Payment Card Year Books


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  • Regular price £200.00


A newer version of this product can be found here

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