• Sale
  • Regular price £200.00

Payment Organization 

German Banking Industry Committee (GBIC) is the umbrella organisation of the German banks regarding payment services. 

Domestic Card Brand 

girocard debit cards with e-purse function GeldKarte; most girocards are co-badged Maestro, V PAY, Cirrus, Plus or (few) JCB. 

Market Structure 

  • Decentralized infrastructure composed of more than 30 issuers, 16 active acquirers, eight card processors, 19 German specific POS network processors (“Netzbetreiber”) and four ATM networks. 
  • Since 2007, POS use is higher than ATM use. Use of credit cards and delayed debit cards remains low compared with debit cards. 
  • German girocard debit cards compete with card-initiated ELV direct debits used by retailers and at petrol stations. 
  • girocard debit acquiring is separate from credit card acquiring. 
  • In June 2014, six German banking associations built a new joint venture for internet payments and mobile payments, paydirekt. 
  • A consolidation phase for mobile payment initiatives has started. 
  • Digital-only challenger banks include N26, Fidor Bank, SolarisBank, and mobile network operator Telefónica. 

Notable Market Trends 

  • Roll-out of contactless cards and POS terminals; MPOS terminals; 
  • Debit MasterCard; MasterPass; paydirekt; PaybackPay; girocard contactless

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. 


1.2(120117) last updated 12th January 2017