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European Payments Report – Introduction 2026

Introduction

About the Yearbook

This edition of the European Digital and Card Payment Yearbook contains 33 profiles, covering the countries which make up the European Economic Area (EEA) – the 27 Member States of the European Union (EU27) and the UK together with Iceland, Norway, and Switzerland – plus Serbia and Turkey.

Like previous editions, the European Digital and Card Payment Yearbook pulls together data from sources across Europe into a single publication. The latest 2025-2026 version – so-called because it is current until the next edition in autumn 2025 – uses the ECB data (“Blue Book”) as the source of much of the basic data on card numbers and transactions. Compared with the 2024-25 Yearbook, which drew on ECB data up to end-2023, this latest edition has ECB data up to end-2024.

In early editions of the Yearbook, most cards and payments data was drawn from the international card schemes, VISA and Mastercard. Since both have become stock exchange-listed companies, previously available data is no longer published. In several countries, however, including the UK and Norway, VISA and Mastercard statistics continue to be published by domestic organisations.

In most countries, the national central bank (NCB) or domestic payments organisation provides data to complement the ECB’s. Increasing use is being made of data from individual banks and domestic card schemes, most of which is as at end-2024, with some data from mid-2025.

Again, this edition of the European Digital and Card Payment Yearbook does not include Russia and Ukraine. This follows the decision in 2009 by the publishers to launch a new publication, the ‘Russia, Georgia and CIS Payment Cards Yearbook’, now renamed as ‘Eurasian Digital and Card Payment Yearbook’ which covers Kazakhstan, Armenia, Azerbaijan, Belarus, Kyrgyzstan, Moldova, and Uzbekistan in addition to Russia, Georgia, and Ukraine.

The countries of Europe are generally mature payments markets, with cards issued and acceptance networks at or near saturation point in many cases. While this is less true of more recent EU-acceding countries like Bulgaria and Romania, investment by western banking groups and ongoing economic integration at EU level make it likely that the maturity of their payments will converge over time towards those of the more developed markets.

The impact of the COVID-19 pandemic on cards and payments – The emergence of the coronavirus in early 2020 had a profoundly transformational impact on consumer and business usage of payments in all their forms, which continued into 2021 and 2022.

Mandatory quarantines and lockdowns confined hundreds of millions of people to their homes for months, with non-essential shops and other card-accepting outlets like entertainment venues, restaurants, bars and sporting events closed for extended periods of time. With uncertainty over the hygiene of physical bank notes and coins, many outlets refused to accept cash outright, and many previously cash-only businesses had to quickly adopt POS terminals to accept cards for low-value transactions.

With governments across the world urging people to make more use of contactless payments, the payment schemes quickly raised contactless limits (to double the previous limit in many countries) to enable more contactless transactions and reduce physical contact and exchange of cash.

As this year’s Yearbooks show, from 2020 virtually every country profiled experienced sharp rises in contactless transactions which continued into 2021 and 2022 and beyond. At the same time, lockdowns meant millions of people shopped online for the first time, with e-commerce volumes and digital payment usage surging rapidly across Europe and Eurasia.

Over 2021 and 2022, ATM cash withdrawals tentatively recovered as lockdown restrictions were ended, but the acceleration of the shift to digital payments in 2021 and 2022 only reaffirms the pre-existing trend of declining cash usage, encouraged by government efforts and incentives to switch to more efficient forms of payment.

It is highly likely that many of these changes to consumer payment behaviour will be long-lasting, particularly in relation to growing usage of e-commerce and digital wallets. While prospects of a cash-less society may be far away, 2020 certainly ushered in a less-cash society in many respects, and with the more recent push towards digital ID and biometric payment authentication seen over 2021, the necessary building blocks for a digital future have been laid.

In 2024, European countries experienced stable growth in card payments and mostly marginal declines in cash withdrawals, indicating that the impact of the pandemic might be waning off on these numbers. Contactless payments and the use of mobile and internet banking grew across countries as well.

Note on the Eurasian Countries

The countries within Eurasia, on the other hand, can be characterised as having significant potential for market growth, as the per capita figures show. In the field of cards issued, Eurasia is making good progress. In 2024, cards per capita in Eurasia averaged 2.78 cards per capita, compared to 1.94 in the EU27 countries. In 2023, Eurasia had 2.42 cards per capita while the EU27 reported 1.81 cards per capita.

1 - Trends in Cards per Capita
20202021202220232024GR 23/24GR 5YCAGR 5Y
Cards issued - Eurasia (m)459.48509.63585.49681.04775.5313.9%85.8%13.2%
Annual growth rate/year - Eurasia10.1%10.9%14.9%16.3%13.9%---
Cards per capita - Eurasia1.651.832.092.422.7814.8%85.3%13.1%
Cards issued - EU27 (m)739.24768.73829.00815.51874.177.2%1.3%0.3%
Annual growth rate/year - EU27-14.3%4.0%7.8%-1.6%7.2%---
Cards per capita - EU271.651.721.851.811.947.2%23.9%4.4%
Note: for consistency, all figures for European cards are EU28 data until 2019, from 2020, EU27 minus UK (Brexit)
Note: Eurasian figures for the EA10 countries exclude Tajikistan and Turkmenistan.
Source: Yearbooks research.

Acceptance networks in Eurasia have shown much lower levels of development, no longer including Russia, but in 2024, ATMs per million inhabitants were 721.1 in Eurasia compared with 610.2 for the EU27 states. There is a continued infrastructure convergence in that ATMs per capita are increasing in Eurasia, even as they decrease in Europe, owing to the trend towards digital payment. In 2023, Eurasia had 714.0 ATMs per million inhabitants while the EU27 countries reported 628.4 ATMs per million inhabitants.

In the case of POS terminals per million inhabitants, the 2024 Eurasian figure was 25,973.0 compared with 50,869.1 in the EU27 countries. In 2023, Eurasia had 23,512.1 POS terminals per million inhabitants while the EU27 countries reported 47,601.1 POS terminals per million inhabitants).

Appendices

The European Digital and Card Payment Yearbook is now in its 24th edition and over the past decade a substantial amount of information has become historical in nature, though remaining useful in understanding the evolution of a specific market. To preserve this information and improve the narrative of the main profile, background information has been moved where appropriate to the back of the profile, under the heading ‘Appendix.’

In some countries, selected important information has not been updated because of lack of recent data. The respective tables have also been retained in this edition of the Yearbook to show relevant historic facts, and in the hope that coverage can be resumed in future editions.

Country Profiles – Structure 

The core of the Yearbook is the series of profiles of the card markets of Europe country by country. These include information and data on:

  1. European Payment Initiative (EPI), EDPIA, and Payments Europe
  2. Country-specific organisations and domestic schemes
  3. Card issuer overview, major card issuers
  4. Card Processors and PSPs, major processors and PSPs
  5. Acquiring and Acceptance, major acquirers
  6. ATM Network Infrastructure, Contactless ATMs
  7. POS Terminal Network Infrastructure, MPOS Terminals
  8. Remote Payments on the Internet – Cards and More
  9. Online-payments mix by country – market indications
  10. B2C e-commerce purchase value statistic
  11. Mobile Payments – Overview
  12. Mobile Payment Initiatives
  13. Cardless Digital Payment Initiatives
  1. European Payment Initiative (EPI)
  2. Wero
  1. Cards in circulation
  2. Card Fraud
  3. Card use – card payments, withdrawals
  4. Card use – per capita
  5. Card use drill down by card types
  6. Debit cards, Delayed debit cards, Credit cards
  7. E-Money use
  8. Leading card issuers – selected details
  1. Card Business Background
  2. Relevant historic information – Bank sector, payments industry, regulation
  3. EMV Migration Background

In order to address the year-on-year news and the payments industry market trends, the Yearbook 2025-2026 was updated and enhanced by adding information and data on:

European Overview Section 

As well as the individual 33 country profiles, this yearbook includes a large European overview section, which can be summarised as follows:

The redesigned European overview section of the Yearbooks edition 20-21 had a completely new structure. Beyond card payments, it now highlights three competing European payment ecosystems:

The objective is to provide a European overview of card payments and cardless payments having in mind the regulators’ view on digital payment services for the digital economy, the payment demands of consumers and merchants, and the emerging digital payment world. In addition, the cash ecosystem is briefly highlighted.

Having such a pan-European view on payment services and payment service providers in mind, the European overview sections comprise a basic introduction about the Yearbook and six parts reflecting digital payment transformation trends. It analyses both the card payment business and the emerging Open Banking payment ecosystem:

  1. Introduction – About the Yearbook
    A basic introduction to the Yearbook, the country profiles and the European Overview Section. In addition, glossary of geopolitical terms, conventions, abbreviations and notable payments industry organisations used in the Yearbooks.
  2. About Payments in Europe
    This part provides an introducing overview about payments in Europe and analyses briefly different aspects of card payments, emerging cardless payments directly from bank accounts, and digital payment transformation:

Further, this part highlights briefly important payment service trends and digital technologies relevant for European payment business.

  1. Card Payment Ecosystem in Europe
    The objective of the section ‘Card Payment Ecosystem in Europe’ is to provide an overview of card payments and payment service providers in the European card payment ecosystem, which competes with cardless payments directly from the account.

Having in mind the regulatory view on digital payment services for the digital economy, the payment demands of consumers and merchants, disrupting technologies and the emerging digital economy world, this part drills down into card payment infrastructures and card payment services in Europe:

In this section of the European overview, the transformation and current situation of domestic processors, interbank organisations and domestic card schemes in Europe are highlighted in the new context as at end-2020. Additionally, an update is given on the overview of international card schemes.

Further, this part highlights briefly, important card market trends and digital technologies relevant for the card payment business. It also includes an outline of the evolution of the former interbank payment organisations and a summary of M&A activity among European card processors.

  1. Open Banking Payment Ecosystem
    The objective of this section is to provide a European overview of cardless payments and the emerging Open Banking payment ecosystem, which is complementary to the card business.

Having in mind the regulatory view on digital payment services for the digital economy, the payment demands of consumers and merchants, and the emerging digital payment world, this section drills down into cardless payment infrastructures and Open Banking payment services in Europe including:

Further, this part highlights briefly important Open Banking market trends and digital technologies relevant for Open Banking payment business.

  1. Card Payments Overview – Market Size and Dynamics
    covering debit and credit cards across the European market including comparative tables of issued cards, number of payments per country, expenditure on cards by country and a variety of per capita figures.Additionally, this part provides high-level background regarding:
  1. Card Acquiring and Acceptance,
    a section reviewing card acquiring, the acquirer infrastructure in Europe, and selected comparative POS and ATM statistics.Including the new legal frameworks for acquirer services, EC directives and new EC regulations with impact on European card business are highlighted.

Additionally, this section provides high-level background regarding:

  1. Overview of European Banking,
    a discussion of retail banking trends in Western and Eastern Europe, including cross-border M&A activity, and a snapshot of the leading European banks.

In addition, this section highlights briefly notable digital banking trends and the role of European banks in digital card business, both from a payments industry point of view:

Glossary of Geopolitical Terms 

The countries of Europe and the CIS are sub-divided as follows:

Euro zone: The euro area came into being when responsibility for monetary policy was transferred from the national central banks of 11 EU Member States to the ECB in January 1999. Greece joined the euro area in 2001, Slovenia in 2007, Cyprus and Malta in 2008, Slovakia in 2009, Estonia in 2011, Latvia in 2014, and Lithuania in 2015 so that when this Yearbook went to press in December 2025 there were 20 countries that joined the euro as Croatia joined the euro in January 2023. Bulgaria adopted the euro as its currency on 1 January 2026, becoming the 21st member state of the euro zone.

EU15: The 15 members of the EU before its enlargement in 2004 – the euro zone 12 plus Denmark, Sweden and the UK.

EU25: The EU15 plus the ten countries which acceded to the EU in May 2004 – Czechia, Cyprus, Estonia, Hungary, Latvia, Lithuania, Malta, Poland, Slovakia and Slovenia; all known as ‘A10’ (short for Accession 10).

EU27: In January 2007, Bulgaria and Romania became EU Member States.

EU27: As of 2021, with the UK’s exit from the EU completed, the Yearbooks use the EU27 abbreviation to note the remaining EU members.

EU27 + UK: At the end of 2019, the UK left the EU. During the transition process in 2020, the Yearbooks used the abbreviation EU27 + UK instead of EU28 in the comparable tables of the Eurasian Yearbook. The reason is to retain important key payments industry indicators of 2019 comparable to previous years.

EU28: In July 2013, Croatia became the 28th EU Member State.

EEA: European Economic Area – the EU28 countries plus Iceland, Norway, Lichtenstein and Switzerland. All the 32 countries comply with the EC directives, EC regulations and EU initiatives, including SEPA.

E33: The 33 countries covered in the European Digital and Card Payment Yearbookare composed of the EU28 countries plus Iceland, Norway, Switzerland, Serbia and Turkey.

CEE, SEE and CIS: The common factor between the countries of central and eastern Europe (CEE), those of the CIS (Commonwealth of Independent States) and those of SEE (south-eastern Europe) is that all formed part of the old USSR or of Comecon, the bloc of European countries which fell under Soviet domination after World War II. With the collapse of the Soviet Union in 1989, much has changed.

The term CEE now covers the countries that joined the EU in 2004 plus Bulgaria and Romania, while SEE refers to the former Yugoslavia, excluding Slovenia and Croatia, which has joined the EU, but comprising Albania, Bosnia and Herzegovina, Kosovo, Macedonia, Montenegro, and Serbia.

The countries of the CIS are the subject of the ‘Eurasian Digital & Card Payment Yearbook 2023-24’, published for the first time in September 2009, under the name of ‘Russia, Georgia and CIS Payments Cards Yearbook’ and reissued in 2010, 2011 and 2012.

Countries profiled are Russia, Ukraine, Kazakhstan, Armenia, Azerbaijan, Belarus, Georgia, Kyrgyzstan, Moldova and Uzbekistan. Also, forming part of the CIS, but not profiled due to lack of data, are Tajikistan and Turkmenistan. Georgia withdrew from the CIS in August 2009; thus the ‘Russia, CIS’ Yearbook’s title was amended to ‘Russia, Georgia and CIS’ Yearbook and is now entitled ‘Eurasian Payments Cards Yearbook’.

Individual European Country Profiles

1 – Austria

2 – Belgium 18 – Lithuania

3 – Bulgaria 19 – Luxembourg

4 – Croatia 20 – Malta

5 – Cyprus 21 – Netherlands

6 – Czech Republic (Czechia) 22 – Norway

7 – Denmark    23 – Poland

8 – Estonia 24 – Portugal

9 – Finland 25 – Romania

10 – France 26 – Serbia

11 – Germany     27 – Slovakia

12 – Greece 28 – Slovenia

13 – Hungary    29 – Spain

14 – Iceland 30 – Sweden

15 – Ireland 31 – Switzerland

16 – Italy    32 – Turkey

17 – Latvia 33 – United Kingdom

Acknowledgments

The report draws on statistics and information from the European Central Bank (ECB), the Bank of International Settlement (BIS), the national central banks (NCBs), domestic payment organisations and commercial, cooperative and savings banks.

E-commerce and m-commerce figures reported draw on statistics and information from Eurostat, NCBs, online PSP processors, and retailer associations.

The Yearbook editors thank all those individuals and organisations who have kindly supplied information and statistics.

Conventions

, (comma) thousands (e.g. 1,000)
. (dot) decimal point (e.g. 100.5)
Ø abbreviation symbol for “average”, e.g. Ø TX per card
ATM Withdrawals Cash withdrawals in the country made with domestic cards and with foreign cards – acquirer view
Bank payments IBAN-based payments directly from the account (e.g. credit transfers, SCT, SDD, SCTINST, direct debits, SDD)
Billion, bn 1,000 million, abbreviated as bn (e.g. €bn)
Card Payments Payments made with domestic cards in the country and with domestic cards abroad – issuer view
Delayed debit Also called deferred debit or charge card: i.e. a card linked to account where bill is paid monthly, but the card has no credit function activated
estimated estimated figures in tables and in the text are marked in italic format
Million, m Million, abbreviated as m (e.g. 3m cards)
na, nav, n/a Not Available; no available values
POS Payments Payments made in the country with domestic cards and with foreign cards – acquirer view
POS Terminals POS terminals in terms of EFTPOS terminals. Cash registers are named as ECR devices in the Yearbook.
Transactions Invariably the term used to cover payments and ATM withdrawals combined, also abbreviated as TX or TXs
Trillion, tn 1,000 billion
Value versus
Volume		 Early editions of the Yearbook followed the VISA/Mastercard convention of describing monetary values as “volume,” in the sense of turnover or revenue. As little data now comes from the international schemes, the term “value” is used in the more recent editions, in line with the ECB data and other sources.

Abbreviations

The Yearbook comprises a set of abbreviations used in the country profiles and in the European section where appropriate. Common in the payments industry, the Yearbook provides this list of abbreviations as a kind of Yearbook glossary:

A2A Account-to Account; synonym for cardless payments directly between current accounts, e.g. credit transfers, immediate payments, direct debits
ACH Automated Clearing House, no longer used;
replaced by: Clearing & Settlement Mechanism (CSM)
ACQ Acquirer, Acquiring
AISP Account Information Service Provider, according to the PSD2
AMLD, 5AMLD Anti-Money Laundering Directive
API, Open API A language and message format used by software applications to communicate with each other; also: Open API, Public API, Partner API, Private API
ASPSP Account serving payment service provider, according to the PSD2
ATM Automatic Teller Machine, e.g. for cash withdrawals
ATV Average Transaction Value
B2B Business-to-Business: e.g. B2B payments between businesses
BIC Business Identifier Code (8 to 11 digits)
BLE Bluetooth Low Energy (Bluetooth Smart)
BNPL Buy Now Pay Later: a flexible instalment service for digital payments
CEE Central East Europe
CMP Contactless Mobile Payments
CNP Card Not Present, cards used on the Internet
COD Cash-/Card-on-Delivery Payments
COF Card On File
CPS Card Payment Schemes
CRD Consumer Rights Directive, CRD Directive
CSC Card Security Code, e.g. CVC2, CVV2, CID, CID2
CSM Clearing Settlement Mechanism
CTP Click-To-Pay: digital wallet standard of Mastercard, VISA, American Express, Discover, JCB and China Union Pay
DCC Dynamic Currency Conversion
DMIF Domestic Interchange Fee
EC-MC Eurocard-Mastercard
ECR Electronic Cash Register, i.e. cash handling device
EEA European Economic Area (28 EU + 4 EWR countries)
EMD, EMD2 E-Money Directive
EMI E-Money Institution, according to the EMD
EMV Global standard for inter-operation of chip cards with chip card capable ATM terminals and POS terminals
EOD End of Day, e.g. EOD data collection
GDP Gross Domestic Product
GNP Gross National Domestic Product
HCE Host Card Emulation, technology to store card credentials in the cloud instead of storing them on the mobile phone
HCE NFC NFC ecosystem with the card credentials stored in the cloud and not in an NFC capable mobile phone
HSM High Security Module; used for encryption
IBAN International Bank Account Number
IFSF International Forecourt Standards Forum
IPG Internet Payment Gateway
ISS Issuer, Issuing
KYC Know Your Customer, the process of a business identifying and verifying the identity of individual clients.
LVP Low Value Payment, acronym for payments of low purchase value (e.g. <€25)
MasterPass Digital Wallet of the card scheme Mastercard, replaced by Click-To-Pay
MCC Merchant Category Code
MCSC Mastercard SecureCode
MFI Monetary Financial Institution
MIT Merchant Initiated Transaction
MMS Multimedia Messaging Service, i.e. offered by mobile operators on mobile phones
MMT Mobile Money Transfer
MNO Mobile Network Operator
MOTO Mail-Order/Telephone-Order
MPI Merchant Plug-In; connecting online shops with an Internet Payment Gateway
MPOS MPOS Terminal, mini-POS terminal for mobile merchants
MSC Merchant Service Charge
MVNO Mobile Virtual Network Operator
NCB National Central Bank of a country
NFC Near Field Communication: i.e. contactless technology
NSP ATM/POS Network Service Processor
OBP Open Banking Payments, e.g. OBP processor
OTA Over-The-Air: i.e. using the mobile network channel
OTI Over-The-Internet: i.e. using the internet channel
P2P Person-to-Person: e.g. P2P payments such as mobile money transfers
PCI Payment Card Industry; standards: e.g. PCI PTS, PCI DSS
PI Payment Institution, according to the PSD2
PIN Personal Identification Number
PISP Payment Information Service Provider, according to the PSD2
PLC Private Label Card, card issued by a retailer
POI Point of Interaction, acronym for multi-channel POS types
POS Point of Sale
PSD, PSD2 Payment Services Directive
PSP Payment Service Processor: i.e. specialised internet payment processor, also Payment Service Provider
RBA Risk-based Authentication
RTP, SRTP SEPA Request-To-Pay, a messaging functionality scheme of the EPC to request a payment initiation, can be seen as enabler for digital payments
RTS Regulatory Technical Standards, issued by the European Banking Authority
SCA Strong Customer Authentication, according to the European Banking Authority
SCT SEPA Credit Transfer, the credit transfer scheme of the EPC for harmonised euro credit transfers in Europe
SCTINST SEPA Instant Credit Transfers, the instant credit transfer scheme of the EPC for harmonised euro instant payments in Europe (a SCT variant)
SDD SEPA Direct Debit, the direct debit scheme of the EPC for harmonised euro direct debits in Europe
SE Secure Element, i.e. secure storage of card credentials
SEPA Single Euro Payments Area, i.e. 21 countries (2026)
SIM SE NFC NFC ecosystem with the card credentials stored in a secure element of the SIM card of an NFC capable mobile phone
SME Small & Medium Enterprises
SMS Short Messaging Service, i.e. text messaging service offered by mobile operators on mobile phones
SRC Secure Remote Commerce Standard of EMVCo
STP Straight Through Processing, i.e. automatic transaction
TAN Transaction Authentication Number, used to secure online banking transactions, also iTAN, mTAN
TPP Trusted Payment Provider, according to PSD2
TMS Terminal Management System
TSM Trusted Service Manager
TX, TXs abbreviation for transaction or transactions
VAT Value Added Tax
VbV Verified-by-VISA
VISA Checkout Digital Wallet of card scheme VISA, replaced by Click-To-Pay
VRP Variable Recurring Payments
VPSP Virtual Payment Service Provider
XS2A Access to Account for authorised TPPs with explicit customer consent

Notable Organisations active in Europe 

The Yearbook notes a list of selected payments industry associations that are active in Europe and, thus, are notable from a European market point of view:

ABE, EBA Euro Banking Association, www.abe-eba.eu
AmEx, AmExp American Express, www.americanexpress.com
BIS Bank for International Settlement, www.bis.org
Diners Diners Club International, www.dinersclub.com
Discover Discover, www.discover.com
EACHA European Automated Clearing House Association, www.eacha.org
EAPS Euro Alliance of Payment Schemes, www.card-alliance.eu
EBA European Banking Authority, www.eba.europe.eu
EBF European Banking Federation, www.ebf-fbe.eu
EPI European Payment Initiative
EBRD European Bank for Reconstruction and Development, www.ebrd.com
ERPB European Retail Payments Board chaired by ECB, replaced the SEPA Council
EC European Commission, www.ec.europe.eu
ECB European Central Bank, www.ecb.int
EMVCo The EMVCo association manages the EMV specifications, www.emvco.com
EPC European Payments Council, www.europeanpaymentscouncil.eu
ERPB Euro Retail Payments Board, www.ec.europe.eu
ESM European Stability Mechanism, www.esm.europe.eu
EU European Union, www.europe.eu
IMF International Monetary Fund, www.imf.org
JCB JCB International (Europe) Ltd., www.jcbcorporate.com
Mastercard Card scheme Mastercard, www.Mastercard.com
UnionPay Chinese card scheme, also: China Union Pay (CUP), www.unionpay.com
VISA Card scheme VISA, www.visa.com
VISA Europe Visa Europe, the wholly owned subsidiary of Visa Inc.

Charts, Diagrams and Tables

1. About Payments in Europe
1.1 Table 1 B2C E-Commerce Revenues in Europe
1.2 Table 2 Internet Use in the EU27+UK Countries
1.3 Table 3 Connected Consumers in Europe (2024)
D 1 Diagram Share of Cash Transactions per Country at Points of Sale (Number of Transactions)
D 2 Diagram Share of Cash Transactions per Country at Points of Sale (Value of Transactions)
1.4 Table 4 Cashless Payment Transactions in 33 European Countries
1.5 Table 5 Selected Regional Card Payment Summary
1.6 Table 6 Online Payments with Cards in 33 European Countries – Indication
1.7 Table 7 POS Payment with Cards in Europe
1.8 Table 8 ATM Cash Withdrawals with Cards in Europe
2. Card Payment Ecosystem in Europe
2.4.1 Table Scheme Overview by Country
2.4.2 Table Diners Club European Franchises
2.4.3 Table American Express European Relationships
2.5.1 Table M&A Activity Among Europe’s Domestic Processors
2.11 Table Interbank Payment Organisations by Country
2.12 Table Domestic Card Brands in Europe (end-2023)
2.13 Table Bank Service providers in CEE and the Baltic States
4. Card Payments Overview – Market Size and Dynamics
4.1.1 Table Cards by region and Per Capita
4.1.2 Table Regional Card Market Summary 2020-2024
4.1.3 Table Card Payments in the E33 Region 2020-2024
4.1.4 Table Cards and Payments in 2024 – alphabetic by country
4.1.5 Table Cards and Payments in 2024 – ranked
4.1.6 Table Payment Cards with International Brands in Europe
4.1.7 Table Payments with International branded Cards in Europe
4.1.8 Table Payments Value with International branded Cards in Europe
4.1.9 Table Card Indicators – POS Payments in the Euro Area
4.2.1 Table Debit Cards in Europe (millions)
4.2.2 Table Debit Card Payments in Europe (millions)
4.2.3 Table Debit Card Expenditure in Europe (€billions)
4.2.4 Table Cheque payments in Selected European Countries
4.2.5 Table E-Purse Payments (millions)
4.3.1 Table Credit and Delayed Debit Cards (millions)
4.3.2 Table Credit and Delayed Debit Card Payments (millions)
4.3.3 Table Credit and Delayed Debit Card Expenditure (€ billions)
4.4.1 Table Total Cards in Europe (millions)
4.4.2 Table Total Card Payments in Europe (millions)
4.4.3 Table Total Card Expenditure (€ billions)
4.5.1 Table Debit Card Payments Per Capita in Europe
4.5.2 Table Credit and Delayed Debit Card Payments per Capita in Europe
4.5.3 Table Total Card Payments Per Capita in Europe (€ billions)
4.5.4 Table ATV per Card Payment (in €)
4.5.5 Table Number of cards Issued in France
4.6.1 Table Cashless Payments in 2024 (millions)
4.6.2 Table Cashless Payments in 2024 (in %)
4.7.1 Table Leading Card Issuers in Europe
4.8.1 Table EMV Deployment and Adoption in Europe
4.9.1 Table Value of Card Fraud in SEPA
5: Card Acquiring and Acceptance
5.1.1 Table POS Terminals in Europe (000s)
5.1.2 Table POS Terminals per one million Capita
5.1.3 Table POS Payments (millions)
5.1.4 Table POS Payments per Capita
5.1.5 Table Value of POS Payments (€ billion)
5.6.1 Table ATV per POS Payment (in €)
5.2.1 Table ATM Terminals in Europe (000s)
5.2.2 Table ATM Terminals per one million Capita
5.2.3 Table ATM Withdrawals (millions)
5.2.4 Table ATM Withdrawals per Capita
5.2.5 Table Value of ATM Withdrawals (€ billion)
5.2.6 Table ATV per ATM Withdrawal (in €)
5.3.1 Table ATM Network Overview by Country
5.4.1 Table Leading Acquirers in Europe
6: Overview of European Banking
6.3.1 Diagram Largest Western European Banks by Country
6.3.2 Chart Largest Western European Banks by Total Assets (€ billion) end-2024
6.3.3 Table Mergers and Acquisitions in Western European Banking
6.4.1 Diagram Largest CEE Banks by Country
6.4.2 Chart Largest CEE by Total Assets (€ billion) end-2024
6.4.3 Chart Total Assets of International Banks in CEE (€ billion) end-2024
6.4.4 Table Mergers and Acquisitions in CEE Banking
Digital & Card Payment Yearbooks