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 […]
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 […]
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 […]
Malta 2026
Market Overview Payment Organisation At present, there is no interbank organisation. Domestic Card Brands One Maltese closed-loop mono-bank ATM/debit card brand: Cashlink. Market Structure Replacement of mono-bank cards in favour of international schemes VISA and Mastercard. Maltese banks have arranged authorisation, clearing and settlement services directly with VISA and Mastercard. Cheque payments, which began to […]
Portugal 2026
Market Overview Payment Organizations SIBS – interbank organisation, manages the Multibanco networks Unicre – interbank organisation, main acquirer, Unibanco issuer. Domestic Payment Brands Multibanco (MB) cards, co-badged Maestro, Electron, Mastercard or VISA. MB cards can have debit and/or delayed debit function and a credit and/or delayed debit function on a single card. MB Way wallet, […]
Romania 2026
Market Overview Payment Organisations TransFonD (Societatea Nationala de Transfer de Fonduri si Decontari) is the interbank processor of the Romanian electronic payment system. Domestic Payment Brands No domestic card brands. Market Structure Cash remains the predominant payment instrument; credit transfers and cheques are used alongside debit cards, which were first issued in 1997. Debit cards […]
Serbia 2026
Market Overview Payment Organisations National Payment Card Centre DinaCard Domestic Payment Brands DinaCard debit, credit, and prepaid cards. They can be co-badged Discover, Pulse, or UnionPay for international use Market Structure Exceptionally for an emerging market, there are more POS payments than ATM withdrawals in Serbia, reflecting the advanced nature of the card business in […]