EU countries by made or received a digital payment, adults

Denmark had the highest made or received a digital payment, adults of 27 EU countries in 2014, at 99.69%. Romania had the lowest, at 43.32%. The median was 87.16%. Source: the World Bank.

Highest99.69Denmark

Lowest43.32Romania

Median87.1627 EU countries

Map of EU countries, 2014

Under 73
73 to 77
77 to 91
91 to 96
96 and over

%, 2014. Source: World Bank Global Findex, Global Findex: Made or received a digital payment (% age 15+) (g20.any). Boundaries: Natural Earth (public domain).

All EU countries, 2014

%. Source: World Bank Global Findex, Global Findex: Made or received a digital payment (% age 15+) (g20.any). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	2014 (%)
1	Denmark	99.69
2	Sweden	99.21
3	Finland	98.52
4	Netherlands	97.85
5	Estonia	96.14
6	Belgium	96.05
7	Germany	95.8
8	Spain	94.2
9	Austria	93.63
10	Luxembourg	93.41
11	France	92.53
12	Ireland	89.76
13	Slovenia	87.67
14	Latvia	87.16
15	Czechia	80.05
16	Malta	79.47
17	Croatia	76.08
18	Slovakia	75.37
19	Portugal	75.24
20	Cyprus	73.78
21	Italy	73.24
22	Lithuania	72.82
23	Hungary	66.87
24	Poland	65.04
25	Greece	60.99
26	Bulgaria	51.76
27	Romania	43.32

Other periods

2021
2017
2014

About this ranking

Percentage of respondents aged 15 and over who made or received a digital payment in the past 12 months, including account or card payments, internet bill payments or purchases, remittances, agricultural payments, government transfers, wages or public pensions.

Global Findex survey estimates for people aged 15 and over, or the named subgroup. Percentages use all respondents in that population, not only savers, borrowers or account owners. Only published survey years are stored; no values are interpolated or carried forward. The 2025 edition reports 2024 fieldwork. Some earlier-wave surveys were conducted in 2022; the publisher year labels are retained. In 2024, account and debit-card ownership were asked more widely than other financial-use questions, so available years vary by measure and economy. Survey coverage and questions can change between waves.

Every value in the ranking comes from the same publisher and the same period, so the EU countries are compared on one definition. Equal values share a rank.

How to cite

World Bank, Global Findex Database. Global Findex: Made or received a digital payment  (% age 15+) (g20.any). https://api.worldbank.org/v2/country/all/indicator/g20.any?format=json&per_page=20000&date=2011:2024&source=28. Retrieved 2026-10-12. Licensed under CC BY 4.0.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

World Bank. (2025). Global Findex: Made or received a digital payment (% age 15+) (g20.any) (EU countries by made or received a digital payment, adults, 2014) [Data set]. Retrieved October 12, 2026, from https://api.worldbank.org/v2/country/all/indicator/g20.any?format=json&per_page=20000&date=2011:2024&source=28

MLA 9

Global Findex: Made or received a digital payment (% age 15+) (g20.any), EU countries by made or received a digital payment, adults, 2014. World Bank, 6 Oct. 2025, https://api.worldbank.org/v2/country/all/indicator/g20.any?format=json&per_page=20000&date=2011:2024&source=28. Invokely, https://invokely.ai/rankings/digital-payment-participation-adults/eu-countries?period=2014. Accessed 12 Oct. 2026.

Chicago (author-date)

World Bank. 2025. Global Findex: Made or received a digital payment (% age 15+) (g20.any). EU countries by made or received a digital payment, adults, 2014. Dataset. Accessed October 12, 2026. https://api.worldbank.org/v2/country/all/indicator/g20.any?format=json&per_page=20000&date=2011:2024&source=28. Also distributed by Invokely, https://invokely.ai/rankings/digital-payment-participation-adults/eu-countries?period=2014.

Harvard

World Bank (2025) Global Findex: Made or received a digital payment (% age 15+) (g20.any), EU countries by made or received a digital payment, adults, 2014 [Dataset]. Available at: https://api.worldbank.org/v2/country/all/indicator/g20.any?format=json&per_page=20000&date=2011:2024&source=28, via Invokely: https://invokely.ai/rankings/digital-payment-participation-adults/eu-countries?period=2014 (Accessed: 12 October 2026).

BibTeX

@misc{world_eu_countries_by_made_2014,
  author = {{World Bank}},
  title = {{Global Findex: Made or received a digital payment (\% age 15+) (g20.any): EU countries by made or received a digital payment, adults, 2014}},
  year = {2025},
  howpublished = {Data set},
  url = {https://api.worldbank.org/v2/country/all/indicator/g20.any?format=json&per_page=20000&date=2011:2024&source=28},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/digital-payment-participation-adults/eu-countries?period=2014. Publisher attribution: World Bank, Global Findex Database. Global Findex: Made or received a digital payment (\% age 15+) (g20.any). https://api.worldbank.org/v2/country/all/indicator/g20.any?format=json\&per\_page=20000\&date=2011:2024\&source=28. Retrieved 2026-10-12. Licensed under CC BY 4.0.},
}

RIS

TY  - DATA
AU  - World Bank
TI  - Global Findex: Made or received a digital payment (% age 15+) (g20.any): EU countries by made or received a digital payment, adults, 2014
PY  - 2025
DA  - 2025/10/06
PB  - World Bank
DB  - Invokely
UR  - https://api.worldbank.org/v2/country/all/indicator/g20.any?format=json&per_page=20000&date=2011:2024&source=28
L2  - https://invokely.ai/rankings/digital-payment-participation-adults/eu-countries?period=2014
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/digital-payment-participation-adults/eu-countries?period=2014.
N1  - Publisher attribution: World Bank, Global Findex Database. Global Findex: Made or received a digital payment (% age 15+) (g20.any). https://api.worldbank.org/v2/country/all/indicator/g20.any?format=json&per_page=20000&date=2011:2024&source=28. Retrieved 2026-10-12. Licensed under CC BY 4.0.
ER  -

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Rank EU countries by made or received a digital payment, adults using official data, and cite the source.

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Questions

Which EU country has the highest made or received a digital payment, adults?

Denmark, with 99.69% in 2014, according to the World Bank.

Which EU country has the lowest made or received a digital payment, adults?

Romania, with 43.32% in 2014.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: World Bank, Global Findex: Made or received a digital payment (% age 15+) (g20.any). Retrieved 2026-10-12.

Made or received a digital payment, adults: other rankings

Countries