Payment Card Year Books

Slovenia 2019/2020

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Payment Organisation

Bankart is the processor of BA cards and Karanta cards.
Activa is processor of the Activa card scheme.

Domestic Card Brand

Activa cards are co-badged Maestro, Mastercard, VISA or Electron;  BA Maestro cards; Karanta cards co-badged Mastercard; there are also domestic-only cards with one of the three domestic brands.

Market Structure

Three domestic card schemes and a significant market share for non-bank issued payment cards (American Express, Diners, others).

Slovenia has the highest levels of card issuance and card use in central and eastern Europe.

Including American Express and Diners cards, there were 4.01 million debit and credit cards at end-2018, equivalent to 1.98 cards per capita, with 97.9 card payments per capita.
Pika private label cards are issued by Mercator, Slovenia’s biggest retail group.

In 2018, foreign ownership of Slovenian banks is lower (62%) and state ownership higher (31%) than in other CEE countries.

In 2016, the privatisation of state-owned bank Nova KBM, and bank sector consolidation through mergers. Consolidation and privatisation broadly complete by Q1 2019.  Emerging Open Banking ecosystem.

Notable Market Trends

Rollout of contactless cards and POS terminals, MPOS terminals.

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

Digital product provided in PDF format. You will receive a download link to a zip file containing your files after checkout.


1.1 last updated 13th January 2020