The costs of payment methods for consumers are difficult to determine, not recorded in a harmonised manner on an international level and consequently vary significantly from country to country. For this reason, a separate study is necessary for Germany. As part of a representative survey conducted in 2023, households were asked about the costs they incurred when using various means of payment. Financial costs were recorded, including fees for account management, ATM cash withdrawals or for payment cards, as well as the financial impact in the case of loss or fraud. Non-monetary costs in the form of the time required and the costs of data disclosure were also included.