Intrum: European consumers are increasingly confident in their personal finances

By: Trademagazin Date: 2025. 11. 24. 11:10

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After years of financial difficulties, the proportion of people in Europe who pay their bills on time has increased significantly: compared to 63 percent two years ago, their proportion has increased to 76 percent by 2025, according to the annual European Consumer Payment Report (ECPR) by debt management company Intrum.

According to a statement sent to MTI on Monday, the report is based on a survey of 20,000 consumers in 20 European countries. According to the research, Spaniards and Austrians lead the list of those who pay on time, with 83 percent, followed by Slovaks, Hungarians are in 15th place on the list with 73 percent, while the Greeks are at the bottom of the list with 67 percent.

According to the survey, more and more people are also confident that they can provide for their families, with 71 percent saying this this year, compared to 63 percent last year, and that they can cover work-related costs, such as public transportation (73 percent, compared to 61 percent the previous year).

Despite the general improvement, 43 percent of respondents say that the high cost of living in recent years, the increasing uncertainty of the labor market and layoffs have had a lasting negative impact on their financial situation. The Dutch achieved the best result in this regard with 15 percent, the Portuguese the worst with 47 percent, and the Hungarian figure of 32 percent falls into the middle range.

The data highlights the growing debt gap between income groups. Nine out of ten high-income consumers say they can pay all their bills on time and cover an unexpected expense of €400, while only six out of ten low-income consumers can afford this. More than half of those who fail to pay their bills regularly delay paying – this is the highest level since 2019, when Intrum has been tracking this indicator, they said.