Czechia 2026
Market Overview Payment Organisation SBK Czech Bank Card Association (SBK/BCA). Domestic Payment Brands No domestic payment brands. Market Structure Continued growth of card use. By end-2024, there were 15.86 million cards with 273.5 card payments per capita. Cards issued are credit cards, debit cards, and prepaid cards. 92.12% of cards are debit cards that are […]
Estonia 2026
Market Overview Payment Organisation None (Pankade Kaardikeskus (PKK) became NETS Estonia). Domestic Payment Brands No domestic payment brands. Market Structure Estonia is the most developed digital market in the Baltic region. Mastercard cards replaced most of the VISA cards. There were 1.54 cards per capita in 2024 and 353.5 card payments per capita, of which […]
Finland 2026
Market Overview Payment Organisations Automatia (ATM network); Finnish Bankers Association. Finance Finland (FFI). Domestic Payment Brand No domestic card brand. Market Structure Sophisticated market with a high level of card use. However, numbers of ATMs and cash withdrawals continued to decline. Cards with combined debit/credit functions for domestic and international use respectively. As at end-2024, […]
Greece 2026
Market Overview Payment Organisations DIAS, Hellenic Bankers Association Domestic Payment Brands No domestic payment brands. Market Structure Greece has a cash-based economy. There were 216.1 card payments per capita in 2024. The Greek crisis affected card usage from 2009. Card numbers declined to 13.2 million in 2014 but recovered from 2015. For the first time […]
Hungary 2026
Market Overview Payment Organisation Nexi (formerly SIA Central Europe, interbank organisation GIRO Bankcard Company (GBC)). Domestic Payment Brands No domestic payment brands. Market Structure Debit cards account for 88.66% of the payment card base. Rapid growth of card use. 93.08% of all cards are contactless. In September 2016, the number of contactless card payments exceeded […]
Iceland 2026
Market Overview Payment Organisation Greiðsluveitan Domestic Payment Brands No domestic payment brands. Market Structure Card use in Iceland is the highest in the world, reflecting the extension of card payments into new areas. As there is no Giro system, cards take the place of direct debits for recurring payments. In 2024, there were 119.8 million […]
Ireland 2026
Market Overview Payment Organisations Banking and Payments Federation Ireland (BPFI). Domestic Payment Brands No domestic payment brands. Market Structure Historically the credit card market, debit card use has grown through the domestic Laser debit card scheme. In 2024, more than 91.22% of card payments by volume were with debit cards. Irish banks replaced domestic Laser […]
Latvia 2026
Market Overview Payment Organisation None. Domestic Payment Brands No domestic payment brands. Market Structure The Latvian card market has a competitive, decentralised, infrastructure composed of 10 card issuers, six acquirers, card processors, five ATM networks, and four POS networks. The number of Latvian payment cards reached 2.14 million in 2024, down from 2.11 million in […]
Lithuania 2026
Market Overview Payment Organisation None Domestic Payment Brands No domestic payment brands. Domestic cards were phased-out 2009. Market Structure The Lithuanian card market has a competitive, decentralised, infrastructure composed of five major issuers, six major acquirers, card processors, four ATM networks and six major POS networks. Following the UK’s withdrawal from the EU, several UK […]
Luxembourg 2026
Market Overview Payment Organisation Worldline SIX Payment Services S.A. Domestic Payment Brands No domestic payment brands. Market Structure The banks in Luxembourg opted for V PAY as debit card brand. Worldline manages the Bancomat POS and ATM infrastructure, acts as acquirer, and offers card processing and issuer services to issuers in Luxembourg and in Europe. […]