Statistical news focuses on the latest figures and trends in Danmarks Nationalbank’s statistics. Statistical news is targeted at people who want quick insight into current financial data.
The average card payment is kr. 273
The average value of a card payment in Denmark currently amounts to around kr. 273 and has remained broadly stable over a prolonged period. Card payments cover all transactions using payment cards, including physical card payments, entry of card details in e‑commerce, and payments via wallet solutions. The development in the average value of card payments reflects several counteracting forces. Inflation, in isolation, increases the average value as identical purchases become more expensive. Conversely, the gradual decline in the use of cash in favour of digital payment solutions implies that payment cards are increasingly used for smaller‑value transactions, which reduces the average value. Behind the stable aggregate average, however, there are notable differences in both levels and developments across industries.
Limited fluctuations in the average value of a card transaction
Note:
The chart shows the average value of a card transaction calculated as a weighted moving average over the past four quarters. The card transaction value comprises the nominal value of card transactions conducted in Denmark using both domestically and foreign‑issued cards. It includes transactions in physical stores and e‑commerce, but excludes cash withdrawals. The chart ios based on data from table DNBSTS in the Statbank.
Different levels across industries
The aggregate average masks substantial variation in the average value of a card payment across industries. In airlines and clothing retail, the average card payment typically exceeds the overall average of kr. 273, whereas it is significantly lower in supermarkets and pharmacies. The aggregate average therefore reflects a combination of both higher‑ and lower‑value card payments.
Large differences in the average card payment
Note:
The chart shows the average value of a card transaction in the period from 1 April 2025 to 31 March 2026. The card transaction value comprises the nominal value of card transactions conducted in Denmark using both domestically and foreign‑issued cards. It includes transactions in physical stores and e‑commerce, but excludes cash withdrawals. The industries shown in the chart are defined based on the following MCC codes: Airlines: 3000–3299, 4511; Clothing retailers: 5137, 5600–5699, 7296; Petrol stations: 5541, 5542; Supermarkets and pharmacies: 5411, 5912.
Greater volatility in specific industries
Although the average value of a card payment has been broadly stable overall, developments differ markedly across industries. For example, the average card payment at petrol stations closely follows movements in fuel prices. In supermarkets and pharmacies, the average value has developed more steadily, although with clear seasonal patterns. In particular, the average value tends to be higher in the period leading up to holidays such as Christmas and Easter.
Seasonality and prices affect the average payment
Note:
The chart shows the average value of a card transaction calculated as a weighted moving average over the past 30 days. The card transaction value comprises the nominal value of card transactions conducted in Denmark using both domestically and foreign‑issued cards. It includes transactions in physical stores and e‑commerce, but excludes cash withdrawals. The industries shown in the chart are defined based on the following MCC codes: Petrol stations: 5541, 5542; Supermarkets and pharmacies: 5411, 5912. The latest observation in the chart is 31 March 2026.