Payment Card Year Books

Czechia 2019/2020

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Payment Organisation

SBK Czech Bank Card Association (SBK/BCA).

Domestic Card Brand

No domestic card scheme

Market Structure

Continued growth of card use. By end-2018, there were 12.33 million cards with 102.5 card payments per capita.

Cards issued are credit cards, debit cards, prepaid cards. 85.43% of cards are debit cards that are increasingly used. According to SBK/BCA, 89.39% of cards were contactless cards at end-2018.

The largest Czech banks are owned by European bank groups: ČSOB by KBC (B), Komerční Banka by Société Générale (F), Česká spořitelna by Erste Group (A), Société Générale and UniCredit Bank (I).

The three large banks dominate the market, with Česká spořitelna accounting for 23.2% of cards issued in 2018.

Reshaped Czech acquirer market: in 2016, acquiring joint ventures were established: REVO (Raiffeisen/EVO Payments), Erste/Global Payments/Comercia, KB SmartPay (Komerční Banka/Worldline).

Emerging Open Banking ecosystem. Sector consolidation comparatively advanced compared to neighbouring markets.  

Notable Market Trends

Rollout: contactless cards, POS terminals, MPOS terminals,
HCE NFC payments, banking apps, digital wallet MasterPass.

Statistical Key Figures for 2018 provided in this profile:

UPDATED: tables with card business data 2014-2018; growth rates: Y-o-Y, CAGR
Population, Cards per Capita, Card Value per Capita
Debit Cards, Credit/Delayed Debit Cards, Total Cards
Card payments by number and by value, ATV per card, payments per card/year
ATMs, POS terminals, ATMs/POS terminals per 1 million capita
ATM withdrawals by number/by value, ATV per withdrawal, TXs per ATM/month
POS payments by number/by value, ATV per POS payment, TXs per POS/month
Internet Use, e-payment mix, B2C e-Commerce by value and growth rate
Issued Card brands by individual major issuer bank
Accepted card brands by individual major acquirer
Drill down into the debit card use and credit cards use details

Product information

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1.1 last updated 13th January 2020