tin00099 · 2014–2025

Individuals using the internet for internet banking

Eurostat tin00099 — Individuals using the internet for internet banking. Data range: 2014 to 2025.

At a glance

In 2025, the EU-27 figure for individuals using the internet for internet banking was 69.7 .

That is a 3.6% rose versus 2024 (67.2).

Over the five years before that, the EU-27 aggregate moved 20.7% higher.

Across member states, Denmark reported the highest value (97.6, 2025) and Romania the lowest (31.0, 2025) — a ratio of 3.2× between the two ends of the range.

The figures below come from Eurostat dataset tin00099; every value links back to the canonical source.

EU-27 · 2025
69.7
HIGHEST · 2025
Denmark
97.6
LOWEST · 2025
Romania
31.0

Map · 2025

Finland: 95.5 FI 95.5 Sweden: 82.0 SE 82.0 Denmark: 97.6 DK 97.6 Estonia: 87.3 EE 87.3 Ireland: 95.2 IE 95.2 Netherlands: 95.5 NL 95.5 Germany: 70.7 DE 70.7 Poland: 58.2 PL 58.2 Latvia: 86.0 LV 86.0 Belgium: 79.3 BE 79.3 Luxembourg: 74.4 LU 74.4 Czechia: 84.9 CZ 84.9 Slovakia: 60.5 SK 60.5 Lithuania: 79.3 LT 79.3 France: 78.3 FR 78.3 Austria: 79.0 AT 79.0 Hungary: 69.2 HU 69.2 Romania: 31.0 RO 31.0 Portugal: 65.2 PT 65.2 Spain: 74.8 ES 74.8 Italy: 56.4 IT 56.4 Slovenia: 65.6 SI 65.6 Bulgaria: 31.1 BG 31.1 Cyprus: 78.1 CY 78.1 Malta: 77.6 MT 77.6 Croatia: 65.8 HR 65.8 Greece: 63.0 EL 63.0
31.0 97.6

Ranking · 2025

Denmark DK 97.61 Netherlands NL 95.55 Finland FI 95.51 Ireland IE 95.17 Estonia EE 87.33 Latvia LV 86.04 Czechia CZ 84.87 Sweden SE 81.98 Belgium BE 79.3 Lithuania LT 79.28 Austria AT 79.04 France FR 78.33 Cyprus CY 78.1 Malta MT 77.56 Spain ES 74.77 Luxembourg LU 74.41 Germany DE 70.71 European Union (27) EU 69.66 Hungary HU 69.17 Croatia HR 65.81 Slovenia SI 65.61 Portugal PT 65.24 Greece EL 63.02 Slovakia SK 60.52 Poland PL 58.17 Italy IT 56.37 Bulgaria BG 31.08 Romania RO 30.97
2025 ranking · 28 countries

Time series · top 12 countries + EU-27

38.96 54.49 70.03 85.56 101 2014 2016 2017 2019 2020 2022 2023 2025 Denmark Netherlands Finland Ireland Estonia Latvia Czechia Sweden Belgium Lithuania Austria France European Union (27) Individuals using the internet for internet banking (value) DK NL FI IE EE LV CZ SE BE LT AT FR EU27_2020
  • Denmark 97.61
  • Netherlands 95.55
  • Finland 95.51
  • Ireland 95.17
  • Estonia 87.33
  • Latvia 86.04
  • Czechia 84.87
  • Sweden 81.98
  • Belgium 79.3
  • Lithuania 79.28
  • Austria 79.04
  • France 78.33
  • European Union (27) 69.66

Country × year heatmap · all values

201420152016201720182019202020212022202320242025 Austria AT Austria · 2014: 48.0 Austria · 2015: 51.0 Austria · 2016: 53.3 Austria · 2017: 57.5 Austria · 2018: 58.4 Austria · 2019: 62.8 Austria · 2020: 65.8 Austria · 2021: 71.3 Austria · 2022: 73.1 Austria · 2023: 77.2 Austria · 2024: 78.2 Austria · 2025: 79.0 Belgium BE Belgium · 2014: 61.2 Belgium · 2015: 62.3 Belgium · 2016: 64.5 Belgium · 2017: 66.6 Belgium · 2018: 68.7 Belgium · 2019: 71.2 Belgium · 2020: 75.3 Belgium · 2021: 75.3 Belgium · 2022: 79.5 Belgium · 2023: 79.6 Belgium · 2024: 83.3 Belgium · 2025: 79.3 Bulgaria BG Bulgaria · 2014: 4.7 Bulgaria · 2015: 5.3 Bulgaria · 2016: 4.4 Bulgaria · 2017: 5.5 Bulgaria · 2018: 7.4 Bulgaria · 2019: 8.6 Bulgaria · 2020: 12.6 Bulgaria · 2021: 14.9 Bulgaria · 2022: 22.4 Bulgaria · 2023: 23.4 Bulgaria · 2024: 31.3 Bulgaria · 2025: 31.1 Croatia HR Croatia · 2014: 19.1 Croatia · 2015: 32.9 Croatia · 2016: 38.3 Croatia · 2017: 33.3 Croatia · 2018: 40.7 Croatia · 2019: 46.5 Croatia · 2020: 50.1 Croatia · 2021: 55.5 Croatia · 2022: 58.0 Croatia · 2023: 61.9 Croatia · 2024: 61.5 Croatia · 2025: 65.8 Cyprus CY Cyprus · 2014: 24.2 Cyprus · 2015: 20.5 Cyprus · 2016: 27.7 Cyprus · 2017: 27.6 Cyprus · 2018: 33.3 Cyprus · 2019: 40.5 Cyprus · 2020: 52.1 Cyprus · 2021: 64.7 Cyprus · 2022: 63.9 Cyprus · 2023: 70.9 Cyprus · 2024: 80.5 Cyprus · 2025: 78.1 Czechia CZ Czechia · 2014: 46.0 Czechia · 2015: 48.4 Czechia · 2016: 51.4 Czechia · 2017: 56.5 Czechia · 2018: 62.4 Czechia · 2019: 68.0 Czechia · 2020: 69.7 Czechia · 2021: 72.8 Czechia · 2022: 77.1 Czechia · 2023: 79.8 Czechia · 2024: 83.6 Czechia · 2025: 84.9 Denmark DK Denmark · 2014: 84.3 Denmark · 2015: 84.9 Denmark · 2016: 87.9 Denmark · 2017: 89.8 Denmark · 2018: 89.5 Denmark · 2019: 90.8 Denmark · 2020: 94.3 Denmark · 2021: 94.6 Denmark · 2022: 94.3 Denmark · 2023: 96.2 Denmark · 2024: 97.8 Denmark · 2025: 97.6 Estonia EE Estonia · 2014: 76.6 Estonia · 2015: 80.7 Estonia · 2016: 78.6 Estonia · 2017: 79.2 Estonia · 2018: 80.4 Estonia · 2019: 80.7 Estonia · 2020: 79.8 Estonia · 2021: 81.5 Estonia · 2022: 83.4 Estonia · 2023: 84.9 Estonia · 2024: 83.4 Estonia · 2025: 87.3 Finland FI Finland · 2014: 85.6 Finland · 2015: 85.7 Finland · 2016: 86.4 Finland · 2017: 87.4 Finland · 2018: 88.7 Finland · 2019: 90.7 Finland · 2020: 92.2 Finland · 2021: 93.3 Finland · 2022: 94.7 Finland · 2023: 94.5 Finland · 2024: 95.0 Finland · 2025: 95.5 France FR France · 2014: 57.6 France · 2015: 58.3 France · 2016: 59.4 France · 2017: 62.0 France · 2018: 63.5 France · 2019: 65.5 France · 2021: 71.6 France · 2022: 67.9 France · 2023: 72.4 France · 2024: 71.9 France · 2025: 78.3 Germany DE Germany · 2014: 48.8 Germany · 2015: 51.0 Germany · 2016: 53.0 Germany · 2017: 55.6 Germany · 2018: 58.8 Germany · 2019: 61.1 Germany · 2020: 64.9 Germany · 2021: 50.4 Germany · 2022: 48.6 Germany · 2023: 57.2 Germany · 2024: 66.9 Germany · 2025: 70.7 Greece EL Greece · 2014: 13.1 Greece · 2015: 13.9 Greece · 2016: 19.2 Greece · 2017: 25.1 Greece · 2018: 27.3 Greece · 2019: 30.5 Greece · 2020: 36.5 Greece · 2021: 42.4 Greece · 2022: 49.8 Greece · 2023: 52.0 Greece · 2024: 54.1 Greece · 2025: 63.0 Hungary HU Hungary · 2014: 30.5 Hungary · 2015: 33.8 Hungary · 2016: 35.3 Hungary · 2017: 37.7 Hungary · 2018: 41.3 Hungary · 2019: 46.7 Hungary · 2020: 51.3 Hungary · 2021: 56.0 Hungary · 2022: 61.0 Hungary · 2023: 65.5 Hungary · 2024: 66.8 Hungary · 2025: 69.2 Ireland IE Ireland · 2014: 48.1 Ireland · 2015: 51.5 Ireland · 2016: 52.3 Ireland · 2017: 57.6 Ireland · 2018: 57.7 Ireland · 2019: 67.4 Ireland · 2020: 69.0 Ireland · 2021: 76.9 Ireland · 2022: 82.9 Ireland · 2023: 83.8 Ireland · 2024: 86.7 Ireland · 2025: 95.2 Italy IT Italy · 2014: 26.1 Italy · 2015: 28.1 Italy · 2016: 29.0 Italy · 2017: 30.8 Italy · 2018: 33.8 Italy · 2019: 36.3 Italy · 2020: 39.5 Italy · 2021: 45.1 Italy · 2022: 48.4 Italy · 2023: 51.5 Italy · 2024: 55.0 Italy · 2025: 56.4 Latvia LV Latvia · 2014: 56.8 Latvia · 2015: 64.3 Latvia · 2016: 62.1 Latvia · 2017: 61.2 Latvia · 2018: 66.3 Latvia · 2019: 71.6 Latvia · 2020: 76.4 Latvia · 2021: 80.2 Latvia · 2022: 82.5 Latvia · 2023: 83.7 Latvia · 2024: 85.0 Latvia · 2025: 86.0 Lithuania LT Lithuania · 2014: 53.6 Lithuania · 2015: 50.2 Lithuania · 2016: 54.2 Lithuania · 2017: 56.2 Lithuania · 2018: 60.6 Lithuania · 2019: 64.7 Lithuania · 2020: 67.6 Lithuania · 2021: 72.4 Lithuania · 2022: 74.8 Lithuania · 2023: 75.7 Lithuania · 2024: 79.6 Lithuania · 2025: 79.3 Luxembourg LU Luxembourg · 2014: 66.5 Luxembourg · 2015: 65.1 Luxembourg · 2016: 70.9 Luxembourg · 2017: 76.4 Luxembourg · 2018: 67.7 Luxembourg · 2019: 70.6 Luxembourg · 2020: 70.6 Luxembourg · 2021: 71.8 Luxembourg · 2022: 70.0 Luxembourg · 2023: 71.1 Luxembourg · 2024: 76.1 Luxembourg · 2025: 74.4 Malta MT Malta · 2014: 45.0 Malta · 2015: 47.5 Malta · 2016: 47.0 Malta · 2017: 50.0 Malta · 2018: 50.9 Malta · 2019: 53.9 Malta · 2020: 60.3 Malta · 2021: 62.8 Malta · 2022: 66.3 Malta · 2023: 68.0 Malta · 2024: 74.4 Malta · 2025: 77.6 Netherlands NL Netherlands · 2014: 83.4 Netherlands · 2015: 84.5 Netherlands · 2016: 84.7 Netherlands · 2017: 88.9 Netherlands · 2018: 88.9 Netherlands · 2019: 90.6 Netherlands · 2020: 89.4 Netherlands · 2021: 90.8 Netherlands · 2022: 90.7 Netherlands · 2023: 95.1 Netherlands · 2024: 96.3 Netherlands · 2025: 95.5 Poland PL Poland · 2014: 32.6 Poland · 2015: 31.2 Poland · 2016: 39.1 Poland · 2017: 39.8 Poland · 2018: 44.0 Poland · 2019: 47.3 Poland · 2020: 49.5 Poland · 2021: 52.2 Poland · 2022: 55.5 Poland · 2023: 59.1 Poland · 2024: 56.8 Poland · 2025: 58.2 Portugal PT Portugal · 2014: 25.3 Portugal · 2015: 28.2 Portugal · 2016: 28.9 Portugal · 2017: 31.3 Portugal · 2018: 38.5 Portugal · 2019: 42.0 Portugal · 2020: 47.1 Portugal · 2021: 52.8 Portugal · 2022: 57.5 Portugal · 2023: 58.9 Portugal · 2024: 63.5 Portugal · 2025: 65.2 Romania RO Romania · 2014: 4.2 Romania · 2015: 5.3 Romania · 2016: 5.1 Romania · 2017: 6.8 Romania · 2018: 6.9 Romania · 2019: 8.4 Romania · 2020: 11.7 Romania · 2021: 15.5 Romania · 2022: 19.2 Romania · 2023: 21.9 Romania · 2024: 27.7 Romania · 2025: 31.0 Slovakia SK Slovakia · 2014: 40.6 Slovakia · 2015: 37.3 Slovakia · 2016: 45.4 Slovakia · 2017: 51.1 Slovakia · 2018: 49.8 Slovakia · 2019: 54.8 Slovakia · 2020: 58.2 Slovakia · 2021: 57.9 Slovakia · 2022: 48.1 Slovakia · 2023: 57.7 Slovakia · 2024: 58.0 Slovakia · 2025: 60.5 Slovenia SI Slovenia · 2014: 32.3 Slovenia · 2015: 33.7 Slovenia · 2016: 35.2 Slovenia · 2017: 39.0 Slovenia · 2018: 41.9 Slovenia · 2019: 47.1 Slovenia · 2020: 51.8 Slovenia · 2021: 57.1 Slovenia · 2022: 56.9 Slovenia · 2023: 60.7 Slovenia · 2024: 64.0 Slovenia · 2025: 65.6 Spain ES Spain · 2014: 37.4 Spain · 2015: 39.4 Spain · 2016: 43.1 Spain · 2017: 46.2 Spain · 2018: 48.7 Spain · 2019: 54.9 Spain · 2020: 62.1 Spain · 2021: 65.2 Spain · 2022: 69.6 Spain · 2023: 71.5 Spain · 2024: 75.0 Spain · 2025: 74.8 Sweden SE Sweden · 2014: 81.7 Sweden · 2015: 79.6 Sweden · 2016: 83.2 Sweden · 2017: 86.5 Sweden · 2018: 83.9 Sweden · 2019: 84.5 Sweden · 2020: 84.7 Sweden · 2021: 83.5 Sweden · 2022: 83.5 Sweden · 2023: 84.5 Sweden · 2024: 83.1 Sweden · 2025: 82.0
4.2 97.8

Member states · ranked by latest value

By year