Payment Card Year Books


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Payment Organization 

TransFonD (Societatea Nationala de Transfer de Fonduri si Decontari) is the interbank organization. 

Domestic Card Brand 


Market Structure 

  • Cash remains the predominant payment instrument; credit transfers and cheques are used alongside debit cards, which were first issued in 1997. Debit cards are principally used for cash withdrawals. 
  • Total cards issued rose from 2.1 million in 2001 to 14.96 million in 2015, lifting penetration to 0.75 cards per capita. Rapid growth of card use. 
  • The banking sector is foreign-dominated, with mainly western banks accounting for 90.2% of the total bank assets. 

Notable Market Trends 

Contactless cards and POS terminals, QR-codes, NFC payment pilots; MasterCard MoneySend Service, M-Pesa mobile money transfer. 

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. 


1.1(090117) last updated 9th January 2017