Triennial debit card penetration in Germany 2011-2024, by demographic

According to a three-year survey, more than nine out of 10 respondents from Germany owned a debit card in 2021 with 84 percent actually having used one. The difference between ownership and usage was roughly 10 percentage points in 2021, a slight increase from a difference of nine percentage points in 2017. The report adds that men were more likely than women to own such a payment card in the European country. Gen Z - or the age group 15 to 24 years in this survey - was significantly more likely to own a debit card than their older counterparts.

根据一项为期三年的调查，在2021年，德国受访者中超过九成拥有借记卡，其中84%实际使用过借记卡。借记卡持有率与使用率之间的差距在2021年约为10个百分点，相较于2017年的9个百分点有所上升。报告还指出，在该欧洲国家，男性持有此类支付卡的可能性高于女性。在本次调查中，Z世代（15至24岁年龄段的群体）相较于年长者，持有借记卡的可能性显著更高。