Billing benchmarks — household reference

Report #1745918 — last updated 2026-07-25. Figures cited verbatim; verify source before publishing in the BFT deck or downstream household analytics.

1. SEPA direct debit volumes (yearly)

~11.0 billion SEPA direct-debit transactions per year across the euro area

OFFICIAL ECB Statistics — Payments, securities and derivatives

Annual count of SEPA core direct-debit (SDD Core) instructions processed; euro-area aggregate, sourced from the ECB Statistical Data Warehouse payments dataset.

2. INSEE household expenditure breakdown

~€15,400 mean annual consumption expenditure per French household

OFFICIAL INSEE — Budget de famille (latest published wave)

Mean consumption expenditure across all French households; the *Comptes nationaux* breakdown shows housing, food and transport as the three largest COICOP chapters.

3. ECB payment-system stats

Hundreds of trillions of € processed per year across TARGET2, T2S and EURO1

OFFICIAL ECB Statistical Data Warehouse (SDW) — Payments

Annual turnover and transaction count for EURO2 large-value payment systems serving euro-area settlement; used as context for SEPA direct-debit sizing.

4. CRE energy bill averages

~€1,700–€2,200/year avg residential electricity + gas bill (France)

OFFICIAL CRE — Observatoire des marchés de détail

Average annual residential energy bill published in CRE's *Observatoire*; quotes come from the regulator's published write-ups and depend on regulated tariff changes in the published period.

5. ARCEP telecom averages

~€30/month avg household telecom plan (mobile + internet)

OFFICIAL ARCEP — Rapport annuel sur l'état des services

Average spend derived from ARCEP's annual *Rapport sur l'état des services*, which tracks mobile plan pricing and fixed broadband ARPU per French household.

6. 6.7 mandates/household density

6.7 SEPA direct-debit mandates per household

ESTIMATE ECB SDW SEPA mandate stats ÷ INSEE household count

Computed: ~11B/year SDD instructions × mandate lifetime ÷ French household count. Denominator and active-mandate lifetime both shift the headline figure; treat as a derived order-of-magnitude estimate.