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Country Report

Credit Card Transactions in

Credit Cards in Spain

Oct 2019

US$990

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Executive Summary

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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

Revolving credit becomes more popular

Due to the high demand for consumer credit in recent years, combined with the healthier state of the Spanish economy, which although slowing, continues to achieve one of the strongest growth rates in the EU, card issuers are more willing to lend money on credit cards. This will likely lead to more cards being issued over the forecast period, but also to increased competition amongst financial institutions in terms of the variety of products offered to consumers.

Commercial credit card transactions records strong growth from a low base

Commercial credit cards continued to grow in 2019, although still representing a small percentage of sales and cards in circulation compared with personal credit cards. It should be highlighted that companies have many options in terms of accessing credit quickly, and usually they prefer to use charge cards, which often offer more detailed analysis of spend and the ability to settle the account in full on a monthly basis.

E-commerce supports growth of credit cards

E-commerce grew rapidly in Spain over the review period, with strong growth in particular in early 2019.

COMPETITIVE LANDSCAPE

A number of mergers and acquisitions

Bankinter acquired EVO Banco (MBNA Europe Bank) in Spain in 2018.

FinTech players make slow progress

Despite the notable attention given to the emergence of new digital native operators such as BNext, Revolt and N26, their weight in the market remains relatively low, with relatively few credit cards issued.

Banco Santander launches new security system in its new Prime credit card

The new Santander Prime credit card includes Santander Prime Protect, a package of services aimed at strengthening the security of customers in each of their payments. Santander Protect has an improved service for managing incidents in case of fraud and a provision for alerts and preventive blocking of suspicious transactions.

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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

HEADLINES

PROSPECTS

Strong growth despite earlier reclassification

Growth in e-commerce supports the use of charge cards

Digitalisation of banking services a potential threat to growth of charge cards

COMPETITIVE LANDSCAPE

American Express reacts to losing share

Comparison sites help consumers chose the relevant card

Bankinter studies the usage of its charge cards

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2014-2019
Table 2 Charge Cards Transactions 2014-2019
Table 3 Charge Cards in Circulation: % Growth 2014-2019
Table 4 Charge Cards Transactions: % Growth 2014-2019
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2014-2019
Table 6 Commercial Charge Cards Transactions 2014-2019
Table 7 Commercial Charge Cards in Circulation: % Growth 2014-2019
Table 8 Commercial Charge Cards Transactions: % Growth 2014-2019
Table 9 Personal Charge Cards: Number of Cards in Circulation 2014-2019
Table 10 Personal Charge Cards Transactions 2014-2019
Table 11 Personal Charge Cards in Circulation: % Growth 2014-2019
Table 12 Personal Charge Cards Transactions: % Growth 2014-2019
Table 13 Charge Cards: Number of Cards by Issuer 2014-2018
Table 14 Charge Cards: Number of Cards by Operator 2014-2018
Table 15 Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 16 Charge Cards Payment Transaction Value by Operator 2014-2018
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2014-2018
Table 18 Commercial Charge Cards: Number of Cards by Operator 2014-2018
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2014-2018
Table 21 Personal Charge Cards: Number of Cards by Issuer 2014-2018
Table 22 Personal Charge Cards: Number of Cards by Operator 2014-2018
Table 23 Personal Charge Cards Transaction Value by Issuer 2014-2018
Table 24 Personal Charge Cards Transaction Value by Operator 2014-2018
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2019-2024
Table 26 Forecast Charge Cards Transactions 2019-2024
Table 27 Forecast Charge Cards in Circulation: % Growth 2019-2024
Table 28 Forecast Charge Cards Transactions: % Growth 2019-2024
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2019-2024
Table 30 Forecast Commercial Charge Cards Transactions 2019-2024
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2019-2024
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2019-2024
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2019-2024
Table 34 Forecast Personal Charge Cards Transactions 2019-2024
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2019-2024
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2019-2024

Credit Cards in Spain - Category analysis

Credit Cards in Spain - Company Profile

HEADLINES

PROSPECTS

Revolving credit becomes more popular

Commercial credit card transactions records strong growth from a low base

E-commerce supports growth of credit cards

COMPETITIVE LANDSCAPE

A number of mergers and acquisitions

FinTech players make slow progress

Banco Santander launches new security system in its new Prime credit card

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2014-2019
Table 38 Credit Cards Transactions 2014-2019
Table 39 Credit Cards in Circulation: % Growth 2014-2019
Table 40 Credit Cards Transactions: % Growth 2014-2019
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2014-2019
Table 42 Commercial Credit Cards Transactions 2014-2019
Table 43 Commercial Credit Cards in Circulation: % Growth 2014-2019
Table 44 Commercial Credit Cards Transactions: % Growth 2014-2019
Table 45 Personal Credit Cards: Number of Cards in Circulation 2014-2019
Table 46 Personal Credit Cards Transactions 2014-2019
Table 47 Personal Credit Cards in Circulation: % Growth 2014-2019
Table 48 Personal Credit Cards Transactions: % Growth 2014-2019
Table 49 Credit Cards: Number of Cards by Issuer 2014-2018
Table 50 Credit Cards: Number of Cards by Operator 2014-2018
Table 51 Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 52 Credit Cards Payment Transaction Value by Operator 2014-2018
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2014-2018
Table 54 Commercial Credit Cards: Number of Cards by Operator 2014-2018
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2014-2018
Table 57 Personal Credit Cards: Number of Cards by Issuer 2014-2018
Table 58 Personal Credit Cards: Number of Cards by Operator 2014-2018
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2014-2018
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2019-2024
Table 62 Forecast Credit Cards Transactions 2019-2024
Table 63 Forecast Credit Cards in Circulation: % Growth 2019-2024
Table 64 Forecast Credit Cards Transactions: % Growth 2019-2024
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2019-2024
Table 66 Forecast Commercial Credit Cards Transactions 2019-2024
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2019-2024
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2019-2024
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2019-2024
Table 70 Forecast Personal Credit Cards Transactions 2019-2024
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2019-2024
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2019-2024

Debit Cards in Spain - Category analysis

Debit Cards in Spain - Company Profile

HEADLINES

PROSPECTS

Debit cards remain the preferred card payment option for Spanish consumers

Debit cards not popular among businesses as electronic payments offer greater control

Contactless payments continue to grow due to the convenience offered

COMPETITIVE LANDSCAPE

Banco Santander launches Generation 81, a global proposal aimed at women

Bankinter launches the first debit and credit dual card in partnership with MasterCard Spain

Bankia launches the first debit card which permits deferred payment in three, six or 10 months

CATEGORY DATA

Table 73 Debit Cards: Number of Cards in Circulation 2014-2019
Table 74 Debit Cards Transactions 2014-2019
Table 75 Debit Cards in Circulation: % Growth 2014-2019
Table 76 Debit Cards Transactions: % Growth 2014-2019
Table 77 Debit Cards: Number of Cards by Issuer 2014-2018
Table 78 Debit Cards: Number of Cards by Operator 2014-2018
Table 79 Debit Cards Payment Transaction Value by Issuer 2014-2018
Table 80 Debit Cards Payment Transaction Value by Operator 2014-2018
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2019-2024
Table 82 Forecast Debit Cards Transactions 2019-2024
Table 83 Forecast Debit Cards in Circulation: % Growth 2019-2024
Table 84 Forecast Debit Cards Transactions: % Growth 2019-2024

Pre-Paid Cards in Spain - Category analysis

Pre-Paid Cards in Spain - Company Profile

HEADLINES

PROSPECTS

Open loop pre-paid cards remains a niche

Transportation cards drives growth of closed loop pre-paid cards

Retailers switching from plastic to electronic cards

COMPETITIVE LANDSCAPE

A range of players in transport pre-paid cards

Personalisation used to make pre-paid cards more attractive

Pre-paid card features help increase competition

CATEGORY DATA

Table 85 Pre-paid Cards: Number of Cards in Circulation 2014-2019
Table 86 Pre-paid Cards Transactions 2014-2019
Table 87 Pre-paid Cards in Circulation: % Growth 2014-2019
Table 88 Pre-paid Cards Transactions: % Growth 2014-2019
Table 89 Closed Loop Pre-paid Cards Transactions 2014-2019
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 91 Open Loop Pre-paid Cards Transactions 2014-2019
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 93 Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 94 Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 95 Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 96 Pre-paid Cards Transaction Value by Operator 2014-2018
Table 97 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 98 Closed Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 99 Closed Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 100 Closed Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 101 Open Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 102 Open Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 103 Open Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 104 Open Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 105 Forecast Pre-paid Cards: Number of Cards in Circulation 2019-2024
Table 106 Forecast Pre-paid Cards Transactions 2019-2024
Table 107 Forecast Pre-paid Cards in Circulation: % Growth 2019-2024
Table 108 Forecast Pre-paid Cards Transactions: % Growth 2019-2024
Table 109 Forecast Closed Loop Pre-paid Cards Transactions 2019-2024
Table 110 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 111 Forecast Open Loop Pre-paid Cards Transactions 2019-2024
Table 112 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2019-2024

Store Cards in Spain - Category analysis

Store Cards in Spain - Company Profile

HEADLINES

PROSPECTS

Strong growth, but store cards largely limited to spending on durables and travel

Store cards most popular among older demographics

Many additional benefits available with store cards

COMPETITIVE LANDSCAPE

El Corte Inglés’ store card remains by far the most important

Carrefour España continues to gain share

Mercadona’s store card benefits from the strength of the Mercadona brand

CATEGORY DATA

Table 113 Store Cards: Number of Cards in Circulation 2014-2019
Table 114 Store Cards Transactions 2014-2019
Table 115 Store Cards in Circulation: % Growth 2014-2019
Table 116 Store Cards Transactions: % Growth 2014-2019
Table 117 Store Cards: Number of Cards by Issuer 2014-2018
Table 118 Store Cards: Payment Transaction Value by Issuer 2014-2018
Table 119 Forecast Store Cards: Number of Cards in Circulation 2019-2024
Table 120 Forecast Store Cards Transactions 2019-2024
Table 121 Forecast Store Cards in Circulation: % Growth 2019-2024
Table 122 Forecast Store Cards Transactions: % Growth 2019-2024

Financial Cards and Payments in Spain - Industry Overview

EXECUTIVE SUMMARY

Growth in card payment transactions slows due to weaker economic conditions

Implementation of the PSD2 Directive on Open Banking paves the way for new players

Some 17 million charge cards redefined as debit cards

Revolving credit is gaining popularity

Slower growth expected for the forecast period, with increasing competition and use of technology

MARKET INDICATORS

Table 123 Number of POS Terminals: Units 2014-2019
Table 124 Number of ATMs: Units 2014-2019
Table 125 Value Lost to Fraud 2014-2019
Table 126 Card Expenditure by Location 2019
Table 127 Financial Cards in Circulation by Type: % Number of Cards 2014-2019
Table 128 Domestic versus Foreign Spend 2019

MARKET DATA

Table 129 Financial Cards by Category: Number of Cards in Circulation 2014-2019
Table 130 Financial Cards by Category: Number of Accounts 2014-2019
Table 131 Financial Cards Transactions by Category: Value 2014-2019
Table 132 Financial Cards by Category: Number of Transactions 2014-2019
Table 133 Consumer Payments by Category: Value 2014-2019
Table 134 Consumer Payments by Category: Number of Transactions 2014-2019
Table 135 M-Commerce by Category: Value 2014-2019
Table 136 M-Commerce by Category: % Value Growth 2014-2019
Table 137 Financial Cards: Number of Cards by Issuer 2014-2018
Table 138 Financial Cards: Number of Cards by Operator 2014-2018
Table 139 Financial Cards: Card Payment Transactions Value by Operator 2014-2018
Table 140 Financial Cards: Card Payment Transactions Value by Issuer 2014-2018
Table 141 Forecast Financial Cards by Category: Number of Cards in Circulation 2019-2024
Table 142 Forecast Financial Cards by Category: Number of Accounts 2019-2024
Table 143 Forecast Financial Cards Transactions by Category: Value 2019-2024
Table 144 Forecast Financial Cards by Category: Number of Transactions 2019-2024
Table 145 Forecast Consumer Payments by Category: Value 2019-2024
Table 146 Forecast Consumer Payments by Category: Number of Transactions 2019-2024
Table 147 Forecast M-Commerce by Category: Value 2019-2024
Table 148 Forecast M-Commerce by Category: % Value Growth 2019-2024

Megatrends

Country Report

Credit Cards in Spain

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Revolving credit becomes more popular

Commercial credit card transactions records strong growth from a low base

E-commerce supports growth of credit cards

COMPETITIVE LANDSCAPE

A number of mergers and acquisitions

FinTech players make slow progress

Banco Santander launches new security system in its new Prime credit card

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

HEADLINES

PROSPECTS

Strong growth despite earlier reclassification

Growth in e-commerce supports the use of charge cards

Digitalisation of banking services a potential threat to growth of charge cards

COMPETITIVE LANDSCAPE

American Express reacts to losing share

Comparison sites help consumers chose the relevant card

Bankinter studies the usage of its charge cards

CATEGORY DATA

Credit Cards in Spain - Category analysis

Credit Cards in Spain - Company Profile

HEADLINES

PROSPECTS

Revolving credit becomes more popular

Commercial credit card transactions records strong growth from a low base

E-commerce supports growth of credit cards

COMPETITIVE LANDSCAPE

A number of mergers and acquisitions

FinTech players make slow progress

Banco Santander launches new security system in its new Prime credit card

CATEGORY DATA

Debit Cards in Spain - Category analysis

Debit Cards in Spain - Company Profile

HEADLINES

PROSPECTS

Debit cards remain the preferred card payment option for Spanish consumers

Debit cards not popular among businesses as electronic payments offer greater control

Contactless payments continue to grow due to the convenience offered

COMPETITIVE LANDSCAPE

Banco Santander launches Generation 81, a global proposal aimed at women

Bankinter launches the first debit and credit dual card in partnership with MasterCard Spain

Bankia launches the first debit card which permits deferred payment in three, six or 10 months

CATEGORY DATA

Pre-Paid Cards in Spain - Category analysis

Pre-Paid Cards in Spain - Company Profile

HEADLINES

PROSPECTS

Open loop pre-paid cards remains a niche

Transportation cards drives growth of closed loop pre-paid cards

Retailers switching from plastic to electronic cards

COMPETITIVE LANDSCAPE

A range of players in transport pre-paid cards

Personalisation used to make pre-paid cards more attractive

Pre-paid card features help increase competition

CATEGORY DATA

Store Cards in Spain - Category analysis

Store Cards in Spain - Company Profile

HEADLINES

PROSPECTS

Strong growth, but store cards largely limited to spending on durables and travel

Store cards most popular among older demographics

Many additional benefits available with store cards

COMPETITIVE LANDSCAPE

El Corte Inglés’ store card remains by far the most important

Carrefour España continues to gain share