Payment Card Year Books

Spain 2020/2021

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  • Regular price £240.00

Payment Organisation


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 4.90% to 2019. 

Credit/delayed debit card market share is 43.95% (2019). 

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), 51 payment institutions and 15 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. 


 UPDATED: tables with card business data 2015-2019; 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 


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


Version 1.1 - last updated Friday 15th January 2021