Payment Card Year Books

Portugal 2019/2020

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Payment Organisations

SIBS – interbank organization, manages the Multibanco networks
Unicre – interbank organization, main acquirer, Unibanco issuer.

Domestic Card Brand

Multibanco (MB) cards, co-badged Maestro, Electron, Mastercard or VISA, MB Way wallet.
Unibanco credit cards co-badged VISA or Mastercard.

Market Structure

Portugal’s Multibanco ATM and POS network is one of the most advanced in the world with more than100 ATM service functions.

Card payments by number are 3.86-times higher than withdrawals.

Though domestic banks account for most of the retail banking market, Santander owns the fourth-biggest Portuguese bank.

The three largest banks control 55.4% of the total bank assets.

In 2017, Banco Santander Totta absorbed Banco Popular.

Emerging Open Banking ecosystem.

Notable Market Trends

Contactless cards, MPOS terminals, QR-codes, MB WAY app.

Statistical Key Figures for 2018 provided in this profile:

UPDATED: tables with card business data 2014-2018; 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

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1.1 last updated 13th January 2020