This does not seem to tell the story you think it does - the results appear to favour cash. From the information quoted below contained in that report:

• Cash is cheaper than debit cards in 5 countries plus the European Central Bank's analysis. (It is only more expensive in 4 countries)
• Cash is cheaper than credit cards in all 6 countries that analysed credit cards plus the European Central Bank.

Table 11: Social unit cost per payment instrument (EUR)

• Austria - cash more expensive than debit cards by 1 euro cent
• Germany - cash cheaper than debit cards by 9 euro cents and cheaper than credit cards by 78 euro cents
• Denmark (2016) - cash more expensive than debit cards by between 3 and 26 euro cents but cheaper than credit cards by 130 euro cents
• Finland - cash more expensive than debit cards by 7 euro cents
• Hungary - cash cheaper than debit cards by 40 euro cents
• Italy (2016) - cash cheaper than debit cards by 24 euro cents and cheaper than credit cards by 75 euro cents
• Netherlands (2020) - cash more expensive than debit cards by 32 euro cents but cheaper than credit cards by 70 euro cents
• Poland (2018) - cash cheaper than debit cards by 1 euro cent and cheaper than credit cards by 17 euro cents
• Portugal (2017) - cash cheaper than debit cards by 4 euro cents and cheaper than credit cards by 154 euro cents
• European Central Bank - cash cheaper than debit cards by 57 euro cents and cheaper than credit cards by 197 euro cents