Europe: mobile banking penetration 2013-2014

This statistic presents the mobile banking penetration in selected European countries in 2013 and 2014. During the survey period in March 2014, it was found that the mobile banking penetration in Germany amounted to 34 percent in 2014, compared to 33 percent in 2013.

Mobile banking – additional information

The development of the telecommunication technologies, especially in the mobile phone sector, has dramatically influenced the usage of mobile phones for various purposes, banking being one of them. Mobile banking is often referred to the use of a smartphone or other cellular device to perform online banking tasks such as monitoring account balances, transferring funds between accounts, bill payment and locating an ATM.

Mobile banking penetration rates vary among European countries. In France, only 22 percent of population accessed mobile banking in 2014. Turkey, on the other hand, was ranked first with a 56 percent mobile banking penetration rate. In total, 38 percent of European consumers accessed mobile banking services.

Majority of the Europeans admitted that mobile banking improved their money management due to increased control over their finances. The features such as intelligent management tools, enhancing the usability of mobile banking, are also in demand in the European markets.

The ease of access to the financial and banking information, however, raises questions regarding the security and privacy of the technology. The concerns about the security of mobile banking refrain a big share of phone users from performing banking operations on their mobile devices. The enhancement of security in mobile banking has therefore become one of the bank technology development focuses.

Mobile banking penetration in selected European countries in 2013 and 2014

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Release date

May 2014



Survey time period

March 2014

Supplementary notes

2013 n = 11,724.
2014 n = 12,102.

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