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Country Report

Financial Cards and Payments in

Financial Cards and Payments in Germany

52 pages, Nov 2018

US$2,100

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Executive Summary

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If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

Robust economy fuels transaction value growth

A robust economy, rising disposable incomes and strong consumer confidence all supported the transaction value and volume growth of financial cards in Germany in 2018. German consumers showed themselves to be willing to spend their money, increasingly using cards instead of cash.

Charge cards and credit cards on the rise

Card payments continued to flourish in Germany in 2018 thanks to growing merchant acceptance, their convenience and increasing consumer trust in their security as well as new technologies. Despite the strong position of debit cards in Germany and their widespread use across the country, charge cards and credit cards in particular recorded the strongest performances in 2018 as merchant acceptance increased considerably.

Contactless payment transactions pick up pace

Contactless payments via debit, charge or credit card continued to increase in Germany in 2018. After initial scepticism among traditionally cautious German consumers, the use of this new technology is picking up as consumers have recognised the convenience, speed and security offered by this payment method.

Direct banks continue to grow

Direct banks such as DiBa, Comdirect Bank and Deutsche Kreditbank continued to see a rapid increase in their consumer base in 2018 thanks to offering current accounts free of charge and a more modern innovative approach to banking. In contrast, the two large banking associations DSGV and BVR are closing branches and cutting costs, as are private banks such as Deutsche Bank.

Financial cards to be the preferred future payment method

Financial cards undoubtedly played a significant role in German consumer payments over the review period, although having only recently grown to account for more than half of German value transactions. Over the forecast period card payments will continue to outpace cash and become a more prominent payment method than currently.

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Overview

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Overview

Discover the latest market trends and uncover sources of future market growth for the Financial Cards and Payments industry in Germany 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 Financial Cards and Payments industry in Germany, our research will save you time and money while empowering you to make informed, profitable decisions.

The Financial Cards and Payments in Germany market research report includes:

Analysis of key supply-side and demand trends
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 Financial Cards and Payments in Germany?
What are the major operators and issuers in Germany?
How will regulation impact the market?
What is the current state of emerging payment technologies such as mobile commerce?

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 Financial Cards and Payments in Germany, originate from our database within our Consumer Finance market share and market size database, Passport, a platform which analyses Consumer Finance in 46 countries and globally.

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Financial Cards and Payments in Germany - Industry Overview

EXECUTIVE SUMMARY

Robust economy fuels transaction value growth

Charge cards and credit cards on the rise

Contactless payment transactions pick up pace

Direct banks continue to grow

Financial cards to be the preferred future payment method

MARKET INDICATORS

Table 1 Number of POS Terminals: Units 2013-2018
Table 2 Number of ATMs: Units 2013-2018
Table 3 Value Lost to Fraud 2013-2018
Table 4 Card Expenditure by Location 2017
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2013-2018
Table 6 Domestic versus Foreign Spend 2018

MARKET DATA

Table 7 Financial Cards by Category: Number of Cards in Circulation 2013-2018
Table 8 Financial Cards by Category: Number of Accounts 2013-2018
Table 9 Financial Cards Transactions by Category: Value 2013-2018
Table 10 Financial Cards by Category: Number of Transactions 2013-2018
Table 11 Consumer Payments by Category: Value 2013-2018
Table 12 Consumer Payments by Category: Number of Transactions 2013-2018
Table 13 M-Commerce by Category: Value 2013-2018
Table 14 M-Commerce by Category: % Value Growth 2013-2018
Table 15 Financial Cards: Number of Cards by Issuer 2013-2017
Table 16 Financial Cards: Number of Cards by Operator 2013-2017
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2013-2017
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2013-2017
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 20 Forecast Financial Cards by Category: Number of Accounts 2018-2023
Table 21 Forecast Financial Cards Transactions by Category: Value 2018-2023
Table 22 Forecast Financial Cards by Category: Number of Transactions 2018-2023
Table 23 Forecast Consumer Payments by Category: Value 2018-2023
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2018-2023
Table 25 Forecast M-Commerce by Category: Value 2018-2023
Table 26 Forecast M-Commerce by Category: % Value Growth 2018-2023

SOURCES

Summary 1 Research Sources

Charge Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Germans expected to increase charge card usage

EU ban on card charges to support transaction growth

Readiness for contactless and mobile payments increases

COMPETITIVE LANDSCAPE

Savings and cooperative banks lead the way in terms of cards in circulation

Lufthansa AirPlus Servicekarten the most popular commercial charge card

CATEGORY DATA

Table 27 Charge Cards: Number of Cards in Circulation 2013-2018
Table 28 Charge Cards Transactions 2013-2018
Table 29 Charge Cards in Circulation: % Growth 2013-2018
Table 30 Charge Cards Transactions: % Growth 2013-2018
Table 31 Commercial Charge Cards: Number of Cards in Circulation 2013-2018
Table 32 Commercial Charge Cards Transactions 2013-2018
Table 33 Commercial Charge Cards in Circulation: % Growth 2013-2018
Table 34 Commercial Charge Cards Transactions: % Growth 2013-2018
Table 35 Personal Charge Cards: Number of Cards in Circulation 2013-2018
Table 36 Personal Charge Cards Transactions 2013-2018
Table 37 Personal Charge Cards in Circulation: % Growth 2013-2018
Table 38 Personal Charge Cards Transactions: % Growth 2013-2018
Table 39 Charge Cards: Number of Cards by Issuer 2013-2017
Table 40 Charge Cards: Number of Cards by Operator 2013-2017
Table 41 Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 42 Charge Cards Payment Transaction Value by Operator 2013-2017
Table 43 Commercial Charge Cards: Number of Cards by Issuer 2013-2017
Table 44 Commercial Charge Cards: Number of Cards by Operator 2013-2017
Table 45 Commercial Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 46 Commercial Charge Cards Payment Transaction Value by Operator 2013-2017
Table 47 Personal Charge Cards: Number of Cards by Issuer 2013-2017
Table 48 Personal Charge Cards: Number of Cards by Operator 2013-2017
Table 49 Personal Charge Cards Transaction Value by Issuer 2013-2017
Table 50 Personal Charge Cards Transaction Value by Operator 2013-2017
Table 51 Forecast Charge Cards: Number of Cards in Circulation 2018-2023
Table 52 Forecast Charge Cards Transactions 2018-2023
Table 53 Forecast Charge Cards in Circulation: % Growth 2018-2023
Table 54 Forecast Charge Cards Transactions: % Growth 2018-2023
Table 55 Forecast Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 56 Forecast Commercial Charge Cards Transactions 2018-2023
Table 57 Forecast Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 58 Forecast Commercial Charge Cards Transactions: % Growth 2018-2023
Table 59 Forecast Personal Charge Cards: Number of Cards in Circulation 2018-2023
Table 60 Forecast Personal Charge Cards Transactions 2018-2023
Table 61 Forecast Personal Charge Cards in Circulation: % Growth 2018-2023
Table 62 Forecast Personal Charge Cards Transactions: % Growth 2018-2023

Credit Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Credit cards the best performing financial card in 2018

Transaction volume growth outpaces value growth

Rising e-commerce and merchant acceptance to further boost credit card transactions

COMPETITIVE LANDSCAPE

Mastercard remains the leading card operator

Barclays is the leading issuer

Targobank loses ground

CATEGORY DATA

Table 63 Credit Cards: Number of Cards in Circulation 2013-2018
Table 64 Credit Cards Transactions 2013-2018
Table 65 Credit Cards in Circulation: % Growth 2013-2018
Table 66 Credit Cards Transactions: % Growth 2013-2018
Table 67 Personal Credit Cards: Number of Cards in Circulation 2013-2018
Table 68 Personal Credit Cards Transactions 2013-2018
Table 69 Personal Credit Cards in Circulation: % Growth 2013-2018
Table 70 Personal Credit Cards Transactions: % Growth 2013-2018
Table 71 Credit Cards: Number of Cards by Issuer 2013-2017
Table 72 Credit Cards: Number of Cards by Operator 2013-2017
Table 73 Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 74 Credit Cards Payment Transaction Value by Operator 2013-2017
Table 75 Personal Credit Cards: Number of Cards by Issuer 2013-2017
Table 76 Personal Credit Cards: Number of Cards by Operator 2013-2017
Table 77 Personal Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 78 Personal Credit Cards Payment Transaction Value by Operator 2013-2017
Table 79 Forecast Credit Cards: Number of Cards in Circulation 2018-2023
Table 80 Forecast Credit Cards Transactions 2018-2023
Table 81 Forecast Credit Cards in Circulation: % Growth 2018-2023
Table 82 Forecast Credit Cards Transactions: % Growth 2018-2023
Table 83 Forecast Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 84 Forecast Personal Credit Cards Transactions 2018-2023
Table 85 Forecast Personal Credit Cards in Circulation: % Growth 2018-2023
Table 86 Forecast Personal Credit Cards Transactions: % Growth 2018-2023

Debit Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Debit cards set to continue to dominate card payment transactions

Average spend per transaction expected to fall

Number of debit cards in circulation to reach saturation

COMPETITIVE LANDSCAPE

Traditional savings banks continue to lead debit cards

Direct banks record the strongest growth

CATEGORY DATA

Table 87 Debit Cards: Number of Cards in Circulation 2013-2018
Table 88 Debit Cards Transactions 2013-2018
Table 89 Debit Cards in Circulation: % Growth 2013-2018
Table 90 Debit Cards Transactions: % Growth 2013-2018
Table 91 Debit Cards: Number of Cards by Issuer 2013-2017
Table 92 Debit Cards: Number of Cards by Operator 2013-2017
Table 93 Debit Cards Payment Transaction Value by Issuer 2013-2017
Table 94 Debit Cards Payment Transaction Value by Operator 2013-2017
Table 95 Forecast Debit Cards: Number of Cards in Circulation 2018-2023
Table 96 Forecast Debit Cards Transactions 2018-2023
Table 97 Forecast Debit Cards in Circulation: % Growth 2018-2023
Table 98 Forecast Debit Cards Transactions: % Growth 2018-2023

Pre-Paid Cards in Germany - Category analysis

HEADLINES

PROSPECTS

eTicket Deutschland expected to post the strongest growth

Merchant issued gift cards continue to grow

Different forecast for closed loop and open loop pre-paid cards

COMPETITIVE LANDSCAPE

BVR stops issuing GeldKarte

Gift cards remains a very fragmented category

Open loop pre-paid cards led by Wirecard, Schwäbische and Landesbank

CATEGORY DATA

Table 99 Pre-paid Cards: Number of Cards in Circulation 2013-2018
Table 100 Pre-paid Cards Transactions 2013-2018
Table 101 Pre-paid Cards in Circulation: % Growth 2013-2018
Table 102 Pre-paid Cards Transactions: % Growth 2013-2018
Table 103 Closed Loop Pre-paid Cards Transactions 2013-2018
Table 104 Closed Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 105 Open Loop Pre-paid Cards Transactions 2013-2018
Table 106 Open Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 107 Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 108 Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 109 Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 110 Pre-paid Cards Transaction Value by Operator 2013-2017
Table 111 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 112 Closed Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 113 Closed Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 114 Closed Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 115 Open Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 116 Open Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 117 Open Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 118 Open Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 119 Forecast Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 120 Forecast Pre-paid Cards Transactions 2018-2023
Table 121 Forecast Pre-paid Cards in Circulation: % Growth 2018-2023
Table 122 Forecast Pre-paid Cards Transactions: % Growth 2018-2023
Table 123 Forecast Closed Loop Pre-paid Cards Transactions 2018-2023
Table 124 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 125 Forecast Open Loop Pre-paid Cards Transactions 2018-2023
Table 126 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2018-2023

Store Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Store cards losing out to charge, credit and debit cards

Germans want convenience and a limited number of cards to carry

Popularity of loyalty cards also hampers demand for store cards

COMPETITIVE LANDSCAPE

IKEA FAMILY Bezahlkarte and Douglas Card lead the way

Different strategies in store cards

CATEGORY DATA

Table 127 Store Cards: Number of Cards in Circulation 2013-2018
Table 128 Store Cards Transactions 2013-2018
Table 129 Store Cards in Circulation: % Growth 2013-2018
Table 130 Store Cards Transactions: % Growth 2013-2018
Table 131 Store Cards: Number of Cards by Issuer 2013-2017
Table 132 Store Cards: Payment Transaction Value by Issuer 2013-2017
Table 133 Forecast Store Cards: Number of Cards in Circulation 2018-2023
Table 134 Forecast Store Cards Transactions 2018-2023
Table 135 Forecast Store Cards in Circulation: % Growth 2018-2023
Table 136 Forecast Store Cards Transactions: % Growth 2018-2023

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Megatrends

Country Report

Financial Cards and Payments in Germany

New Report Guarantee

Executive Summary

New Report Guarantee

Robust economy fuels transaction value growth

Charge cards and credit cards on the rise

Contactless payment transactions pick up pace

Direct banks continue to grow

Financial cards to be the preferred future payment method

Overview

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Samples (FAQs about samples):

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Table of Contents

Financial Cards and Payments in Germany - Industry Overview

EXECUTIVE SUMMARY

Robust economy fuels transaction value growth

Charge cards and credit cards on the rise

Contactless payment transactions pick up pace

Direct banks continue to grow

Financial cards to be the preferred future payment method

MARKET INDICATORS

MARKET DATA

SOURCES

Charge Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Germans expected to increase charge card usage

EU ban on card charges to support transaction growth

Readiness for contactless and mobile payments increases

COMPETITIVE LANDSCAPE

Savings and cooperative banks lead the way in terms of cards in circulation

Lufthansa AirPlus Servicekarten the most popular commercial charge card

CATEGORY DATA

Credit Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Credit cards the best performing financial card in 2018

Transaction volume growth outpaces value growth

Rising e-commerce and merchant acceptance to further boost credit card transactions

COMPETITIVE LANDSCAPE

Mastercard remains the leading card operator

Barclays is the leading issuer

Targobank loses ground

CATEGORY DATA

Debit Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Debit cards set to continue to dominate card payment transactions

Average spend per transaction expected to fall

Number of debit cards in circulation to reach saturation

COMPETITIVE LANDSCAPE

Traditional savings banks continue to lead debit cards

Direct banks record the strongest growth

CATEGORY DATA

Pre-Paid Cards in Germany - Category analysis

HEADLINES

PROSPECTS

eTicket Deutschland expected to post the strongest growth

Merchant issued gift cards continue to grow

Different forecast for closed loop and open loop pre-paid cards

COMPETITIVE LANDSCAPE

BVR stops issuing GeldKarte

Gift cards remains a very fragmented category

Open loop pre-paid cards led by Wirecard, Schwäbische and Landesbank

CATEGORY DATA

Store Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Store cards losing out to charge, credit and debit cards

Germans want convenience and a limited number of cards to carry

Popularity of loyalty cards also hampers demand for store cards

COMPETITIVE LANDSCAPE

IKEA FAMILY Bezahlkarte and Douglas Card lead the way

Different strategies in store cards

CATEGORY DATA

Why buy this report?

Want to find out more about this report?