The shift toward digital payments in Bulgaria is becoming increasingly visible. Although cash still accounts for over half of all transactions in Europe, Bulgarians are gradually leaving behind the habit of reaching for banknotes. Annual data from the Bulgarian National Bank covering 2014–2025 show a steady rise in card usage across the country. The numbers reveal a clear trend: the once-common wallet shuffle is giving way to the beep of POS terminals. Currently, over 7.2 million debit cards