Ireland 2025
Market Overview Payment Organisations Banking and Payments Federation Ireland (BPFI). Domestic Payment Brands No domestic payment brands. Market Structure Historically the credit card market, debit card use has grown through the domestic Laser debit card scheme. In 2023, more than 91.88% of card payments by volume were with debit cards. Irish banks replaced domestic Laser […]
Iceland 2025
Market Overview Payment Organisation Greiðsluveitan Domestic Payment Brands No domestic payment brands. Market Structure Card use in Iceland is the highest in the world, reflecting the extension of card payments into new areas. As there is no Giro system, cards take the place of direct debits for recurring payments. In 2023, there were 117.1 million […]
Hungary 2025
Market Overview Payment Organisation Nexi (formerly SIA Central Europe, interbank organisation GIRO Bankcard Company (GBC)). Domestic Payment Brands No domestic payment brands. Market Structure Debit cards account for 88.91% of the payment card base. Rapid growth of card use. 93.00% of all cards are contactless. In September 2016, the number of contactless card payments exceeded […]
Greece 2025
Market Overview Payment Organisations DIAS, Hellenic Bankers Association Domestic Payment Brands No domestic payment brands. Market Structure Greece has a cash-based economy. There were 194.8 card payments per capita in 2023. The Greek crisis affected card usage from 2009. Card numbers declined to 13.2 million in 2014 but recovered from 2015. For the first time […]
Germany 2025
Market Overview Payment Organisations German Banking Industry Committee (GBIC) is the umbrella organisation of the German banks regarding payment services. Domestic Payment Brands girocard debit cards; mostly co-badged V PAY, Debit Mastercard, or VISA Debit. E-purse GeldKarte phase-out complete by end-2024. giropay digital A2A payment service, phase-out by end-2024. Wero: In 2024, launch of P2P […]
France 2025
Market Overview Payment Organisations Groupement des Cartes Bancaires, the interbank organisation. STET, the interbank CSM processor, absorbed SERS2 in 2015. Domestic Payment Brand “CB” is the domestic card scheme of the French banks. French private cards issued by French consumer finance banks. Lyf Pay, a domestic A2A payment service for online shopping. Market Structure Most […]
Finland 2025
Market Overview Payment Organisations Automatia (ATM network); Finnish Bankers Association. Finance Finland (FFI). Domestic Payment Brand No domestic card brand. Market Structure Sophisticated market with a high level of card use. However, numbers of ATMs and cash withdrawals continued to decline. Cards with combined debit/credit functions for domestic and international use respectively. As at end-2023, […]
Estonia 2025
Market Overview Payment Organisation None (Pankade Kaardikeskus (PKK) became NETS Estonia). Domestic Payment Brands No domestic payment brands. Market Structure Estonia is the most developed digital market in the Baltic region. Mastercard cards replaced most of the VISA cards. There were 1.47 cards per capita in 2023 and 335.6 card payments per capita, of which […]
Denmark 2025
Market Overview Payment Organisation BOKIS, interbank organisation of the small Danish banks. MobilePay Denmark, operator of the mobile payment service, MobilePay. Domestic Payment Brands Dankort debit cards; co-badged VISA for international use. MobilePay is the mobile A2A payment service in Denmark. Market Structure Card use, already among the highest in Europe, hit 440.0 card payments […]
Czechia 2025
Market Overview Payment Organisation SBK Czech Bank Card Association (SBK/BCA). Domestic Payment Brands No domestic payment brands. Market Structure Continued growth of card use. By end-2023, there were 14.91 million cards with 237.9 card payments per capita. Cards issued are credit cards, debit cards, and prepaid cards. 91.00% of cards are debit cards that […]