• Sale
  • Regular price £150.00

Payment Organization 

NETS Estonia, previously named Pankade Kaardikeskus AS (PKK) 

Domestic Card Brand 

No domestic card brands 

Market Structure 

  • Estonia is the most developed digital market in the Baltic region. 
  • The Estonian card market has a competitive, decentralized infrastructure composed of seven major issuers, five major acquirers, card processors and four major ATM/POS networks. 
  • There were 1.40 cards per capita in 2015 and 201.1 card payments per capita, of which 182.6 were by debit cards 
  • 79.6% of cards are debit cards; however, banks need to consolidate credit cards, as nearly 34.5% are inactive. 
  • Swedbank and SEB Pank dominate the Estonian banking sector 
  • Merger of Nordea Pank and DNB Pank announced at end-2016. 

Notable Market Trends 

Rollout of contactless cards and POS terminals; MPOS terminals.

Updated Information About:

Major Issuers, Major Acquirers, Major Processors and Consumer Finance indicator. 

Statistical Key Figures for 2015 provided in this profile:

  • UPDATED: tables with card business data 2011-2015; 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

Digital product provided in PDF format. You will receive a download link to a zip file containing your files after checkout. 


1.1(090117) last updated 9th January 2017