Commentary on payment statistics

2025 H2

Numbers of cards and accepting devices

The total number of cards (irrespective of their number of functions) and the number of payment terminals again recorded year-on-year growth in 2025 H2. For the first time since 2017, the number of ATMs fell below 5,000.

The total number of cards (irrespective of their number of functions) issued by Czech banks and foreign bank branches operating in the Czech Republic rose, exceeding 17.4 million at the end of 2025. Of this number, more than 16.1 million were debit cards. The number of credit cards increased slightly, exceeding 1.3 million. These data exclude payment cards issued by foreign payment service providers.

The number of ATMs operated by Czech banks has been slightly declining since the end of 2021. At the end of 2025, there were 4,900 ATMs in the Czech Republic. Of this total number, almost 98% were ATMs with a cash withdrawal function at the end of 2025. These data exclude institutions not authorised to provide payment services which operate ATMs in the Czech Republic (this is because ATM operation per se is not a payment service).

The number of point-of-sale (POS) terminals issued by a Czech acquirer rose to 285,000 at the end of 2025 compared with 2025 H1. However, these data include terminals operated by Czech entities abroad.

Chart 1: Total number of cards (irrespective of their number of functions) (in millions) and number of ATMs (in units) 

Chart 1: Number of ATMs and number of cards with a payment function

Source: ARAD data series system

Numbers of payments by payment service type

The numbers of most types of outgoing payments increase regularly. The number of direct debits fell slightly to 38.4 million in 2025 H2.

The number of credit transfers has exceeded 300 million in each quarter since 2022 Q1. In 2025 Q4, it reached 431.1 million. Within credit transfers, the number of credit transfers initiated in a file/batch exceeds 100 million in each half-year. Credit transfers initiated on a single payment basis are increasing and reached 614.0 million in 2025 H2. The number of fraudulent credit transfers declined by 7,000 between 2023 and 2024. It reached 28,000 in 2025 as a whole, a year-on-year increase of 2,000 transactions.

The number of payments using cards issued by resident payment service providers is rising and exceeded 3.3 billion in 2025, of which 195,000 were fraudulent payments. The figure for 2024 as a whole was almost 3 billion, of which 232,000 were fraudulent payments. Of the total number of payment card transactions, 95% were conducted using debit cards in 2025.

The number of cash withdrawals using cards issued by resident payment service providers fell slightly from 158 million in 2023 to 151 million in 2024. The figure for 2025 was 140.4 million withdrawals. Just under 2,000 a year are fraudulent cash withdrawals using cards issued by resident payment service providers.

Chart 2: Number of credit transfers and number of card payments (in millions)

Chart 2: Number of credit transfers and number of card payments

Source: ARAD data series system

Payment values by payment service type

The value of credit transfers edged down year on year. By contrast, the values of payments using cards issued by resident payment service providers increased.

The value of credit transfers rose to CZK 164.5 trillion year on year in 2024 and reached CZK 162.0 trillion in 2025, of which just under CZK 1.8 billion were fraudulent credit transfers. The value of direct debits increased slightly to CZK 391.8 billion in 2025 compared with 2024.

The value of payments using cards issued by resident banks, foreign bank branches and payment institutions (except cards with an e-money function only) increased year on year, reaching almost CZK 2 trillion in 2025 (of which CZK 408.6 million were fraudulent payments). Of the total value, the value of debit card payments was CZK 1.8 trillion. The value of credit card payments amounted to almost CZK 127.8 billion.

The value of cash withdrawals using cards issued by resident payment service providers rose slightly from CZK 922 billion in 2023 to CZK 925 billion in 2024. The value for 2025 was CZK 922 billion. Of this amount, fraudulent cash withdrawals using cards issued by resident payment service providers decreased by CZK 8.9 million between 2024 and 2025, reaching almost CZK 41 million in 2025.

Chart 3: Value of debit and credit card payments (in CZK billions)

Chart 3: Value of debit and credit card payments

Source: ARAD data series system

Numbers of over-the-counter transactions and by type of accepting device

The number of transactions at resident terminals using cards issued by residents increased, exceeding 2 billion in 2025. The number of transactions at resident terminals using cards issued by non-residents also went up. The number of cash withdrawals fell between 2024 and 2025, as did the number of deposits.

The number of transactions at resident accepting devices using cards issued by residents rose from 1.5 billion in 2022 to 1.7 billion in 2023. It increased further to more than 1.9 billion in 2024. In 2025, 2 billion transactions were recorded. Of this number, ATM withdrawals were flat at 139 million between 2022 and 2023. In 2024, they reached almost 137 million. Almost 129 million withdrawals were recorded in 2025.

The number of transactions at resident accepting devices using cards issued by non-residents, which were mainly payments by foreign visitors, rose to 146 million between 2022 and 2023 and reached almost 173 million in 2024 and 210.2 million in 2025. The number of transactions using cards issued by residents at non-resident accepting devices (comprising both ATM and POS transactions) went up by 103 million between 2022 and 2023 and reached 446 million in 2023. It exceeded 526 million in 2024 and 644 million in 2025.

The number of over-the-counter cash deposits totalled 26 million in 2024 and 22.1 million in 2025. The number of over-the-counter cash withdrawals was almost 4.5 million in 2025, the lowest figure since this indicator started to be monitored.

Values of over-the-counter transactions and by type of accepting device

The total value of cash withdrawals from ATMs (irrespective of whether the card or ATM was a resident one) increased between 2024 and 2025. The value of transactions at resident accepting devices using cards issued by non-residents also went up.

The total value of transactions at resident accepting devices using cards issued by residents rose year on year, exceeding CZK 2.2 trillion in 2024. The value for 2025 was CZK 2.3 trillion, of which ATM withdrawals amounted to almost CZK 857 billion in 2025. ATM deposits (except e-money transactions) accounted for CZK 521 billion in 2024, up by CZK 32 billion year on year. The value for 2025 was almost CZK 535 billion. POS transactions rose by CZK 29.2 billion between 2024 and 2025, reaching just under CZK 894.4 billion.

The value of transactions at resident accepting devices using cards issued by non-residents increased year on year from CZK 136 billion in 2023 to CZK 171 billion in 2024 and exceeded CZK 194 billion in 2025. The value of transactions at non-resident accepting devices using cards issued by residents also rose year on year, up from CZK 253 billion in 2023 to CZK 277 billion in 2024. It exceeded CZK 311 billion in 2025. Of this amount, ATM cash withdrawals amounted to almost CZK 21 billion in the last year under review.

The value of over-the-counter cash deposits fell by CZK 41 billion year on year to CZK 554 billion in 2024. It reached CZK 509.4 billion in 2025. The value of over-the-counter cash withdrawals continues to decline. It fell from CZK 348 billion in 2023 to CZK 312 billion in 2024. The value for 2025 was just under CZK 298 billion.

Chart 4: Value of ATM cash withdrawals (residents using a resident card) (in CZK billions)

Chart 4: Value of ATM cash withdrawals (residents using a resident card)

Source: ARAD data series system

Notes: