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Digital banking in Europe

Statistics report on digital banking in Europe

This report examines Europe's digital banking landscape, beginning with a market overview and demographic analysis of user penetration rates. It then explores key financial metrics of digital banks, followed by detailed profiles of Europe's leading digital banking institutions. The analysis extends to digital payment trends and concludes with insights into consumer attitudes toward online banking services.

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Table of contents

Overview

5
  • Premium Statistic Number of digital banks worldwide 2025, by region
  • Premium Statistic Number of customers at selected digital banks worldwide 2025
  • Premium Statistic Online banking penetration in Europe 2025, by country
  • Premium Statistic Online banking penetration in the EU 2010-2024
  • Premium Statistic Value of online banking transactions as a share of GDP in Europe 2023, by country

User demographics

4
  • Premium Statistic Online banking penetration in the EU 2007-2024, by age
  • Premium Statistic Online banking penetration in the EU 2007-2024, by gender
  • Premium Statistic Online banking penetration in the EU 2007-2024, by education
  • Premium Statistic Online banking penetration in the EU 2007-2024, by area type

Financial performance of digital banks

7
  • Premium Forecast Net interest income of digital banks in Europe 2017-2030
  • Premium Statistic Digital banks net interest income change in Europe 2018-2030
  • Premium Forecast Value of deposits at digital banks in Europe 2017-2030
  • Premium Statistic Value of loans in Europe 2017-2029, by segment
  • Premium Statistic Revenues per customer of selected leading digital banks worldwide 2024
  • Premium Statistic Gross profit of selected leading digital banks worldwide 2024
  • Premium Statistic Cost per customer of selected leading digital banks worldwide 2023

Leading digital banks

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  • Premium Statistic Largest digital banks in Europe 2025, by assets
  • Premium Statistic Leading digital banks in Europe 2025, by net profit
  • Premium Statistic Number of customers at selected digital banks in Europe 2026
  • Premium Statistic Largest digital banks in Europe 2026, by funding amount
  • Basic Statistic Largest digital banks in Europe 2025, by number of countries of operation
  • Premium Statistic Leading online bank unicorns in Europe 2025, by market value
  • Premium Statistic Number of downloads of leading digital banking apps in Europe 2015-2024, by bank
  • Premium Statistic Monthly active users of leading digital banks in Europe 2024

Digital payments

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  • Basic Statistic Triennial share of cash at POS in the euro area 2019-2024, by country
  • Basic Statistic Annual number of card payments at POS terminals in the EU-27 2000-2023, by country
  • Basic Statistic Annual value of card payments at POS terminals in EU-27 2000-2024, by country
  • Basic Statistic Triennial share of contactless at POS in the euro area 2019-2022, by country
  • Premium Statistic Leading factors in choosing online payment methods in 7 countries in Europe NA 2024

Consumer attitudes

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  • Premium Statistic Online banking adoption across different banking services in Europe 2024, by country
  • Premium Statistic Customer attitude towards online finance in Europe 2024, by country
  • Premium Statistic Customer attitude towards mobile finance in Europe 2024, by country
  • Premium Statistic Main reasons to deposit paychecks into neobanks in Europe and North America 2024
  • Premium Statistic Attitudes towards neobanking and neobrokerage in the UK 2025
  • Premium Statistic Attitudes towards neobanking and neobrokerage in Germany 2025
  • Premium Statistic Most important brand qualities of neobanking and neobrokerage in the UK 2024
  • Premium Statistic Most important brand qualities of neobanking and neobrokerage in Germany 2024
  • Premium Statistic Neobanking and neobrokerage popularity in the UK 2025, by brand
  • Premium Statistic Neobanking and neobrokerage popularity in Germany 2025, by brand
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