Payment Card Year Books

Poland 2020/2021

  • Sale
  • Regular price £240.00

Payment Organisation

Polski Standard Platnosci, the BLIK operator. 

Domestic Payment Brands

Cardless BLIK and P24 payment schemes. 

Market Structure

The number of debit cards has grown slowly in recent years, while credit cards reached a peak of 33% of the cards total by end-2009, falling to 13.49% at end-2019. 

Poland is one of the pioneers of contactless card payments. 100% of all POS terminals installed were contactless as at end-2019. 

All banks issue contactless cards accounting for 86.68% of the cards total, or 37.1 million cards. 

Online bank transfers are the preferred online-payment services 

With more than 9.28 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. 

Two immediate payment systems are offered in Poland: bank-owned Express ELIXIR and BlueCash of FinTech Blue Media. 

Emerging Open Banking ecosystem. Consolidation more advanced than in comparable Central European markets.

Notable Market Trends

HCE NFC payments, Apple pay, Google Pay, contactless ATMs, card-less mobile banking app payments. 


 UPDATED: tables with card business data 2015-2019; 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 


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


Version 1.1 - last updated Friday 15th January 2021