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Indonesia's Electronic Money Spending Trend Continues to Increase in the H1 2025

Viva Budy Kusnandar 27/08/2025 14:15 WIB

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The value of transactions using electronic money in Indonesia continued to increase during the first half of 2025, exceeding spending with ATM and credit cards.

Value of Transactions for Purchases Using Electronic Money, ATM and Debit Cards, and Credit Cards in Indonesia (January 2020-June 2025)

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Value of Transactions for Purchases Using Electronic Money, ATM and Debit Cards, and Credit Cards in Indonesia (January 2020-June 2025)

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Electronic money (e-money) is increasingly dominating cashless transactions in Indonesia.

This is reflected in the increasing value of purchases using electronic money, compared to purchases using credit cards or ATM and debit cards.

Based on data from Bank Indonesia (BI), in June 2025, the value of transactions using electronic money in Indonesia reached Rp81.4 trillion.

Meanwhile, the value of transactions using credit cards was Rp37.96 trillion, and ATM and debit cards was Rp41.94 trillion.

The trend of shopping using electronic money has surpassed payments with cards since May 2024 and continued to increase in the first half of 2025, as shown in the graph.

Cumulatively, in the first half of 2025, the value of transactions using electronic money in Indonesia reached Rp439.22 trillion, growing 64.89% compared to the first half of 2024 (cumulative-to-cumulative/ctc).

In the same period, transactions using credit cards only grew 6.13% (ctc) to Rp218.72 trillion, while ATM and debit card transactions decreased by 0.63% (ctc) to Rp265.57 trillion.

Here is the detail of the volume or frequency of electronic money transactions in Indonesia in the first half of 2025:

January 2025: 1.26 billion transactions
February 2025: 1.25 billion transactions
March 2025: 1.47 billion transactions
April 2025: 1.41 billion transactions
May 2025: 1.58 billion transactions
June 2025: 1.60 billion transactions

Next, here is the volume of ATM and debit card transactions in the first half of 2025:

January 2025: 101.38 million transactions
February 2025: 88.16 million transactions
March 2025: 104.75 million transactions
April 2025: 90.84 million transactions
May 2025: 93.67 million transactions
June 2025: 91.82 million transactions

Finally, here is the volume of credit card transactions in the first half of 2025:

January 2025: 36.12 million transactions
February 2025: 34.12 million transactions
March 2025: 37.21 million transactions
April 2025: 36.07 million transactions
May 2025: 37.24 million transactions
June 2025: 37.96 million transactions

Editor : Adi Ahdiat

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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Indonesia's Electronic Money Spending Trend Continues to Increase in the H1 2025

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Indonesia's Electronic Money Spending Trend Continues to Increase in the H1 2025

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