Bank transfer share measures the role of bank-account-based payments in e-commerce checkout, including classic bank transfer, instant payments, account-to-account rails and major local bank-app schemes where sources report them separately.
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This page belongs to the Payments & Risk silo. For the full payment-method context, compare it with
payment methods share,
digital wallets share,
BNPL share,
payment failure benchmarks
and chargeback benchmarks.
Scope: Selected global, European and local-market benchmarks
Updated: 2026-05-31
Category: Payments & risk
Benchmarks
Bank transfer and account-to-account benchmarks
This page groups bank transfer, instant payment and account-to-account references, but keeps local schemes separate where the source does so.
44%
Pix was projected to reach 44% of Brazil’s online payment market by the end of 2025, according to Reuters coverage of EBANX/PCMI data.
5%
ECB SPACE 2024 recorded instant payments as 5% of euro-area online payments by number.
~30%
PPRO reports that BLIK alone has almost a 30% market share in Poland’s online payments context.
| Market / source | Reference point | What it indicates |
|---|---|---|
| Brazil | Pix projected at 44% of online payments by the end of 2025; credit cards projected at 41% | Real-time account-to-account can become the leading ecommerce method when the user experience is simple and trusted. |
| Euro area | Online payments by instrument: cards 48%, e-payment solutions 29%, direct debit 5%, instant payments 5% | Bank-account methods are visible but fragmented across transfers, direct debit, instant payment and e-payment solutions. |
| Poland | BLIK almost 30% market share; digital methods over 80% of online transactions | Local bank-connected schemes can be more important than classic card checkout. |
| Europe, Worldpay GPR 2025 | Digital wallets are the top online choice; consumers often fund wallets directly via bank account | Wallet share and bank-account funding can overlap, so merchants need PSP-level detail to see the true underlying rail. |
Interpretation
Bank transfer share depends heavily on local rails
Bank transfer is not one universal payment method. In one market it may mean a slow manual transfer; in another it means a real-time payment rail such as Pix; in another it may be embedded inside a local method, bank app, redirect flow or wallet.
That is why global averages are less useful than market-level benchmarks. Brazil’s Pix example shows how quickly account-to-account payments can challenge cards. Poland shows a different pattern, where BLIK and local bank-transfer providers make bank-connected payments central to ecommerce checkout.
Merchant use
How merchants should use this benchmark
| Decision | Why bank-transfer data matters | Related metric |
|---|---|---|
| Market launch | A card-only checkout may underperform in markets where bank-app or account-to-account payments are expected. | Compare with credit card share and debit card share. |
| Checkout ordering | Local bank methods should often appear near the top of checkout in bank-transfer-heavy markets. | Use alongside payment methods share. |
| Payment cost | Account-to-account methods can have different fee structures than cards, but may also require different refund flows. | Pair with margin and payment-cost analysis. |
| Risk and failure handling | Redirects, bank authentication and app confirmation can create different abandonment points than card forms. | Compare with payment failure rate benchmarks. |
Methodology
Methodology note
This dataset uses “bank transfer” as a practical ecommerce grouping, but it does not force all sources into a single artificial definition. Where a source reports instant payments, direct debits, account-to-account, BLIK, Przelewy24 or Pix, the label is preserved.
For benchmarking, use market-level data first. A global bank-transfer number can hide extreme differences between card-heavy markets, wallet-heavy markets, and countries where local account-to-account rails are the default checkout behavior.
Sources
Sources used for this dataset
Citation
Cite this page
E-commerce Bank Transfer Share. Best For Ecommerce. Updated 2026-05-31. https://bestforecommerce.com/ecommerce-statistics/payments-risk/bank-transfer-share/