Payment Card Year Books

Slovakia 2019/2020

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Payment Organisation

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-2018, the number of cards had reached 5.9 million and there are now 95.5 payments on cards per capita.

Cards issued are credit cards, debit cards, prepaid cards. Most cards are contactless debit cards, and their use continued significantly.

Slovakia is one of the showcase markets for the adoption of contactless cards. 90.9% of all cards were contactless at end-2018.

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.

Emerging Open Banking ecosystem.

Notable Market Trends

Contactless rollout, MPOS terminals, HCE NFC pilots, mobile banking apps.

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