Overview

• Euro Kartensysteme reported 4.04 billion Girocard payments in the first half of 2025, a 5.3% increase from a year earlier.
• Turnover reached €150.7 billion in the period, edging above the €150.1 billion recorded in the first half of 2024.
• The average payment fell to €37.28, marking a new low as consumers increasingly use cards for small, everyday purchases.
• Contactless transactions rose to 87.5% of all Girocard payments as acceptance expanded to roughly 1.25–1.26 million active terminals.
• Based on the first-half pace, the scheme is on course to exceed the 2024 annual record of 7.9 billion transactions.