Spain

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  • Regular price £175.00


Payment Organization 

Euro 6000, Sistema 4B, ServiRed 

Domestic Card Brand 

Euro 6000, Sistema 4B, ServiRed; mostly co-badged MasterCard, Maestro, VISA, or Electron for international use 

Market Structure 

  • Complex market structure, three domestic payment systems. 
  • The POS and ATM acceptance infrastructure is one of the most extensive in Europe; multi-acquiring inflates terminal numbers. 
  • Cards in issue had grown strongly to 79.2 million by end-2008, falling to 68.0 million at end-2014. However, cards in issue grew by 3.3% on 2014 for the first time, since 2008. 
  • Credit/delayed debit card market share is 64.3% (2015). 
  • Fast rollout of contactless cards and POS/MPOS terminals. 
  • Acquirer joint ventures between banks and international players. 
  • Consolidation of the Spanish savings bank sector from 45 to 12 banks, reflecting the unfavourable economic climate and the persistence of the euro zone’s problems. 
  • Decentralized infrastructure, composed of 30 major issuer banks, 20 major acquirers, five processors, 25 PSPs, three ATM/ POS networks (Euro 6000, ServiRed, Sistema 4B), 43 payment institutions and five e-money institutions, all resident in Spain. 
  • Banking groups on European level: Banco Santander, BBVA. 

Notable Market Trends 

  • HCE NFC payments, MyBank, digital wallets, card-less ATMs; Immediate Payments, Bizum app; Samsung Pay, Apple Pay. 

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. 

Version

1.2(120117) last updated 12th January 2017