Payment Card Year Books

Portugal 2020/2021

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  • Regular price £240.00

Payment Organisations

SIBS – interbank organisation, manages the Multibanco networks 

Unicre – interbank organisation, 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 4.21-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 54.3% 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. 


 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 


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Version 1.1 - last updated Friday 15th January 2021