This statistic is based on the annual EU survey on the use of Information and Communication Technologies in households and individuals. Data are collected on a yearly basis by the National Statistical Institutes and are based on Eurostat's annual model questionnaire.Â
Data refers to the share of individuals who used the internet for internet banking within the last three months before the survey. Internet banking includes electronic transactions with a bank for payment and similar activities, or for looking up account information.Â
Online banking adoption in the European Union has shown remarkable growth, climbing from ** percent in 2010 to over percent in 2025. The Nordic and Benelux regions lead this digital transformation, with Norway, Denmark, and the Netherlands achieving the highest online banking penetration rates in Europe, reflecting their populations' high digital literacy and robust internet infrastructure. This shift represents not just technological advancement but a fundamental change in how Europeans manage their finances, with mobile banking apps and digital payments becoming the norm rather than the exception.
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Eurostat. (April 17, 2026). Penetration rate of online banking in the European Union (EU) from 2010 to 2025 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 01, 2026, from /statistics/1310965/online-banking-penetration-in-the-european-union/
Eurostat. "Penetration rate of online banking in the European Union (EU) from 2010 to 2025." Chart. April 17, 2026. ÌÇÐÄÆƽâ°æ. Accessed August 01, 2026. /statistics/1310965/online-banking-penetration-in-the-european-union/
Eurostat. (2026). Penetration rate of online banking in the European Union (EU) from 2010 to 2025. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 01, 2026. /statistics/1310965/online-banking-penetration-in-the-european-union/
Eurostat. "Penetration Rate of Online Banking in The European Union (Eu) from 2010 to 2025." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 17 Apr 2026, /statistics/1310965/online-banking-penetration-in-the-european-union/
Eurostat, Penetration rate of online banking in the European Union (EU) from 2010 to 2025 ÌÇÐÄÆƽâ°æ, /statistics/1310965/online-banking-penetration-in-the-european-union/ (last visited August 01, 2026)
Penetration rate of online banking in the European Union (EU) from 2010 to 2025 [Graph], Eurostat, April 17, 2026. [Online]. Available: /statistics/1310965/online-banking-penetration-in-the-european-union/
