2025
Debit progress remained steady, affirming its resilience as digital adoption drove investment in new capabilities.
2026 PULSE® Debit Issuer Study
The Next Era of Debit
Study highlights debit’s expanding role in consumers’ financial lives.
Explore the findings
Watch a webinar presented by Steve Sievert for in-depth analysis of the results and answers to your debit-related questions.
The 2026 Debit Issuer Study report provides a comprehensive view of the debit industry and issuer performance.
Acquiring new customers is a huge focus internally, with a strong push among our frontline bankers. Today, about 10% of new DDAs are opened online."
– Covered Issuer
Debit remains a powerful driver of everyday engagement
Debit continues to be embedded in daily banking activity. Transactions increased 4.6% year-over-year, with active cardholders making 35.4 transactions monthly.
Digital engagement is powering debit growth
Card-not-present (CNP) transactions now represent 50% of debit spend, and 17% of all debit transactions originate through mobile wallets. As payments become more connected and real-time, issuers are investing in digital capabilities to meet cardholders where they are.
Real-time money movement is expanding debit’s role
Money movement is becoming a more integral part of the debit experience. Account-to-account (A2A) volume increased 25% year-over-year, with a 16% increase in transactions.
Take a look back at debit’s recent history
2024
Debit usage increased amid a shifting risk landscape and changes in consumer banking behavior.
2023
Debit transactions and volume continued to rise, with issuers prioritizing digital payments and mobile capabilities.
Start getting more from debit
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