Credit Cards in Germany

November 2021
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Overview:

Understand the latest market trends and future growth opportunities for the Credit Card Transactions industry in Germany with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.

Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.

If you're in the Credit Card Transactions industry in Germany, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.

The Credit Card Transactions in Germany report includes:

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

This report answers:

  • What is the market size of Credit Card Transactions in Germany?
  • What are the major trends key to understanding Credit Card Transactions in Germany?
  • How has COVID-19, recession and macroeconomic volatility impacted the market?
  • How long will the market take to recover? What are the opportunities now?
  • How will political context and shifting cultural values shape future growth?
  • Where is future growth expected to be most dynamic?

Charge Cards in Germany - Category analysis

Charge Cards in Germany - Company Profile

KEY DATA FINDINGS

Pandemic continues to fuel more frequent use of charge cards in Germany
Mastercard to improve competitive position with exclusive Deutsche Bank partnership
E-commerce consumers feel the impact of PSD2 coming into full effect in 2021
Charge cards in a strong position to benefit from overall shift towards card payments
Charge cards to remain distant second to debit cards
Emergence of non-girocard debit cards provides potential growth risk
Table 1 Charge Cards: Number of Cards in Circulation 2016-2021
Table 2 Charge Cards Transactions 2016-2021
Table 3 Charge Cards in Circulation: % Growth 2016-2021
Table 4 Charge Cards Transactions: % Growth 2016-2021
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2016-2021
Table 6 Commercial Charge Cards Transactions 2016-2021
Table 7 Commercial Charge Cards in Circulation: % Growth 2016-2021
Table 8 Commercial Charge Cards Transactions: % Growth 2016-2021
Table 9 Personal Charge Cards: Number of Cards in Circulation 2016-2021
Table 10 Personal Charge Cards Transactions 2016-2021
Table 11 Personal Charge Cards in Circulation: % Growth 2016-2021
Table 12 Personal Charge Cards Transactions: % Growth 2016-2021
Table 13 Charge Cards: Number of Cards by Issuer 2016-2020
Table 14 Charge Cards: Number of Cards by Operator 2016-2020
Table 15 Charge Cards Payment Transaction Value by Issuer 2016-2020
Table 16 Charge Cards Payment Transaction Value by Operator 2016-2020
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2016-2020
Table 18 Commercial Charge Cards: Number of Cards by Operator 2016-2020
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2016-2020
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2016-2020
Table 21 Personal Charge Cards: Number of Cards by Issuer 2016-2020
Table 22 Personal Charge Cards: Number of Cards by Operator 2016-2020
Table 23 Personal Charge Cards Transaction Value by Issuer 2016-2020
Table 24 Personal Charge Cards Transaction Value by Operator 2016-2020
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2021-2026
Table 26 Forecast Charge Cards Transactions 2021-2026
Table 27 Forecast Charge Cards in Circulation: % Growth 2021-2026
Table 28 Forecast Charge Cards Transactions: % Growth 2021-2026
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2021-2026
Table 30 Forecast Commercial Charge Cards Transactions 2021-2026
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2021-2026
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2021-2026
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2021-2026
Table 34 Forecast Personal Charge Cards Transactions 2021-2026
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2021-2026
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2021-2026

Credit Cards in Germany - Category analysis

Credit Cards in Germany - Company Profile

KEY DATA FINDINGS

Credit cards benefit from long-term shift in payment behaviour
Reluctance largely persists among consumers and issuers due to debt aversion
Benefits of co-branding fuel consumer interest in credit cards
Credit cards poised to lose share to other payment cards despite rising adoption
Scepticism towards “pay later” approach will remain a huge obstacle for credit cards
Additional services attached to credit cards to remain as unique selling point
Table 37 Credit Cards: Number of Cards in Circulation 2016-2021
Table 38 Credit Cards Transactions 2016-2021
Table 39 Credit Cards in Circulation: % Growth 2016-2021
Table 40 Credit Cards Transactions: % Growth 2016-2021
Table 41 Personal Credit Cards: Number of Cards in Circulation 2016-2021
Table 42 Personal Credit Cards Transactions 2016-2021
Table 43 Personal Credit Cards in Circulation: % Growth 2016-2021
Table 44 Personal Credit Cards Transactions: % Growth 2016-2021
Table 45 Credit Cards: Number of Cards by Issuer 2016-2020
Table 46 Credit Cards: Number of Cards by Operator 2016-2020
Table 47 Credit Cards Payment Transaction Value by Issuer 2016-2020
Table 48 Credit Cards Payment Transaction Value by Operator 2016-2020
Table 49 Commercial Credit Cards: Number of Cards by Issuer 2016-2020
Table 50 Personal Credit Cards: Number of Cards by Issuer 2016-2020
Table 51 Personal Credit Cards: Number of Cards by Operator 2016-2020
Table 52 Personal Credit Cards Payment Transaction Value by Issuer 2016-2020
Table 53 Personal Credit Cards Payment Transaction Value by Operator 2016-2020
Table 54 Forecast Credit Cards: Number of Cards in Circulation 2021-2026
Table 55 Forecast Credit Cards Transactions 2021-2026
Table 56 Forecast Credit Cards in Circulation: % Growth 2021-2026
Table 57 Forecast Credit Cards Transactions: % Growth 2021-2026
Table 58 Forecast Personal Credit Cards: Number of Cards in Circulation 2021-2026
Table 59 Forecast Personal Credit Cards Transactions 2021-2026
Table 60 Forecast Personal Credit Cards in Circulation: % Growth 2021-2026
Table 61 Forecast Personal Credit Cards Transactions: % Growth 2021-2026

Debit Cards in Germany - Category analysis

Debit Cards in Germany - Company Profile

KEY DATA FINDINGS

Debit cards benefits from changing payment behaviour with further move away from cash
Surge in contactless payments propels debit card use
Dominant girocard faces growing competition amid increasing card usage
Further growth will see debit cards overtake cash as primary payment choice
Share of girocard within debit cards expected to decline
Growing shift towards digital payments poses future risk for debit cards
Table 62 Debit Cards: Number of Cards in Circulation 2016-2021
Table 63 Debit Cards Transactions 2016-2021
Table 64 Debit Cards in Circulation: % Growth 2016-2021
Table 65 Debit Cards Transactions: % Growth 2016-2021
Table 66 Debit Cards: Number of Cards by Issuer 2016-2020
Table 67 Debit Cards: Number of Cards by Operator 2016-2020
Table 68 Debit Cards Payment Transaction Value by Issuer 2016-2020
Table 69 Debit Cards Payment Transaction Value by Operator 2016-2020
Table 70 Forecast Debit Cards: Number of Cards in Circulation 2021-2026
Table 71 Forecast Debit Cards Transactions 2021-2026
Table 72 Forecast Debit Cards in Circulation: % Growth 2021-2026
Table 73 Forecast Debit Cards Transactions: % Growth 2021-2026

Pre-Paid Cards in Germany - Category analysis

Pre-Paid Cards in Germany - Company Profile

KEY DATA FINDINGS

Pre-paid cards recovers after pandemic-related downturn
Closed loop pre-paid cards rebounds in 2021
Geldkarte nears its end as Mastercard and Visa grow within open loop pre-paid cards
Pre-paid cards to continue its upward trend, albeit remaining a niche
Final surge of Geldkarte and rising growth potential for eTicket
Mastercard and Visa have potential to fuel popularity of open loop pre-paid cards
Table 74 Pre-paid Cards: Number of Cards in Circulation 2016-2021
Table 75 Pre-paid Cards Transactions 2016-2021
Table 76 Pre-paid Cards in Circulation: % Growth 2016-2021
Table 77 Pre-paid Cards Transactions: % Growth 2016-2021
Table 78 Closed Loop Pre-paid Cards Transactions 2016-2021
Table 79 Closed Loop Pre-paid Cards Transactions: % Growth 2016-2021
Table 80 Open Loop Pre-paid Cards Transactions 2016-2021
Table 81 Open Loop Pre-paid Cards Transactions: % Growth 2016-2021
Table 82 Pre-paid Cards: Number of Cards by Issuer 2016-2020
Table 83 Pre-paid Cards: Number of Cards by Operator 2016-2020
Table 84 Pre-paid Cards Transaction Value by Issuer 2016-2020
Table 85 Pre-paid Cards Transaction Value by Operator 2016-2020
Table 86 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2016-2020
Table 87 Closed Loop Pre-paid Cards: Number of Cards by Operator 2016-2020
Table 88 Closed Loop Pre-paid Cards Transaction Value by Issuer 2016-2020
Table 89 Closed Loop Pre-paid Cards Transaction Value by Operator 2016-2020
Table 90 Open Loop Pre-paid Cards: Number of Cards by Issuer 2016-2020
Table 91 Open Loop Pre-paid Cards: Number of Cards by Operator 2016-2020
Table 92 Open Loop Pre-paid Cards Transaction Value by Issuer 2016-2020
Table 93 Open Loop Pre-paid Cards Transaction Value by Operator 2016-2020
Table 94 Forecast Pre-paid Cards: Number of Cards in Circulation 2021-2026
Table 95 Forecast Pre-paid Cards Transactions 2021-2026
Table 96 Forecast Pre-paid Cards in Circulation: % Growth 2021-2026
Table 97 Forecast Pre-paid Cards Transactions: % Growth 2021-2026
Table 98 Forecast Closed Loop Pre-paid Cards Transactions 2021-2026
Table 99 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2021-2026
Table 100 Forecast Open Loop Pre-paid Cards Transactions 2021-2026
Table 101 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2021-2026

Store Cards in Germany - Category analysis

Store Cards in Germany - Company Profile

KEY DATA FINDINGS

Lack of recovery in 2021 underlines accelerating decline of store cards
Various alternatives place growing pressure on store cards
Consumer interest continues to diminish amid contactless surge
Store cards to remain on downward trend as consumers turn to other options
Accelerating pace of innovation in payments worsens store cards’ prospects
Store cards requires revamp to remain competitive
Table 102 Store Cards: Number of Cards in Circulation 2016-2021
Table 103 Store Cards Transactions 2016-2021
Table 104 Store Cards in Circulation: % Growth 2016-2021
Table 105 Store Cards Transactions: % Growth 2016-2021
Table 106 Store Cards: Number of Cards by Issuer 2016-2020
Table 107 Store Cards: Payment Transaction Value by Issuer 2016-2020
Table 108 Forecast Store Cards: Number of Cards in Circulation 2021-2026
Table 109 Forecast Store Cards Transactions 2021-2026
Table 110 Forecast Store Cards in Circulation: % Growth 2021-2026
Table 111 Forecast Store Cards Transactions: % Growth 2021-2026

Financial Cards and Payments in Germany - Industry Overview

Financial cards and payments in 2021: The big picture
Digital transformation in consumer finance takes shape
Economic recovery fuels payment transactions
Mobile payment options increase amid digitalisation push
Competitive landscape becomes increasingly multi-layered behind new options
What next for financial cards and payments?
Table 112 Number of POS Terminals: Units 2016-2021
Table 113 Number of ATMs: Units 2016-2021
Table 114 Value Lost to Fraud 2016-2021
Table 115 Card Expenditure by Location 2021
Table 116 Financial Cards in Circulation by Type: % Number of Cards 2016-2021
Table 117 Domestic versus Foreign Spend 2021
Table 118 Financial Cards by Category: Number of Cards in Circulation 2016-2021
Table 119 Financial Cards by Category: Number of Accounts 2016-2021
Table 120 Financial Cards Transactions by Category: Value 2016-2021
Table 121 Financial Cards by Category: Number of Transactions 2016-2021
Table 122 Consumer Payments by Category: Value 2016-2021
Table 123 Consumer Payments by Category: Number of Transactions 2016-2021
Table 124 M-Commerce by Category: Value 2016-2021
Table 125 M-Commerce by Category: % Value Growth 2016-2021
Table 126 Financial Cards: Number of Cards by Issuer 2016-2020
Table 127 Financial Cards: Number of Cards by Operator 2016-2020
Table 128 Financial Cards: Card Payment Transactions Value by Operator 2016-2020
Table 129 Financial Cards: Card Payment Transactions Value by Issuer 2016-2020
Table 130 Forecast Financial Cards by Category: Number of Cards in Circulation 2021-2026
Table 131 Forecast Financial Cards by Category: Number of Accounts 2021-2026
Table 132 Forecast Financial Cards Transactions by Category: Value 2021-2026
Table 133 Forecast Financial Cards by Category: Number of Transactions 2021-2026
Table 134 Forecast Consumer Payments by Category: Value 2021-2026
Table 135 Forecast Consumer Payments by Category: Number of Transactions 2021-2026
Table 136 Forecast M-Commerce by Category: Value 2021-2026
Table 137 Forecast M-Commerce by Category: % Value Growth 2021-2026

DISCLAIMER

Summary 1 Research Sources
The following categories and subcategories are included:

Credit Card Transactions

  • Commercial Credit Card Transactions
    • Average Personal Credit Card Balance
    • Average Personal Credit Card Limit
    • Personal Credit Card Utilisation

Credit Card Transactions

Credit cards allow for purchases against a preapproved line of credit. The account holder has the choice of whether to pay off the entire balance each month or opt for monthly instalments with the balance serving as revolving credit. If the cardholder decides to revolve a balance, the consumer pays interest. Credit cards can include affinity cards, reward cards and types of co-branded cards. Co-branded retailer cards—issued by retailers acting as financial institutions and without usage restrictions—are included in this category. Cards issued by a retailer with usage limited to a specific store within a predefined retail group fall under the store cards definition. Debit cards with an overdraft function are not counted as cards with a credit function.

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This report originates from Passport, our Credit Card Transactions research and analysis database.

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