Payment Card Year Books


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A newer version of this product can be found here

Payment Organization 

ZBK, the Slovak Bank Card Association. 

Domestic Card Brand 


Market Structure 

  • Like other CEE markets, continued rapid growth of card use in Slovakia. By end-2015, the number of cards had reached 5.6 million and there are now 60.5 card payments per capita. 
  • Cards issued are credit cards, debit cards, prepaid cards. Most cards are debit cards and use is increasing. 
  • Slovakia is one of the showcase markets for the adoption of contactless cards. 73.3% of all cards were contactless at end-2015. 
  • ZBK manages the national ATM and POS network built out of the two ATM/POS networks of SLSP and First Data Slovakia. 
  • The number of POS payments exceeded ATM withdrawals in 2007, though the value was much lower. 
  • Slovenská Sporitelna (SLSP), VUB and Tatra banka, the three largest banks, are owned respectively by Erste, Intesa Sanpaolo and Raiffeisen. 

Notable Market Trends 

Contactless rollout; MPOS terminals; HCE NFC pilots. 

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