Germany: mobile banking usage 2023

Mobile banking usage increased rapidly between 2019 and 2023 among bank account holders in Germany, with 50 percent of all bank account holders processing banking matters via mobile banking in the fourth quarter of 2023. According to Statista's Consumer Insights, the share of respondents who processed banking affairs via smartphone or tablet increased from 28 percent in 2019 to 50 percent in 2023. Despite the rapid increase of mobile banking usage, online banking remained the most popular method to process banking affairs in Germany.

Share of bank account holders processing banking matters via mobile banking (smartphone or tablet) in Germany from 1st half 2019 to 4th quarter 2023

Characteristic	Share of respondents
Q4 2023	50%
Q3 2023	49%
Q2 2023	48%
Q1 2023	47%
Q4 2022	46%
Q3 2022	46%
Q2 2022	44%
Q1 2022	42%
Q4 2021	40%
Q3 2021	39%
Q2 2021	39%
Q1 2021	39%
H2 2020	39%
H1 2020	34%
H2 2019	29%
H1 2019	28%

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Release date

February 2024

More information

Region

Germany

Survey time period

H1 2019 to Q4 2023

Number of respondents

5,922 respondents

Age group

18-64 years

Special properties

bank account holders

Method of interview

Online survey

Supplementary notes

The question was phrased by the source as follows: "How do you process your banking matters with the bank that you primarily use (e.g., transactions)? (multi-pick)." Multiple selections of the following answers were possible:
- In person in a branch
- Mobile (smartphone / tablet)
- Online (PC / laptop)
- Telephone banking
- Other
- Don't know

The number of respondents differs in each survey update. More information on the methodology can be found here.

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