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Financial Cards and Payments in Germany

November 2021
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USD 2,100
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Overview:

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

The Financial Cards and Payments in Germany 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 Financial Cards and Payments in Germany?
  • What are the major trends key to understanding Financial Cards and Payments in Germany?
  • 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?
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Financial Cards and Payments in Germany - Industry Overview

Financial cards and payments in 2021: The big picture
Digital transformation in consumer finance takes shape
Economic recovery fuels payment transactions
Mobile payment options increase amid digitalisation push
Competitive landscape becomes increasingly multi-layered behind new options
What next for financial cards and payments?
Table 1 Number of POS Terminals: Units 2016-2021
Table 2 Number of ATMs: Units 2016-2021
Table 3 Value Lost to Fraud 2016-2021
Table 4 Card Expenditure by Location 2021
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2016-2021
Table 6 Domestic versus Foreign Spend 2021
Table 7 Financial Cards by Category: Number of Cards in Circulation 2016-2021
Table 8 Financial Cards by Category: Number of Accounts 2016-2021
Table 9 Financial Cards Transactions by Category: Value 2016-2021
Table 10 Financial Cards by Category: Number of Transactions 2016-2021
Table 11 Consumer Payments by Category: Value 2016-2021
Table 12 Consumer Payments by Category: Number of Transactions 2016-2021
Table 13 M-Commerce by Category: Value 2016-2021
Table 14 M-Commerce by Category: % Value Growth 2016-2021
Table 15 Financial Cards: Number of Cards by Issuer 2016-2020
Table 16 Financial Cards: Number of Cards by Operator 2016-2020
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2016-2020
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2016-2020
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2021-2026
Table 20 Forecast Financial Cards by Category: Number of Accounts 2021-2026
Table 21 Forecast Financial Cards Transactions by Category: Value 2021-2026
Table 22 Forecast Financial Cards by Category: Number of Transactions 2021-2026
Table 23 Forecast Consumer Payments by Category: Value 2021-2026
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2021-2026
Table 25 Forecast M-Commerce by Category: Value 2021-2026
Table 26 Forecast M-Commerce by Category: % Value Growth 2021-2026

DISCLAIMER

Summary 1 Research Sources

Charge Cards in Germany - Category analysis

KEY DATA FINDINGS

Pandemic continues to fuel more frequent use of charge cards in Germany
Mastercard to improve competitive position with exclusive Deutsche Bank partnership
E-commerce consumers feel the impact of PSD2 coming into full effect in 2021
Charge cards in a strong position to benefit from overall shift towards card payments
Charge cards to remain distant second to debit cards
Emergence of non-girocard debit cards provides potential growth risk
Table 27 Charge Cards: Number of Cards in Circulation 2016-2021
Table 28 Charge Cards Transactions 2016-2021
Table 29 Charge Cards in Circulation: % Growth 2016-2021
Table 30 Charge Cards Transactions: % Growth 2016-2021
Table 31 Commercial Charge Cards: Number of Cards in Circulation 2016-2021
Table 32 Commercial Charge Cards Transactions 2016-2021
Table 33 Commercial Charge Cards in Circulation: % Growth 2016-2021
Table 34 Commercial Charge Cards Transactions: % Growth 2016-2021
Table 35 Personal Charge Cards: Number of Cards in Circulation 2016-2021
Table 36 Personal Charge Cards Transactions 2016-2021
Table 37 Personal Charge Cards in Circulation: % Growth 2016-2021
Table 38 Personal Charge Cards Transactions: % Growth 2016-2021
Table 39 Charge Cards: Number of Cards by Issuer 2016-2020
Table 40 Charge Cards: Number of Cards by Operator 2016-2020
Table 41 Charge Cards Payment Transaction Value by Issuer 2016-2020
Table 42 Charge Cards Payment Transaction Value by Operator 2016-2020
Table 43 Commercial Charge Cards: Number of Cards by Issuer 2016-2020
Table 44 Commercial Charge Cards: Number of Cards by Operator 2016-2020
Table 45 Commercial Charge Cards Payment Transaction Value by Issuer 2016-2020
Table 46 Commercial Charge Cards Payment Transaction Value by Operator 2016-2020
Table 47 Personal Charge Cards: Number of Cards by Issuer 2016-2020
Table 48 Personal Charge Cards: Number of Cards by Operator 2016-2020
Table 49 Personal Charge Cards Transaction Value by Issuer 2016-2020
Table 50 Personal Charge Cards Transaction Value by Operator 2016-2020
Table 51 Forecast Charge Cards: Number of Cards in Circulation 2021-2026
Table 52 Forecast Charge Cards Transactions 2021-2026
Table 53 Forecast Charge Cards in Circulation: % Growth 2021-2026
Table 54 Forecast Charge Cards Transactions: % Growth 2021-2026
Table 55 Forecast Commercial Charge Cards: Number of Cards in Circulation 2021-2026
Table 56 Forecast Commercial Charge Cards Transactions 2021-2026
Table 57 Forecast Commercial Charge Cards in Circulation: % Growth 2021-2026
Table 58 Forecast Commercial Charge Cards Transactions: % Growth 2021-2026
Table 59 Forecast Personal Charge Cards: Number of Cards in Circulation 2021-2026
Table 60 Forecast Personal Charge Cards Transactions 2021-2026
Table 61 Forecast Personal Charge Cards in Circulation: % Growth 2021-2026
Table 62 Forecast Personal Charge Cards Transactions: % Growth 2021-2026

Credit Cards in Germany - Category analysis

KEY DATA FINDINGS

Credit cards benefit from long-term shift in payment behaviour
Reluctance largely persists among consumers and issuers due to debt aversion
Benefits of co-branding fuel consumer interest in credit cards
Credit cards poised to lose share to other payment cards despite rising adoption
Scepticism towards “pay later” approach will remain a huge obstacle for credit cards
Additional services attached to credit cards to remain as unique selling point
Table 63 Credit Cards: Number of Cards in Circulation 2016-2021
Table 64 Credit Cards Transactions 2016-2021
Table 65 Credit Cards in Circulation: % Growth 2016-2021
Table 66 Credit Cards Transactions: % Growth 2016-2021
Table 67 Personal Credit Cards: Number of Cards in Circulation 2016-2021
Table 68 Personal Credit Cards Transactions 2016-2021
Table 69 Personal Credit Cards in Circulation: % Growth 2016-2021
Table 70 Personal Credit Cards Transactions: % Growth 2016-2021
Table 71 Credit Cards: Number of Cards by Issuer 2016-2020
Table 72 Credit Cards: Number of Cards by Operator 2016-2020
Table 73 Credit Cards Payment Transaction Value by Issuer 2016-2020
Table 74 Credit Cards Payment Transaction Value by Operator 2016-2020
Table 75 Commercial Credit Cards: Number of Cards by Issuer 2016-2020
Table 76 Personal Credit Cards: Number of Cards by Issuer 2016-2020
Table 77 Personal Credit Cards: Number of Cards by Operator 2016-2020
Table 78 Personal Credit Cards Payment Transaction Value by Issuer 2016-2020
Table 79 Personal Credit Cards Payment Transaction Value by Operator 2016-2020
Table 80 Forecast Credit Cards: Number of Cards in Circulation 2021-2026
Table 81 Forecast Credit Cards Transactions 2021-2026
Table 82 Forecast Credit Cards in Circulation: % Growth 2021-2026
Table 83 Forecast Credit Cards Transactions: % Growth 2021-2026
Table 84 Forecast Personal Credit Cards: Number of Cards in Circulation 2021-2026
Table 85 Forecast Personal Credit Cards Transactions 2021-2026
Table 86 Forecast Personal Credit Cards in Circulation: % Growth 2021-2026
Table 87 Forecast Personal Credit Cards Transactions: % Growth 2021-2026

Debit Cards in Germany - Category analysis

KEY DATA FINDINGS

Debit cards benefits from changing payment behaviour with further move away from cash
Surge in contactless payments propels debit card use
Dominant girocard faces growing competition amid increasing card usage
Further growth will see debit cards overtake cash as primary payment choice
Share of girocard within debit cards expected to decline
Growing shift towards digital payments poses future risk for debit cards
Table 88 Debit Cards: Number of Cards in Circulation 2016-2021
Table 89 Debit Cards Transactions 2016-2021
Table 90 Debit Cards in Circulation: % Growth 2016-2021
Table 91 Debit Cards Transactions: % Growth 2016-2021
Table 92 Debit Cards: Number of Cards by Issuer 2016-2020
Table 93 Debit Cards: Number of Cards by Operator 2016-2020
Table 94 Debit Cards Payment Transaction Value by Issuer 2016-2020
Table 95 Debit Cards Payment Transaction Value by Operator 2016-2020
Table 96 Forecast Debit Cards: Number of Cards in Circulation 2021-2026
Table 97 Forecast Debit Cards Transactions 2021-2026
Table 98 Forecast Debit Cards in Circulation: % Growth 2021-2026
Table 99 Forecast Debit Cards Transactions: % Growth 2021-2026

Pre-Paid Cards in Germany - Category analysis

KEY DATA FINDINGS

Pre-paid cards recovers after pandemic-related downturn
Closed loop pre-paid cards rebounds in 2021
Geldkarte nears its end as Mastercard and Visa grow within open loop pre-paid cards
Pre-paid cards to continue its upward trend, albeit remaining a niche
Final surge of Geldkarte and rising growth potential for eTicket
Mastercard and Visa have potential to fuel popularity of open loop pre-paid cards
Table 100 Pre-paid Cards: Number of Cards in Circulation 2016-2021
Table 101 Pre-paid Cards Transactions 2016-2021
Table 102 Pre-paid Cards in Circulation: % Growth 2016-2021
Table 103 Pre-paid Cards Transactions: % Growth 2016-2021
Table 104 Closed Loop Pre-paid Cards Transactions 2016-2021
Table 105 Closed Loop Pre-paid Cards Transactions: % Growth 2016-2021
Table 106 Open Loop Pre-paid Cards Transactions 2016-2021
Table 107 Open Loop Pre-paid Cards Transactions: % Growth 2016-2021
Table 108 Pre-paid Cards: Number of Cards by Issuer 2016-2020
Table 109 Pre-paid Cards: Number of Cards by Operator 2016-2020
Table 110 Pre-paid Cards Transaction Value by Issuer 2016-2020
Table 111 Pre-paid Cards Transaction Value by Operator 2016-2020
Table 112 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2016-2020
Table 113 Closed Loop Pre-paid Cards: Number of Cards by Operator 2016-2020
Table 114 Closed Loop Pre-paid Cards Transaction Value by Issuer 2016-2020
Table 115 Closed Loop Pre-paid Cards Transaction Value by Operator 2016-2020
Table 116 Open Loop Pre-paid Cards: Number of Cards by Issuer 2016-2020
Table 117 Open Loop Pre-paid Cards: Number of Cards by Operator 2016-2020
Table 118 Open Loop Pre-paid Cards Transaction Value by Issuer 2016-2020
Table 119 Open Loop Pre-paid Cards Transaction Value by Operator 2016-2020
Table 120 Forecast Pre-paid Cards: Number of Cards in Circulation 2021-2026
Table 121 Forecast Pre-paid Cards Transactions 2021-2026
Table 122 Forecast Pre-paid Cards in Circulation: % Growth 2021-2026
Table 123 Forecast Pre-paid Cards Transactions: % Growth 2021-2026
Table 124 Forecast Closed Loop Pre-paid Cards Transactions 2021-2026
Table 125 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2021-2026
Table 126 Forecast Open Loop Pre-paid Cards Transactions 2021-2026
Table 127 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2021-2026

Store Cards in Germany - Category analysis

KEY DATA FINDINGS

Lack of recovery in 2021 underlines accelerating decline of store cards
Various alternatives place growing pressure on store cards
Consumer interest continues to diminish amid contactless surge
Store cards to remain on downward trend as consumers turn to other options
Accelerating pace of innovation in payments worsens store cards’ prospects
Store cards requires revamp to remain competitive
Table 128 Store Cards: Number of Cards in Circulation 2016-2021
Table 129 Store Cards Transactions 2016-2021
Table 130 Store Cards in Circulation: % Growth 2016-2021
Table 131 Store Cards Transactions: % Growth 2016-2021
Table 132 Store Cards: Number of Cards by Issuer 2016-2020
Table 133 Store Cards: Payment Transaction Value by Issuer 2016-2020
Table 134 Forecast Store Cards: Number of Cards in Circulation 2021-2026
Table 135 Forecast Store Cards Transactions 2021-2026
Table 136 Forecast Store Cards in Circulation: % Growth 2021-2026
Table 137 Forecast Store Cards Transactions: % Growth 2021-2026
The following categories and subcategories are included:

Financial Cards and Payments

    • ATM Cards
      • Commercial Charge Cards
      • Personal Charge Cards
      • Commercial Credit Cards
      • Personal Credit Cards
      • Commercial Debit Cards
      • Personal Debit Cards
      • Closed Loop Pre-Paid Cards
      • Open Loop Pre-Paid Cards
    • Store Cards
      • Commercial Card Payment Transactions
      • Commercial Electronic Direct/ACH Transactions
      • Commercial Paper Payment Transactions
      • Personal Card Payment Transactions
      • Personal Electronic Direct/ACH Transactions
      • Personal Paper Payment Transactions
        • Commercial Electronic Direct/ACH Transactions
        • Personal Electronic Direct/ACH Transactions
          • Commercial Cash Transactions
          • Commercial Other Paper Transactions
          • Personal Cash Transactions
          • Personal Other Paper Transactions
      • Mobile M-Commerce Proximity
      • Mobile M-Commerce Remote
    • Tablet M-Commerce
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This report originates from Passport, our Financial Cards and Payments research and analysis database.

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