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Country Report

Credit Card Transactions in

Credit Cards in Germany

Nov 2020

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!

2020 IMPACT

Credit cards benefit from COVID-19-related increase in payment card usage

Transaction volume and value of credit cards recorded decent growth rates, against the backdrop of the COVID-19 pandemic, while cards in circulation also saw an uptick. This is especially due to the overall shift towards non-cash payments during the pandemic and the ensuing growth of card usage.

Surging e-commerce payments fuel co-branded credit cards

As a result of lockdown measures as well as health concerns in store-based retailing, 2020 saw e-commerce gain considerable share in retailing overall. Against this backdrop, online purchases via credit cards posted significant growth, especially through co-branded cards.

Revolving credit becomes more important amidst economic uncertainty

With a typically cautious approach to debt, German consumers have long avoided credit cards, also as a result of a lack of product availability. However, the economic impact of COVID-19 increased the appeal of credit cards, as they give consumers flexibility through an additional option to bridge short-term financial straits.

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Overview

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.

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Overview

Discover the latest market trends and uncover sources of future market growth for the Credit 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 Credit Card Transactions industry in Germany, our research will save you time and money while empowering you to make informed, profitable decisions.

The Credit 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 Credit 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 Credit 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

KEY DATA FINDINGS

2020 IMPACT

Charge cards surge in view of COVID-19-related payment shifts

Growing merchant acceptance in 2020 fuels growth trend

Consumer view on charge cards evolves amid COVID-19 pandemic

RECOVERY AND OPPORTUNITIES

Operators and issuers seek further growth through focus on consumer benefits

Increased usage of mobile payments offers growth impetus

Commercial charge cards suffer from bleak outlook for business travel

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2015-2020
Table 2 Charge Cards Transactions 2015-2020
Table 3 Charge Cards in Circulation: % Growth 2015-2020
Table 4 Charge Cards Transactions: % Growth 2015-2020
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2015-2020
Table 6 Commercial Charge Cards Transactions 2015-2020
Table 7 Commercial Charge Cards in Circulation: % Growth 2015-2020
Table 8 Commercial Charge Cards Transactions: % Growth 2015-2020
Table 9 Personal Charge Cards: Number of Cards in Circulation 2015-2020
Table 10 Personal Charge Cards Transactions 2015-2020
Table 11 Personal Charge Cards in Circulation: % Growth 2015-2020
Table 12 Personal Charge Cards Transactions: % Growth 2015-2020
Table 13 Charge Cards: Number of Cards by Issuer 2015-2019
Table 14 Charge Cards: Number of Cards by Operator 2015-2019
Table 15 Charge Cards Payment Transaction Value by Issuer 2015-2019
Table 16 Charge Cards Payment Transaction Value by Operator 2015-2019
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2015-2019
Table 18 Commercial Charge Cards: Number of Cards by Operator 2015-2019
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2015-2019
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2015-2019
Table 21 Personal Charge Cards: Number of Cards by Issuer 2015-2019
Table 22 Personal Charge Cards: Number of Cards by Operator 2015-2019
Table 23 Personal Charge Cards Transaction Value by Issuer 2015-2019
Table 24 Personal Charge Cards Transaction Value by Operator 2015-2019
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2020-2025
Table 26 Forecast Charge Cards Transactions 2020-2025
Table 27 Forecast Charge Cards in Circulation: % Growth 2020-2025
Table 28 Forecast Charge Cards Transactions: % Growth 2020-2025
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2020-2025
Table 30 Forecast Commercial Charge Cards Transactions 2020-2025
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2020-2025
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2020-2025
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2020-2025
Table 34 Forecast Personal Charge Cards Transactions 2020-2025
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2020-2025
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2020-2025

Credit Cards in Germany - Category analysis

Credit Cards in Germany - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Credit cards benefit from COVID-19-related increase in payment card usage

Surging e-commerce payments fuel co-branded credit cards

Revolving credit becomes more important amidst economic uncertainty

RECOVERY AND OPPORTUNITIES

Low awareness points to strong growth potential

Co-branded credit cards provide critical added value necessary for growth

Banks with strong incentive to increase card lending

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2015-2020
Table 38 Credit Cards Transactions 2015-2020
Table 39 Credit Cards in Circulation: % Growth 2015-2020
Table 40 Credit Cards Transactions: % Growth 2015-2020
Table 41 Personal Credit Cards: Number of Cards in Circulation 2015-2020
Table 42 Personal Credit Cards Transactions 2015-2020
Table 43 Personal Credit Cards in Circulation: % Growth 2015-2020
Table 44 Personal Credit Cards Transactions: % Growth 2015-2020
Table 45 Credit Cards: Number of Cards by Issuer 2015-2019
Table 46 Credit Cards: Number of Cards by Operator 2015-2019
Table 47 Credit Cards Payment Transaction Value by Issuer 2015-2019
Table 48 Credit Cards Payment Transaction Value by Operator 2015-2019
Table 49 Personal Credit Cards: Number of Cards by Issuer 2015-2019
Table 50 Personal Credit Cards: Number of Cards by Operator 2015-2019
Table 51 Personal Credit Cards Payment Transaction Value by Issuer 2015-2019
Table 52 Personal Credit Cards Payment Transaction Value by Operator 2015-2019
Table 53 Forecast Credit Cards: Number of Cards in Circulation 2020-2025
Table 54 Forecast Credit Cards Transactions 2020-2025
Table 55 Forecast Credit Cards in Circulation: % Growth 2020-2025
Table 56 Forecast Credit Cards Transactions: % Growth 2020-2025
Table 57 Forecast Personal Credit Cards: Number of Cards in Circulation 2020-2025
Table 58 Forecast Personal Credit Cards Transactions 2020-2025
Table 59 Forecast Personal Credit Cards in Circulation: % Growth 2020-2025
Table 60 Forecast Personal Credit Cards Transactions: % Growth 2020-2025

Debit Cards in Germany - Category analysis

Debit Cards in Germany - Company Profile

KEY DATA FINDINGS

2020 IMPACT

COVID-19-related shift to cards fuels debit card transactions

COVID-19 accelerates already existing surge of debit card payments

Non-girocard debit cards see growing consumer interest

RECOVERY AND OPPORTUNITIES

Despite ongoing shift, questions remain about sustained debit card growth potential

Girocard for mobile payments provides further boost for debit cards

Commercial debit cards offer additional growth potential

CATEGORY DATA

Table 61 Debit Cards: Number of Cards in Circulation 2015-2020
Table 62 Debit Cards Transactions 2015-2020
Table 63 Debit Cards in Circulation: % Growth 2015-2020
Table 64 Debit Cards Transactions: % Growth 2015-2020
Table 65 Debit Cards: Number of Cards by Issuer 2015-2019
Table 66 Debit Cards: Number of Cards by Operator 2015-2019
Table 67 Debit Cards Payment Transaction Value by Issuer 2015-2019
Table 68 Debit Cards Payment Transaction Value by Operator 2015-2019
Table 69 Forecast Debit Cards: Number of Cards in Circulation 2020-2025
Table 70 Forecast Debit Cards Transactions 2020-2025
Table 71 Forecast Debit Cards in Circulation: % Growth 2020-2025
Table 72 Forecast Debit Cards Transactions: % Growth 2020-2025

Pre-Paid Cards in Germany - Category analysis

Pre-Paid Cards in Germany - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Pre-paid cards hit by the strong decline in consumer expenditure

Open-loop pre-paid cards performance driven by pandemic-related shift to cards

Lockdown measures have a negative effect on closed-loop pre-paid cards

RECOVERY AND OPPORTUNITIES

Pre-paid cards are expected to return to growth path

Open-loop pre-paid cards lose growth momentum over the forecast period

Closed-loop pre-paid cards will return to growth over the forecast period

CATEGORY DATA

Table 73 Pre-paid Cards: Number of Cards in Circulation 2015-2020
Table 74 Pre-paid Cards Transactions 2015-2020
Table 75 Pre-paid Cards in Circulation: % Growth 2015-2020
Table 76 Pre-paid Cards Transactions: % Growth 2015-2020
Table 77 Closed Loop Pre-paid Cards Transactions 2015-2020
Table 78 Closed Loop Pre-paid Cards Transactions: % Growth 2015-2020
Table 79 Open Loop Pre-paid Cards Transactions 2015-2020
Table 80 Open Loop Pre-paid Cards Transactions: % Growth 2015-2020
Table 81 Pre-paid Cards: Number of Cards by Issuer 2015-2019
Table 82 Pre-paid Cards: Number of Cards by Operator 2015-2019
Table 83 Pre-paid Cards Transaction Value by Issuer 2015-2019
Table 84 Pre-paid Cards Transaction Value by Operator 2015-2019
Table 85 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2015-2019
Table 86 Closed Loop Pre-paid Cards: Number of Cards by Operator 2015-2019
Table 87 Closed Loop Pre-paid Cards Transaction Value by Issuer 2015-2019
Table 88 Closed Loop Pre-paid Cards Transaction Value by Operator 2015-2019
Table 89 Open Loop Pre-paid Cards: Number of Cards by Issuer 2015-2019
Table 90 Open Loop Pre-paid Cards: Number of Cards by Operator 2015-2019
Table 91 Open Loop Pre-paid Cards Transaction Value by Issuer 2015-2019
Table 92 Open Loop Pre-paid Cards Transaction Value by Operator 2015-2019
Table 93 Forecast Pre-paid Cards: Number of Cards in Circulation 2020-2025
Table 94 Forecast Pre-paid Cards Transactions 2020-2025
Table 95 Forecast Pre-paid Cards in Circulation: % Growth 2020-2025
Table 96 Forecast Pre-paid Cards Transactions: % Growth 2020-2025
Table 97 Forecast Closed Loop Pre-paid Cards Transactions 2020-2025
Table 98 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 99 Forecast Open Loop Pre-paid Cards Transactions 2020-2025
Table 100 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2020-2025

Store Cards in Germany - Category analysis

Store Cards in Germany - Company Profile

KEY DATA FINDINGS

2020 IMPACT

COVID19-related decline in store-based sales negatively impacts store cards

COVID-19 accelerates already existing downward trend of store cards

COVID-19-related growth of debit, charge and credit cards compounds decline

RECOVERY AND OPPORTUNITIES

Store cards expected to remain on a long-term downward trend

Trend points towards expansion of co-branded charge and credit cards

Digital store cards provide growth opportunity

CATEGORY DATA

Table 101 Store Cards: Number of Cards in Circulation 2015-2020
Table 102 Store Cards Transactions 2015-2020
Table 103 Store Cards in Circulation: % Growth 2015-2020
Table 104 Store Cards Transactions: % Growth 2015-2020
Table 105 Store Cards: Number of Cards by Issuer 2015-2019
Table 106 Store Cards: Payment Transaction Value by Issuer 2015-2019
Table 107 Forecast Store Cards: Number of Cards in Circulation 2020-2025
Table 108 Forecast Store Cards Transactions 2020-2025
Table 109 Forecast Store Cards in Circulation: % Growth 2020-2025
Table 110 Forecast Store Cards Transactions: % Growth 2020-2025

Financial Cards and Payments in Germany - Industry Overview

EXECUTIVE SUMMARY

COVID-19 impact on consumer payments

COVID-19 country impact

Unprecedented stimulus programme aims to mitigate impact on consumer spending

Smartphone use and contactless technology drive changing payment behaviour

Competitive landscape becomes more dynamic as payment behaviour shifts

What next for consumer payments?

MARKET INDICATORS

Table 111 Number of POS Terminals: Units 2015-2020
Table 112 Number of ATMs: Units 2015-2020
Table 113 Value Lost to Fraud 2015-2020
Table 114 Card Expenditure by Location 2020
Table 115 Financial Cards in Circulation by Type: % Number of Cards 2015-2020
Table 116 Domestic versus Foreign Spend 2020

MARKET DATA

Table 117 Financial Cards by Category: Number of Cards in Circulation 2015-2020
Table 118 Financial Cards by Category: Number of Accounts 2015-2020
Table 119 Financial Cards Transactions by Category: Value 2015-2020
Table 120 Financial Cards by Category: Number of Transactions 2015-2020
Table 121 Consumer Payments by Category: Value 2015-2020
Table 122 Consumer Payments by Category: Number of Transactions 2015-2020
Table 123 M-Commerce by Category: Value 2015-2020
Table 124 M-Commerce by Category: % Value Growth 2015-2020
Table 125 Financial Cards: Number of Cards by Issuer 2015-2019
Table 126 Financial Cards: Number of Cards by Operator 2015-2019
Table 127 Financial Cards: Card Payment Transactions Value by Operator 2015-2019
Table 128 Financial Cards: Card Payment Transactions Value by Issuer 2015-2019
Table 129 Forecast Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 130 Forecast Financial Cards by Category: Number of Accounts 2020-2025
Table 131 Forecast Financial Cards Transactions by Category: Value 2020-2025
Table 132 Forecast Financial Cards by Category: Number of Transactions 2020-2025
Table 133 Forecast Consumer Payments by Category: Value 2020-2025
Table 134 Forecast Consumer Payments by Category: Number of Transactions 2020-2025
Table 135 Forecast M-Commerce by Category: Value 2020-2025
Table 136 Forecast M-Commerce by Category: % Value Growth 2020-2025

Megatrends

Country Report

Credit Cards in Germany

New Report Guarantee

Executive Summary

New Report Guarantee

2020 IMPACT

Credit cards benefit from COVID-19-related increase in payment card usage

Surging e-commerce payments fuel co-branded credit cards

Revolving credit becomes more important amidst economic uncertainty

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

KEY DATA FINDINGS

2020 IMPACT

Charge cards surge in view of COVID-19-related payment shifts

Growing merchant acceptance in 2020 fuels growth trend

Consumer view on charge cards evolves amid COVID-19 pandemic

RECOVERY AND OPPORTUNITIES

Operators and issuers seek further growth through focus on consumer benefits

Increased usage of mobile payments offers growth impetus

Commercial charge cards suffer from bleak outlook for business travel

CATEGORY DATA

Credit Cards in Germany - Category analysis

Credit Cards in Germany - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Credit cards benefit from COVID-19-related increase in payment card usage

Surging e-commerce payments fuel co-branded credit cards

Revolving credit becomes more important amidst economic uncertainty

RECOVERY AND OPPORTUNITIES

Low awareness points to strong growth potential

Co-branded credit cards provide critical added value necessary for growth

Banks with strong incentive to increase card lending

CATEGORY DATA

Debit Cards in Germany - Category analysis

Debit Cards in Germany - Company Profile

KEY DATA FINDINGS

2020 IMPACT

COVID-19-related shift to cards fuels debit card transactions

COVID-19 accelerates already existing surge of debit card payments

Non-girocard debit cards see growing consumer interest

RECOVERY AND OPPORTUNITIES

Despite ongoing shift, questions remain about sustained debit card growth potential

Girocard for mobile payments provides further boost for debit cards

Commercial debit cards offer additional growth potential

CATEGORY DATA

Pre-Paid Cards in Germany - Category analysis

Pre-Paid Cards in Germany - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Pre-paid cards hit by the strong decline in consumer expenditure

Open-loop pre-paid cards performance driven by pandemic-related shift to cards

Lockdown measures have a negative effect on closed-loop pre-paid cards

RECOVERY AND OPPORTUNITIES

Pre-paid cards are expected to return to growth path

Open-loop pre-paid cards lose growth momentum over the forecast period

Closed-loop pre-paid cards will return to growth over the forecast period

CATEGORY DATA

Store Cards in Germany - Category analysis

Store Cards in Germany - Company Profile

KEY DATA FINDINGS

2020 IMPACT

COVID19-related decline in store-based sales negatively impacts store cards

COVID-19 accelerates already existing downward trend of store cards

COVID-19-related growth of debit, charge and credit cards compounds decline

RECOVERY AND OPPORTUNITIES

Store cards expected to remain on a long-term downward trend

Trend points towards expansion of co-branded charge and credit cards

Digital store cards provide growth opportunity

CATEGORY DATA

Financial Cards and Payments in Germany - Industry Overview

EXECUTIVE SUMMARY