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Country Report

Credit Card Transactions in

Credit Cards in Portugal

24 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

Positive economic environment boosts both personal and commercial transactions

Economic growth has favoured increased confidence not only amongst consumers but also amongst credit card issuers. After years of high restrictions on access to credit, financial institutions are opening up the credit tap, boosting the good results recorded both in personal as well as commercial segments.

Co-branded retailers’ cards continue to grow in importance

Often with no annual fees and linked to reward and loyalty programmes, the number of co-branded retailers’ cards continued to grow in the country. Products such as Sonae’s Universo card, Inditex’s Affinity card, Fnac and the IKEA card maintained high popularity in the country.

Digital channel creates opportunities for credit cards

As the digital channel grows and the potential of online payments with credit cards escalates, players are investing in improved security measures for cards’ online usage. 3-DSecure security rules have been implemented by several players towards the end of the review period.

COMPETITIVE LANDSCAPE

Universo Card fuels BNP and Mastercard performances

The strong positions of Banco BNP Paribas Personal Finance SA and Mastercard in co-branded retailers’ credit cards have been granting the issuer and operator, respectively, increasing share in the country. Released in late 2015, Sonae’s Universo Card has proved to be one of the most popular co-branded credit cards with more than 600,000 active cards in 2017, which generated approximately EUR580 million in purchases.

Mastercard gains ground on other operators

As a result of great brand dynamism and investment in innovative technological solutions, Mastercard has become an increasingly attractive partner for issuers, gaining share from other operators. In late 2016 and in partnership with Cofidis, Mastercard released the Cofidis credit card, which is considered by specialists as one of the most advantageous cashback cards in Portugal.

American Express and Banco Português de Investimento experience poor performances

Focusing on niche high-income consumers, American Express, which launched a 2% cashback programme in April 2016, witnessed poor results in 2017 as a result of the discontinuation of several cards issued by Banco Comercial Português. On the issuers side, Banco Português de Investimento also recorded share loss.

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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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Delivery Method

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Overview

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

The Credit Card Transactions in Portugal 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 Portugal?
What are the major operators and issuers in Portugal?
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 Portugal, originate from our database within our Consumer Finance market share and market size database

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Charge Cards in Portugal - Category analysis

Charge Cards in Portugal - Company Profile

HEADLINES

PROSPECTS

Strong credit cards offer hampers charge penetration

Economy improves to fuel charge cards’ growth

Pre-paid cards could also limit performance of charge cards

COMPETITIVE LANDSCAPE

Banco Comercial Português leads charge cards

Competition grows although number of players remains low

Mastercard records best performance amongst operators

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 Charge Cards: Number of Cards by Issuer 2013-2017
Table 10 Charge Cards: Number of Cards by Operator 2013-2017
Table 11 Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 12 Charge Cards Payment Transaction Value by Operator 2013-2017
Table 13 Commercial Charge Cards: Number of Cards by Issuer 2013-2017
Table 14 Commercial Charge Cards: Number of Cards by Operator 2013-2017
Table 15 Commercial Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 16 Commercial Charge Cards Payment Transaction Value by Operator 2013-2017
Table 17 Forecast Charge Cards: Number of Cards in Circulation 2018-2023
Table 18 Forecast Charge Cards Transactions 2018-2023
Table 19 Forecast Charge Cards in Circulation: % Growth 2018-2023
Table 20 Forecast Charge Cards Transactions: % Growth 2018-2023
Table 21 Forecast Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 22 Forecast Commercial Charge Cards Transactions 2018-2023
Table 23 Forecast Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 24 Forecast Commercial Charge Cards Transactions: % Growth 2018-2023

Credit Cards in Portugal - Category analysis

Credit Cards in Portugal - Company Profile

HEADLINES

PROSPECTS

Positive economic environment boosts both personal and commercial transactions

Co-branded retailers’ cards continue to grow in importance

Digital channel creates opportunities for credit cards

COMPETITIVE LANDSCAPE

Universo Card fuels BNP and Mastercard performances

Mastercard gains ground on other operators

American Express and Banco Português de Investimento experience poor performances

CATEGORY DATA

Table 25 Credit Cards: Number of Cards in Circulation 2013-2018
Table 26 Credit Cards Transactions 2013-2018
Table 27 Credit Cards in Circulation: % Growth 2013-2018
Table 28 Credit Cards Transactions: % Growth 2013-2018
Table 29 Commercial Credit Cards: Number of Cards in Circulation 2013-2018
Table 30 Commercial Credit Cards Transactions 2013-2018
Table 31 Commercial Credit Cards in Circulation: % Growth 2013-2018
Table 32 Commercial Credit Cards Transactions: % Growth 2013-2018
Table 33 Personal Credit Cards: Number of Cards in Circulation 2013-2018
Table 34 Personal Credit Cards Transactions 2013-2018
Table 35 Personal Credit Cards in Circulation: % Growth 2013-2018
Table 36 Personal Credit Cards Transactions: % Growth 2013-2018
Table 37 Credit Cards: Number of Cards by Issuer 2013-2017
Table 38 Credit Cards: Number of Cards by Operator 2013-2017
Table 39 Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 40 Credit Cards Payment Transaction Value by Operator 2013-2017
Table 41 Commercial Credit Cards: Number of Cards by Issuer 2013-2017
Table 42 Commercial Credit Cards: Number of Cards by Operator 2013-2017
Table 43 Commercial Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 44 Commercial Credit Cards Payment Transaction Value by Operator 2013-2017
Table 45 Personal Credit Cards: Number of Cards by Issuer 2013-2017
Table 46 Personal Credit Cards: Number of Cards by Operator 2013-2017
Table 47 Personal Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 48 Personal Credit Cards Payment Transaction Value by Operator 2013-2017
Table 49 Forecast Credit Cards: Number of Cards in Circulation 2018-2023
Table 50 Forecast Credit Cards Transactions 2018-2023
Table 51 Forecast Credit Cards in Circulation: % Growth 2018-2023
Table 52 Forecast Credit Cards Transactions: % Growth 2018-2023
Table 53 Forecast Commercial Credit Cards: Number of Cards in Circulation 2018-2023
Table 54 Forecast Commercial Credit Cards Transactions 2018-2023
Table 55 Forecast Commercial Credit Cards in Circulation: % Growth 2018-2023
Table 56 Forecast Commercial 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 Portugal - Category analysis

Debit Cards in Portugal - Company Profile

HEADLINES

PROSPECTS

Debit cards usage strengthened by growing purchasing power

Debit cards offering specific features set to emerge

Bank of Portugal intervenes to ensure greater transparency and equity

COMPETITIVE LANDSCAPE

Caixa Geral de Depósitos retains leadership of debit cards

Banco Português de Investimento loses share after change in GBO

SIBS the leading operator in debit scheme

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 Portugal - Category analysis

Pre-Paid Cards in Portugal - Company Profile

HEADLINES

PROSPECTS

Favourable economic conditions fuel open loop pre-paid cards

Closed loop bolstered by inbound tourists and positive economic landscape

COMPETITIVE LANDSCAPE

Otlis leads closed loop, while Novo Banco leads open loop

Santander records fastest growth

Dual-use cards grow with specific features predicted for the future

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 Portugal - Category analysis

Store Cards in Portugal - Company Profile

HEADLINES

PROSPECTS

Demand for credit cards negatively impacts store cards

Store cards as a way to strengthen loyalty

COMPETITIVE LANDSCAPE

Oney is leading issuer of store cards

El Corte Inglés experiences an interesting performance

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 Portugal - Industry Overview

EXECUTIVE SUMMARY

Financial cards’ performance supported by positive economic environment

Psd2: A legislative trigger

Digital leads investments and product development

Decade of changes in a competitive arena

Positive results expected for financial cards

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 Portugal

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Positive economic environment boosts both personal and commercial transactions

Co-branded retailers’ cards continue to grow in importance

Digital channel creates opportunities for credit cards

COMPETITIVE LANDSCAPE

Universo Card fuels BNP and Mastercard performances

Mastercard gains ground on other operators

American Express and Banco Português de Investimento experience poor performances

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 Portugal - Category analysis

Charge Cards in Portugal - Company Profile

HEADLINES

PROSPECTS

Strong credit cards offer hampers charge penetration

Economy improves to fuel charge cards’ growth

Pre-paid cards could also limit performance of charge cards

COMPETITIVE LANDSCAPE

Banco Comercial Português leads charge cards

Competition grows although number of players remains low

Mastercard records best performance amongst operators

CATEGORY DATA

Credit Cards in Portugal - Category analysis

Credit Cards in Portugal - Company Profile

HEADLINES

PROSPECTS

Positive economic environment boosts both personal and commercial transactions

Co-branded retailers’ cards continue to grow in importance

Digital channel creates opportunities for credit cards

COMPETITIVE LANDSCAPE

Universo Card fuels BNP and Mastercard performances

Mastercard gains ground on other operators

American Express and Banco Português de Investimento experience poor performances

CATEGORY DATA

Debit Cards in Portugal - Category analysis

Debit Cards in Portugal - Company Profile

HEADLINES

PROSPECTS

Debit cards usage strengthened by growing purchasing power

Debit cards offering specific features set to emerge

Bank of Portugal intervenes to ensure greater transparency and equity

COMPETITIVE LANDSCAPE

Caixa Geral de Depósitos retains leadership of debit cards

Banco Português de Investimento loses share after change in GBO

SIBS the leading operator in debit scheme

CATEGORY DATA

Pre-Paid Cards in Portugal - Category analysis

Pre-Paid Cards in Portugal - Company Profile

HEADLINES

PROSPECTS

Favourable economic conditions fuel open loop pre-paid cards

Closed loop bolstered by inbound tourists and positive economic landscape

COMPETITIVE LANDSCAPE

Otlis leads closed loop, while Novo Banco leads open loop

Santander records fastest growth

Dual-use cards grow with specific features predicted for the future

CATEGORY DATA

Store Cards in Portugal - Category analysis

Store Cards in Portugal - Company Profile

HEADLINES

PROSPECTS

Demand for credit cards negatively impacts store cards

Store cards as a way to strengthen loyalty

COMPETITIVE LANDSCAPE

Oney is leading issuer of store cards

El Corte Inglés experiences an interesting performance

CATEGORY DATA

Financial Cards and Payments in Portugal - Industry Overview