The People's Bank of China's Payment and Settlement Department released the Q2 2025 payment system operation data. By the end of Q2, China had 15.238 billion bank accounts, 10.068 billion bank cards, and 775,700 ATMs. Non-cash payment transactions reached 149.789 billion, totaling 1365.36 trillion yuan. Bank-processed electronic payments included 18.217 billion online payments (707.85 trillion yuan) and 58.386 billion mobile payments (136.06 trillion yuan). Non-bank payment institutions handled 333.845 billion online payments worth 82.11 trillion yuan. The payment system processed 392.751 billion transactions totaling 3084.83 trillion yuan. Specific breakdowns include the PBOC clearing center (5.543 billion transactions, 2295.71 trillion yuan), UnionPay interbank system (97.641 billion, 66.71 trillion yuan), NetsUnion (283.18 billion, 145.58 trillion yuan), and CIPS (2.1212 million, 45.94 trillion yuan).
Bank Accounts and Cards
As of the end of Q2 2025, China had 15.238 billion bank accounts, including 116 million corporate accounts and 15.122 billion personal accounts. The total number of bank cards reached 10.068 billion, comprising 9.354 billion debit cards and 715 million credit and combined credit-debit cards. The number of ATMs stood at 775,700.
Non-Cash Payments
In Q2, banks processed 149.789 billion non-cash payment transactions worth 1365.36 trillion yuan. Bank card transactions totaled 146.662 billion, worth 226.70 trillion yuan, of which 93.371 billion were consumption transactions totaling 31.57 trillion yuan.
Electronic and Mobile Payments
Banks handled 80.053 billion electronic payment transactions (858.16 trillion yuan), including 18.217 billion online payments (707.85 trillion yuan) and 58.386 billion mobile payments (136.06 trillion yuan). Non-bank payment institutions processed 333.845 billion online payment transactions worth 82.11 trillion yuan.
Payment System Processing
In Q2, the payment system processed 392.751 billion transactions worth 3084.83 trillion yuan. The PBOC clearing center handled 5.543 billion transactions (2295.71 trillion yuan); the UnionPay interbank system processed 97.641 billion (66.71 trillion yuan); NetsUnion handled 283.18 billion (145.58 trillion yuan); and the Cross-Border Interbank Payment System (CIPS) processed 2.1212 million transactions worth 45.94 trillion yuan.
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