The data highlights a continuing trend towards cashless transactions, with a significant portion occurring in retail networks.
Key Highlights:
Cashless Transactions Dominance:
- In the first half of 2024, out of 4,123 million total payment card transactions, 3,887.8 million were non-cash, representing 94.3% of the total number of transactions.
- The value of these non-cash transactions reached 1,995.5 billion UAH, making up 64.5% of the total transaction value.
Breakdown of Non-Cash Transactions:
- Retail Payments: The majority of non-cash transactions, both in quantity (73.1%) and value (45.7%), were made in trade and service networks. This amounted to 2,841.3 million transactions worth 912.6 billion UAH.
- Card-to-Card Transfers: These accounted for 32.2% of the total transaction value and 8.5% of the number of transactions.
- Online Payments: Payments for goods and services online constituted 14.4% of the total transaction value and 13.6% of the number of transactions.
Average Transaction Values:
- Retail Networks: The average amount per transaction was 321 UAH (down slightly from 325 UAH in the first half of 2023).
- Card-to-Card Transfers: The average amount was 1,936 UAH (down from 2,031 UAH).
- Online Payments: The average transaction amounted to 497 UAH (up from 471 UAH).
The NBU's statistics underscore a growing shift towards digital financial practices in Ukraine, with cashless payments becoming increasingly prevalent across various transaction types.
