Payment Statistics in Tunisia for the First Half of 2025
Overview of the Monetic Sector
The payment statistics for Tunisia, covering the first half of 2025, have been released. The figures from the monetic sector show that as of June 2025, there were 5.782 million bank cards in circulation. These cards were used for 77.7 million operations, with a total value of 13,873.1 MTND.
Cash Withdrawals
Cash withdrawals from the 3,289 ATMs (DAB/GAB) totaled 10,682.3 MTND, compared to 9,685.1 MTND in the first half of 2024. This translates to an average of 3,247 MTND per ATM per semester, or 17,944 TND per day. The average withdrawal per ATM was 222 TND over the first six months of 2025, up from 208 TND during the same period in 2024.
Payment Trends
Payments accounted for 23% of the total volume, reaching 3,190.8 MTND, compared to 2,731.7 MTND in the first half of 2024. The average payment per bank card was 108.1 TND over the first six months of 2025, down from 109.2 TND during the same period last year.
Detailed Breakdown of Payments
- E-payments totaled 602.2 MTND, with an average of 71.7 TND per operation, up from 66.9 TND in 2024.
- Proximity payments averaged 123.3 TND, up from 121.4 TND in 2024.
- The number of merchant sites stands at 1,127, while the number of small and medium-sized enterprises (TPE) is 40,600.
Challenges and Opportunities
These figures indicate that there is still a long way to go in limiting the use of cash in Tunisia. The economy has not yet adapted to the new check regulation, and cash has gained ground. While regulation plays a role, it is essential to evolve the behavior of economic agents. This can be achieved through:
- Lower transaction fees
- An increase in the number of bank cards in circulation
- Promoting a culture of fiscal transparency
By addressing these challenges, Tunisia can work towards reducing its reliance on cash and promoting a more digital and transparent economy.
