The question was phrased by the source as follows: "How do you process your banking matters with the bank that you primarily use (e.g., transactions)? (multi-pick)." Multiple selections of the following answers were possible:
- In person in a branch
- Mobile (smartphone / tablet)
- Online (PC / laptop)
- Telephone banking
- Other
- Don't know
The number of respondents differs in each survey update. More information on the methodology can be found here.
Citation formats
Quarterly online banking usage in Germany 2019-2025
The share of bank account holders who processed banking matters via online banking (PC or laptop) decreased notably in Germany between 2019 and 2025. According to ÌÇÐÄÆƽâ°æ's Consumer ÌÇÐÄÆƽâ°æ, the share of bank account holders who processed banking affairs via PC or laptop dropped from ** percent in 2019 to ** percent in the third quarter of 2025. With the decreasing usage of online banking, mobile banking emerged as the primary method to process banking affairs in Germany.
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ÌÇÐÄÆƽâ°æ. (October 22, 2025). Share of bank account holders processing banking matters via online banking (PC or laptop) in Germany from 1st half 2019 to 3rd quarter 2025 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 20, 2026, from /statistics/1395149/online-banking-penetration-in-germany/
ÌÇÐÄÆƽâ°æ. "Share of bank account holders processing banking matters via online banking (PC or laptop) in Germany from 1st half 2019 to 3rd quarter 2025." Chart. October 22, 2025. ÌÇÐÄÆƽâ°æ. Accessed July 20, 2026. /statistics/1395149/online-banking-penetration-in-germany/
ÌÇÐÄÆƽâ°æ. (2025). Share of bank account holders processing banking matters via online banking (PC or laptop) in Germany from 1st half 2019 to 3rd quarter 2025. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 20, 2026. /statistics/1395149/online-banking-penetration-in-germany/
ÌÇÐÄÆƽâ°æ. "Share of Bank Account Holders Processing Banking Matters via Online Banking (Pc or Laptop) in Germany from 1st Half 2019 to 3rd Quarter 2025." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 22 Oct 2025, /statistics/1395149/online-banking-penetration-in-germany/
ÌÇÐÄÆƽâ°æ, Share of bank account holders processing banking matters via online banking (PC or laptop) in Germany from 1st half 2019 to 3rd quarter 2025 ÌÇÐÄÆƽâ°æ, /statistics/1395149/online-banking-penetration-in-germany/ (last visited July 20, 2026)
Share of bank account holders processing banking matters via online banking (PC or laptop) in Germany from 1st half 2019 to 3rd quarter 2025 [Graph], ÌÇÐÄÆƽâ°æ, October 22, 2025. [Online]. Available: /statistics/1395149/online-banking-penetration-in-germany/
