Payment Card Year Books

Europe Regional Overview 2019/2020

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Introduction to the new yearbook edition, important notes, glossary, conventions, abbreviations, notable European organizations (see Introduction)

Payment Cards Overview

A section including debit and credit cards across the European market including comparative tables of issued cards, number of payments per country, expenditure on cards by country and a variety of per capita figures. Additionally this section provides high level background regarding:

  • Prepaid cards and contactless cards
  • Electronic Purses – the End-Game
  • International schemes in Europe
  • High level EMV migration summary
  • SEPA indicators – POS payments in the Euro area
  • Card fraud figures in Europe
  • Cards and remote payments on the (mobile) internet
  • The e-Payment mix of remote payments in Europe
  • Cards and mobile payments – classification and trend options

European Card Schemes

A section consisting of an outline of the evolution of interbank payment organizations and a summary of the role of the international schemes. Also, important EC legal frameworks for payment services, EC directives and EC regulations with impact on European card business are highlighted. Additionally this section provides background regarding:

  • M&A activity among European processors
  • Remaining domestic card schemes in Europe
  • European legal framework for issuers
  • SEPA payment intruments SCT and DSS and migration status
  • SEPA end-date regulation for domestic payments
  • EC proposals PSD2 and interchange fee regulation

Acquiring and Acceptance

A section reviewing card acquiring, the acquirer infrastructure in Europe and selected comparative POS and ATM statistics. Also the new legal frameworks for acquirer services, EC directives and new EC regulations with impact on the European card business are highlighted. Additionally this section provides background regarding:

  • Interchange fee arrangements in Europe
  • Proposed interchange regulation of the European Commission
  • Merchant service charges
  • MPOS terminals, the new mini-POS terminals for mobile merchants
  • ATM charges for withdrawals and regulation
  • List of ATM networks

European Banking Overview

A discussion of retail banking trends in Western and Eastern Europe, including updated cross-border M&A activity, selected consumer lending data and a snapshot of the leading banks. Additionally this section hightlights important market trends in European banking from a payment industry point of view.

  • Internet banking , mobile banking
  • Multi-channel self service banking online and onsite
  • Banks and NFC technology
  • Banks and digtal wallets

Statistical Key Figures 2018

Provided in the overview section include:

  • UPDATED: comparative tables with data 2014-2018; growth rates: Y-o-Y, CAGR
  • Cards by Region and Per Capita; Regional Credit/Debit Card Market Summary
  • Debit Cards, Credit/Delayed Debit Cards, Total Cards
  • Card payments by number and by value; ATMs, POS terminals
  • ATM withdrawals by number/by value
  • POS payments by number/by value

Individual European country profiles available to purchase separately.

Product information

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


1.2 last updated 25th June 2020