Payment Card Year Books

United Kingdom 2019/2020

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Payment Organisations

Payment System Regulator (PSR), since April 2015.

Pay.UK, the new payment system operator, since 2017.

UK Finance, the new UK banking industry association, since 2017.

LINK ATM scheme. Mastercard owns VocaLink, since 2017.

Domestic Card Brand

LINK, the ATM network brand.

Market Structure

Competitive card business infrastructure composed of more than 30 major issuers, 14 active acquirers, four card processors, around 150 PSPs, one ATM network (LINK), eight independent ATM service providers (ISOs), many payment institutions and e-money institutions. In 2018, 70.3% of card payments were contactless.

In 2004, expenditure on cards exceeded expenditure on cash; UK was the first major economy in the world to break this barrier.

In contrast to continental Europe, credit cards are a main source of consumer finance. Because UK consumers in general are overstretched, credit card borrowing has been static, since 2004.

UK regulators focus on governance of the payments industry and trusted payment providers in an Open Banking ecosystem.

Emerging Open Banking ecosystem

Notable Market Trends

HCE NFC payments, MPOS terminals, QR-code/BLE payments, digital wallets, Apple Pay, Samsung Pay, Android Pay, immediate payments, Faster Payments, 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