Betaalvereniging Nederland Annual Report 2025 (Betaalvereniging Nederland)

Summary

• Debit card payments at the point of sale reached 5.83 billion in 2025, a marginal increase of 1.2%.p.23
• 95% of all debit card payments were made contactless.p.23
• E-commerce payments totalled 347 million transactions in 2025, with spending down 1% to €35.7 billion.p.25
• iDEAL was used 1.56 billion times for €157 billion in 2025, with a 71% share of e-commerce payments.p.25
• Online banking availability was 99.88% and mobile banking 99.86%, versus 99.96% in 2024.p.31
• Digital direct debit mandates (DIM) rose to 1.99 million at the end of 2025, with the success rate improving from 46% to 70%.p.35

Key insights

1. EU law required banks to receive instant payments in euros from January 2025 and send them from October 2025.p.15
2. There were 31.4 million card refunds in 2025.p.23
3. More than 20% of Maestro and V PAY debit cards had been replaced by Debit Mastercard or Visa Debit cards by year end.p.23
4. Online card payments numbered 73.3 million for a total of €6.95 billion.p.25
5. The number of major disruptions where more than 5 percent of transactions failed fell from two to one.p.30
6. The Switching Service recorded 42,450 users in 2025.p.27
7. 22 payment institutions participated in the PI-ISAC in 2025.p.32