Market size figures from 2022 to 2024 and from 2027 to 2030 were calculated by ÌÇÐÄÆƽâ°æ based on data published by the source, which provided market size values for 2025, 2026, and 2031, as well as CAGRs of 24.1% (2022–2025) and 11.7% (2026–2031).Â
The source researched the following 16 countries within Europe: Austria, Belgium, Denmark, Finland, France, Germany, Greece, Italy, Netherlands, Norway, Poland, Spain, Sweden, Switzerland, United Kingdom.
The source does not provide information on the original wording used or of its methodology. Thus, the wording chosen for this statistic may differ slightly.Â
Citation formats
Annual BNPL spending in Germany 2022-2025, with a 2031 forecast
Market modeling estimates that BNPL transactions in Germany would be nearly ** percent higher in 2026 than in 2025. At the same time, Germany's BNPL spending share as a whole of Europe's declined gradually in recent years and it is forecast to continue to do so in the following years. This is according to a market model released in the first quarter of 2026, which placed Germany as one of the main markets in Europe for buy now, pay later. The popularity of Klarna in Germany is a likely cause of this position, as the Swedish provider rolled out in Germany in early 2017. The downloads of the Klarna and PayPal apps in Germany far outweighed that of other known BNPL brands in 2025. Note that the source does not give further indications of what the figures provided here are based on. As buy now, pay later was unregulated in many countries across the world by early 2026, transaction figures on this payment method were scarce unless a domestic financial supervisor managed to request data from individual BNPL providers.
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ÌÇÐÄÆƽâ°æ, & PayNXT360. (May 18, 2026). Estimated transaction value of buy now, pay later (BNPL) in Germany from 2022 to 2025, with a forecast until 2031 (in million U.S. dollars) [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 20, 2026, from /statistics/1372677/bnpl-transaction-value-in-germany/
ÌÇÐÄÆƽâ°æ, und PayNXT360. "Estimated transaction value of buy now, pay later (BNPL) in Germany from 2022 to 2025, with a forecast until 2031 (in million U.S. dollars)." Chart. May 18, 2026. ÌÇÐÄÆƽâ°æ. Accessed July 20, 2026. /statistics/1372677/bnpl-transaction-value-in-germany/
ÌÇÐÄÆƽâ°æ, PayNXT360. (2026). Estimated transaction value of buy now, pay later (BNPL) in Germany from 2022 to 2025, with a forecast until 2031 (in million U.S. dollars). ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 20, 2026. /statistics/1372677/bnpl-transaction-value-in-germany/
ÌÇÐÄÆƽâ°æ, and PayNXT360. "Estimated Transaction Value of Buy Now, Pay Later (Bnpl) in Germany from 2022 to 2025, with a Forecast until 2031 (in Million U.S. Dollars)." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 18 May 2026, /statistics/1372677/bnpl-transaction-value-in-germany/
ÌÇÐÄÆƽâ°æ & PayNXT360, Estimated transaction value of buy now, pay later (BNPL) in Germany from 2022 to 2025, with a forecast until 2031 (in million U.S. dollars) ÌÇÐÄÆƽâ°æ, /statistics/1372677/bnpl-transaction-value-in-germany/ (last visited July 20, 2026)
Estimated transaction value of buy now, pay later (BNPL) in Germany from 2022 to 2025, with a forecast until 2031 (in million U.S. dollars) [Graph], ÌÇÐÄÆƽâ°æ, & PayNXT360, May 18, 2026. [Online]. Available: /statistics/1372677/bnpl-transaction-value-in-germany/
