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Financial Cards and Payments in Germany

February 2023
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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 2022: The big picture
Within financial cards, all eyes turn to debit cards
Electronic payments fuelled by rapid innovation and consumer adoption
Shift away from cash intensifies competition within financial cards and payments
What next for financial cards and payments?
Table 1 Number of POS Terminals: Units 2017-2022
Table 2 Number of ATMs: Units 2017-2022
Table 3 Value Lost to Fraud 2017-2022
Table 4 Card Expenditure by Location 2022
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2017-2022
Table 6 Domestic versus Foreign Spend 2022
Table 7 Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 8 Financial Cards by Category: Number of Accounts 2017-2022
Table 9 Financial Cards Transactions by Category: Value 2017-2022
Table 10 Financial Cards by Category: Number of Transactions 2017-2022
Table 11 Consumer Payments by Category: Value 2017-2022
Table 12 Consumer Payments by Category: Number of Transactions 2017-2022
Table 13 M-Commerce by Category: Value 2017-2022
Table 14 M-Commerce by Category: % Value Growth 2017-2022
Table 15 Financial Cards: Number of Cards by Issuer 2017-2021
Table 16 Financial Cards: Number of Cards by Operator 2017-2021
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2017-2021
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2017-2021
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2022-2027
Table 20 Forecast Financial Cards by Category: Number of Accounts 2022-2027
Table 21 Forecast Financial Cards Transactions by Category: Value 2022-2027
Table 22 Forecast Financial Cards by Category: Number of Transactions 2022-2027
Table 23 Forecast Consumer Payments by Category: Value 2022-2027
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2022-2027
Table 25 Forecast M-Commerce by Category: Value 2022-2027
Table 26 Forecast M-Commerce by Category: % Value Growth 2022-2027

DISCLAIMER

Summary 1 Research Sources

Charge Cards in Germany - Category analysis

KEY DATA FINDINGS

Charge cards continues to recover from pandemic’s impact
Visa and Mastercard dominate an increasingly dynamic environment
New card strategy by international operators threatens charge cards
Charge cards offers further growth potential despite rising challenges
New card strategy by Visa and Mastercard will determine trajectory of charge cards
Emerging payment alternatives could dampen stronger growth opportunities
Table 27 Charge Cards: Number of Cards in Circulation 2017-2022
Table 28 Charge Cards Transactions 2017-2022
Table 29 Charge Cards in Circulation: % Growth 2017-2022
Table 30 Charge Cards Transactions: % Growth 2017-2022
Table 31 Commercial Charge Cards: Number of Cards in Circulation 2017-2022
Table 32 Commercial Charge Cards Transactions 2017-2022
Table 33 Commercial Charge Cards in Circulation: % Growth 2017-2022
Table 34 Commercial Charge Cards Transactions: % Growth 2017-2022
Table 35 Personal Charge Cards: Number of Cards in Circulation 2017-2022
Table 36 Personal Charge Cards Transactions 2017-2022
Table 37 Personal Charge Cards in Circulation: % Growth 2017-2022
Table 38 Personal Charge Cards Transactions: % Growth 2017-2022
Table 39 Charge Cards: Number of Cards by Issuer 2017-2021
Table 40 Charge Cards: Number of Cards by Operator 2017-2021
Table 41 Charge Cards Payment Transaction Value by Issuer 2017-2021
Table 42 Charge Cards Payment Transaction Value by Operator 2017-2021
Table 43 Commercial Charge Cards: Number of Cards by Issuer 2017-2021
Table 44 Commercial Charge Cards: Number of Cards by Operator 2017-2021
Table 45 Commercial Charge Cards Payment Transaction Value by Issuer 2017-2021
Table 46 Commercial Charge Cards Payment Transaction Value by Operator 2017-2021
Table 47 Personal Charge Cards: Number of Cards by Issuer 2017-2021
Table 48 Personal Charge Cards: Number of Cards by Operator 2017-2021
Table 49 Personal Charge Cards Transaction Value by Issuer 2017-2021
Table 50 Personal Charge Cards Transaction Value by Operator 2017-2021
Table 51 Forecast Charge Cards: Number of Cards in Circulation 2022-2027
Table 52 Forecast Charge Cards Transactions 2022-2027
Table 53 Forecast Charge Cards in Circulation: % Growth 2022-2027
Table 54 Forecast Charge Cards Transactions: % Growth 2022-2027
Table 55 Forecast Commercial Charge Cards: Number of Cards in Circulation 2022-2027
Table 56 Forecast Commercial Charge Cards Transactions 2022-2027
Table 57 Forecast Commercial Charge Cards in Circulation: % Growth 2022-2027
Table 58 Forecast Commercial Charge Cards Transactions: % Growth 2022-2027
Table 59 Forecast Personal Charge Cards: Number of Cards in Circulation 2022-2027
Table 60 Forecast Personal Charge Cards Transactions 2022-2027
Table 61 Forecast Personal Charge Cards in Circulation: % Growth 2022-2027
Table 62 Forecast Personal Charge Cards Transactions: % Growth 2022-2027

Credit Cards in Germany - Category analysis

KEY DATA FINDINGS

Limited benefits for credit cards with move away from cash
Co-branding strategy remains most effective amid declining credit card appeal
Buy Now Pay Later emerges as superior alternative to credit cards
Credit cards faces growing pressure in post-pandemic payment landscape
2023 launch of new credit card by DSGV might provide growth impulse
Buy Now Pay Later likely to present further threat to credit cards
Table 63 Credit Cards: Number of Cards in Circulation 2017-2022
Table 64 Credit Cards Transactions 2017-2022
Table 65 Credit Cards in Circulation: % Growth 2017-2022
Table 66 Credit Cards Transactions: % Growth 2017-2022
Table 67 Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 68 Personal Credit Cards Transactions 2017-2022
Table 69 Personal Credit Cards in Circulation: % Growth 2017-2022
Table 70 Personal Credit Cards Transactions: % Growth 2017-2022
Table 71 Credit Cards: Number of Cards by Issuer 2017-2021
Table 72 Credit Cards: Number of Cards by Operator 2017-2021
Table 73 Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 74 Credit Cards Payment Transaction Value by Operator 2017-2021
Table 75 Commercial Credit Cards: Number of Cards by Issuer 2017-2021
Table 76 Personal Credit Cards: Number of Cards by Issuer 2017-2021
Table 77 Personal Credit Cards: Number of Cards by Operator 2017-2021
Table 78 Personal Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 79 Personal Credit Cards Payment Transaction Value by Operator 2017-2021
Table 80 Forecast Credit Cards: Number of Cards in Circulation 2022-2027
Table 81 Forecast Credit Cards Transactions 2022-2027
Table 82 Forecast Credit Cards in Circulation: % Growth 2022-2027
Table 83 Forecast Credit Cards Transactions: % Growth 2022-2027
Table 84 Forecast Personal Credit Cards: Number of Cards in Circulation 2022-2027
Table 85 Forecast Personal Credit Cards Transactions 2022-2027
Table 86 Forecast Personal Credit Cards in Circulation: % Growth 2022-2027
Table 87 Forecast Personal Credit Cards Transactions: % Growth 2022-2027

Debit Cards in Germany - Category analysis

KEY DATA FINDINGS

Debit cards maintains growth momentum as the impact of the pandemic wanes
Leading local operator faces growing pressure amid Maestro exit
Mastercard and Visa continue rapid expansion
Multiple drivers strengthen outlook for debit cards in Germany
Non-girocard debit cards will further disrupt the competitive landscape
Rapid changes threaten girocard’s dominance in the years ahead
Table 88 Debit Cards: Number of Cards in Circulation 2017-2022
Table 89 Debit Cards Transactions 2017-2022
Table 90 Debit Cards in Circulation: % Growth 2017-2022
Table 91 Debit Cards Transactions: % Growth 2017-2022
Table 92 Debit Cards: Number of Cards by Issuer 2017-2021
Table 93 Debit Cards: Number of Cards by Operator 2017-2021
Table 94 Debit Cards Payment Transaction Value by Issuer 2017-2021
Table 95 Debit Cards Payment Transaction Value by Operator 2017-2021
Table 96 Forecast Debit Cards: Number of Cards in Circulation 2022-2027
Table 97 Forecast Debit Cards Transactions 2022-2027
Table 98 Forecast Debit Cards in Circulation: % Growth 2022-2027
Table 99 Forecast Debit Cards Transactions: % Growth 2022-2027

Pre-Paid Cards in Germany - Category analysis

KEY DATA FINDINGS

Pre-paid cards records temporary decline amid extraordinary circumstances
Open loop pre-paid cards sees diverging development as Geldkarte is discontinued
Germany’s temporary 9-euro travel scheme disrupts growth of eTicket
Positive outlook for pre-paid cards as cash transactions decline
Strong potential for open loop pre-paid cards in non-cash environment
eTicket travel card could see widespread adoption following 9-euro ticket experience
Table 100 Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 101 Pre-paid Cards Transactions 2017-2022
Table 102 Pre-paid Cards in Circulation: % Growth 2017-2022
Table 103 Pre-paid Cards Transactions: % Growth 2017-2022
Table 104 Closed Loop Pre-paid Cards Transactions 2017-2022
Table 105 Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 106 Open Loop Pre-paid Cards Transactions 2017-2022
Table 107 Open Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 108 Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 109 Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 110 Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 111 Pre-paid Cards Transaction Value by Operator 2017-2021
Table 112 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 113 Closed Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 114 Closed Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 115 Closed Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 116 Open Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 117 Open Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 118 Open Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 119 Open Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 120 Forecast Pre-paid Cards: Number of Cards in Circulation 2022-2027
Table 121 Forecast Pre-paid Cards Transactions 2022-2027
Table 122 Forecast Pre-paid Cards in Circulation: % Growth 2022-2027
Table 123 Forecast Pre-paid Cards Transactions: % Growth 2022-2027
Table 124 Forecast Closed Loop Pre-paid Cards Transactions 2022-2027
Table 125 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2022-2027
Table 126 Forecast Open Loop Pre-paid Cards Transactions 2022-2027
Table 127 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2022-2027

Store Cards in Germany - Category analysis

KEY DATA FINDINGS

Ongoing post-pandemic recovery fuels temporary growth in store card transactions
Breuninger remains rare success story within store cards
Loyalty cards without payment function are preferred by retailers and consumers
Lack of innovation set to exacerbate downward trend of store cards
Breuninger and Douglas will remain exceptions from shift to co-branded credit cards
Rising influence of e-commerce and apps will fuel ongoing decline
Table 128 Store Cards: Number of Cards in Circulation 2017-2022
Table 129 Store Cards Transactions 2017-2022
Table 130 Store Cards in Circulation: % Growth 2017-2022
Table 131 Store Cards Transactions: % Growth 2017-2022
Table 132 Store Cards: Number of Cards by Issuer 2017-2021
Table 133 Store Cards: Payment Transaction Value by Issuer 2017-2021
Table 134 Forecast Store Cards: Number of Cards in Circulation 2022-2027
Table 135 Forecast Store Cards Transactions 2022-2027
Table 136 Forecast Store Cards in Circulation: % Growth 2022-2027
Table 137 Forecast Store Cards Transactions: % Growth 2022-2027
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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