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Country Report

Credit Card Transactions in

Credit Cards in Germany

21 pages, Oct 2017

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 fastest growing payment card

Credit card usage in Germany was traditionally low due to the popularity of debit cards and charge cards. Almost every bank in Germany offers a Girocard account with an overdraft facility.

Shift from cash payments will continue to support growth for credit cards

Although cash still remains the preferred payment method, consumers are shifting towards the increasing usage of payment cards in general and credit cards in particular. The European Interchange Fee Regulation decreased credit card transaction fees for merchants at the end of 2015, with merchant acceptance of credit cards as a payment method subsequently increasing at many large German retailers.

Debit card and charge card transactions will remain far ahead of credit card transactions

Despite the ongoing rise of credit cards, debit cards and charge cards will remain far ahead of credit cards in terms of card numbers in circulation and also in volume and value transactions in the forecast period. Consumers are more familiar with using debit cards, charge cards or pre-paid card, especially for everyday purchases.

COMPETITIVE LANDSCAPE

Visa outperforms MasterCard in card operators

Within credit card operators, Visa gained share in 2016 and continued to close in on leader MasterCard. This was partly due to increasing merchant acceptance for Visa but was also due to successful innovations.

Barclays and Targobank leading issuers

Within credit card issuers, Barclays leads in terms of the number of cards in circulation while Targobank leads in terms of transaction retail value. Targobank nearly tripled its share over the review period thanks to the acquisition of Valovis Commercial Bank's consumer banking operations in 2015.

Commerzbank and Santander also strong

Other major issuers in credit cards in Germany include Commerzbank and Santander Consumer Bank. Commerzbank only issues MasterCard credit cards and an American Express Gold credit card.

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Overview

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Charge Cards in Germany - Category analysis

Charge Cards in Germany - Company Profile

HEADLINES

PROSPECTS

European Interchange Fee Regulation supports growth for charge cards

Charge cards increasingly used for everyday purchases in store and online

Contactless and mobile payments still in their infancy

COMPETITIVE LANDSCAPE

Visa and MasterCard continue to benefit from payment trends

Contactless and mobile payments remain in focus

Bayerische Landesbank leads personal charge cards while Lufthansa AirPlus leads commercial charge cards

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2012-2017
Table 2 Charge Cards Transactions 2012-2017
Table 3 Charge Cards in Circulation: % Growth 2012-2017
Table 4 Charge Cards Transactions: % Growth 2012-2017
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2012-2017
Table 6 Commercial Charge Cards Transactions 2012-2017
Table 7 Commercial Charge Cards in Circulation: % Growth 2012-2017
Table 8 Commercial Charge Cards Transactions: % Growth 2012-2017
Table 9 Personal Charge Cards: Number of Cards in Circulation 2012-2017
Table 10 Personal Charge Cards Transactions 2012-2017
Table 11 Personal Charge Cards in Circulation: % Growth 2012-2017
Table 12 Personal Charge Cards Transactions: % Growth 2012-2017
Table 13 Charge Cards: Number of Cards by Issuer 2012-2016
Table 14 Charge Cards: Number of Cards by Operator 2012-2016
Table 15 Charge Cards Payment Transaction Value by Issuer 2012-2016
Table 16 Charge Cards Payment Transaction Value by Operator 2012-2016
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2012-2016
Table 18 Commercial Charge Cards: Number of Cards by Operator 2012-2016
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2012-2016
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2012-2016
Table 21 Personal Charge Cards: Number of Cards by Issuer 2012-2016
Table 22 Personal Charge Cards: Number of Cards by Operator 2012-2016
Table 23 Personal Charge Cards Transaction Value by Issuer 2012-2016
Table 24 Personal Charge Cards Transaction Value by Operator 2012-2016
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2017-2022
Table 26 Forecast Charge Cards Transactions 2017-2022
Table 27 Forecast Charge Cards in Circulation: % Growth 2017-2022
Table 28 Forecast Charge Cards Transactions: % Growth 2017-2022
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2017-2022
Table 30 Forecast Commercial Charge Cards Transactions 2017-2022
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2017-2022
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2017-2022
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2017-2022
Table 34 Forecast Personal Charge Cards Transactions 2017-2022
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2017-2022
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2017-2022

Credit Cards in Germany - Category analysis

Credit Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Credit cards fastest growing payment card

Shift from cash payments will continue to support growth for credit cards

Debit card and charge card transactions will remain far ahead of credit card transactions

COMPETITIVE LANDSCAPE

Visa outperforms MasterCard in card operators

Barclays and Targobank leading issuers

Commerzbank and Santander also strong

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2012-2017
Table 38 Credit Cards Transactions 2012-2017
Table 39 Credit Cards in Circulation: % Growth 2012-2017
Table 40 Credit Cards Transactions: % Growth 2012-2017
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2012-2017
Table 42 Commercial Credit Cards Transactions 2012-2017
Table 43 Personal Credit Cards: Number of Cards in Circulation 2012-2017
Table 44 Personal Credit Cards Transactions 2012-2017
Table 45 Personal Credit Cards in Circulation: % Growth 2012-2017
Table 46 Personal Credit Cards Transactions: % Growth 2012-2017
Table 47 Credit Cards: Number of Cards by Issuer 2012-2016
Table 48 Credit Cards: Number of Cards by Operator 2012-2016
Table 49 Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 50 Credit Cards Payment Transaction Value by Operator 2012-2016
Table 51 Personal Credit Cards: Number of Cards by Issuer 2012-2016
Table 52 Personal Credit Cards: Number of Cards by Operator 2012-2016
Table 53 Personal Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 54 Personal Credit Cards Payment Transaction Value by Operator 2012-2016
Table 55 Forecast Credit Cards: Number of Cards in Circulation 2017-2022
Table 56 Forecast Credit Cards Transactions 2017-2022
Table 57 Forecast Credit Cards in Circulation: % Growth 2017-2022
Table 58 Forecast Credit Cards Transactions: % Growth 2017-2022
Table 59 Forecast Commercial Credit Cards: Number of Cards in Circulation 2017-2022
Table 60 Forecast Commercial Credit Cards Transactions 2017-2022
Table 61 Forecast Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 62 Forecast Personal Credit Cards Transactions 2017-2022
Table 63 Forecast Personal Credit Cards in Circulation: % Growth 2017-2022
Table 64 Forecast Personal Credit Cards Transactions: % Growth 2017-2022

Debit Cards in Germany - Category analysis

Debit Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Debit cards to see limited forecast period growth

No strong value growth expected

Threats and opportunities for debit cards

COMPETITIVE LANDSCAPE

Saving banks dominate but direct banks grow fastest

Operator shares dominated by national debit card system

MasterCard introduces first own debit card in Germany

CATEGORY DATA

Table 65 Debit Cards: Number of Cards in Circulation 2012-2017
Table 66 Debit Cards Transactions 2012-2017
Table 67 Debit Cards in Circulation: % Growth 2012-2017
Table 68 Debit Cards Transactions: % Growth 2012-2017
Table 69 Debit Cards: Number of Cards by Issuer 2012-2016
Table 70 Debit Cards: Number of Cards by Operator 2012-2016
Table 71 Debit Cards Payment Transaction Value by Issuer 2012-2016
Table 72 Debit Cards Payment Transaction Value by Operator 2012-2016
Table 73 Forecast Debit Cards: Number of Cards in Circulation 2017-2022
Table 74 Forecast Debit Cards Transactions 2017-2022
Table 75 Forecast Debit Cards in Circulation: % Growth 2017-2022
Table 76 Forecast Debit Cards Transactions: % Growth 2017-2022

Pre-Paid Cards in Germany - Category analysis

Pre-Paid Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Good growth for pre-paid cards set to continue

Federal Ministry of Transport promotes e-Ticket

Competition between contactless payment systems set to intensify

COMPETITIVE LANDSCAPE

Wirecard, Schwäbische and Landesbank leading issuers of open loop pre-paid cards

Girogo expected to lose out in long-term

Gift card growth is coming to an end

CATEGORY DATA

Table 77 Pre-paid Cards: Number of Cards in Circulation 2012-2017
Table 78 Pre-paid Cards Transactions 2012-2017
Table 79 Pre-paid Cards in Circulation: % Growth 2012-2017
Table 80 Pre-paid Cards Transactions: % Growth 2012-2017
Table 81 Closed Loop Pre-paid Cards Transactions 2012-2017
Table 82 Closed Loop Pre-paid Cards Transactions: % Growth 2012-2017
Table 83 Open Loop Pre-paid Cards Transactions 2012-2017
Table 84 Open Loop Pre-paid Cards Transactions: % Growth 2012-2017
Table 85 Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 86 Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 87 Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 88 Pre-paid Cards Transaction Value by Operator 2012-2016
Table 89 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 90 Closed Loop Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 91 Closed Loop Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 92 Closed Loop Pre-paid Cards Transaction Value by Operator 2012-2016
Table 93 Open Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 94 Open Loop Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 95 Open Loop Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 96 Open Loop Pre-paid Cards Transaction Value by Operator 2012-2016
Table 97 Forecast Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 98 Forecast Pre-paid Cards Transactions 2017-2022
Table 99 Forecast Pre-paid Cards in Circulation: % Growth 2017-2022
Table 100 Forecast Pre-paid Cards Transactions: % Growth 2017-2022
Table 101 Forecast Closed Loop Pre-paid Cards Transactions 2017-2022
Table 102 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 103 Forecast Open Loop Pre-paid Cards Transactions 2017-2022
Table 104 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2017-2022

Store Cards in Germany - Category analysis

Store Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Store cards continue to decline

Classic store cards increasingly outdated

Popularity of loyalty cards and debit cards also constrains demand for store cards

COMPETITIVE LANDSCAPE

Ikea Family Bezahlkarte leads store cards transaction value

Douglas still leads in card volume terms

Different strategies in store cards

CATEGORY DATA

Table 105 Store Cards: Number of Cards in Circulation 2012-2017
Table 106 Store Cards Transactions 2012-2017
Table 107 Store Cards in Circulation: % Growth 2012-2017
Table 108 Store Cards Transactions: % Growth 2012-2017
Table 109 Store Cards: Number of Cards by Issuer 2012-2016
Table 110 Store Cards: Payment Transaction Value by Issuer 2012-2016
Table 111 Forecast Store Cards: Number of Cards in Circulation 2017-2022
Table 112 Forecast Store Cards Transactions 2017-2022
Table 113 Forecast Store Cards in Circulation: % Growth 2017-2022
Table 114 Forecast Store Cards Transactions: % Growth 2017-2022

Financial Cards and Payments in Germany - Industry Overview

EXECUTIVE SUMMARY

Strong growth in card payments continues

Debit card transactions increase

Structure for contactless and mobile payments improves

Direct banks thrive while traditional banks modernise and cut costs

Shift away from cash will continue

MARKET INDICATORS

Table 115 Number of POS Terminals: Units 2012-2017
Table 116 Number of ATMs: Units 2012-2017
Table 117 Value Lost to Fraud 2012-2017
Table 118 Card Expenditure by Location 2017
Table 119 Financial Cards in Circulation by Type: % Number of Cards 2012-2017
Table 120 Domestic versus Foreign Spend 2017

MARKET DATA

Table 121 Financial Cards by Category: Number of Cards in Circulation 2012-2017
Table 122 Financial Cards by Category: Number of Accounts 2012-2017
Table 123 Financial Cards Transactions by Category: Value 2012-2017
Table 124 Financial Cards by Category: Number of Transactions 2012-2017
Table 125 Consumer Payments by Category: Value 2012-2017
Table 126 Consumer Payments by Category: Number of Transactions 2012-2017
Table 127 M-Commerce by Category: Value 2013-2017
Table 128 M-Commerce by Category: % Value Growth 2013-2017
Table 129 Financial Cards: Number of Cards by Issuer 2012-2016
Table 130 Financial Cards: Number of Cards by Operator 2012-2016
Table 131 Financial Cards: Card Payment Transactions Value by Operator 2012-2016
Table 132 Financial Cards: Card Payment Transactions Value by Issuer 2012-2016
Table 133 Forecast Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 134 Forecast Financial Cards by Category: Number of Accounts 2017-2022
Table 135 Forecast Financial Cards Transactions by Category: Value 2017-2022
Table 136 Forecast Financial Cards by Category: Number of Transactions 2017-2022
Table 137 Forecast Consumer Payments by Category: Value 2017-2022
Table 138 Forecast Consumer Payments by Category: Number of Transactions 2017-2022
Table 139 Forecast M-Commerce by Category: Value 2017-2022
Table 140 Forecast M-Commerce by Category: % Value Growth 2017-2022

Megatrends

Country Report

Credit Cards in Germany

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Credit cards fastest growing payment card

Shift from cash payments will continue to support growth for credit cards

Debit card and charge card transactions will remain far ahead of credit card transactions

COMPETITIVE LANDSCAPE

Visa outperforms MasterCard in card operators

Barclays and Targobank leading issuers

Commerzbank and Santander also strong

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

European Interchange Fee Regulation supports growth for charge cards

Charge cards increasingly used for everyday purchases in store and online

Contactless and mobile payments still in their infancy

COMPETITIVE LANDSCAPE

Visa and MasterCard continue to benefit from payment trends

Contactless and mobile payments remain in focus

Bayerische Landesbank leads personal charge cards while Lufthansa AirPlus leads commercial charge cards

CATEGORY DATA

Credit Cards in Germany - Category analysis

Credit Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Credit cards fastest growing payment card

Shift from cash payments will continue to support growth for credit cards

Debit card and charge card transactions will remain far ahead of credit card transactions

COMPETITIVE LANDSCAPE

Visa outperforms MasterCard in card operators

Barclays and Targobank leading issuers

Commerzbank and Santander also strong

CATEGORY DATA

Debit Cards in Germany - Category analysis

Debit Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Debit cards to see limited forecast period growth

No strong value growth expected

Threats and opportunities for debit cards

COMPETITIVE LANDSCAPE

Saving banks dominate but direct banks grow fastest

Operator shares dominated by national debit card system

MasterCard introduces first own debit card in Germany

CATEGORY DATA

Pre-Paid Cards in Germany - Category analysis

Pre-Paid Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Good growth for pre-paid cards set to continue

Federal Ministry of Transport promotes e-Ticket

Competition between contactless payment systems set to intensify

COMPETITIVE LANDSCAPE

Wirecard, Schwäbische and Landesbank leading issuers of open loop pre-paid cards

Girogo expected to lose out in long-term

Gift card growth is coming to an end

CATEGORY DATA

Store Cards in Germany - Category analysis

Store Cards in Germany - Company Profile

HEADLINES

PROSPECTS

Store cards continue to decline

Classic store cards increasingly outdated

Popularity of loyalty cards and debit cards also constrains demand for store cards

COMPETITIVE LANDSCAPE

Ikea Family Bezahlkarte leads store cards transaction value

Douglas still leads in card volume terms

Different strategies in store cards

CATEGORY DATA

Financial Cards and Payments in Germany - Industry Overview

EXECUTIVE SUMMARY