欧洲中央银行最新调查显示，欧元区实体零售企业对现金支付的接受度正在上升1。2026年，92%的企业接受现金支付，较2024年的90%有所提高1，扭转了疫情期间及之后的下降势头1。
调查还反映出欧元区支付方式的其他重要变化1。移动支付的接受度大幅上升，从2024年的36%提升至2026年的68%1，而卡支付接受度在同期保持稳定在88%1。企业普遍认为现金支付具有隐私保护和可靠性的优势1。与此同时，有25%的企业采取措施促进数字支付1，13%的企业引入了自助结账终端1。企业在选择支付方式时主要考量消费者偏好、安全性和易用性1。
本次调查覆盖欧元区21个国家的8,205家企业，采访时间为2026年2月至4月1。
The European Central Bank has released survey findings demonstrating that cash continues to dominate payment acceptance across the euro area's retail sector. In 2026, 92% of physical retail businesses in the euro zone accept cash payments, marking an increase from 90% in 2024 and reversing the declining trend observed during and following the pandemic 1.
The survey reveals significant shifts in payment technology adoption alongside cash's resilience. Mobile payment acceptance surged dramatically from 36% in 2024 to 68% in 2026, while card payment acceptance remained stable at 88% over the same period 1. Among surveyed retailers, 25% have implemented measures to promote digital payments, and 13% have introduced self-checkout terminals 1. Businesses cited consumer preference, security, and ease of use as the primary factors guiding their selection of payment methods 1.
The findings are based on a survey of 8,205 enterprises across 21 euro area countries, conducted between February and April 2026 1.
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