Ukrainian Card Spending in 2025: Online Purchases Average 608 Hryvnias, In-Store at 354

Payment Card Trends in Ukraine for 2025

According to ХВИЛЯ: The National Bank of Ukraine has released its 2025 payment card data, revealing a rise in the average transaction value for both in-store and online purchases, alongside a decline in the average amount for peer-to-peer (P2P) transfers. The year also saw growth in the number of active cards and payment terminals, with cashless transactions maintaining their dominant market share. This data reflects the ongoing digital transformation of Ukraine's economy, even amidst challenging conditions.

Key Figures from the 2025 Report

The average in-store purchase amount reached 354 hryvnias, marking a 7% increase from the 330 hryvnias recorded in 2024. For online commerce, the average ticket size was 608 hryvnias, an 8% rise compared to the previous year's figure of 561 hryvnias. Conversely, the average sum for a card-to-card (P2P) transfer fell to 1,864 hryvnias, a decrease of nearly 5% year-over-year.

• Total number of transactions: 9.5 billion
• Total transaction value: 7.2 trillion hryvnias
• Share of cashless payments: 95.5% of all transactions and 65.4% of the total value
• Number of payment terminals: 558.6 thousand (a 12.5% increase)
• Number of ATMs: 15.7 thousand (unchanged)
• Number of payment cards in circulation: 148.7 million (a 12.7% increase)

The significant jump in card numbers is largely attributed to new card issuance for state-led initiatives like the 'National Cashback' and 'Winter Support' programs. Notably, one in three active cards in Ukraine is now tokenized for NFC-based contactless payments. The National Bank emphasized that cashless settlements continue to be the prevailing market force.

The growth of cashless payments in Ukraine indicates a trend toward the digitization of financial services and a shift in consumer behavior.

The increase in average spending, both in physical stores and online, may signal improved purchasing power among the population. Meanwhile, the reduction in average P2P transfer amounts could point to evolving habits in how people send money to one another. The expansion of payment infrastructure, including more terminals and cards, further underscores the financial system's active adaptation to modern technologies.