Europe: online banking penetration by country 2025| ��ƽ��

Penetration rate of online banking in Europe in 2025, by country

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Sources

Release date

December 2025

More information

Region

Europe

Survey time period

2025

Age group

16 to 74 years

Method of interview

Questionnaire

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.

*2024 is the last data published by the source.

**The United Kingdom is excluded from the original source. The figure is drawn from a using a different methodology and the latest available data (2024). That source defines the measure as “online or remote banking.” Data were collected via a nationally representative survey of adults aged 18+ conducted in January 2025, with 2,000 respondents across Great Britain, using quotas for gender, age, and region.

Citation formats

Digital banking adoption has reached remarkable levels across Europe in recent years, with the Nordic region leading this transformation in 2025. Denmark recorded the highest share of online banking users at percent of the population, followed by Norway at percent and the Netherlands at percent. These figures indicate a high degree of penetration of digital banking services in Northern Europe, reflecting long-standing investment in digital infrastructure and consistently high levels of digital literacy. At the European Union level, the average share of individuals using online banking reached percent in 2025, continuing an upward trend and representing nearly a twofold increase compared with 2010.

Digital banks on the rise

The rise of digital-only banks has reshaped parts of the global banking sector, with these institutions steadily increasing their market presence. Several largest digital banks now report user bases exceeding 100 million, indicating broad uptake of app-based financial services across multiple regions. In Europe, growth has been particularly pronounced among a small number of leading digital banks, including Revolut. The UK-based neobank has expanded its customer base rapidly over recent years, reaching more than ** million users by 2025, reflecting continued demand for low-cost, mobile-first banking services.

Attitude toward digital banks in the U.S.

Opinions on digital banks in the U.S. vary widely within the banking industry, with a growing number of bank executives viewing them as a significant threat to traditional banking models. The rapid rise of digital banks has prompted concerns about market disruption and competition, as these agile fintech players offer innovative solutions and attract a sizable customer base. In the U.S., awareness, popularity, and usage of leading neobanking and neobrokerage apps have steadily increased, underscoring the shifting preferences of consumers towards digital financial services. As digital banks continue to gain traction and reshape the industry landscape, traditional financial institutions are facing pressure to adapt and innovate to remain competitive in the evolving market.