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Country Report

Charge Card Transactions in

Charge Cards in Germany

Oct 2019

US$990

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Executive Summary

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If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

PROSPECTS

Charge cards see growing significance among consumers

Similar to credit cards, charge cards in Germany continued to post strong growth in terms of transaction volume and value as well as cards in circulation in 2019. While showing a still significant gap to debit cards, charge cards recorded considerably higher usage compared to credit cards.

Usage remains relatively low as acceptances increases

The expected strong growth in the number of charge cards in circulation and transactions in terms of volume and value over the forecast period lead to the question whether charge cards will be able to challenge debit cards in Germany regarding everyday usage. Lower card fees for merchants resulting from EU regulations have already led to higher acceptance, including at leading discounters and other retailers which in turn is resulting in growing consumer expectations regarding acceptance at other outlets.

Charge cards likely to face increasing competition from emerging debit cards

In recent years, charge cards have been increasingly influential in the German payment landscape, driven by the growth of e-commerce and the emergence of mobile payments. The latter was especially fuelled by the market entry of Apple Pay in Germany in late 2018.

COMPETITIVE LANDSCAPE

Visa expected to overtake Mastercard in terms of cards in circulation

In 2018, Visa posted strong growth in Germany in both transactions and cards in circulation within charge cards. The high brand awareness among consumers is currently further supported by the most significant marketing campaign for the German market in its history.

Cooperative and savings banks expand lead in cards issued

Due to their large customer base, the German Savings Banks Association (DSGV) and the National Association of Cooperative Banks (BVR) were in a strong position in 2018 to benefit from the rising consumer interest in charge cards, offering customers attractive conditions while linking charge cards to their existing accounts. Thereby, both associations were able to expand their positions as the leading and second leading issuers, respectively.

AirPlus remains dominant in commercial charge cards

In Germany, commercial charge cards are the most significant commercial financial cards in terms of prevalence and transaction value. In 2018, Lufthansa AirPlus Servicekarten further expanded its strong lead in both regards.

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Overview

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Gain competitive intelligence about market leaders. Track key industry trends, opportunities and threats. Inform your marketing, brand, strategy and market development, sales and supply functions.

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Overview

Discover the latest market trends and uncover sources of future market growth for the Charge Card Transactions industry in Germany with research from Euromonitor's team of in-country analysts.

Find hidden opportunities in the most current research data available, understand competitive threats with our detailed market analysis, and plan your corporate strategy with our expert qualitative analysis and growth projections.

If you're in the Charge Card Transactions industry in Germany, our research will save you time and money while empowering you to make informed, profitable decisions.

The Charge Card Transactions in Germany market research report includes:

Analysis of key supply-side and demand trends
Detailed segmentation of international and local products
Historic volumes and values, company and brand market shares
Five year forecasts of market trends and market growth
Robust and transparent market research methodology, conducted in-country

Our market research reports answer questions such as:

What is the market size of Charge Card Transactions in Germany?
What are the major operators and issuers in Germany?
What is the current state and expected evolution of consumer payment preference?
What payment instrument offers the highest growth potential?
What strategies and positioning have consumer finance companies utilized to win in the market?

Why buy this report?

Gain competitive intelligence about market leaders
Track key industry trends, opportunities and threats
Inform your marketing, brand, strategy and market development, sales and supply functions

Euromonitor’s industry reports, including Charge Card Transactions in Germany, originate from our database within our Consumer Finance market share and market size database

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Charge Cards in Germany - Category analysis

Charge Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Charge cards see growing significance among consumers

Usage remains relatively low as acceptances increases

Charge cards likely to face increasing competition from emerging debit cards

COMPETITIVE LANDSCAPE

Visa expected to overtake Mastercard in terms of cards in circulation

Cooperative and savings banks expand lead in cards issued

AirPlus remains dominant in commercial charge cards

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2014-2019
Table 2 Charge Cards Transactions 2014-2019
Table 3 Charge Cards in Circulation: % Growth 2014-2019
Table 4 Charge Cards Transactions: % Growth 2014-2019
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2014-2019
Table 6 Commercial Charge Cards Transactions 2014-2019
Table 7 Commercial Charge Cards in Circulation: % Growth 2014-2019
Table 8 Commercial Charge Cards Transactions: % Growth 2014-2019
Table 9 Personal Charge Cards: Number of Cards in Circulation 2014-2019
Table 10 Personal Charge Cards Transactions 2014-2019
Table 11 Personal Charge Cards in Circulation: % Growth 2014-2019
Table 12 Personal Charge Cards Transactions: % Growth 2014-2019
Table 13 Charge Cards: Number of Cards by Issuer 2014-2018
Table 14 Charge Cards: Number of Cards by Operator 2014-2018
Table 15 Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 16 Charge Cards Payment Transaction Value by Operator 2014-2018
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2014-2018
Table 18 Commercial Charge Cards: Number of Cards by Operator 2014-2018
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2014-2018
Table 21 Personal Charge Cards: Number of Cards by Issuer 2014-2018
Table 22 Personal Charge Cards: Number of Cards by Operator 2014-2018
Table 23 Personal Charge Cards Transaction Value by Issuer 2014-2018
Table 24 Personal Charge Cards Transaction Value by Operator 2014-2018
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2019-2024
Table 26 Forecast Charge Cards Transactions 2019-2024
Table 27 Forecast Charge Cards in Circulation: % Growth 2019-2024
Table 28 Forecast Charge Cards Transactions: % Growth 2019-2024
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2019-2024
Table 30 Forecast Commercial Charge Cards Transactions 2019-2024
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2019-2024
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2019-2024
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2019-2024
Table 34 Forecast Personal Charge Cards Transactions 2019-2024
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2019-2024
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2019-2024

Credit Cards in Germany - Category analysis

Credit Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Growing interest in financial cards fuels credit cards

Credit cards expected to remain niche product despite upward trend

Recent regulations expected to have contrary effects on usage

COMPETITIVE LANDSCAPE

Barclays remains uncontested leader in credit cards

Amazon introduces new credit card in Germany

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2014-2019
Table 38 Credit Cards Transactions 2014-2019
Table 39 Credit Cards in Circulation: % Growth 2014-2019
Table 40 Credit Cards Transactions: % Growth 2014-2019
Table 41 Personal Credit Cards: Number of Cards in Circulation 2014-2019
Table 42 Personal Credit Cards Transactions 2014-2019
Table 43 Personal Credit Cards in Circulation: % Growth 2014-2019
Table 44 Personal Credit Cards Transactions: % Growth 2014-2019
Table 45 Credit Cards: Number of Cards by Issuer 2014-2018
Table 46 Credit Cards: Number of Cards by Operator 2014-2018
Table 47 Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 48 Credit Cards Payment Transaction Value by Operator 2014-2018
Table 49 Personal Credit Cards: Number of Cards by Issuer 2014-2018
Table 50 Personal Credit Cards: Number of Cards by Operator 2014-2018
Table 51 Personal Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 52 Personal Credit Cards Payment Transaction Value by Operator 2014-2018
Table 53 Forecast Credit Cards: Number of Cards in Circulation 2019-2024
Table 54 Forecast Credit Cards Transactions 2019-2024
Table 55 Forecast Credit Cards in Circulation: % Growth 2019-2024
Table 56 Forecast Credit Cards Transactions: % Growth 2019-2024
Table 57 Forecast Personal Credit Cards: Number of Cards in Circulation 2019-2024
Table 58 Forecast Personal Credit Cards Transactions 2019-2024
Table 59 Forecast Personal Credit Cards in Circulation: % Growth 2019-2024
Table 60 Forecast Personal Credit Cards Transactions: % Growth 2019-2024

Debit Card Transactions - Category analysis

Debit Card Transactions - Company Profile

HEADLINES

PROSPECTS

Rise of contactless payments boosts transaction volume and value

Strong upward trend in transactions expected to continue

Flat development expected for debit cards in circulation

COMPETITIVE LANDSCAPE

Girocard expected to face increasing competition

Cooperative and savings banks by far the leading issuers of debit cards

CATEGORY DATA

Table 61 Debit Cards: Number of Cards in Circulation 2014-2019
Table 62 Debit Cards Transactions 2014-2019
Table 63 Debit Cards in Circulation: % Growth 2014-2019
Table 64 Debit Cards Transactions: % Growth 2014-2019
Table 65 Debit Cards: Number of Cards by Issuer 2014-2018
Table 66 Debit Cards: Number of Cards by Operator 2014-2018
Table 67 Debit Cards Payment Transaction Value by Issuer 2014-2018
Table 68 Debit Cards Payment Transaction Value by Operator 2014-2018
Table 69 Forecast Debit Cards: Number of Cards in Circulation 2019-2024
Table 70 Forecast Debit Cards Transactions 2019-2024
Table 71 Forecast Debit Cards in Circulation: % Growth 2019-2024
Table 72 Forecast Debit Cards Transactions: % Growth 2019-2024

Pre-Paid Cards in Germany - Category analysis

Pre-Paid Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Open loop pre-paid cards expected to continue ongoing downward trend

Closed loop pre-paid cards driven by transportation and gift cards

Rise of contactless payments expected to impact pre-paid cards

COMPETITIVE LANDSCAPE

Closed loop leader eticket Deutschland with further growth potential

Major on- and offline retailers lead gift cards

Mastercard and Visa compete for lead among open loop pre-paid operators

CATEGORY DATA

Table 73 Pre-paid Cards: Number of Cards in Circulation 2014-2019
Table 74 Pre-paid Cards Transactions 2014-2019
Table 75 Pre-paid Cards in Circulation: % Growth 2014-2019
Table 76 Pre-paid Cards Transactions: % Growth 2014-2019
Table 77 Closed Loop Pre-paid Cards Transactions 2014-2019
Table 78 Closed Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 79 Open Loop Pre-paid Cards Transactions 2014-2019
Table 80 Open Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 81 Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 82 Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 83 Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 84 Pre-paid Cards Transaction Value by Operator 2014-2018
Table 85 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 86 Closed Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 87 Closed Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 88 Closed Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 89 Open Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 90 Open Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 91 Open Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 92 Open Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 93 Forecast Pre-paid Cards: Number of Cards in Circulation 2019-2024
Table 94 Forecast Pre-paid Cards Transactions 2019-2024
Table 95 Forecast Pre-paid Cards in Circulation: % Growth 2019-2024
Table 96 Forecast Pre-paid Cards Transactions: % Growth 2019-2024
Table 97 Forecast Closed Loop Pre-paid Cards Transactions 2019-2024
Table 98 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 99 Forecast Open Loop Pre-paid Cards Transactions 2019-2024
Table 100 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2019-2024

Store Cards in Germany - Category analysis

Store Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Store cards continues downward trend

In-app payment solutions gradually replace traditional store cards

The rise of other card payments negatively impacts store cards further

COMPETITIVE LANDSCAPE

IKEA FAMILY Bezahlkarte to be increasingly replaced by new IKEA credit card

Digital store cards by Douglas and Breuninger expected to see increasing use

CATEGORY DATA

Table 101 Store Cards: Number of Cards in Circulation 2014-2019
Table 102 Store Cards Transactions 2014-2019
Table 103 Store Cards in Circulation: % Growth 2014-2019
Table 104 Store Cards Transactions: % Growth 2014-2019
Table 105 Store Cards: Number of Cards by Issuer 2014-2018
Table 106 Store Cards: Payment Transaction Value by Issuer 2014-2018
Table 107 Forecast Store Cards: Number of Cards in Circulation 2019-2024
Table 108 Forecast Store Cards Transactions 2019-2024
Table 109 Forecast Store Cards in Circulation: % Growth 2019-2024
Table 110 Forecast Store Cards Transactions: % Growth 2019-2024

Financial Cards and Payments in Germany - Industry Overview

EXECUTIVE SUMMARY

Financial cards remain on a strong upward trend in Germany

Massive shift in the German payment landscape continues in 2019

Electronic payments dominate payment value

Competition among operators and issuers intensifies as card usage increases

With shift expected to be permanent, future growth potential remains strong

MARKET INDICATORS

Table 111 Number of POS Terminals: Units 2014-2019
Table 112 Number of ATMs: Units 2014-2019
Table 113 Value Lost to Fraud 2014-2019
Table 114 Card Expenditure by Location 2019
Table 115 Financial Cards in Circulation by Type: % Number of Cards 2014-2019
Table 116 Domestic versus Foreign Spend 2019

MARKET DATA

Table 117 Financial Cards by Category: Number of Cards in Circulation 2014-2019
Table 118 Financial Cards by Category: Number of Accounts 2014-2019
Table 119 Financial Cards Transactions by Category: Value 2014-2019
Table 120 Financial Cards by Category: Number of Transactions 2014-2019
Table 121 Consumer Payments by Category: Value 2014-2019
Table 122 Consumer Payments by Category: Number of Transactions 2014-2019
Table 123 M-Commerce by Category: Value 2014-2019
Table 124 M-Commerce by Category: % Value Growth 2014-2019
Table 125 Financial Cards: Number of Cards by Issuer 2014-2018
Table 126 Financial Cards: Number of Cards by Operator 2014-2018
Table 127 Financial Cards: Card Payment Transactions Value by Operator 2014-2018
Table 128 Financial Cards: Card Payment Transactions Value by Issuer 2014-2018
Table 129 Forecast Financial Cards by Category: Number of Cards in Circulation 2019-2024
Table 130 Forecast Financial Cards by Category: Number of Accounts 2019-2024
Table 131 Forecast Financial Cards Transactions by Category: Value 2019-2024
Table 132 Forecast Financial Cards by Category: Number of Transactions 2019-2024
Table 133 Forecast Consumer Payments by Category: Value 2019-2024
Table 134 Forecast Consumer Payments by Category: Number of Transactions 2019-2024
Table 135 Forecast M-Commerce by Category: Value 2019-2024
Table 136 Forecast M-Commerce by Category: % Value Growth 2019-2024

Megatrends

Country Report

Charge Cards in Germany

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Charge cards see growing significance among consumers

Usage remains relatively low as acceptances increases

Charge cards likely to face increasing competition from emerging debit cards

COMPETITIVE LANDSCAPE

Visa expected to overtake Mastercard in terms of cards in circulation

Cooperative and savings banks expand lead in cards issued

AirPlus remains dominant in commercial charge cards

Overview

Why buy this report?

SAMPLES

Delivery Method

Overview

Why buy this report?

Want to find out more about this report?

Table of Contents

Charge Cards in Germany - Category analysis

Charge Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Charge cards see growing significance among consumers

Usage remains relatively low as acceptances increases

Charge cards likely to face increasing competition from emerging debit cards

COMPETITIVE LANDSCAPE

Visa expected to overtake Mastercard in terms of cards in circulation

Cooperative and savings banks expand lead in cards issued

AirPlus remains dominant in commercial charge cards

CATEGORY DATA

Credit Cards in Germany - Category analysis

Credit Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Growing interest in financial cards fuels credit cards

Credit cards expected to remain niche product despite upward trend

Recent regulations expected to have contrary effects on usage

COMPETITIVE LANDSCAPE

Barclays remains uncontested leader in credit cards

Amazon introduces new credit card in Germany

CATEGORY DATA

Debit Card Transactions - Category analysis

Debit Card Transactions - Company Profile

HEADLINES

PROSPECTS

Rise of contactless payments boosts transaction volume and value

Strong upward trend in transactions expected to continue

Flat development expected for debit cards in circulation

COMPETITIVE LANDSCAPE

Girocard expected to face increasing competition

Cooperative and savings banks by far the leading issuers of debit cards

CATEGORY DATA

Pre-Paid Cards in Germany - Category analysis

Pre-Paid Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Open loop pre-paid cards expected to continue ongoing downward trend

Closed loop pre-paid cards driven by transportation and gift cards

Rise of contactless payments expected to impact pre-paid cards

COMPETITIVE LANDSCAPE

Closed loop leader eticket Deutschland with further growth potential

Major on- and offline retailers lead gift cards

Mastercard and Visa compete for lead among open loop pre-paid operators

CATEGORY DATA

Store Cards in Germany - Category analysis

Store Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Store cards continues downward trend

In-app payment solutions gradually replace traditional store cards

The rise of other card payments negatively impacts store cards further

COMPETITIVE LANDSCAPE

IKEA FAMILY Bezahlkarte to be increasingly replaced by new IKEA credit card

Digital store cards by Douglas and Breuninger expected to see increasing use

CATEGORY DATA

Financial Cards and Payments in Germany - Industry Overview