欧洲央行最新调查显示，欧元区现金支付的接受度实现回升[1]。92%的实体零售商现已接受现金支付，这一比例相比2024年的90%有所上升[1]，扭转了疫情期间的下行趋势。
与此同时，欧元区的数字支付渠道呈现快速增长。移动支付的接受度大幅上升至68%，较此前的36%增长显著[1]，而传统卡支付的接受度则保持稳定在88%[1]。调查还发现，25%的欧元区公司已采取措施推广数字支付方式，13%的公司引入了自助结账终端[1]。
本次调查于2026年2月至4月期间开展，覆盖欧元区21个国家的8205家公司[1]。企业继续接受现金的主要原因包括隐私性和可靠性考量[1]。
The European Central Bank has released a new survey revealing that cash continues to dominate payment acceptance across the euro area.[1] According to the findings, 92% of physical retailers in the euro area accept cash payments, marking an increase from 90% in 2024 and reversing the declining trend observed during the pandemic period.[1] The survey encompassed 8,205 companies across 21 euro area countries and was conducted between February and April 2026.[1]
While cash acceptance has strengthened, other payment methods have also gained ground. Mobile payment acceptance surged significantly to 68%, up from 36%, demonstrating rapid growth in digital transaction adoption.[1] Card payments maintained stable acceptance at 88%.[1] In response to shifting consumer preferences, 25% of euro area companies have implemented measures to promote digital payment options, and 13% have introduced self-checkout terminals.[1] Retailers cite privacy and reliability as primary reasons for continuing to accept cash payments.[1]