Electronic Payments Continue Their Upward Trajectory in Tunisia
According to the Central Bank of Tunisia’s (BCT) latest bulletin, Payments in Figures in Tunisia, covering the first half of 2026, the country’s digital payment ecosystem is experiencing robust growth. Compared to the same period in 2025, card-based activity and electronic payment methods have recorded multiple positive developments, signaling a steady shift toward a more digital financial landscape.
📊 Banking Infrastructure & Digital Adoption
The national payment infrastructure continues to expand:
- Bank cards in circulation: 6.15 million
- ATMs nationwide: 3,427
- Active merchant websites: 1,456
- POS terminals: 45,600
Note: The BCT classifies a merchant site as “active” if it records at least one transaction within a 12-month period.
📱 Mobile Wallets & Digital Transactions Gain Momentum
Mobile payments are firmly establishing themselves as a cornerstone of Tunisia’s fintech evolution. In H1 2026, registered mobile wallets reached 218,886, marking a 5.5% year-on-year increase from 207,524. Mobile payment activity drove 5 million transactions, totaling 914.2 million Tunisian dinars (TND). Direct payments remain the primary use case, outpacing peer-to-peer transfers, cash-in, and cash-out services.
💳 E-Payments & Proximity Payments Show Strong Growth
The BCT report also highlights a 5.7% surge in e-payment activity, alongside positive momentum in proximity (contactless/NFC) payments. Multiple key indicators—both in transaction volume and total amounts processed—demonstrate consistent growth compared to H1 2025, underscoring Tunisia’s accelerating digital transformation in financial services.
