EU countries by made a digital payment, adults, 2021

Denmark had the highest made a digital payment, adults of 26 EU countries in 2021, at 99.93%. Romania had the lowest, at 55.57%. The median was 92.85%. Source: the World Bank.

Highest99.93Denmark

Lowest55.57Romania

Median92.8526 EU countries

Map of EU countries, 2021

Under 83
83 to 93
93 to 97
97 to 98
98 and over
No data

%, 2021. Hatched areas have no value for this period. Source: World Bank Global Findex, Global Findex: Made a digital payment (% age 15+) (g20.made). Boundaries: Natural Earth (public domain).

All EU countries, 2021

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

Full ranking

Rank	EU countries	2021 (%)
1	Denmark	99.93
2	Germany	99.36
3	Austria	99.23
4	Sweden	98.41
5	Ireland	98.04
6	France	98.04
7	Netherlands	98.01
8	Finland	97.71
9	Estonia	97.67
10	Belgium	97.26
11	Spain	97.15
12	Slovenia	93.61
13	Italy	92.92
14	Latvia	92.78
15	Slovakia	92.67
16	Czechia	92.65
17	Poland	91.39
18	Greece	88.14
19	Portugal	87.22
20	Malta	85.52
21	Lithuania	82.98
22	Hungary	81.37
23	Cyprus	78.13
24	Croatia	74.59
25	Bulgaria	67.45
26	Romania	55.57

Other periods

2021
2017
2014

About this ranking

Percentage of respondents aged 15 and over who used mobile money, a debit or credit card, or a phone to pay from an account, or the internet to pay bills or make purchases, in the past 12 months. Includes bills and domestic remittances paid from a financial institution or mobile money account.

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. 1 EU countries with data in other periods have no value for 2021 and are left out rather than filled from another source. Equal values share a rank.

How to cite

World Bank, Global Findex Database. Global Findex: Made a digital payment  (% age 15+) (g20.made). https://api.worldbank.org/v2/country/all/indicator/g20.made?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 a digital payment (% age 15+) (g20.made) (EU countries by made a digital payment, adults, 2021) [Data set]. Retrieved October 12, 2026, from https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json&per_page=20000&date=2011:2024&source=28

MLA 9

Global Findex: Made a digital payment (% age 15+) (g20.made), EU countries by made a digital payment, adults, 2021. World Bank, 6 Oct. 2025, https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json&per_page=20000&date=2011:2024&source=28. Invokely, https://invokely.ai/rankings/made-digital-payment-adults/eu-countries. Accessed 12 Oct. 2026.

Chicago (author-date)

World Bank. 2025. Global Findex: Made a digital payment (% age 15+) (g20.made). EU countries by made a digital payment, adults, 2021. Dataset. Accessed October 12, 2026. https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json&per_page=20000&date=2011:2024&source=28. Also distributed by Invokely, https://invokely.ai/rankings/made-digital-payment-adults/eu-countries.

Harvard

World Bank (2025) Global Findex: Made a digital payment (% age 15+) (g20.made), EU countries by made a digital payment, adults, 2021 [Dataset]. Available at: https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json&per_page=20000&date=2011:2024&source=28, via Invokely: https://invokely.ai/rankings/made-digital-payment-adults/eu-countries (Accessed: 12 October 2026).

BibTeX

@misc{world_eu_countries_by_made_2021,
  author = {{World Bank}},
  title = {{Global Findex: Made a digital payment (\% age 15+) (g20.made): EU countries by made a digital payment, adults, 2021}},
  year = {2025},
  howpublished = {Data set},
  url = {https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json&per_page=20000&date=2011:2024&source=28},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/made-digital-payment-adults/eu-countries. Publisher attribution: World Bank, Global Findex Database. Global Findex: Made a digital payment (\% age 15+) (g20.made). https://api.worldbank.org/v2/country/all/indicator/g20.made?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 a digital payment (% age 15+) (g20.made): EU countries by made a digital payment, adults, 2021
PY  - 2025
DA  - 2025/10/06
PB  - World Bank
DB  - Invokely
UR  - https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json&per_page=20000&date=2011:2024&source=28
L2  - https://invokely.ai/rankings/made-digital-payment-adults/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/made-digital-payment-adults/eu-countries.
N1  - Publisher attribution: World Bank, Global Findex Database. Global Findex: Made a digital payment (% age 15+) (g20.made). https://api.worldbank.org/v2/country/all/indicator/g20.made?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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Questions

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

Denmark, with 99.93% in 2021, according to the World Bank.

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

Romania, with 55.57% in 2021.

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 a digital payment (% age 15+) (g20.made). Retrieved 2026-10-12. 1 EU countries have no value for 2021 and are not ranked.

Made a digital payment, adults: other rankings

Countries