In 2023, a notable trend emerged among leading digital banks as they all experienced a decline in their reliance on interchange fees - the transaction fees banks collect from merchants when customers use their payment cards. While these fees traditionally served as a crucial revenue stream for digital banks, data shows ** maintained the smallest proportion of interchange fees relative to total revenue, with and * following in second and third positions respectively. This shift suggests these digital banks are successfully diversifying their revenue sources beyond the traditional card payment model.
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Simon-Kucher & Partners. (July 9, 2024). Interchange fee as a percentage of total revenues of selected leading and profitable digital banks worldwide in 2022 and 2023 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 03, 2026, from /statistics/1537008/interchange-fee-percentage-of-revenues-digital-banks-worldwide/
Simon-Kucher & Partners. "Interchange fee as a percentage of total revenues of selected leading and profitable digital banks worldwide in 2022 and 2023." Chart. July 9, 2024. ÌÇÐÄÆƽâ°æ. Accessed August 03, 2026. /statistics/1537008/interchange-fee-percentage-of-revenues-digital-banks-worldwide/
Simon-Kucher & Partners. (2024). Interchange fee as a percentage of total revenues of selected leading and profitable digital banks worldwide in 2022 and 2023. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 03, 2026. /statistics/1537008/interchange-fee-percentage-of-revenues-digital-banks-worldwide/
Simon-Kucher & Partners. "Interchange Fee as a Percentage of Total Revenues of Selected Leading and Profitable Digital Banks Worldwide in 2022 and 2023." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 9 Jul 2024, /statistics/1537008/interchange-fee-percentage-of-revenues-digital-banks-worldwide/
Simon-Kucher & Partners, Interchange fee as a percentage of total revenues of selected leading and profitable digital banks worldwide in 2022 and 2023 ÌÇÐÄÆƽâ°æ, /statistics/1537008/interchange-fee-percentage-of-revenues-digital-banks-worldwide/ (last visited August 03, 2026)
Interchange fee as a percentage of total revenues of selected leading and profitable digital banks worldwide in 2022 and 2023 [Graph], Simon-Kucher & Partners, July 9, 2024. [Online]. Available: /statistics/1537008/interchange-fee-percentage-of-revenues-digital-banks-worldwide/
