Credit card lying on a keyboard
Tasks and services

Efficient and secure payment systems are the foundation of a stable financial system. The Bundesbank secures and monitors cashless payments in Germany as a financial centre, provides settlement and clearing services and plays an active role in the further development of the single European payment system.

TARGET balances
Statistics and monitors

Bundesbank's TARGET claims
As of 30 April 2023:
€ 1,081,284,307,839.36
Monthly average for April 2023:
€ 1,103,931,801,619.48

“Eurosystem should push forward with central bank digital currency”
Bundesbank Payments Symposium

Speaking at the Bundesbank’s Payments Symposium, Bundesbank President Joachim Nagel and Bundesbank Executive Board member Burkhard Balz have made the case for the Eurosystem pushing forward with its investigations into central bank digital currency. Both used their speeches as an opportunity to emphasise the benefits that a digital euro could bring. 

The gold of the Germans
Gold bar with mobile phone

On this topic page, the Bundesbank provides a comprehensive overview of the German gold reserves with detailed texts and impressive pictures.

Digital euro
Digital Euro

A digital euro would be a digital form of central bank money, specifically the euro. It could be used by the general public in much the same way as cash, only in virtual form. Alongside cash, the Eurosystem would thus supply households with an additional form of central bank money that can be used quickly, easily and securely.

Payments in Europe
Photo shows the start image of the animated film on “Payments in Europe”

Whilst Europe is home to successful payment systems – Germany’s girocard scheme, for instance – these are often only national in scope. How can payment operations be harmonised across Europe and made more convenient for consumers?

Forum Zahlungsverkehr

This is where users and payment service providers discuss current developments.

Money in programmable applications
Blue digital binary data on computer screen

Digital transformation is giving rise to new business models and is fundamentally changing existing business processes. Many of these processes will be much more automated still in future. Distributed ledger technology, which uses tokens to represent real goods and services and allows these to be traded digitally, makes it possible for flows of services to be programmable, autonomous and automated.