{"id":522963,"date":"2026-02-09T14:30:00","date_gmt":"2026-02-09T19:30:00","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=522963"},"modified":"2026-02-09T13:32:49","modified_gmt":"2026-02-09T18:32:49","slug":"germany-plans-to-eliminate-checks-entirely-by-2027","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/germany-plans-to-eliminate-checks-entirely-by-2027\/","title":{"rendered":"Germany Plans to Eliminate Checks Entirely by 2027"},"content":{"rendered":"\n<p>Germany is bidding farewell to the paper check. Once a staple of everyday payments, checks are now all but obsolete, and the government plans to eliminate them completely by the end of 2027\u2014a glimpse of a check-free world that\u2019s unfolding in the U.S.<\/p>\n\n\n\n<p>A report <a href=\"https:\/\/blogs.loc.gov\/law\/2026\/02\/goodbye-checks-a-comparative-look-at-a-declining-payment-method-in-germany-and-the-united-states\/\" target=\"_blank\" rel=\"noreferrer noopener\">from the Library of Congress<\/a> underscores just how far Germany has come: checks now account for a mere 0.01% of cashless payments. As recently as 2007, more than 75 million checks were processed annually; by 2024, that figure fell to 2 million.<\/p>\n\n\n\n<p>In response to this steep decline, the Bundesbank, Germany\u2019s central bank, has announced it would switch off the technical infrastructure for automated interbank check processing, reserving checks only for rare, exceptional cases.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-alternative-payment-methods\">Alternative Payment Methods<\/h2>\n\n\n\n<p>What caused the demise of paper checks? It wasn\u2019t credit cards, which have never been especially popular in Germany. <a href=\"https:\/\/acemoneytransfer.com\/blog\/credit-card-debit-or-cash-which-is-best-for-traveling-to-germany#:~:text=How%20Popular%20Is%20Each%20Option,ensuring%20convenience%20at%20both%20ends.\" target=\"_blank\" rel=\"noreferrer noopener\">According to Statista<\/a>, Germany had just 6.58 million credit cards in circulation in 2023, compared with 143 million debit cards.<\/p>\n\n\n\n<p>Cash usage also remains popular in Germany, although it too has been declining. In 2008, <a href=\"https:\/\/www.bundesbank.de\/en\/press\/contributions\/exploring-the-future-of-cash-in-germany-a-foresight-study-942886#:~:text=Safeguarding%20the%20role%20of%20cash%20...&amp;text=While%20cash%20payments%20accounted%20for,cannot%20be%20taken%20for%20granted.\" target=\"_blank\" rel=\"noreferrer noopener\">the Bundesbank found<\/a> that cash was used in 82.5% of all transactions. By 2023 that share had fallen to around half of all payments.<\/p>\n\n\n\n<p>Instead, the Bundesbank attributes the shift to the increasing use of alternative payment methods\u2014chiefly SEPA (Single Euro Payments Area) real-time transfers. In 2024, about 335 million SEPA instant transfers were made in Germany. At the same time the German government is busy dismantling the check-processing apparatus, it has become mandatory for payment service providers in the EU to offer SEPA instant transfers.<\/p>\n\n\n\n<p>As in the U.S., government services in Germany have also moved away from issuing paper checks. Germany\u2019s Federal Employment Agency recently introduced prepaid SocialCards to pay benefits to citizens without a bank account, replacing previously issued government checks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-similar-moves-in-the-u-s\">Similar Moves in the U.S.<\/h2>\n\n\n\n<p>The U.S. may be looking to Germany as a model as it transitions away from paper checks. From 2015 to 2024, check payments dropped from 6% to 2.5% of consumer transactions, according to <a href=\"https:\/\/www.paymentsjournal.com\/paper-check-usage-is-in-freefall\/\" target=\"_blank\" rel=\"noreferrer noopener\">the Atlanta Fed<\/a>.<\/p>\n\n\n\n<p>That decline preceded the federal government\u2019s decision\u2014<a href=\"https:\/\/www.irs.gov\/newsroom\/irs-to-phase-out-paper-tax-refund-checks-starting-with-individual-taxpayers\" target=\"_blank\" rel=\"noreferrer noopener\">effective September 30<\/a>\u2014to stop issuing checks for tax refunds and other payments, a move that will only accelerate their disappearance. Some government agencies, <a href=\"https:\/\/www.paymentsjournal.com\/fema-moves-to-fednow-payments-as-government-shifts-away-from-paper-checks\/\" target=\"_blank\" rel=\"noreferrer noopener\">such as FEMA<\/a>, have already begun issuing payments through alternative rails like FedNow.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Germany is bidding farewell to the paper check. Once a staple of everyday payments, checks are now all but obsolete, and the government plans to eliminate them completely by the end of 2027\u2014a glimpse of a check-free world that\u2019s unfolding in the U.S. A report from the Library of Congress underscores just how far Germany [&hellip;]<\/p>\n","protected":false},"author":8441,"featured_media":451231,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"55867"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[1261,64886],"tags":[65679,65890,132,995,64606,10659],"class_list":["post-522963","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-merchant","category-payments-news","tag-atlanta-fed","tag-bundesbank","tag-cash","tag-germany","tag-paper-checks","tag-sepa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Germany Plans to Eliminate Checks Entirely by 2027 - PaymentsJournal<\/title>\n<meta name=\"description\" content=\"Now that they&#039;ve declined to less than 1% of all payments, the German Bundesbank plans to phase out paper checks by the end of next year,\" \/>\n<meta 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