Payment Card Year Books

Spain 2019/2020

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Payment Organisations

SistemaPay, Euro 6000, Sistema 4B, ServiRed

Domestic Card Brand

Up to end-2017: Euro 6000, Sistema 4B, ServiRed; mostly co-badged Mastercard, Maestro, VISA, or Electron for international use.

From 2018: SistemaPay cards co-badged Mastercard, VISA, Debit Mastercard, or VISA Debit for international use.

Market Structure

Cards in issue had grown strongly to 79.2 million by end-2008, then falling to 68.0 million at end-2014, with CAGR of 3.19% to 2018.

Credit/delayed debit card market share is 31.51% (2018).
The POS and ATM acceptance infrastructures are one of the most extensive in Europe; multi-acquiring inflates terminal numbers.

From 2018, the merger of the three domestic card schemes enables simplifying the ATM/POS infrastructures at less cost.
Consolidation of the Spanish savings bank sector from 45 to 2 banks, and continued consolidation in the commercial bank sector.

Decentralised infrastructure, composed of 32 major issuer banks, 20 major acquirers, five processors, 30 PSPs, one ATM/POS network (SistemaPay), 48 payment institutions and nine e-money institutions, all resident in Spain.

Acquirer joint ventures between banks and international players.

Bank groups on European and global level: Banco Santander, BBVA.

Emerging Open Banking ecosystem.

Notable Market Trends

SistemaPay, HCE NFC payments, digital wallets, card-less ATMs, Immediate Payments, Bizum, Samsung Pay, Apple Pay, Google Pay.

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