Annual number of e-money transactions in the EU-27 as a whole 2000-2023

E-money transactions made in the EU grew by over 13 percent in 2022, a significant slowdown in growth compared to previous years. Approximately 8.4 billion e-money purchases were made that year, even though this was more than double the amount recorded in 2018. It should be noted that "e-money", or electronic money, is not necessarily the same as "digital payments". E-money refers to the prepaid storage of money on either a hardware (chip card, magnetic devices) or software device. Mobile proximity digital payments refers to the use of wallets such as Apple Pay in a store. The source, in its definition of "e-money", does not distinguish between hardware and software. Within the EU, Luxembourg sees a significant amount of e-money transactions.

2022年，欧盟地区的电子货币交易额增长了超过13%，相较于前几年，增长速度明显放缓。当年共完成了约84亿笔电子货币购买，尽管这一数字是2018年记录数量的两倍以上。值得注意的是，“电子货币”或称电子货币，并不等同于“数字支付”。“电子货币”是指存储在硬件（芯片卡、磁卡设备）或软件设备上的预付费货币。移动近距离数字支付则是指如Apple Pay等钱包在商店中的使用。在定义“电子货币”时，数据来源并未对硬件和软件进行区分。在欧洲联盟内部，卢森堡的电子货币交易量尤为显著。