Poland

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  • Regular price £150.00


Payment Organization 

Polcard, the former interbank processor, has been a First Data subsidiary since 2007. 

Domestic Card Brand 

No domestic debit; no electronic purse. 

Market Structure 

  • The number of debit cards has grown slowly in recent years, while credit cards reached a peak of 33% of the card total by end-2009, falling to 16.5% at end-2015. 
  • Card use at the POS has increased substantially. In 2009, there were more POS payments – taking all card types into account – than ATM withdrawals for the first time. 
  • Poland is one of the pioneers of contactless card payments. All banks issue contactless cards accounting for 76.7% of the cards total, and 55% of all card payments were contactless. 
  • 85.3% of all POS terminals installed were contactless as at end-2015. 
  • Online bank transfers are the preferred online-payment service. 
  • With nearly 7.47 million cards, PKO BP is the largest issuer and the biggest bank, followed by Bank Pekao and mBank. 
  • Capped domestic interchange fees include commercial cards. 
  • In 2015, launch of a domestic card payment gateway, Inkart. 

Notable Market Trends 

HCE NFC payments, digital wallets, DCVC cards; contactless ATMs, biometric ATMs; card-less payment services, e.g. BLIK; AndroidPay.

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. 

Version

1.2(120117) last updated 12th January 2017