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Country Report

Debit Transactions in

Debit Cards in Poland

16 pages, Oct 2017

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

Growth in banked population and increasing acceptance bolster debit card usage

Debit cards remained the largest of the main financial cards categories in Poland in 2017 in terms of volume and current value transactions. The category continued to perform positively thanks to growth in the country’s banked population, as debit cards are typically issued to new customers when they open bank accounts, and banks often waive monthly fees for customers who use such cards to make cashless transactions over a certain amount within a set billing period.

Contactless payments continue to gain popularity as technology drives the evolution of debit cards

Most debit cards in circulation in Poland 2017 were contactless smart cards. Consumers are not required to enter a PIN for contactless payments of up to PLN50, which makes debit cards a fast and convenient option for small everyday purchases.

Rising popularity of online shopping boosts online debit card payments

According to the National Bank of Poland, internet payments represent one of the most dynamic areas within payments, and this is largely thanks to the increasing use of debit cards for online purchases. In April 2017, Visa implemented its new Visa Checkout service for online card payments.

COMPETITIVE LANDSCAPE

Choice of debit card operators remains limited as Visa and MasterCard continue to dominate

Visa Inc and MasterCard International Inc were the only debit card operators present in Poland in 2016. There are no significant differences between the debit card offers of these two players.

PKO Bank Polski SA remains the leading issuer in debit cards

PKO Bank Polski SA remained the leading issuer in debit cards in terms of card numbers and current value transactions in 2017. PKO offers a variety of debit card types for individuals, SMEs and larger corporations.

Debit card operators and issuers offer cashback to encourage cashless payments

In May 2015, Visa launched the Visa Oferty loyalty programme to promote cashless payments. This programme offers members cashback when they use Visa debit cards for cashless transactions in selected outlets.

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Overview

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Charge Cards in Poland - Category analysis

Charge Cards in Poland - Company Profile

HEADLINES

PROSPECTS

Growing use of fleet cards drives the development of charge cards

Charge cards exempt from new interchange fee caps

Use of charge cards set to remain concentrated among commercial clients

COMPETITIVE LANDSCAPE

Bank Millennium ceases issuing American Express charge cards

Diners Club focuses marketing activities on business customers

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2012-2017
Table 2 Charge Cards Transactions 2012-2017
Table 3 Charge Cards in Circulation: % Growth 2012-2017
Table 4 Charge Cards Transactions: % Growth 2012-2017
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2012-2017
Table 6 Commercial Charge Cards Transactions 2012-2017
Table 7 Commercial Charge Cards in Circulation: % Growth 2012-2017
Table 8 Commercial Charge Cards Transactions: % Growth 2012-2017
Table 9 Personal Charge Cards: Number of Cards in Circulation 2012-2017
Table 10 Personal Charge Cards Transactions 2012-2017
Table 11 Personal Charge Cards in Circulation: % Growth 2012-2017
Table 12 Personal Charge Cards Transactions: % Growth 2012-2017
Table 13 Charge Cards: Number of Cards by Issuer 2012-2016
Table 14 Charge Cards: Number of Cards by Operator 2012-2016
Table 15 Charge Cards Payment Transaction Value by Issuer 2012-2016
Table 16 Charge Cards Payment Transaction Value by Operator 2012-2016
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2012-2016
Table 18 Commercial Charge Cards: Number of Cards by Operator 2012-2016
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2012-2016
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2012-2016
Table 21 Personal Charge Cards: Number of Cards by Issuer 2012-2016
Table 22 Personal Charge Cards: Number of Cards by Operator 2012-2016
Table 23 Personal Charge Cards Transaction Value by Issuer 2012-2016
Table 24 Personal Charge Cards Transaction Value by Operator 2012-2016
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2017-2022
Table 26 Forecast Charge Cards Transactions 2017-2022
Table 27 Forecast Charge Cards in Circulation: % Growth 2017-2022
Table 28 Forecast Charge Cards Transactions: % Growth 2017-2022
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2017-2022
Table 30 Forecast Commercial Charge Cards Transactions 2017-2022
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2017-2022
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2017-2022
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2017-2022
Table 34 Forecast Personal Charge Cards Transactions 2017-2022
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2017-2022
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2017-2022

Credit Cards in Poland - Category analysis

Credit Cards in Poland - Company Profile

HEADLINES

PROSPECTS

Review period drop in credit card numbers reflects more prudent financial management among Poles

Credit cards face increasing competition from debit cards

Mistrust and debt concerns will continue to limit credit card use over the forecast period

COMPETITIVE LANDSCAPE

Mergers and acquisitions change the competitive environment within credit cards

Innovations bolster credit card transactions

Popularity of co-branded credit cards declines

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2012-2017
Table 38 Credit Cards Transactions 2012-2017
Table 39 Credit Cards in Circulation: % Growth 2012-2017
Table 40 Credit Cards Transactions: % Growth 2012-2017
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2012-2017
Table 42 Commercial Credit Cards Transactions 2012-2017
Table 43 Commercial Credit Cards in Circulation: % Growth 2012-2017
Table 44 Commercial Credit Cards Transactions: % Growth 2012-2017
Table 45 Personal Credit Cards: Number of Cards in Circulation 2012-2017
Table 46 Personal Credit Cards Transactions 2012-2017
Table 47 Personal Credit Cards in Circulation: % Growth 2012-2017
Table 48 Personal Credit Cards Transactions: % Growth 2012-2017
Table 49 Credit Cards: Number of Cards by Issuer 2012-2016
Table 50 Credit Cards: Number of Cards by Operator 2012-2016
Table 51 Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 52 Credit Cards Payment Transaction Value by Operator 2012-2016
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2012-2016
Table 54 Commercial Credit Cards: Number of Cards by Operator 2012-2016
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2012-2016
Table 57 Personal Credit Cards: Number of Cards by Issuer 2012-2016
Table 58 Personal Credit Cards: Number of Cards by Operator 2012-2016
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2012-2016
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2017-2022
Table 62 Forecast Credit Cards Transactions 2017-2022
Table 63 Forecast Credit Cards in Circulation: % Growth 2017-2022
Table 64 Forecast Credit Cards Transactions: % Growth 2017-2022
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2017-2022
Table 66 Forecast Commercial Credit Cards Transactions 2017-2022
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2017-2022
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2017-2022
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 70 Forecast Personal Credit Cards Transactions 2017-2022
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2017-2022
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2017-2022

Debit Cards in Poland - Category analysis

Debit Cards in Poland - Company Profile

HEADLINES

PROSPECTS

Growth in banked population and increasing acceptance bolster debit card usage

Contactless payments continue to gain popularity as technology drives the evolution of debit cards

Rising popularity of online shopping boosts online debit card payments

COMPETITIVE LANDSCAPE

Choice of debit card operators remains limited as Visa and MasterCard continue to dominate

PKO Bank Polski SA remains the leading issuer in debit cards

Debit card operators and issuers offer cashback to encourage cashless payments

CATEGORY DATA

Table 73 Debit Cards: Number of Cards in Circulation 2012-2017
Table 74 Debit Cards Transactions 2012-2017
Table 75 Debit Cards in Circulation: % Growth 2012-2017
Table 76 Debit Cards Transactions: % Growth 2012-2017
Table 77 Debit Cards: Number of Cards by Issuer 2012-2016
Table 78 Debit Cards: Number of Cards by Operator 2012-2016
Table 79 Debit Cards Payment Transaction Value by Issuer 2012-2016
Table 80 Debit Cards Payment Transaction Value by Operator 2012-2016
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2017-2022
Table 82 Forecast Debit Cards Transactions 2017-2022
Table 83 Forecast Debit Cards in Circulation: % Growth 2017-2022
Table 84 Forecast Debit Cards Transactions: % Growth 2017-2022

Pre-Paid Cards in Poland - Category analysis

Pre-Paid Cards in Poland - Company Profile

HEADLINES

PROSPECTS

KNF’s recommendations affect open loop pre-paid cards

Open loop pre-paid cards perceived as a useful tool to reduce the amount of cash in circulation

Closed loop transportation cards face threat from other forms of cashless payments

COMPETITIVE LANDSCAPE

Bank Zachodni adapts to KNF recommendation

Public transport companies remain the leading issuers in closed loop pre-paid cards

Loan company Yolo launches Trzynastka pre-paid cards

CATEGORY DATA

Table 85 Pre-paid Cards: Number of Cards in Circulation 2012-2017
Table 86 Pre-paid Cards Transactions 2012-2017
Table 87 Pre-paid Cards in Circulation: % Growth 2012-2017
Table 88 Pre-paid Cards Transactions: % Growth 2012-2017
Table 89 Closed Loop Pre-paid Cards Transactions 2012-2017
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2012-2017
Table 91 Open Loop Pre-paid Cards Transactions 2012-2017
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2012-2017
Table 93 Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 94 Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 95 Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 96 Pre-paid Cards Transaction Value by Operator 2012-2016
Table 97 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 98 Closed Loop Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 99 Closed Loop Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 100 Closed Loop Pre-paid Cards Transaction Value by Operator 2012-2016
Table 101 Open Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 102 Open Loop Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 103 Open Loop Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 104 Open Loop Pre-paid Cards Transaction Value by Operator 2012-2016
Table 105 Forecast Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 106 Forecast Pre-paid Cards Transactions 2017-2022
Table 107 Forecast Pre-paid Cards in Circulation: % Growth 2017-2022
Table 108 Forecast Pre-paid Cards Transactions: % Growth 2017-2022
Table 109 Forecast Closed Loop Pre-paid Cards Transactions 2017-2022
Table 110 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 111 Forecast Open Loop Pre-paid Cards Transactions 2017-2022
Table 112 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2017-2022

Store Cards in Poland - Category analysis

Store Cards in Poland - Company Profile

PROSPECTS

Store cards have been replaced by co-branded credit cards in Poland

Financial Cards and Payments in Poland - Industry Overview

EXECUTIVE SUMMARY

Modern and innovative payment system bolsters financial cards performance

Government moves to limit cash transactions in public administration

PZU SA and PFR acquire 33% stake in Pekao SA from UniCredit SpA

Poles embrace technological innovations in financial cards and payments

Forecast period outlook for financial cards and payments remains positive

MARKET DATA

Table 113 Financial Cards by Category: Number of Cards in Circulation 2012-2017
Table 114 Financial Cards by Category: Number of Accounts 2012-2017
Table 115 Financial Cards Transactions by Category: Value 2012-2017
Table 116 Financial Cards by Category: Number of Transactions 2012-2017
Table 117 Consumer Payments by Category: Value 2012-2017
Table 118 Consumer Payments by Category: Number of Transactions 2012-2017
Table 119 M-Commerce by Category: Value 2013-2017
Table 120 M-Commerce by Category: % Value Growth 2013-2017
Table 121 Financial Cards: Number of Cards by Issuer 2012-2016
Table 122 Financial Cards: Number of Cards by Operator 2012-2016
Table 123 Financial Cards: Card Payment Transactions Value by Operator 2012-2016
Table 124 Financial Cards: Card Payment Transactions Value by Issuer 2012-2016
Table 125 Forecast Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 126 Forecast Financial Cards by Category: Number of Accounts 2017-2022
Table 127 Forecast Financial Cards Transactions by Category: Value 2017-2022
Table 128 Forecast Financial Cards by Category: Number of Transactions 2017-2022
Table 129 Forecast Consumer Payments by Category: Value 2017-2022
Table 130 Forecast Consumer Payments by Category: Number of Transactions 2017-2022
Table 131 Forecast M-Commerce by Category: Value 2017-2022
Table 132 Forecast M-Commerce by Category: % Value Growth 2017-2022

Megatrends

Country Report

Debit Cards in Poland

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Growth in banked population and increasing acceptance bolster debit card usage

Contactless payments continue to gain popularity as technology drives the evolution of debit cards

Rising popularity of online shopping boosts online debit card payments

COMPETITIVE LANDSCAPE

Choice of debit card operators remains limited as Visa and MasterCard continue to dominate

PKO Bank Polski SA remains the leading issuer in debit cards

Debit card operators and issuers offer cashback to encourage cashless payments

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

HEADLINES

PROSPECTS

Growing use of fleet cards drives the development of charge cards

Charge cards exempt from new interchange fee caps

Use of charge cards set to remain concentrated among commercial clients

COMPETITIVE LANDSCAPE

Bank Millennium ceases issuing American Express charge cards

Diners Club focuses marketing activities on business customers

CATEGORY DATA

Credit Cards in Poland - Category analysis

Credit Cards in Poland - Company Profile

HEADLINES

PROSPECTS

Review period drop in credit card numbers reflects more prudent financial management among Poles

Credit cards face increasing competition from debit cards

Mistrust and debt concerns will continue to limit credit card use over the forecast period

COMPETITIVE LANDSCAPE

Mergers and acquisitions change the competitive environment within credit cards

Innovations bolster credit card transactions

Popularity of co-branded credit cards declines

CATEGORY DATA

Debit Cards in Poland - Category analysis

Debit Cards in Poland - Company Profile

HEADLINES

PROSPECTS

Growth in banked population and increasing acceptance bolster debit card usage

Contactless payments continue to gain popularity as technology drives the evolution of debit cards

Rising popularity of online shopping boosts online debit card payments

COMPETITIVE LANDSCAPE

Choice of debit card operators remains limited as Visa and MasterCard continue to dominate

PKO Bank Polski SA remains the leading issuer in debit cards

Debit card operators and issuers offer cashback to encourage cashless payments

CATEGORY DATA

Pre-Paid Cards in Poland - Category analysis

Pre-Paid Cards in Poland - Company Profile

HEADLINES

PROSPECTS

KNF’s recommendations affect open loop pre-paid cards

Open loop pre-paid cards perceived as a useful tool to reduce the amount of cash in circulation

Closed loop transportation cards face threat from other forms of cashless payments

COMPETITIVE LANDSCAPE

Bank Zachodni adapts to KNF recommendation

Public transport companies remain the leading issuers in closed loop pre-paid cards

Loan company Yolo launches Trzynastka pre-paid cards

CATEGORY DATA

Store Cards in Poland - Category analysis

Store Cards in Poland - Company Profile

PROSPECTS

Store cards have been replaced by co-branded credit cards in Poland

Financial Cards and Payments in Poland - Industry Overview

EXECUTIVE SUMMARY

Modern and innovative payment system bolsters financial cards performance

Government moves to limit cash transactions in public administration

PZU SA and PFR acquire 33% stake in Pekao SA from UniCredit SpA

Poles embrace technological innovations in financial cards and payments

Forecast period outlook for financial cards and payments remains positive

MARKET DATA

SOURCES

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