Online banking penetration in the EU 2010-2024
Online banking adoption in the European Union has shown remarkable growth, climbing from 36 percent in 2010 to over 67 percent in 2024. The Nordic and Benelux regions lead this digital transformation, with Norway, Denmark, and the Netherlands achieving the highest online banking penetration rates in Europe - reflecting their populations' high digital literacy and robust internet infrastructure. This shift represents not just technological advancement, but a fundamental change in how Europeans manage their finances, with mobile banking apps and digital payments becoming the norm rather than the exception.