Mobile payments increase share of transactions in Germany

Mobile payment methods have seen a significant rise in usage, according to data from the Deutsche Bundesbank. In 2025, mobile payments accounted for 10 percent of all transactions, representing a four percentage point increase from 2023.

Internet-based payment methods also grew, with their share doubling to 6 percent. While age gaps in technology adoption persist, they are narrowing. Approximately 67 percent of Germans reported using a smartphone or smartwatch for a payment within the last twelve months, with usage reaching 78 percent among those aged 16 to 29.

Retailers note that cashless transactions become more frequent as transaction amounts increase. However, merchants emphasize the necessity of reliable electricity and internet connectivity to support these digital systems, as technical failures can prevent sales.