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Country Report

Debit Transactions in

Debit Cards in Poland

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

Emergence of pandemic supports further demand for debit cards and an increase in the limit spend on contactless payments in further move away from cash transactions

The emergence of COVID-19 accelerated the ongoing migration towards non-cash payments in Poland, further strengthening the already dominant position of contactless smart cards. While initial uncertainty at the beginning of the pandemic in terms of accessing their savings resulted in some consumers making higher withdrawals of cash from ATMs, this was a short-lived trend.

Increase in online purchases during pandemic but card fraud concerns support other digital payment options

Unlike all other financial cards in circulation in Poland, demand for debit cards also continued to rise in 2020, supported by a further jump in the banked population. Local consumers began to understand the importance of having a bank account with an associated financial card which would enable them to not only make contactless payments in retailers but also online, as an increasing number of consumers made purchases through e-commerce, taking advantage of home delivery which reduced the need to come into contact with others outside of the home.

Smaller financial institutions gain share from leading issuer PKO Bank Polski

PKO Bank Polski SA remained the largest issuer in debit cards in 2020, in terms of card number and current value transactions. It offers a variety of debit card types for individuals, SMEs and corporations.

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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 Debit Transactions industry in Poland 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 Debit Transactions industry in Poland, our research will save you time and money while empowering you to make informed, profitable decisions.

The Debit Transactions in Poland 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 Debit Transactions in Poland?
What are the major operators and issuers in Poland?
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 Debit Transactions in Poland, originate from our database within our Consumer Finance market share and market size database.

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Charge Cards in Poland - Category analysis

Charge Cards in Poland - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Pandemic and subsequent lockdown reduces overall usage of charge cards for travel and related expenses in 2020

Commercial charge cards dominated by fuel and fleet cards in Poland

PKN Orlen remains leading issuer and operator of charge cards in 2020

RECOVERY AND OPPORTUNITIES

Demand for personal charge cards predicted to continue declining, with main appeal linked to affluent consumers

Tentative recovery predicted for the dominant commercial charge cards in 2021

Diners Club likely to remain a niche product overall, but continues to expand its services to offer innovation and greater convenience

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 Poland - Category analysis

Credit Cards in Poland - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Caution over accruing debt by Poles and concerns amongst banks over customers’ ability to pay off credit during pandemic results in further decline in number of cards in circulation

Usage of credit cards declines with stronger drop witnessed by commercial credit cards due to reduced travel-related business opportunities during pandemic

Intensifying competition within credit cards, but PKO Bank Polski remains leading issuer in 2020

RECOVERY AND OPPORTUNITIES

Recovery predicted for credit cards from 2021 onwards with marginally stronger growth set for the commercial category in terms of transaction value and demand for cards

Fee waivers for customers who regularly use their credit cards will ensure lower average spend per transaction rather than accrue a greater amount of debt

“Anti-crisis shield” introduced by government as part of financial assistance does not include credit cards

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 Poland - Category analysis

Debit Cards in Poland - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Emergence of pandemic supports further demand for debit cards and an increase in the limit spend on contactless payments in further move away from cash transactions

Increase in online purchases during pandemic but card fraud concerns support other digital payment options

Smaller financial institutions gain share from leading issuer PKO Bank Polski

RECOVERY AND OPPORTUNITIES

Average spend per transaction set to decline over the forecast period but debit cards still set to record positive performance overtaking cash as preferred payment method

Unbanked population leaves room for further uptake of debit cards over forecast period

Contactless debit cards to further support transportation schemes including Mennica Polska’s season tickets

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 Poland - Category analysis

Pre-Paid Cards in Poland - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Dominance of transportation cards within closed loop pre-paid results in notable declines across category in 2020 due to COVID-19 and subsequent lockdown

Open loop pre-paid cards driven by business demand experience declines due to work from home policies during lockdown

Fintech Revolut makes further impressive share gain within open loop pre-paid cards

RECOVERY AND OPPORTUNITIES

Path to recovery not expected for open loop pre-paid cards until 2022 due to ongoing restrictions and work from home policies

Brief recovery for closed loop pre-paid cards in 2021 but longer-term decline is predicted

Increases and commissions likely to be introduced as companies struggle to maintain profits following pandemic

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 Transactions: % Growth 2020-2025
Table 108 Forecast Closed Loop Pre-paid Cards Transactions 2020-2025
Table 109 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 110 Forecast Open Loop Pre-paid Cards Transactions 2020-2025
Table 111 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2020-2025

Store Cards in Poland - Category analysis

Store Cards in Poland - Company Profile

2020 IMPACT

Financial Cards and Payments in Poland - Industry Overview

EXECUTIVE SUMMARY

COVID-19 impact on consumer payments

COVID-19 country impact

Consumer reluctance to accrue further debt inhibiting growth for credit cards while government launches range of financial support programmes

Digital payments given a boost during the pandemic as consumers move online

PKO Bank Polski remains leading issuer of financial cards but comes under increasing pressure from dynamic fintechs

What next for consumer payments?

MARKET INDICATORS

Table 112 Number of POS Terminals: Units 2015-2020
Table 113 Number of ATMs: Units 2015-2020
Table 114 Value Lost to Fraud 2015-2020
Table 115 Card Expenditure by Location 2020
Table 116 Financial Cards in Circulation by Type: % Number of Cards 2015-2020
Table 117 Domestic versus Foreign Spend 2020

MARKET DATA

Table 118 Financial Cards by Category: Number of Cards in Circulation 2015-2020
Table 119 Financial Cards by Category: Number of Accounts 2015-2020
Table 120 Financial Cards Transactions by Category: Value 2015-2020
Table 121 Financial Cards by Category: Number of Transactions 2015-2020
Table 122 Consumer Payments by Category: Value 2015-2020
Table 123 Consumer Payments by Category: Number of Transactions 2015-2020
Table 124 M-Commerce by Category: Value 2015-2020
Table 125 M-Commerce by Category: % Value Growth 2015-2020
Table 126 Financial Cards: Number of Cards by Issuer 2015-2019
Table 127 Financial Cards: Number of Cards by Operator 2015-2019
Table 128 Financial Cards: Card Payment Transactions Value by Operator 2015-2019
Table 129 Financial Cards: Card Payment Transactions Value by Issuer 2015-2019
Table 130 Forecast Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 131 Forecast Financial Cards by Category: Number of Accounts 2020-2025
Table 132 Forecast Financial Cards Transactions by Category: Value 2020-2025
Table 133 Forecast Financial Cards by Category: Number of Transactions 2020-2025
Table 134 Forecast Consumer Payments by Category: Value 2020-2025
Table 135 Forecast Consumer Payments by Category: Number of Transactions 2020-2025
Table 136 Forecast M-Commerce by Category: Value 2020-2025
Table 137 Forecast M-Commerce by Category: % Value Growth 2020-2025

Megatrends

Country Report

Debit Cards in Poland

New Report Guarantee

Executive Summary

New Report Guarantee

2020 IMPACT

Emergence of pandemic supports further demand for debit cards and an increase in the limit spend on contactless payments in further move away from cash transactions

Increase in online purchases during pandemic but card fraud concerns support other digital payment options

Smaller financial institutions gain share from leading issuer PKO Bank Polski

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 Poland - Category analysis

Charge Cards in Poland - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Pandemic and subsequent lockdown reduces overall usage of charge cards for travel and related expenses in 2020

Commercial charge cards dominated by fuel and fleet cards in Poland

PKN Orlen remains leading issuer and operator of charge cards in 2020

RECOVERY AND OPPORTUNITIES

Demand for personal charge cards predicted to continue declining, with main appeal linked to affluent consumers

Tentative recovery predicted for the dominant commercial charge cards in 2021

Diners Club likely to remain a niche product overall, but continues to expand its services to offer innovation and greater convenience

CATEGORY DATA

Credit Cards in Poland - Category analysis

Credit Cards in Poland - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Caution over accruing debt by Poles and concerns amongst banks over customers’ ability to pay off credit during pandemic results in further decline in number of cards in circulation

Usage of credit cards declines with stronger drop witnessed by commercial credit cards due to reduced travel-related business opportunities during pandemic

Intensifying competition within credit cards, but PKO Bank Polski remains leading issuer in 2020

RECOVERY AND OPPORTUNITIES

Recovery predicted for credit cards from 2021 onwards with marginally stronger growth set for the commercial category in terms of transaction value and demand for cards

Fee waivers for customers who regularly use their credit cards will ensure lower average spend per transaction rather than accrue a greater amount of debt

“Anti-crisis shield” introduced by government as part of financial assistance does not include credit cards

CATEGORY DATA

Debit Cards in Poland - Category analysis

Debit Cards in Poland - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Emergence of pandemic supports further demand for debit cards and an increase in the limit spend on contactless payments in further move away from cash transactions

Increase in online purchases during pandemic but card fraud concerns support other digital payment options

Smaller financial institutions gain share from leading issuer PKO Bank Polski

RECOVERY AND OPPORTUNITIES

Average spend per transaction set to decline over the forecast period but debit cards still set to record positive performance overtaking cash as preferred payment method

Unbanked population leaves room for further uptake of debit cards over forecast period

Contactless debit cards to further support transportation schemes including Mennica Polska’s season tickets

CATEGORY DATA

Pre-Paid Cards in Poland - Category analysis

Pre-Paid Cards in Poland - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Dominance of transportation cards within closed loop pre-paid results in notable declines across category in 2020 due to COVID-19 and subsequent lockdown

Open loop pre-paid cards driven by business demand experience declines due to work from home policies during lockdown

Fintech Revolut makes further impressive share gain within open loop pre-paid cards

RECOVERY AND OPPORTUNITIES

Path to recovery not expected for open loop pre-paid cards until 2022 due to ongoing restrictions and work from home policies

Brief recovery for closed loop pre-paid cards in 2021 but longer-term decline is predicted

Increases and commissions likely to be introduced as companies struggle to maintain profits following pandemic

CATEGORY DATA

Store Cards in Poland - Category analysis

Store Cards in Poland - Company Profile

2020 IMPACT

Financial Cards and Payments in Poland - Industry Overview

EXECUTIVE SUMMARY

COVID-19 impact on consumer payments

COVID-19 country impact

Consumer reluctance to accrue further debt inhibiting growth for credit cards while government launches range of financial support programmes

Digital payments given a boost during the pandemic as consumers move online

PKO Bank Polski remains leading issuer of financial cards but comes under increasing pressure from dynamic fintechs

What next for consumer payments?

MARKET INDICATORS

MARKET DATA

DISCLAIMER