4 ms·

22% of European don't use ATM machines and don't have a credit card ? I don't think so.

• tty 13y ago
  I would think the percentage of people who don't use ATM machines and don't have a credit card is likely higher than 22%, actually. Using only cash is much more common in Europe than in the US.
  • kalleboo 13y ago
    This is one of those areas where you can't really generalize over "Europe" at all since it varies so much between countries. In Scandinavia, the Netherlands and the UK, card usage is extremely high. In southern and eastern Europe, not so much.
    • tty 13y ago
      Decided to google some, In all of EU, 40% of people have a credit card. You're right that it varies greatly throughout the countries. The highest credit card per capita rate is in Luxembourg, with around 3 per capita (for comparison's sake, in the US it's 3.5 per capita, in most EU countries at 1 per capita). The highest ownership rate is in Luxembourg, with 87% of people having one. The lowest is in Hungary, with only 9% of the people having a credit card. Some other countries: Denmark 71%, Bulgaria 12%, Lithuania 16%, Romania 17%. The rest of the EU countries can be seen here, on page 13 http://ec.europa.eu/public_opinion/archives/ebs/ebs_373_en.pdf http://ec.europa.eu/public_opinion/archives/ebs/ebs_373_en.p...
      • dagw 13y ago
        Yes, credit card use is relatively low, but everybody has and uses a debit card.
      • AgLiAn 13y ago
        As always, my country, Romania, is at the end of everything.
    • dagw 13y ago
      Definitely true, but Scandinavia, the Netherlands and the UK do have low level of credit card use, it's basically all debit cards, sometimes even using some local system. The Netherlands is ridiculous in this, when I was there is summer hardly anybody took Mastercard or Visa.
      • kalleboo 13y ago
        Very true, I was accidentally thinking "non-cash transactions"
• Wilya 13y ago
  Credit card use varies a lot between countries. Germany is more than 10% of Europe and they're known have low credit card use, so they might influence stats a bit.
• zalew 13y ago
  In some areas of Warsaw there are more ATMs than places where you can actually spend money, and card usage is ridiculously high to the point where if a store doesn't accept one you're pissed and think of the place as savages (well, almost, some discount stores and 24h liquors don't have terminals). Meanwhile, in Polish rural areas there is close to no ATMs in 10km radius (made that up, don't have any data), bars and stores don't accept cc and usually you have to take an actual trip to the nearest town for the money. There is also no usage among the elderly, most of them don't trust plastic/electronic money, don't understand how it works, or aren't confident in their abilities to use it.
• bowlofpetunias 13y ago
  Many countries have an extensive debit card network and direct online payments, obviating most of the need for either. In the Netherlands, you can pay everywhere with your debit card from any bank. Same goes for online payments.
• kryptiskt 13y ago
  Last time I was in Germany Burger King didn't take cards, only cash.