Daily average number cross-border TARGET2-LU payments Luxembourg 2008-2020, by type

The daily average number of processed cross-border payments in Luxembourg through RTGS kept on increasing in 2020. TARGET2 is a system that is used by European central banks and commercial banks to process payment orders in real time (also known as real-time gross settlement or RTGS). In essence, the system allows for the free flow of large-value money transactions between banks from different countries and a harmonized monetary policy in Europe. Retail payments, such as payments with credit cards, are processed by another system though: the Single Euro Payments Area or SEPA.TARGET2-LU is the Luxembourg component of the TARGET2-system. In 2018, the system processed approximately 5,300 cross-border payments per day. Like in other European countries, credit and debit cards are a popular form of digital payment methods for either physical purchases in brick-and-mortar-stores or for online purchases. In 2017, there were approximately 19 POS transactions per card in Luxembourg, compared to 123 in the Netherlands and 75 in Belgium.

2020年，卢森堡通过实时全额结算系统（RTGS）处理的跨境支付日均数量持续攀升。TARGET2系统，为欧洲央行及商业银行实时处理支付指令所采用（亦称实时全额清算或RTGS），本质上，该系统保障了不同国家间银行间大额货币交易的自由流通，并促进了欧洲货币政策的协调一致。零售支付，如信用卡支付，则通过另一系统处理：单一欧元支付区（SEPA）。TARGET2-LU是TARGET2系统的卢森堡组成部分。2018年，该系统每日处理约5300笔跨境支付。与其他欧洲国家类似，信用卡在实体店购物或在线购物中均成为流行的数字支付手段。2017年，卢森堡每张信用卡的POS交易量约为19笔，而在荷兰为123笔，在比利时为75笔。