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Debit Cards in France

December 2022
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USD 1,195
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Overview:

Understand the latest market trends and future growth opportunities for the Debit Transactions industry in France 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 Debit Transactions industry in France, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.

The Debit Transactions in France 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 Debit Transactions in France?
  • What are the major trends key to understanding Debit Transactions in France?
  • 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?
Download Table of Contents

Charge Cards in France - Category analysis

Charge Cards in France - Company Profile

KEY DATA FINDINGS

Ongoing (albeit slower) growth seen in 2022, following the boost in 2021 after the pandemic declines
Commercial charge cards are back in the game following their collapse during the pandemic lockdowns
Groupement des Cartes Bancaires remains the leader ahead of Visa, Mastercard and American Express
New incentives for charge cards (lower prices, BNPL), but this is not an absolute priority target for a banker
Recovery in commercial charge cards has begun and looks set to continue, but challenges are also afoot
Biometrical recognition and instant transfers, two main challenges and opportunities for charge cards
Table 1 Charge Cards: Number of Cards in Circulation 2017-2022
Table 2 Charge Cards Transactions 2017-2022
Table 3 Charge Cards in Circulation: % Growth 2017-2022
Table 4 Charge Cards Transactions: % Growth 2017-2022
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2017-2022
Table 6 Commercial Charge Cards Transactions 2017-2022
Table 7 Commercial Charge Cards in Circulation: % Growth 2017-2022
Table 8 Commercial Charge Cards Transactions: % Growth 2017-2022
Table 9 Personal Charge Cards: Number of Cards in Circulation 2017-2022
Table 10 Personal Charge Cards Transactions 2017-2022
Table 11 Personal Charge Cards in Circulation: % Growth 2017-2022
Table 12 Personal Charge Cards Transactions: % Growth 2017-2022
Table 13 Charge Cards: Number of Cards by Issuer 2017-2021
Table 14 Charge Cards: Number of Cards by Operator 2017-2021
Table 15 Charge Cards Payment Transaction Value by Issuer 2017-2021
Table 16 Charge Cards Payment Transaction Value by Operator 2017-2021
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2017-2021
Table 18 Commercial Charge Cards: Number of Cards by Operator 2017-2021
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2017-2021
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2017-2021
Table 21 Personal Charge Cards: Number of Cards by Issuer 2017-2021
Table 22 Personal Charge Cards: Number of Cards by Operator 2017-2021
Table 23 Personal Charge Cards Transaction Value by Issuer 2017-2021
Table 24 Personal Charge Cards Transaction Value by Operator 2017-2021
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2022-2027
Table 26 Forecast Charge Cards Transactions 2022-2027
Table 27 Forecast Charge Cards in Circulation: % Growth 2022-2027
Table 28 Forecast Charge Cards Transactions: % Growth 2022-2027
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2022-2027
Table 30 Forecast Commercial Charge Cards Transactions 2022-2027
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2022-2027
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2022-2027
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2022-2027
Table 34 Forecast Personal Charge Cards Transactions 2022-2027
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2022-2027
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2022-2027

Credit Cards in France - Category analysis

Credit Cards in France - Company Profile

KEY DATA FINDINGS

Robust growth seen in the number of credit cards from mid-2021, thanks to lessening of pandemic restrictions
The need to use credit cards during the post-pandemic crisis vs skyrocketing debt consolidation and national tendency to save rather than borrow during hard times
Mastercard proves competition to the ubiquitous CB with co-branding options
Credit cards set to see stronger recovery than expected, supported by the controversial BNPL method
Consumers will continue to seek low risk options, with the ongoing success of BNPL unknown
More room for growth for both existing and new issuers, with a range of attractive offers expected over the forecast period
Table 37 Credit Cards: Number of Cards in Circulation 2017-2022
Table 38 Credit Cards Transactions 2017-2022
Table 39 Credit Cards in Circulation: % Growth 2017-2022
Table 40 Credit Cards Transactions: % Growth 2017-2022
Table 41 Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 42 Personal Credit Cards Transactions 2017-2022
Table 43 Personal Credit Cards in Circulation: % Growth 2017-2022
Table 44 Personal Credit Cards Transactions: % Growth 2017-2022
Table 45 Credit Cards: Number of Cards by Issuer 2017-2021
Table 46 Credit Cards: Number of Cards by Operator 2017-2021
Table 47 Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 48 Credit Cards Payment Transaction Value by Operator 2017-2021
Table 49 Personal Credit Cards: Number of Cards by Issuer 2017-2021
Table 50 Personal Credit Cards: Number of Cards by Operator 2017-2021
Table 51 Personal Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 52 Personal Credit Cards Payment Transaction Value by Operator 2017-2021
Table 53 Forecast Credit Cards: Number of Cards in Circulation 2022-2027
Table 54 Forecast Credit Cards Transactions 2022-2027
Table 55 Forecast Credit Cards in Circulation: % Growth 2022-2027
Table 56 Forecast Credit Cards Transactions: % Growth 2022-2027
Table 57 Forecast Personal Credit Cards: Number of Cards in Circulation 2022-2027
Table 58 Forecast Personal Credit Cards Transactions 2022-2027
Table 59 Forecast Personal Credit Cards in Circulation: % Growth 2022-2027
Table 60 Forecast Personal Credit Cards Transactions: % Growth 2022-2027

Debit Cards in France - Category analysis

Debit Cards in France - Company Profile

KEY DATA FINDINGS

Ongoing progression in the number of debit cards, while average transaction values remain more modest
Ongoing growth for contactless payments in 2022, while remote and proxy payments forge ahead
CB is back in the game of operators, while players release successful 2021 financial figures
Ongoing growth following the acceleration of digitised payments and the recovery of commercial debit cards
The maintenance of free services and the strengthening of security in terms of both physical and online payments will remain crucial
Brands set to forge ahead with online and virtual payments, as Boursorama is on its path to reach 4.5 million customers
Table 61 Debit Cards: Number of Cards in Circulation 2017-2022
Table 62 Debit Cards Transactions 2017-2022
Table 63 Debit Cards in Circulation: % Growth 2017-2022
Table 64 Debit Cards Transactions: % Growth 2017-2022
Table 65 Debit Cards: Number of Cards by Issuer 2017-2021
Table 66 Debit Cards: Number of Cards by Operator 2017-2021
Table 67 Debit Cards Payment Transaction Value by Issuer 2017-2021
Table 68 Debit Cards Payment Transaction Value by Operator 2017-2021
Table 69 Forecast Debit Cards: Number of Cards in Circulation 2022-2027
Table 70 Forecast Debit Cards Transactions 2022-2027
Table 71 Forecast Debit Cards in Circulation: % Growth 2022-2027
Table 72 Forecast Debit Cards Transactions: % Growth 2022-2027

Pre-Paid Cards in France - Category analysis

Pre-Paid Cards in France - Company Profile

KEY DATA FINDINGS

Open loop pre-paid cards see ongoing success, but at lower rates than expected due to the ongoing use of paper vouchers
Closed loop pre-paid cards see more robust growth, as sales maintained through the era of the pandemic due to rise in demand for gift cards
Almost all players are now back in business, with Edenred looking to accelerate digitisation in luncheon cards
Open loop to forge ahead more in volume than in value, as closed loop set to see acceleration due to pending Olympic Games
Closed loop pre-paid cards –sped up digitalisation of gifts cards and the opportunities connected to working from home
Visa, Mastercard and other players need new prospects and should favour pre-paid cards, notably via mobile payment
Table 73 Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 74 Pre-paid Cards Transactions 2017-2022
Table 75 Pre-paid Cards in Circulation: % Growth 2017-2022
Table 76 Pre-paid Cards Transactions: % Growth 2017-2022
Table 77 Closed Loop Pre-paid Cards Transactions 2017-2022
Table 78 Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 79 Open Loop Pre-paid Cards Transactions 2017-2022
Table 80 Open Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 81 Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 82 Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 83 Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 84 Pre-paid Cards Transaction Value by Operator 2017-2021
Table 85 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 86 Closed Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 87 Closed Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 88 Closed Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 89 Open Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 90 Open Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 91 Open Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 92 Open Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 93 Forecast Pre-paid Cards: Number of Cards in Circulation 2022-2027
Table 94 Forecast Pre-paid Cards Transactions 2022-2027
Table 95 Forecast Pre-paid Cards in Circulation: % Growth 2022-2027
Table 96 Forecast Pre-paid Cards Transactions: % Growth 2022-2027
Table 97 Forecast Closed Loop Pre-paid Cards Transactions 2022-2027
Table 98 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2022-2027
Table 99 Forecast Open Loop Pre-paid Cards Transactions 2022-2027
Table 100 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2022-2027

Store Cards in France - Category analysis

Store Cards in France - Company Profile

KEY DATA FINDINGS

Store cards continue on a historic decline, especially in the light of rising inflation
BNPL and e-commerce options offer advantages, but strong competition comes from co-branded credit cards
Issuers face ongoing challenges, whilst some brands find inventive ways to attract customers
Ongoing issues in tracking consumer experiences, a continuous surge of multi-fascia cards and co-branded credit cards, alongside the questioning of BNPL
Store cards will see ongoing organic declines, despite the rise of e-commerce variants
More digital wallets to be associated with store cards
Table 101 Store Cards: Number of Cards in Circulation 2017-2022
Table 102 Store Cards Transactions 2017-2022
Table 103 Store Cards in Circulation: % Growth 2017-2022
Table 104 Store Cards Transactions: % Growth 2017-2022
Table 105 Store Cards: Number of Cards by Issuer 2017-2021
Table 106 Store Cards: Payment Transaction Value by Issuer 2017-2021
Table 107 Forecast Store Cards: Number of Cards in Circulation 2022-2027
Table 108 Forecast Store Cards Transactions 2022-2027
Table 109 Forecast Store Cards in Circulation: % Growth 2022-2027
Table 110 Forecast Store Cards Transactions: % Growth 2022-2027

Financial Cards and Payments in France - Industry Overview

Financial cards and payments in 2022: The big picture
Contactless and mobile payments, and switches to dematerialised pre-paid cards lead the trends
Competitive landscape
What next for financial cards and payments?
Table 111 Number of POS Terminals: Units 2017-2022
Table 112 Number of ATMs: Units 2017-2022
Table 113 Value Lost to Fraud 2017-2022
Table 114 Card Expenditure by Location 2022
Table 115 Financial Cards in Circulation by Type: % Number of Cards 2017-2022
Table 116 Domestic versus Foreign Spend 2022
Table 117 Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 118 Financial Cards by Category: Number of Accounts 2017-2022
Table 119 Financial Cards Transactions by Category: Value 2017-2022
Table 120 Financial Cards by Category: Number of Transactions 2017-2022
Table 121 Commerical Payments by Category: Value 2017-2022
Table 122 Commercial Payments by Category: Number of Transactions 2017-2022
Table 123 Personal Payments by Category: Value 2017-2022
Table 124 Personal Payments by Category: Number of Transactions 2017-2022
Table 125 M-Commerce by Category: Value 2017-2022
Table 126 M-Commerce by Category: % Value Growth 2017-2022
Table 127 Financial Cards: Number of Cards by Issuer 2017-2021
Table 128 Financial Cards: Number of Cards by Operator 2017-2021
Table 129 Financial Cards: Card Payment Transactions Value by Operator 2017-2021
Table 130 Financial Cards: Card Payment Transactions Value by Issuer 2017-2021
Table 131 Forecast Financial Cards by Category: Number of Cards in Circulation 2022-2027
Table 132 Forecast Financial Cards by Category: Number of Accounts 2022-2027
Table 133 Forecast Financial Cards Transactions by Category: Value 2022-2027
Table 134 Forecast Financial Cards by Category: Number of Transactions 2022-2027
Table 135 Forecast Commercial Payments by Category: Value 2022-2027
Table 136 Forecast Commercial Payments by Category: Number of Transactions 2022-2027
Table 137 Forecast Personal Payments by Category: Value 2022-2027
Table 138 Forecast Personal Payments by Category: Number of Transactions 2022-2027
Table 139 Forecast M-Commerce by Category: Value 2022-2027
Table 140 Forecast M-Commerce by Category: % Value Growth 2022-2027

DISCLAIMER

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

Debit Transactions

  • Commercial Debit Card Transactions
  • Personal Debit Card Transactions

Debit Transactions

Debit cards merge the functionality of both an ATM card and direct payment from a bank account (a check substitute in some markets). A debit card allows the cardholder to receive cash and monitor account activity at an ATM machine, as well as pay for goods and services via a point-of-sale terminal. A debit card payment transaction involves the automatic withdrawal of funds from the cardholder’s demand deposit bank account (checking or giro). Since the funds are removed from a bank account, no interest is charged on payments.

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

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