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Country Report

Financial Cards and Payments in

Financial Cards and Payments in Germany

53 pages, Oct 2019

US$2,100

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Executive Summary

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Financial cards remain on a strong upward trend in Germany

In 2019, financial cards in Germany continued to post strong growth in terms of transaction volume and value. This was again largely due to debit cards, the most important financial card in terms of consumer trust, cards in circulation and transactions.

Massive shift in the German payment landscape continues in 2019

The German payment landscape continued to register a strong shift towards card payments in 2019. In a traditionally cash-dominant economy, card payments have now recorded considerable growth in transaction volume and value for two years in a row.

Electronic payments dominate payment value

Aside from cash prevalence, another unique aspect of Germany’s consumer payment landscape is the popularity of electronic payments, contributing to the biggest chunk of the payment value, much more so than elsewhere in Europe. Electronic payments are popular in Germany, seen as a secure and convenient way to make payments for relatively large sums.

Competition among operators and issuers intensifies as card usage increases

In 2018, the leading issuers in financial cards remained the German Savings Banks Association (DSGV), followed by the National Association of Cooperative Banks (BVR) based on their dominant presence in Germany. In addition, banks from both associations have made sure they do not lag behind regarding the latest digital innovations including mobile payments and contactless technology while leading retail banks such as Deutsche Bank initiated significant marketing campaigns to promote their digital leadership in the field.

With shift expected to be permanent, future growth potential remains strong

Over the forecast period, financial cards in Germany are expected to remain on an upward trend in terms of transaction volume and value as well as cards in circulation. Additional growth in the number of POS card terminals and an ongoing increase in contactless payment cards will provide the technological foundation for further card payments growth, while changing consumer attitudes towards card payments facilitate a permanent shift away from cash.

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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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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

Financial cards remain on a strong upward trend in Germany

Massive shift in the German payment landscape continues in 2019

Electronic payments dominate payment value

Competition among operators and issuers intensifies as card usage increases

With shift expected to be permanent, future growth potential remains strong

MARKET INDICATORS

Table 1 Number of POS Terminals: Units 2014-2019
Table 2 Number of ATMs: Units 2014-2019
Table 3 Value Lost to Fraud 2014-2019
Table 4 Card Expenditure by Location 2019
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2014-2019
Table 6 Domestic versus Foreign Spend 2019

MARKET DATA

Table 7 Financial Cards by Category: Number of Cards in Circulation 2014-2019
Table 8 Financial Cards by Category: Number of Accounts 2014-2019
Table 9 Financial Cards Transactions by Category: Value 2014-2019
Table 10 Financial Cards by Category: Number of Transactions 2014-2019
Table 11 Consumer Payments by Category: Value 2014-2019
Table 12 Consumer Payments by Category: Number of Transactions 2014-2019
Table 13 M-Commerce by Category: Value 2014-2019
Table 14 M-Commerce by Category: % Value Growth 2014-2019
Table 15 Financial Cards: Number of Cards by Issuer 2014-2018
Table 16 Financial Cards: Number of Cards by Operator 2014-2018
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2014-2018
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2014-2018
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2019-2024
Table 20 Forecast Financial Cards by Category: Number of Accounts 2019-2024
Table 21 Forecast Financial Cards Transactions by Category: Value 2019-2024
Table 22 Forecast Financial Cards by Category: Number of Transactions 2019-2024
Table 23 Forecast Consumer Payments by Category: Value 2019-2024
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2019-2024
Table 25 Forecast M-Commerce by Category: Value 2019-2024
Table 26 Forecast M-Commerce by Category: % Value Growth 2019-2024

SOURCES

Summary 1 Research Sources

Charge Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Charge cards see growing significance among consumers

Usage remains relatively low as acceptances increases

Charge cards likely to face increasing competition from emerging debit cards

COMPETITIVE LANDSCAPE

Visa expected to overtake Mastercard in terms of cards in circulation

Cooperative and savings banks expand lead in cards issued

AirPlus remains dominant in commercial charge cards

CATEGORY DATA

Table 27 Charge Cards: Number of Cards in Circulation 2014-2019
Table 28 Charge Cards Transactions 2014-2019
Table 29 Charge Cards in Circulation: % Growth 2014-2019
Table 30 Charge Cards Transactions: % Growth 2014-2019
Table 31 Commercial Charge Cards: Number of Cards in Circulation 2014-2019
Table 32 Commercial Charge Cards Transactions 2014-2019
Table 33 Commercial Charge Cards in Circulation: % Growth 2014-2019
Table 34 Commercial Charge Cards Transactions: % Growth 2014-2019
Table 35 Personal Charge Cards: Number of Cards in Circulation 2014-2019
Table 36 Personal Charge Cards Transactions 2014-2019
Table 37 Personal Charge Cards in Circulation: % Growth 2014-2019
Table 38 Personal Charge Cards Transactions: % Growth 2014-2019
Table 39 Charge Cards: Number of Cards by Issuer 2014-2018
Table 40 Charge Cards: Number of Cards by Operator 2014-2018
Table 41 Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 42 Charge Cards Payment Transaction Value by Operator 2014-2018
Table 43 Commercial Charge Cards: Number of Cards by Issuer 2014-2018
Table 44 Commercial Charge Cards: Number of Cards by Operator 2014-2018
Table 45 Commercial Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 46 Commercial Charge Cards Payment Transaction Value by Operator 2014-2018
Table 47 Personal Charge Cards: Number of Cards by Issuer 2014-2018
Table 48 Personal Charge Cards: Number of Cards by Operator 2014-2018
Table 49 Personal Charge Cards Transaction Value by Issuer 2014-2018
Table 50 Personal Charge Cards Transaction Value by Operator 2014-2018
Table 51 Forecast Charge Cards: Number of Cards in Circulation 2019-2024
Table 52 Forecast Charge Cards Transactions 2019-2024
Table 53 Forecast Charge Cards in Circulation: % Growth 2019-2024
Table 54 Forecast Charge Cards Transactions: % Growth 2019-2024
Table 55 Forecast Commercial Charge Cards: Number of Cards in Circulation 2019-2024
Table 56 Forecast Commercial Charge Cards Transactions 2019-2024
Table 57 Forecast Commercial Charge Cards in Circulation: % Growth 2019-2024
Table 58 Forecast Commercial Charge Cards Transactions: % Growth 2019-2024
Table 59 Forecast Personal Charge Cards: Number of Cards in Circulation 2019-2024
Table 60 Forecast Personal Charge Cards Transactions 2019-2024
Table 61 Forecast Personal Charge Cards in Circulation: % Growth 2019-2024
Table 62 Forecast Personal Charge Cards Transactions: % Growth 2019-2024

Credit Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Growing interest in financial cards fuels credit cards

Credit cards expected to remain niche product despite upward trend

Recent regulations expected to have contrary effects on usage

COMPETITIVE LANDSCAPE

Barclays remains uncontested leader in credit cards

Amazon introduces new credit card in Germany

CATEGORY DATA

Table 63 Credit Cards: Number of Cards in Circulation 2014-2019
Table 64 Credit Cards Transactions 2014-2019
Table 65 Credit Cards in Circulation: % Growth 2014-2019
Table 66 Credit Cards Transactions: % Growth 2014-2019
Table 67 Personal Credit Cards: Number of Cards in Circulation 2014-2019
Table 68 Personal Credit Cards Transactions 2014-2019
Table 69 Personal Credit Cards in Circulation: % Growth 2014-2019
Table 70 Personal Credit Cards Transactions: % Growth 2014-2019
Table 71 Credit Cards: Number of Cards by Issuer 2014-2018
Table 72 Credit Cards: Number of Cards by Operator 2014-2018
Table 73 Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 74 Credit Cards Payment Transaction Value by Operator 2014-2018
Table 75 Personal Credit Cards: Number of Cards by Issuer 2014-2018
Table 76 Personal Credit Cards: Number of Cards by Operator 2014-2018
Table 77 Personal Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 78 Personal Credit Cards Payment Transaction Value by Operator 2014-2018
Table 79 Forecast Credit Cards: Number of Cards in Circulation 2019-2024
Table 80 Forecast Credit Cards Transactions 2019-2024
Table 81 Forecast Credit Cards in Circulation: % Growth 2019-2024
Table 82 Forecast Credit Cards Transactions: % Growth 2019-2024
Table 83 Forecast Personal Credit Cards: Number of Cards in Circulation 2019-2024
Table 84 Forecast Personal Credit Cards Transactions 2019-2024
Table 85 Forecast Personal Credit Cards in Circulation: % Growth 2019-2024
Table 86 Forecast Personal Credit Cards Transactions: % Growth 2019-2024

Debit Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Rise of contactless payments boosts transaction volume and value

Strong upward trend in transactions expected to continue

Flat development expected for debit cards in circulation

COMPETITIVE LANDSCAPE

Girocard expected to face increasing competition

Cooperative and savings banks by far the leading issuers of debit cards

CATEGORY DATA

Table 87 Debit Cards: Number of Cards in Circulation 2014-2019
Table 88 Debit Cards Transactions 2014-2019
Table 89 Debit Cards in Circulation: % Growth 2014-2019
Table 90 Debit Cards Transactions: % Growth 2014-2019
Table 91 Debit Cards: Number of Cards by Issuer 2014-2018
Table 92 Debit Cards: Number of Cards by Operator 2014-2018
Table 93 Debit Cards Payment Transaction Value by Issuer 2014-2018
Table 94 Debit Cards Payment Transaction Value by Operator 2014-2018
Table 95 Forecast Debit Cards: Number of Cards in Circulation 2019-2024
Table 96 Forecast Debit Cards Transactions 2019-2024
Table 97 Forecast Debit Cards in Circulation: % Growth 2019-2024
Table 98 Forecast Debit Cards Transactions: % Growth 2019-2024

Pre-Paid Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Open loop pre-paid cards expected to continue ongoing downward trend

Closed loop pre-paid cards driven by transportation and gift cards

Rise of contactless payments expected to impact pre-paid cards

COMPETITIVE LANDSCAPE

Closed loop leader eticket Deutschland with further growth potential

Major on- and offline retailers lead gift cards

Mastercard and Visa compete for lead among open loop pre-paid operators

CATEGORY DATA

Table 99 Pre-paid Cards: Number of Cards in Circulation 2014-2019
Table 100 Pre-paid Cards Transactions 2014-2019
Table 101 Pre-paid Cards in Circulation: % Growth 2014-2019
Table 102 Pre-paid Cards Transactions: % Growth 2014-2019
Table 103 Closed Loop Pre-paid Cards Transactions 2014-2019
Table 104 Closed Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 105 Open Loop Pre-paid Cards Transactions 2014-2019
Table 106 Open Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 107 Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 108 Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 109 Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 110 Pre-paid Cards Transaction Value by Operator 2014-2018
Table 111 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 112 Closed Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 113 Closed Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 114 Closed Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 115 Open Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 116 Open Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 117 Open Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 118 Open Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 119 Forecast Pre-paid Cards: Number of Cards in Circulation 2019-2024
Table 120 Forecast Pre-paid Cards Transactions 2019-2024
Table 121 Forecast Pre-paid Cards in Circulation: % Growth 2019-2024
Table 122 Forecast Pre-paid Cards Transactions: % Growth 2019-2024
Table 123 Forecast Closed Loop Pre-paid Cards Transactions 2019-2024
Table 124 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 125 Forecast Open Loop Pre-paid Cards Transactions 2019-2024
Table 126 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2019-2024

Store Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Store cards continues downward trend

In-app payment solutions gradually replace traditional store cards

The rise of other card payments negatively impacts store cards further

COMPETITIVE LANDSCAPE

IKEA FAMILY Bezahlkarte to be increasingly replaced by new IKEA credit card

Digital store cards by Douglas and Breuninger expected to see increasing use

CATEGORY DATA

Table 127 Store Cards: Number of Cards in Circulation 2014-2019
Table 128 Store Cards Transactions 2014-2019
Table 129 Store Cards in Circulation: % Growth 2014-2019
Table 130 Store Cards Transactions: % Growth 2014-2019
Table 131 Store Cards: Number of Cards by Issuer 2014-2018
Table 132 Store Cards: Payment Transaction Value by Issuer 2014-2018
Table 133 Forecast Store Cards: Number of Cards in Circulation 2019-2024
Table 134 Forecast Store Cards Transactions 2019-2024
Table 135 Forecast Store Cards in Circulation: % Growth 2019-2024
Table 136 Forecast Store Cards Transactions: % Growth 2019-2024

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Megatrends

Country Report

Financial Cards and Payments in Germany

New Report Guarantee

Executive Summary

New Report Guarantee

Financial cards remain on a strong upward trend in Germany

Massive shift in the German payment landscape continues in 2019

Electronic payments dominate payment value

Competition among operators and issuers intensifies as card usage increases

With shift expected to be permanent, future growth potential remains strong

Overview

Why buy this report?

Samples (FAQs about samples):

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Table of Contents

Financial Cards and Payments in Germany - Industry Overview

EXECUTIVE SUMMARY

Financial cards remain on a strong upward trend in Germany

Massive shift in the German payment landscape continues in 2019

Electronic payments dominate payment value

Competition among operators and issuers intensifies as card usage increases

With shift expected to be permanent, future growth potential remains strong

MARKET INDICATORS

MARKET DATA

SOURCES

Charge Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Charge cards see growing significance among consumers

Usage remains relatively low as acceptances increases

Charge cards likely to face increasing competition from emerging debit cards

COMPETITIVE LANDSCAPE

Visa expected to overtake Mastercard in terms of cards in circulation

Cooperative and savings banks expand lead in cards issued

AirPlus remains dominant in commercial charge cards

CATEGORY DATA

Credit Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Growing interest in financial cards fuels credit cards

Credit cards expected to remain niche product despite upward trend

Recent regulations expected to have contrary effects on usage

COMPETITIVE LANDSCAPE

Barclays remains uncontested leader in credit cards

Amazon introduces new credit card in Germany

CATEGORY DATA

Debit Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Rise of contactless payments boosts transaction volume and value

Strong upward trend in transactions expected to continue

Flat development expected for debit cards in circulation

COMPETITIVE LANDSCAPE

Girocard expected to face increasing competition

Cooperative and savings banks by far the leading issuers of debit cards

CATEGORY DATA

Pre-Paid Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Open loop pre-paid cards expected to continue ongoing downward trend

Closed loop pre-paid cards driven by transportation and gift cards

Rise of contactless payments expected to impact pre-paid cards

COMPETITIVE LANDSCAPE

Closed loop leader eticket Deutschland with further growth potential

Major on- and offline retailers lead gift cards

Mastercard and Visa compete for lead among open loop pre-paid operators

CATEGORY DATA

Store Cards in Germany - Category analysis

HEADLINES

PROSPECTS

Store cards continues downward trend

In-app payment solutions gradually replace traditional store cards

The rise of other card payments negatively impacts store cards further

COMPETITIVE LANDSCAPE

IKEA FAMILY Bezahlkarte to be increasingly replaced by new IKEA credit card

Digital store cards by Douglas and Breuninger expected to see increasing use

CATEGORY DATA

Why buy this report?

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