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Penetration rate of online banking in Germany from 2013 to 2025, by area type

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Source

Release date

April 2026

Region

Germany

Survey time period

2013 to 2025

Supplementary notes

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. 

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. 

*Represents a break in time series.

Citation formats

Online banking penetration in Germany 2013-2025, by area type

Published by ÌÇÐÄÆƽâ°æ Research Department, Jul 22, 2026

In 2025, individuals living in German cities had the highest online banking adoption rate, with a penetration rate exceeding percent. Towns and suburbs recorded the lowest rate at percent, while rural areas maintained a stronger presence with over percent of residents using online banking services, showing significant growth from previous years.

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