Suche
Austria remains in cash: digital payment transactions stagnated!
The Global Payments Report 2025 shows that Austria is still cash fan, despite growing digital payments worldwide.
Austria remains in cash: digital payment transactions stagnated!
The Global Payments Report 2025 of the Boston Consulting Group (BCG) shows that growth in the area of digital payments increases worldwide, while the market in Austria is slowly progressing. Based on current data, an average of 314 digital transactions per capita and year take place in Austria. The country is therefore below the average of the 27 EU countries, which is around 380 digital transactions per person. With around 800 digital transactions per capita and year, Norway leads the ranking. By 2029, an increase to around 440 digital payments per capita in Austria will be predicted, which is still comparatively low.
The efforts to promote digital payment methods have achieved restricted success in Austria. Markus Ampenberger, an expert in payment transactions, emphasizes that many Austrians still prefer cash, which is a challenge for the industry. In addition, it is expected that annual growth in digital payment transactions will decrease to 4 percent by 2029, compared to around 9 percent recently. The forecast total of digital payment transactions in Austria is expected to reach around $ 2.4 trillion (a good 2 trillion euros) by 2029. Despite these forecasts, growth is considered behavior.
Market structure and future developments
The total transaction volume in the digital payment market in Austria is expected to be around 50.91 billion euros in 2025. This represents an important segment in digital payment transactions, which includes consumer transactions via the Internet, digital payments at the POS and digital transfers. Particularly noteworthy is the area of mobile POS payments, which is to reach sales of 31.82 billion euros by 2025.
- Marktsegmente:
- Digitaler Handel
- Mobile PoS-Zahlungen
- Digitale Überweisungen
Annualized growth rates of 17.29 percent from 2025 to 2030 will be forecast for the future. This development is seen in the context of an increasing need for convenience and speed of digital payments, especially for younger generations. The market structure is shaped by e-commerce, mobile payments and contactless payments, with fintech startups and technologies such as blockchain play an important role.
Austria in international comparison
In an international context, Austria moderates moderately in the field of digital payments. In comparison to Germany, where the overall transaction volume in the 2025 digital Payment market is to reach around 245.28 billion euros, Austria remains significantly after. The forecast for Germany by 2030 provides for a total volume of 538.08 billion euros, which indicates annual growth of 16.95 percent. In Germany, too, mobile POS payments with an expected volume of 153.30 billion euros in 2025 are leading.
China remains undisputed by the global leader and achieved an impressive overall transaction volume of 8.46 trillion euros in 2025. The Asia-Pacific region is expected to represent the globally dominating market in digital payment transactions, followed by North America and Europe.
The digital payment market is further advanced through continuous partnerships between payment service providers and the implementation of advanced technologies such as AI and Blockchain. In this dynamically developing environment, the Austrian market will keep an eye on in order to be able to react to changes.
Exxpress.at,,
statista.com (Austria),,
statista.com (Germany)