Payment Card Year Books

Germany 2017/2018

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A newer version of this product can be found here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; mostly co-badged Maestro, V PAY, Cirrus, Plus or (few) JCB. Electronic purse GeldKarte, the last one in Europe.

Market Structure

Decentralized infrastructure composed of more than 30 issuers, 16 active acquirers, eight card processors, 19 German specific POS network processors and four ATM networks.

girocard debit acceptance is separate from credit card acquiring. 

German girocard debit cards compete with card-initiated ELV direct debits used by many retailers and at petrol stations. 

Use of credit cards and delayed debit cards in Germany is low compared with debit cards. 

In June 2014, six German banking associations built a new joint venture for online direct debit payments, paydirekt. 

Digital-only challenger banks include N26, Fidor Bank, SolarisBank, and O2 Banking of mobile operator Telefónica. 

Notable Market Trends

Roll-out of contactless girocard cards, MPOS terminals; 

Debit Mastercard cards; paydirekt; Payback Pay; mobile apps; 

Omni-channel, Open Banking, Open API, immediate payments.

Statistical Key Figures for 2016 provided in this profile:

UPDATED: tables with card business data 2012-2016; 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. 


1.0.0 last updated 2nd December 2017