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Country Report

Credit Card Transactions in

Credit Cards in Germany

21 pages, Nov 2018

US$990

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Executive Summary

New Report Guarantee

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

Credit cards the best performing financial card in 2018

In 2018, the credit card was the best performing financial card in terms of transaction value growth. Credit card usage in Germany was traditionally low due to the popularity of debit cards and delayed debit cards or charge cards.

Transaction volume growth outpaces value growth

In 2018, transaction volume growth outpaced value growth as consumers are increasingly using their credit cards for lower value payments, resulting in a decline in average spend per transaction. These figures reflect the growing daily usage of credit cards among German consumers.

Rising e-commerce and merchant acceptance to further boost credit card transactions

Credit card transaction volume and value growth in 2018 was also fuelled by increasing e-commerce in Germany. In many cases, for online transactions a credit or charge card is required as online platforms are looking to avoid high PayPal fees and consumer bank transfers.

COMPETITIVE LANDSCAPE

Mastercard remains the leading card operator

Mastercard continued to lead the category in terms of both credit cards in circulation and transaction value in 2017 thanks to an extensive network of issuers. Mastercard still sees significant growth potential for its credit card business in Germany and is introducing new innovations.

Barclays is the leading issuer

Barclays continued to grow in Germany in 2017, benefiting from a strong focus on driving its German credit card uptake via six different credit card offerings. Barclays continued to gain share, extending its lead over Targobank in terms of number of credit cards in circulation and retail value transactions.

Targobank loses ground

Since the acquisition of Valovis Commercial Bank's consumer banking operations, Targobank has been the second leading issuer of credit cards in Germany. However, in 2017, Targobank lost share in terms of number of credit cards in circulation and transaction value due to consolidation of its portfolio.

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Overview

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Charge Cards in Germany - Category analysis

Charge Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Germans expected to increase charge card usage

EU ban on card charges to support transaction growth

Readiness for contactless and mobile payments increases

COMPETITIVE LANDSCAPE

Savings and cooperative banks lead the way in terms of cards in circulation

Lufthansa AirPlus Servicekarten the most popular commercial charge card

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2013-2018
Table 2 Charge Cards Transactions 2013-2018
Table 3 Charge Cards in Circulation: % Growth 2013-2018
Table 4 Charge Cards Transactions: % Growth 2013-2018
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2013-2018
Table 6 Commercial Charge Cards Transactions 2013-2018
Table 7 Commercial Charge Cards in Circulation: % Growth 2013-2018
Table 8 Commercial Charge Cards Transactions: % Growth 2013-2018
Table 9 Personal Charge Cards: Number of Cards in Circulation 2013-2018
Table 10 Personal Charge Cards Transactions 2013-2018
Table 11 Personal Charge Cards in Circulation: % Growth 2013-2018
Table 12 Personal Charge Cards Transactions: % Growth 2013-2018
Table 13 Charge Cards: Number of Cards by Issuer 2013-2017
Table 14 Charge Cards: Number of Cards by Operator 2013-2017
Table 15 Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 16 Charge Cards Payment Transaction Value by Operator 2013-2017
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2013-2017
Table 18 Commercial Charge Cards: Number of Cards by Operator 2013-2017
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2013-2017
Table 21 Personal Charge Cards: Number of Cards by Issuer 2013-2017
Table 22 Personal Charge Cards: Number of Cards by Operator 2013-2017
Table 23 Personal Charge Cards Transaction Value by Issuer 2013-2017
Table 24 Personal Charge Cards Transaction Value by Operator 2013-2017
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2018-2023
Table 26 Forecast Charge Cards Transactions 2018-2023
Table 27 Forecast Charge Cards in Circulation: % Growth 2018-2023
Table 28 Forecast Charge Cards Transactions: % Growth 2018-2023
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 30 Forecast Commercial Charge Cards Transactions 2018-2023
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2018-2023
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2018-2023
Table 34 Forecast Personal Charge Cards Transactions 2018-2023
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2018-2023
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2018-2023

Credit Cards in Germany - Category analysis

Credit Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Credit cards the best performing financial card in 2018

Transaction volume growth outpaces value growth

Rising e-commerce and merchant acceptance to further boost credit card transactions

COMPETITIVE LANDSCAPE

Mastercard remains the leading card operator

Barclays is the leading issuer

Targobank loses ground

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2013-2018
Table 38 Credit Cards Transactions 2013-2018
Table 39 Credit Cards in Circulation: % Growth 2013-2018
Table 40 Credit Cards Transactions: % Growth 2013-2018
Table 41 Personal Credit Cards: Number of Cards in Circulation 2013-2018
Table 42 Personal Credit Cards Transactions 2013-2018
Table 43 Personal Credit Cards in Circulation: % Growth 2013-2018
Table 44 Personal Credit Cards Transactions: % Growth 2013-2018
Table 45 Credit Cards: Number of Cards by Issuer 2013-2017
Table 46 Credit Cards: Number of Cards by Operator 2013-2017
Table 47 Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 48 Credit Cards Payment Transaction Value by Operator 2013-2017
Table 49 Personal Credit Cards: Number of Cards by Issuer 2013-2017
Table 50 Personal Credit Cards: Number of Cards by Operator 2013-2017
Table 51 Personal Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 52 Personal Credit Cards Payment Transaction Value by Operator 2013-2017
Table 53 Forecast Credit Cards: Number of Cards in Circulation 2018-2023
Table 54 Forecast Credit Cards Transactions 2018-2023
Table 55 Forecast Credit Cards in Circulation: % Growth 2018-2023
Table 56 Forecast Credit Cards Transactions: % Growth 2018-2023
Table 57 Forecast Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 58 Forecast Personal Credit Cards Transactions 2018-2023
Table 59 Forecast Personal Credit Cards in Circulation: % Growth 2018-2023
Table 60 Forecast Personal Credit Cards Transactions: % Growth 2018-2023

Debit Cards in Germany - Category analysis

Debit Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Debit cards set to continue to dominate card payment transactions

Average spend per transaction expected to fall

Number of debit cards in circulation to reach saturation

COMPETITIVE LANDSCAPE

Traditional savings banks continue to lead debit cards

Direct banks record the strongest growth

CATEGORY DATA

Table 61 Debit Cards: Number of Cards in Circulation 2013-2018
Table 62 Debit Cards Transactions 2013-2018
Table 63 Debit Cards in Circulation: % Growth 2013-2018
Table 64 Debit Cards Transactions: % Growth 2013-2018
Table 65 Debit Cards: Number of Cards by Issuer 2013-2017
Table 66 Debit Cards: Number of Cards by Operator 2013-2017
Table 67 Debit Cards Payment Transaction Value by Issuer 2013-2017
Table 68 Debit Cards Payment Transaction Value by Operator 2013-2017
Table 69 Forecast Debit Cards: Number of Cards in Circulation 2018-2023
Table 70 Forecast Debit Cards Transactions 2018-2023
Table 71 Forecast Debit Cards in Circulation: % Growth 2018-2023
Table 72 Forecast Debit Cards Transactions: % Growth 2018-2023

Pre-Paid Cards in Germany - Category analysis

Pre-Paid Cards in Germany - Company Profile

HEADLINES

PROSPECTS

eTicket Deutschland expected to post the strongest growth

Merchant issued gift cards continue to grow

Different forecast for closed loop and open loop pre-paid cards

COMPETITIVE LANDSCAPE

BVR stops issuing GeldKarte

Gift cards remains a very fragmented category

Open loop pre-paid cards led by Wirecard, Schwäbische and Landesbank

CATEGORY DATA

Table 73 Pre-paid Cards: Number of Cards in Circulation 2013-2018
Table 74 Pre-paid Cards Transactions 2013-2018
Table 75 Pre-paid Cards in Circulation: % Growth 2013-2018
Table 76 Pre-paid Cards Transactions: % Growth 2013-2018
Table 77 Closed Loop Pre-paid Cards Transactions 2013-2018
Table 78 Closed Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 79 Open Loop Pre-paid Cards Transactions 2013-2018
Table 80 Open Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 81 Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 82 Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 83 Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 84 Pre-paid Cards Transaction Value by Operator 2013-2017
Table 85 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 86 Closed Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 87 Closed Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 88 Closed Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 89 Open Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 90 Open Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 91 Open Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 92 Open Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 93 Forecast Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 94 Forecast Pre-paid Cards Transactions 2018-2023
Table 95 Forecast Pre-paid Cards in Circulation: % Growth 2018-2023
Table 96 Forecast Pre-paid Cards Transactions: % Growth 2018-2023
Table 97 Forecast Closed Loop Pre-paid Cards Transactions 2018-2023
Table 98 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 99 Forecast Open Loop Pre-paid Cards Transactions 2018-2023
Table 100 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2018-2023

Store Cards in Germany - Category analysis

Store Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Store cards losing out to charge, credit and debit cards

Germans want convenience and a limited number of cards to carry

Popularity of loyalty cards also hampers demand for store cards

COMPETITIVE LANDSCAPE

IKEA FAMILY Bezahlkarte and Douglas Card lead the way

Different strategies in store cards

CATEGORY DATA

Table 101 Store Cards: Number of Cards in Circulation 2013-2018
Table 102 Store Cards Transactions 2013-2018
Table 103 Store Cards in Circulation: % Growth 2013-2018
Table 104 Store Cards Transactions: % Growth 2013-2018
Table 105 Store Cards: Number of Cards by Issuer 2013-2017
Table 106 Store Cards: Payment Transaction Value by Issuer 2013-2017
Table 107 Forecast Store Cards: Number of Cards in Circulation 2018-2023
Table 108 Forecast Store Cards Transactions 2018-2023
Table 109 Forecast Store Cards in Circulation: % Growth 2018-2023
Table 110 Forecast Store Cards Transactions: % Growth 2018-2023

Financial Cards and Payments in Germany - Industry Overview

EXECUTIVE SUMMARY

Robust economy fuels transaction value growth

Charge cards and credit cards on the rise

Contactless payment transactions pick up pace

Direct banks continue to grow

Financial cards to be the preferred future payment method

MARKET INDICATORS

Table 111 Number of POS Terminals: Units 2013-2018
Table 112 Number of ATMs: Units 2013-2018
Table 113 Value Lost to Fraud 2013-2018
Table 114 Card Expenditure by Location 2017
Table 115 Financial Cards in Circulation by Type: % Number of Cards 2013-2018
Table 116 Domestic versus Foreign Spend 2018

MARKET DATA

Table 117 Financial Cards by Category: Number of Cards in Circulation 2013-2018
Table 118 Financial Cards by Category: Number of Accounts 2013-2018
Table 119 Financial Cards Transactions by Category: Value 2013-2018
Table 120 Financial Cards by Category: Number of Transactions 2013-2018
Table 121 Consumer Payments by Category: Value 2013-2018
Table 122 Consumer Payments by Category: Number of Transactions 2013-2018
Table 123 M-Commerce by Category: Value 2013-2018
Table 124 M-Commerce by Category: % Value Growth 2013-2018
Table 125 Financial Cards: Number of Cards by Issuer 2013-2017
Table 126 Financial Cards: Number of Cards by Operator 2013-2017
Table 127 Financial Cards: Card Payment Transactions Value by Operator 2013-2017
Table 128 Financial Cards: Card Payment Transactions Value by Issuer 2013-2017
Table 129 Forecast Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 130 Forecast Financial Cards by Category: Number of Accounts 2018-2023
Table 131 Forecast Financial Cards Transactions by Category: Value 2018-2023
Table 132 Forecast Financial Cards by Category: Number of Transactions 2018-2023
Table 133 Forecast Consumer Payments by Category: Value 2018-2023
Table 134 Forecast Consumer Payments by Category: Number of Transactions 2018-2023
Table 135 Forecast M-Commerce by Category: Value 2018-2023
Table 136 Forecast M-Commerce by Category: % Value Growth 2018-2023

Megatrends

Country Report

Credit Cards in Germany

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Credit cards the best performing financial card in 2018

Transaction volume growth outpaces value growth

Rising e-commerce and merchant acceptance to further boost credit card transactions

COMPETITIVE LANDSCAPE

Mastercard remains the leading card operator

Barclays is the leading issuer

Targobank loses ground

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

Germans expected to increase charge card usage

EU ban on card charges to support transaction growth

Readiness for contactless and mobile payments increases

COMPETITIVE LANDSCAPE

Savings and cooperative banks lead the way in terms of cards in circulation

Lufthansa AirPlus Servicekarten the most popular commercial charge card

CATEGORY DATA

Credit Cards in Germany - Category analysis

Credit Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Credit cards the best performing financial card in 2018

Transaction volume growth outpaces value growth

Rising e-commerce and merchant acceptance to further boost credit card transactions

COMPETITIVE LANDSCAPE

Mastercard remains the leading card operator

Barclays is the leading issuer

Targobank loses ground

CATEGORY DATA

Debit Cards in Germany - Category analysis

Debit Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Debit cards set to continue to dominate card payment transactions

Average spend per transaction expected to fall

Number of debit cards in circulation to reach saturation

COMPETITIVE LANDSCAPE

Traditional savings banks continue to lead debit cards

Direct banks record the strongest growth

CATEGORY DATA

Pre-Paid Cards in Germany - Category analysis

Pre-Paid Cards in Germany - Company Profile

HEADLINES

PROSPECTS

eTicket Deutschland expected to post the strongest growth

Merchant issued gift cards continue to grow

Different forecast for closed loop and open loop pre-paid cards

COMPETITIVE LANDSCAPE

BVR stops issuing GeldKarte

Gift cards remains a very fragmented category

Open loop pre-paid cards led by Wirecard, Schwäbische and Landesbank

CATEGORY DATA

Store Cards in Germany - Category analysis

Store Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Store cards losing out to charge, credit and debit cards

Germans want convenience and a limited number of cards to carry

Popularity of loyalty cards also hampers demand for store cards

COMPETITIVE LANDSCAPE

IKEA FAMILY Bezahlkarte and Douglas Card lead the way

Different strategies in store cards

CATEGORY DATA

Financial Cards and Payments in Germany - Industry Overview

EXECUTIVE SUMMARY

Robust economy fuels transaction value growth

Charge cards and credit cards on the rise

Contactless payment transactions pick up pace