and cards are preferred in Slovenia.

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Seaside view with sandy beach and coastal houses under a clear sky at sunset in Spain.

Spain

Spanish shoppers like to pay with a mix of cash and card. 85% hold a debit or credit card.

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A-frame house with illuminated windows by a tranquil lakeside at dusk under a starry sky in Sweden.

Sweden

Open invoice payments are big business in Sweden, and hold a market share of over 50% for ecommerce transactions.

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Winding mountain road with hairpin turns surrounded by green slopes and distant peaks in Switzerland.

Switzerland

The average Swiss holds three debit or credit cards.

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Colorful hot air balloons flying over unique rock formations at sunrise in Turkey.

Turkey

80% of ecommerce transactions in Turkey are made with credit cards.

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Vast field of blooming sunflowers under bright sunlight in Ukraine.

Ukraine

Cards and digital wallets are popular in Ukraine.

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Coastal cliffs with a grassy hillside and a beach at sunset in the United Kingdom.

United Kingdom

The UK is a country of card lovers, with 90% using this payment method for ecommerce payments.

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