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Country Report

Debit Transactions in

Debit Cards in Poland

18 pages, Nov 2018

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

Debit card transactions remain far ahead of other card transactions

Debit cards constitutes the largest financial card category in Poland in terms of volume and current value transactions. Price policies of banks that often waive monthly fees for customers that use such cards to make cashless transactions over a certain amount within a set billing period drive cashless payments.

Biometrics expected to simplify authorisation of debit card transactions

A survey conducted by Mastercard showed that the vast majority of Polish respondents prefer to use biometrics instead of passwords when authenticating payments. To meet these expectations, Mastercard provides Mastercard Identity Check technology.

Polish consumers appreciate convenience of contactless technology

As most debit cards are now contactless, the growing presence of contactless-enabled POS terminals stimulates consumers to use debit cards for micropayments. 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 everyday purchases.

COMPETITIVE LANDSCAPE

PKO Bank Polski maintains its lead

PKO Bank Polski remains the largest issuer in debit cards in terms of card numbers and current value transactions. PKO Bank Polski offers a variety of debit card types for individuals, SMEs and corporations.

Limited choice of debit card operators

Visa and Mastercard are the only debit card operators in Poland. Major banks in Poland operate the two systems in parallel, and usually set the same fees for debit cards from both operators.

Innovations drive cashless debit transactions

Innovative solutions are adding dynamism to debit cards in Poland. In 2018, mBank launched the MasterCard Opaska card, a small card that can be hidden in an armband.

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Overview

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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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Charge Cards in Poland - Category analysis

Charge Cards in Poland - Company Profile

HEADLINES

PROSPECTS

Fleet cards dominate the category

Charge cards as a tool for privileged clients

Charge cards squeezed by debit and credit cards

COMPETITIVE LANDSCAPE

Fleet cards dominate the landscape

Diners Club card undergoes a transformation towards contactless cards

Competition between fleet card operators set to intensify

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2013-2018
Table 2 Charge Cards Transactions 2013-2018
Table 3 Charge Cards in Circulation: % Growth 2013-2018
Table 4 Charge Cards Transactions: % Growth 2013-2018
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2013-2018
Table 6 Commercial Charge Cards Transactions 2013-2018
Table 7 Commercial Charge Cards in Circulation: % Growth 2013-2018
Table 8 Commercial Charge Cards Transactions: % Growth 2013-2018
Table 9 Personal Charge Cards: Number of Cards in Circulation 2013-2018
Table 10 Personal Charge Cards Transactions 2013-2018
Table 11 Personal Charge Cards in Circulation: % Growth 2013-2018
Table 12 Personal Charge Cards Transactions: % Growth 2013-2018
Table 13 Charge Cards: Number of Cards by Issuer 2013-2017
Table 14 Charge Cards: Number of Cards by Operator 2013-2017
Table 15 Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 16 Charge Cards Payment Transaction Value by Operator 2013-2017
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2013-2017
Table 18 Commercial Charge Cards: Number of Cards by Operator 2013-2017
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2013-2017
Table 21 Personal Charge Cards: Number of Cards by Issuer 2013-2017
Table 22 Personal Charge Cards: Number of Cards by Operator 2013-2017
Table 23 Personal Charge Cards Transaction Value by Issuer 2013-2017
Table 24 Personal Charge Cards Transaction Value by Operator 2013-2017
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2018-2023
Table 26 Forecast Charge Cards Transactions 2018-2023
Table 27 Forecast Charge Cards in Circulation: % Growth 2018-2023
Table 28 Forecast Charge Cards Transactions: % Growth 2018-2023
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 30 Forecast Commercial Charge Cards Transactions 2018-2023
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2018-2023
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2018-2023
Table 34 Forecast Personal Charge Cards Transactions 2018-2023
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2018-2023
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2018-2023

Credit Cards in Poland - Category analysis

Credit Cards in Poland - Company Profile

HEADLINES

PROSPECTS

Banks finish cleaning up their portfolios of inactive cards

Banks use the maximum interest rate permitted on credit cards

Credit cards not expected to threaten debit cards

COMPETITIVE LANDSCAPE

Banco Santander is a leading issuer

Visa and Mastercard in the lead

Poles love shopping and discounts obtained thanks to cobranded credit cards

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2013-2018
Table 38 Credit Cards Transactions 2013-2018
Table 39 Credit Cards in Circulation: % Growth 2013-2018
Table 40 Credit Cards Transactions: % Growth 2013-2018
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2013-2018
Table 42 Commercial Credit Cards Transactions 2013-2018
Table 43 Commercial Credit Cards in Circulation: % Growth 2013-2018
Table 44 Commercial Credit Cards Transactions: % Growth 2013-2018
Table 45 Personal Credit Cards: Number of Cards in Circulation 2013-2018
Table 46 Personal Credit Cards Transactions 2013-2018
Table 47 Personal Credit Cards in Circulation: % Growth 2013-2018
Table 48 Personal Credit Cards Transactions: % Growth 2013-2018
Table 49 Credit Cards: Number of Cards by Issuer 2013-2017
Table 50 Credit Cards: Number of Cards by Operator 2013-2017
Table 51 Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 52 Credit Cards Payment Transaction Value by Operator 2013-2017
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2013-2017
Table 54 Commercial Credit Cards: Number of Cards by Operator 2013-2017
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2013-2017
Table 57 Personal Credit Cards: Number of Cards by Issuer 2013-2017
Table 58 Personal Credit Cards: Number of Cards by Operator 2013-2017
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2013-2017
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2018-2023
Table 62 Forecast Credit Cards Transactions 2018-2023
Table 63 Forecast Credit Cards in Circulation: % Growth 2018-2023
Table 64 Forecast Credit Cards Transactions: % Growth 2018-2023
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2018-2023
Table 66 Forecast Commercial Credit Cards Transactions 2018-2023
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2018-2023
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2018-2023
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 70 Forecast Personal Credit Cards Transactions 2018-2023
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2018-2023
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2018-2023

Debit Cards in Poland - Category analysis

Debit Cards in Poland - Company Profile

HEADLINES

PROSPECTS

Debit card transactions remain far ahead of other card transactions

Biometrics expected to simplify authorisation of debit card transactions

Polish consumers appreciate convenience of contactless technology

COMPETITIVE LANDSCAPE

PKO Bank Polski maintains its lead

Limited choice of debit card operators

Innovations drive cashless debit transactions

CATEGORY DATA

Table 73 Debit Cards: Number of Cards in Circulation 2013-2018
Table 74 Debit Cards Transactions 2013-2018
Table 75 Debit Cards in Circulation: % Growth 2013-2018
Table 76 Debit Cards Transactions: % Growth 2013-2018
Table 77 Debit Cards: Number of Cards by Issuer 2013-2017
Table 78 Debit Cards: Number of Cards by Operator 2013-2017
Table 79 Debit Cards Payment Transaction Value by Issuer 2013-2017
Table 80 Debit Cards Payment Transaction Value by Operator 2013-2017
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2018-2023
Table 82 Forecast Debit Cards Transactions 2018-2023
Table 83 Forecast Debit Cards in Circulation: % Growth 2018-2023
Table 84 Forecast Debit Cards Transactions: % Growth 2018-2023

Pre-Paid Cards in Poland - Category analysis

Pre-Paid Cards in Poland - Company Profile

HEADLINES

PROSPECTS

The impact of the KNF recommendation not as strong as expected

Closed-loop transportation cards maintain a strong position

Open payment systems implemented in urban transport in Poland

COMPETITIVE LANDSCAPE

Significant increase seen in cards issued to business clients

Mennica Polska implements innovative payment systems in urban transport

UK fintech player Revolut challenges banks in Poland

CATEGORY DATA

Table 85 Pre-paid Cards: Number of Cards in Circulation 2013-2018
Table 86 Pre-paid Cards Transactions 2013-2018
Table 87 Pre-paid Cards in Circulation: % Growth 2013-2018
Table 88 Pre-paid Cards Transactions: % Growth 2013-2018
Table 89 Closed Loop Pre-paid Cards Transactions 2013-2018
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 91 Open Loop Pre-paid Cards Transactions 2013-2018
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 93 Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 94 Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 95 Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 96 Pre-paid Cards Transaction Value by Operator 2013-2017
Table 97 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 98 Closed Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 99 Closed Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 100 Closed Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 101 Open Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 102 Open Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 103 Open Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 104 Open Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 105 Forecast Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 106 Forecast Pre-paid Cards Transactions 2018-2023
Table 107 Forecast Pre-paid Cards in Circulation: % Growth 2018-2023
Table 108 Forecast Pre-paid Cards Transactions: % Growth 2018-2023
Table 109 Forecast Closed Loop Pre-paid Cards Transactions 2018-2023
Table 110 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 111 Forecast Open Loop Pre-paid Cards Transactions 2018-2023
Table 112 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2018-2023

Store Cards in Poland - Category analysis

Store Cards in Poland - Company Profile

PROSPECTS

Financial Cards and Payments in Poland - Industry Overview

EXECUTIVE SUMMARY

Payments migrate from cash to cards

The Cashless Poland Foundation launches its cashless turnover development programme

Poles happy to make contactless mobile payments

Poland is catching up with banked population ratio

Shift away from cash expected to continue

MARKET INDICATORS

Table 113 Number of POS Terminals: Units 2013-2018
Table 114 Number of ATMs: Units 2013-2018
Table 115 Value Lost to Fraud 2013-2018
Table 116 Card Expenditure by Location 2017
Table 117 Financial Cards in Circulation by Type: % Number of Cards 2013-2018
Table 118 Domestic versus Foreign Spend 2018

MARKET DATA

Table 119 Financial Cards by Category: Number of Cards in Circulation 2013-2018
Table 120 Financial Cards by Category: Number of Accounts 2013-2018
Table 121 Financial Cards Transactions by Category: Value 2013-2018
Table 122 Financial Cards by Category: Number of Transactions 2013-2018
Table 123 Consumer Payments by Category: Value 2013-2018
Table 124 Consumer Payments by Category: Number of Transactions 2013-2018
Table 125 M-Commerce by Category: Value 2013-2018
Table 126 M-Commerce by Category: % Value Growth 2013-2018
Table 127 Financial Cards: Number of Cards by Issuer 2013-2017
Table 128 Financial Cards: Number of Cards by Operator 2013-2017
Table 129 Financial Cards: Card Payment Transactions Value by Operator 2013-2017
Table 130 Financial Cards: Card Payment Transactions Value by Issuer 2013-2017
Table 131 Forecast Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 132 Forecast Financial Cards by Category: Number of Accounts 2018-2023
Table 133 Forecast Financial Cards Transactions by Category: Value 2018-2023
Table 134 Forecast Financial Cards by Category: Number of Transactions 2018-2023
Table 135 Forecast Consumer Payments by Category: Value 2018-2023
Table 136 Forecast Consumer Payments by Category: Number of Transactions 2018-2023
Table 137 Forecast M-Commerce by Category: Value 2018-2023
Table 138 Forecast M-Commerce by Category: % Value Growth 2018-2023

Megatrends

Country Report

Debit Cards in Poland

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Debit card transactions remain far ahead of other card transactions

Biometrics expected to simplify authorisation of debit card transactions

Polish consumers appreciate convenience of contactless technology

COMPETITIVE LANDSCAPE

PKO Bank Polski maintains its lead

Limited choice of debit card operators

Innovations drive cashless debit transactions

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

Fleet cards dominate the category

Charge cards as a tool for privileged clients

Charge cards squeezed by debit and credit cards

COMPETITIVE LANDSCAPE

Fleet cards dominate the landscape

Diners Club card undergoes a transformation towards contactless cards

Competition between fleet card operators set to intensify

CATEGORY DATA

Credit Cards in Poland - Category analysis

Credit Cards in Poland - Company Profile

HEADLINES

PROSPECTS

Banks finish cleaning up their portfolios of inactive cards

Banks use the maximum interest rate permitted on credit cards

Credit cards not expected to threaten debit cards

COMPETITIVE LANDSCAPE

Banco Santander is a leading issuer

Visa and Mastercard in the lead

Poles love shopping and discounts obtained thanks to cobranded credit cards

CATEGORY DATA

Debit Cards in Poland - Category analysis

Debit Cards in Poland - Company Profile

HEADLINES

PROSPECTS

Debit card transactions remain far ahead of other card transactions

Biometrics expected to simplify authorisation of debit card transactions

Polish consumers appreciate convenience of contactless technology

COMPETITIVE LANDSCAPE

PKO Bank Polski maintains its lead

Limited choice of debit card operators

Innovations drive cashless debit transactions

CATEGORY DATA

Pre-Paid Cards in Poland - Category analysis

Pre-Paid Cards in Poland - Company Profile

HEADLINES

PROSPECTS

The impact of the KNF recommendation not as strong as expected

Closed-loop transportation cards maintain a strong position

Open payment systems implemented in urban transport in Poland

COMPETITIVE LANDSCAPE

Significant increase seen in cards issued to business clients

Mennica Polska implements innovative payment systems in urban transport

UK fintech player Revolut challenges banks in Poland

CATEGORY DATA

Store Cards in Poland - Category analysis

Store Cards in Poland - Company Profile

PROSPECTS

Financial Cards and Payments in Poland - Industry Overview

EXECUTIVE SUMMARY

Payments migrate from cash to cards

The Cashless Poland Foundation launches its cashless turnover development programme

Poles happy to make contactless mobile payments

Poland is catching up with banked population ratio

Shift away from cash expected to continue

MARKET INDICATORS

MARKET DATA

SOURCES

Why buy this report?