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Country Report

Credit Card Transactions in

Credit Cards in Spain

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

Higher charges and commissions than debit and charge cards discourage usage of credit cards during the pandemic

Usage of credit cards gained popularity, with strong volume and value growth over the review period. These financial cards provide easy and rapid access to credit, without the user having to apply for credit once a limit has been agreed.

Credit cards also negatively impacted by a recent court ruling

Credit cards were aggressively promoted by a number of Spanish banks towards the end of the review period, in particular Santander Consumer Finance, WiZink Bank and Banco Cetelem. This was in response to the great demand for consumer credit, combined with the healthier state of the Spanish economy, which although slowing, continued to achieve one of the strongest growth rates in the EU in the latter years of the review period.

E-commerce limits the losses for credit cards

Despite this, credit cards are used relatively frequently for online shopping, especially when buying from foreign-based e-commerce retailers and this is possibly enabling these cards to avoid steeper losses during the pandemic, as more consumers value the convenience and safety of contactless shopping.

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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 Spain 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 Spain, our research will save you time and money while empowering you to make informed, profitable decisions.

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

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Charge Cards in Spain - Category analysis

Charge Cards in Spain - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Charge card spending declines during the COVID-19 epidemic as consumption shrinks

Growth in e-commerce mitigates declining sales via charge cards in 2020

A significant increase in contactless usage of charge cards

RECOVERY AND OPPORTUNITIES

E-commerce and a return to international travel to support growth in charge cards

Growth of charge cards likely to be held back by the popularity of debit cards

Digitalisation of banking may slow growth of charge cards

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 Spain - Category analysis

Credit Cards in Spain - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Higher charges and commissions than debit and charge cards discourage usage of credit cards during the pandemic

Credit cards also negatively impacted by a recent court ruling

E-commerce limits the losses for credit cards

RECOVERY AND OPPORTUNITIES

Rapid return to growth for credit cards

FinTech players to make progress

E-commerce to continue to drive credit card spending

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 Commercial Credit Cards: Number of Cards in Circulation 2015-2020
Table 42 Commercial Credit Cards Transactions 2015-2020
Table 43 Commercial Credit Cards in Circulation: % Growth 2015-2020
Table 44 Commercial Credit Cards Transactions: % Growth 2015-2020
Table 45 Personal Credit Cards: Number of Cards in Circulation 2015-2020
Table 46 Personal Credit Cards Transactions 2015-2020
Table 47 Personal Credit Cards in Circulation: % Growth 2015-2020
Table 48 Personal Credit Cards Transactions: % Growth 2015-2020
Table 49 Credit Cards: Number of Cards by Issuer 2015-2019
Table 50 Credit Cards: Number of Cards by Operator 2015-2019
Table 51 Credit Cards Payment Transaction Value by Issuer 2015-2019
Table 52 Credit Cards Payment Transaction Value by Operator 2015-2019
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2015-2019
Table 54 Commercial Credit Cards: Number of Cards by Operator 2015-2019
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2015-2019
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2015-2019
Table 57 Personal Credit Cards: Number of Cards by Issuer 2015-2019
Table 58 Personal Credit Cards: Number of Cards by Operator 2015-2019
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2015-2019
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2015-2019
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2020-2025
Table 62 Forecast Credit Cards Transactions 2020-2025
Table 63 Forecast Credit Cards in Circulation: % Growth 2020-2025
Table 64 Forecast Credit Cards Transactions: % Growth 2020-2025
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2020-2025
Table 66 Forecast Commercial Credit Cards Transactions 2020-2025
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2020-2025
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2020-2025
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2020-2025
Table 70 Forecast Personal Credit Cards Transactions 2020-2025
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2020-2025
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2020-2025

Debit Cards in Spain - Category analysis

Debit Cards in Spain - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Debit cards remain the preferred payment card for Spaniards in 2020

Debit cards unpopular among businesses

Contactless payments continue to evolve

RECOVERY AND OPPORTUNITIES

An early return to growth for debit value transactions

Contactless payments set to become the norm

Businesses likely to continue to avoid debit cards

CATEGORY DATA

Table 73 Debit Cards: Number of Cards in Circulation 2015-2020
Table 74 Debit Cards Transactions 2015-2020
Table 75 Debit Cards in Circulation: % Growth 2015-2020
Table 76 Debit Cards Transactions: % Growth 2015-2020
Table 77 Debit Cards: Number of Cards by Issuer 2015-2019
Table 78 Debit Cards: Number of Cards by Operator 2015-2019
Table 79 Debit Cards Payment Transaction Value by Issuer 2015-2019
Table 80 Debit Cards Payment Transaction Value by Operator 2015-2019
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2020-2025
Table 82 Forecast Debit Cards Transactions 2020-2025
Table 83 Forecast Debit Cards in Circulation: % Growth 2020-2025
Table 84 Forecast Debit Cards Transactions: % Growth 2020-2025

Pre-Paid Cards in Spain - Category analysis

Pre-Paid Cards in Spain - Company Profile

KEY DATA FINDINGS

2020 IMPACT

The closure of public transport limits the performance of closed loop pre-paid cards during the COVID-19 pandemic

Gift cards suffer from the COVID-19 lockdown and restrictions on family meetings

Open loop pre-paid cards remains a niche

RECOVERY AND OPPORTUNITIES

Increased spending on pre-paid cards early in the forecast period

Retailers switching to electronic cards

Meal vouchers are also being digitalised

CATEGORY DATA

Table 85 Pre-paid Cards: Number of Cards in Circulation 2015-2020
Table 86 Pre-paid Cards Transactions 2015-2020
Table 87 Pre-paid Cards in Circulation: % Growth 2015-2020
Table 88 Pre-paid Cards Transactions: % Growth 2015-2020
Table 89 Closed Loop Pre-paid Cards Transactions 2015-2020
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2015-2020
Table 91 Open Loop Pre-paid Cards Transactions 2015-2020
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2015-2020
Table 93 Pre-paid Cards: Number of Cards by Issuer 2015-2019
Table 94 Pre-paid Cards: Number of Cards by Operator 2015-2019
Table 95 Pre-paid Cards Transaction Value by Issuer 2015-2019
Table 96 Pre-paid Cards Transaction Value by Operator 2015-2019
Table 97 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2015-2019
Table 98 Closed Loop Pre-paid Cards: Number of Cards by Operator 2015-2019
Table 99 Closed Loop Pre-paid Cards Transaction Value by Issuer 2015-2019
Table 100 Closed Loop Pre-paid Cards Transaction Value by Operator 2015-2019
Table 101 Open Loop Pre-paid Cards: Number of Cards by Issuer 2015-2019
Table 102 Open Loop Pre-paid Cards: Number of Cards by Operator 2015-2019
Table 103 Open Loop Pre-paid Cards Transaction Value by Issuer 2015-2019
Table 104 Open Loop Pre-paid Cards Transaction Value by Operator 2015-2019
Table 105 Forecast Pre-paid Cards: Number of Cards in Circulation 2020-2025
Table 106 Forecast Pre-paid Cards Transactions 2020-2025
Table 107 Forecast Pre-paid Cards in Circulation: % Growth 2020-2025
Table 108 Forecast Pre-paid Cards Transactions: % Growth 2020-2025
Table 109 Forecast Closed Loop Pre-paid Cards Transactions 2020-2025
Table 110 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 111 Forecast Open Loop Pre-paid Cards Transactions 2020-2025
Table 112 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2020-2025

Store Cards in Spain - Category analysis

Store Cards in Spain - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Steep declines for store cards during the COVID-19 epidemic

Delayed consumer spending leads to volume and value declines during the pandemic

Many additional benefits available with store cards

RECOVERY AND OPPORTUNITIES

Spending on store cards set for a rapid return to growth

Increasing consolidation expected in store cards

Store cards to remain most popular among older demographics

CATEGORY DATA

Table 113 Store Cards: Number of Cards in Circulation 2015-2020
Table 114 Store Cards Transactions 2015-2020
Table 115 Store Cards in Circulation: % Growth 2015-2020
Table 116 Store Cards Transactions: % Growth 2015-2020
Table 117 Store Cards: Number of Cards by Issuer 2015-2019
Table 118 Store Cards: Payment Transaction Value by Issuer 2015-2019
Table 119 Forecast Store Cards: Number of Cards in Circulation 2020-2025
Table 120 Forecast Store Cards Transactions 2020-2025
Table 121 Forecast Store Cards in Circulation: % Growth 2020-2025
Table 122 Forecast Store Cards Transactions: % Growth 2020-2025

Financial Cards and Payments in Spain - Industry Overview

EXECUTIVE SUMMARY

COVID-19 impact on consumer payments

COVID-19 country impact

Banks increase the limit on PIN-not-required transactions during the pandemic

Innovative technology enhances the customer experience

What next for consumer payments?

MARKET INDICATORS

Table 123 Number of POS Terminals: Units 2015-2020
Table 124 Number of ATMs: Units 2015-2020
Table 125 Value Lost to Fraud 2015-2020
Table 126 Card Expenditure by Location 2020
Table 127 Financial Cards in Circulation by Type: % Number of Cards 2015-2020
Table 128 Domestic versus Foreign Spend 2020

MARKET DATA

Table 129 Financial Cards by Category: Number of Cards in Circulation 2015-2020
Table 130 Financial Cards by Category: Number of Accounts 2015-2020
Table 131 Financial Cards Transactions by Category: Value 2015-2020
Table 132 Financial Cards by Category: Number of Transactions 2015-2020
Table 133 Consumer Payments by Category: Value 2015-2020
Table 134 Consumer Payments by Category: Number of Transactions 2015-2020
Table 135 M-Commerce by Category: Value 2015-2020
Table 136 M-Commerce by Category: % Value Growth 2015-2020
Table 137 Financial Cards: Number of Cards by Issuer 2015-2019
Table 138 Financial Cards: Number of Cards by Operator 2015-2019
Table 139 Financial Cards: Card Payment Transactions Value by Operator 2015-2019
Table 140 Financial Cards: Card Payment Transactions Value by Issuer 2015-2019
Table 141 Forecast Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 142 Forecast Financial Cards by Category: Number of Accounts 2020-2025
Table 143 Forecast Financial Cards Transactions by Category: Value 2020-2025
Table 144 Forecast Financial Cards by Category: Number of Transactions 2020-2025
Table 145 Forecast Consumer Payments by Category: Value 2020-2025
Table 146 Forecast Consumer Payments by Category: Number of Transactions 2020-2025
Table 147 Forecast M-Commerce by Category: Value 2020-2025
Table 148 Forecast M-Commerce by Category: % Value Growth 2020-2025

Megatrends

Country Report

Credit Cards in Spain

New Report Guarantee

Executive Summary

New Report Guarantee

2020 IMPACT

Higher charges and commissions than debit and charge cards discourage usage of credit cards during the pandemic

Credit cards also negatively impacted by a recent court ruling

E-commerce limits the losses for credit cards

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 Spain - Category analysis

Charge Cards in Spain - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Charge card spending declines during the COVID-19 epidemic as consumption shrinks

Growth in e-commerce mitigates declining sales via charge cards in 2020

A significant increase in contactless usage of charge cards

RECOVERY AND OPPORTUNITIES

E-commerce and a return to international travel to support growth in charge cards

Growth of charge cards likely to be held back by the popularity of debit cards

Digitalisation of banking may slow growth of charge cards

CATEGORY DATA

Credit Cards in Spain - Category analysis

Credit Cards in Spain - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Higher charges and commissions than debit and charge cards discourage usage of credit cards during the pandemic

Credit cards also negatively impacted by a recent court ruling

E-commerce limits the losses for credit cards

RECOVERY AND OPPORTUNITIES

Rapid return to growth for credit cards

FinTech players to make progress

E-commerce to continue to drive credit card spending

CATEGORY DATA

Debit Cards in Spain - Category analysis

Debit Cards in Spain - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Debit cards remain the preferred payment card for Spaniards in 2020

Debit cards unpopular among businesses

Contactless payments continue to evolve

RECOVERY AND OPPORTUNITIES

An early return to growth for debit value transactions

Contactless payments set to become the norm

Businesses likely to continue to avoid debit cards

CATEGORY DATA

Pre-Paid Cards in Spain - Category analysis

Pre-Paid Cards in Spain - Company Profile

KEY DATA FINDINGS

2020 IMPACT

The closure of public transport limits the performance of closed loop pre-paid cards during the COVID-19 pandemic

Gift cards suffer from the COVID-19 lockdown and restrictions on family meetings

Open loop pre-paid cards remains a niche

RECOVERY AND OPPORTUNITIES

Increased spending on pre-paid cards early in the forecast period

Retailers switching to electronic cards

Meal vouchers are also being digitalised

CATEGORY DATA

Store Cards in Spain - Category analysis

Store Cards in Spain - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Steep declines for store cards during the COVID-19 epidemic

Delayed consumer spending leads to volume and value declines during the pandemic

Many additional benefits available with store cards

RECOVERY AND OPPORTUNITIES

Spending on store cards set for a rapid return to growth

Increasing consolidation expected in store cards

Store cards to remain most popular among older demographics

CATEGORY DATA

Financial Cards and Payments in Spain - Industry Overview

EXECUTIVE SUMMARY