Financial Cards and Payments in Germany - TF Market Research

Financial Cards and Payments in Germany

Financial Cards and Payments in Germany - TF Market Research
Financial Cards and Payments in Germany
Published Jan 21, 2026
62 pages — Published Jan 21, 2026
Price US$ 2,100.00  |  Buy this Report Now

About This Report

  
  
Source:
Euromonitor International Ltd.
Author:

Euromonitor,

Geographic Regions
Western Europe , Germany , Europe
Industry
Consumer Lending
Non-Billable Page Numbers
1
Format:
PDF Adobe Acrobat
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Sections

TitleStarting PageNumber of Pages
Cover Page11
List of Contents and Tables21
Financial Cards and Payments in Germany - Industry Overview21
INDUSTRY PERFORMANCE21
WHAT'S NEXT?21
COMPETITIVE LANDSCAPE21
MARKET INDICATORS21
Table/Chart: 321
Table/Chart: Tabular Data Analysis21
Charge Cards in Germany - Category Analysis31
Table/Chart: 1431
Table/Chart: Tabular Data Analysis31
Table/Chart: Tabular Data Analysis41
Table/Chart: 3651
Table/Chart: Tabular Data Analysis51
Table/Chart: Tabular Data Analysis61
Text Information71
Financial Cards and Payments in Germany - Industry Overview81
EXECUTIVE SUMMARY81
KEY DATA FINDINGS81
INDUSTRY PERFORMANCE81
Phone-first payments and tap to pay broaden acceptance81
FINANCIAL CARDS AND PAYMENTS IN GERMANY91
Partnerships simplify product sets91
WHAT'S NEXT?91
Focus set to remain on debit cards for everyday purchases91
Card holders set to benefit from a simpler and more secure online experience91
COMPETITIVE LANDSCAPE91
FINANCIAL CARDS AND PAYMENTS IN GERMANY101
Hanseatic finds success with streamlined operations and services101
MARKET INDICATORS101
Table 1 Number of POS Terminals: Units 2020-2025101
Table/Chart: '000 Units101
Table/Chart: Tabular Data Analysis101
Table/Chart: Table 2 Number of ATMs: Units 2020-2025101
Table/Chart: Table 3 Value Lost to Fraud 2020-2025101
FINANCIAL CARDS AND PAYMENTS IN GERMANY111
Table 4 Card Expenditure by Location 2025111
MARKET DATA111
Table/Chart: % value analysis111
Table/Chart: Tabular Data Analysis111
Table/Chart: Table 5 Financial Cards in Circulation by Type: % Number of Cards 2020-2025111
Table/Chart: Table 6 Domestic versus Foreign Spend 2025111
Table/Chart: Table 7 Financial Cards by Category: Number of Cards in Circulation 2020-2025111
FINANCIAL CARDS AND PAYMENTS IN GERMANY121
Table 8 Financial Cards by Category: Number of Accounts 2020-2025121
Table 9 Financial Cards Transactions by Category: Value 2020-2025121
Table 10 Financial Cards by Category: Number of Transactions 2020-2025121
Table/Chart: '000 accounts121
Table/Chart: Tabular Data Analysis121
Table/Chart: EUR million121
Table/Chart: million transactions121
FINANCIAL CARDS AND PAYMENTS IN GERMANY131
Table 12 Consumer Payments by Category: Number of Transactions 2020-2025131
Table 13 M-Commerce by Category: Value 2020-2025131
Table 14 M-Commerce by Category: % Value Growth 2020-2025131
Table/Chart: EUR million131
Table/Chart: Tabular Data Analysis131
Table/Chart: million transactions131
Table/Chart: % current value growth131
FINANCIAL CARDS AND PAYMENTS IN GERMANY141
Table/Chart: Table 15 Financial Cards: Number of Cards by Issuer 2020-2024141
Table/Chart: Tabular Data Analysis141
Table/Chart: Source: Euromonitor International from official statistics, trade associations, trade press, company research, trade interviews, trade sources141
FINANCIAL CARDS AND PAYMENTS IN GERMANY151
Table/Chart: Tabular Data Analysis151
Table/Chart: Table 17 Financial Cards: Card Payment Transactions Value by Operator 2020-2024151
Table/Chart: Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024151
FINANCIAL CARDS AND PAYMENTS IN GERMANY161
Table/Chart: Tabular Data Analysis161
Table/Chart: Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030161
Table/Chart: Table 20 Forecast Financial Cards by Category: Number of Accounts 2025-2030161
Table/Chart: Table 21 Forecast Financial Cards Transactions by Category: Value 2025-2030161
FINANCIAL CARDS AND PAYMENTS IN GERMANY171
Table 22 Forecast Financial Cards by Category: Number of Transactions 2025-2030171
Table 23 Forecast Consumer Payments by Category: Value 2025-2030171
Table/Chart: Tabular Data Analysis171
Table/Chart: million transactions171
Table/Chart: EUR million171
FINANCIAL CARDS AND PAYMENTS IN GERMANY181
Table 25 Forecast M-Commerce by Category: Value 2025-2030181
Table 26 Forecast M-Commerce by Category: % Value Growth 2025-2030181
COUNTRY REPORTS DISCLAIMER181
Table/Chart: Tabular Data Analysis181
Table/Chart: EUR million181
Table/Chart: % constant value growth181
FINANCIAL CARDS AND PAYMENTS IN GERMANY191
SOURCES191
Graph - Sources used during the research included the following:191
Table/Chart: Sources used during the research included the following:191
Table/Chart: Tabular Data Analysis191
FINANCIAL CARDS AND PAYMENTS IN GERMANY201
Charge Cards in Germany - Category Analysis211
KEY DATA FINDINGS211
2025 DEVELOPMENTS211
Travel and entertainment the key focus of charge card spending211
INDUSTRY PERFORMANCE211
Travel-focused issuance and wallet-ready activation211
Transaction volumes increase as travel and entertainment spend recovers211
FINANCIAL CARDS AND PAYMENTS IN GERMANY221
WHAT'S NEXT?221
Gradual recovery in usage as travel and experiences grow221
Wider acceptance via softpos and growth of virtual corporate cards221
COMPETITIVE LANDSCAPE221
FINANCIAL CARDS AND PAYMENTS IN GERMANY231
CATEGORY DATA231
Table 27 Charge Cards: Number of Cards in Circulation 2020-2025231
Table 31 Commercial Charge Cards: Number of Cards in Circulation 2020-2025231
Table/Chart: '000 cards231
Table/Chart: Tabular Data Analysis231
Table/Chart: Table 28 Charge Cards Transactions 2020-2025231
Table/Chart: Table 29 Charge Cards in Circulation: % Growth 2020-2025231
Table/Chart: Table 30 Charge Cards Transactions: % Growth 2020-2025231
FINANCIAL CARDS AND PAYMENTS IN GERMANY241
Table/Chart: '000 cards241
Table/Chart: Tabular Data Analysis241
Table/Chart: Table 32 Commercial Charge Cards Transactions 2020-2025241
Table/Chart: Table 33 Commercial Charge Cards in Circulation: % Growth 2020-2025241
Table/Chart: Table 34 Commercial Charge Cards Transactions: % Growth 2020-2025241
Table/Chart: Table 35 Personal Charge Cards: Number of Cards in Circulation 2020-2025241
Table/Chart: Table 36 Personal Charge Cards Transactions 2020-2025241
FINANCIAL CARDS AND PAYMENTS IN GERMANY251
Table/Chart: Table 37 Personal Charge Cards in Circulation: % Growth 2020-2025251
Table/Chart: Tabular Data Analysis251
Table/Chart: Table 38 Personal Charge Cards Transactions: % Growth 2020-2025251
Table/Chart: Table 39 Charge Cards: Number of Cards by Issuer 2020-2024251
FINANCIAL CARDS AND PAYMENTS IN GERMANY261
Table/Chart: Tabular Data Analysis261
Table/Chart: Table 41 Charge Cards Payment Transaction Value by Issuer 2020-2024261
Table/Chart: Table 42 Charge Cards Payment Transaction Value by Operator 2020-2024261
Table/Chart: Table 43 Commercial Charge Cards: Number of Cards by Issuer 2020-2024261
FINANCIAL CARDS AND PAYMENTS IN GERMANY271
Table/Chart: Tabular Data Analysis271
Table/Chart: Table 44 Commercial Charge Cards: Number of Cards by Operator 2020-2024271
Table/Chart: Table 45 Commercial Charge Cards Payment Transaction Value by Issuer 2020-2024271
FINANCIAL CARDS AND PAYMENTS IN GERMANY281
Table/Chart: Tabular Data Analysis281
Table/Chart: Table 47 Personal Charge Cards: Number of Cards by Issuer 2020-2024281
Table/Chart: Personal Charge Cards: Number of Cards by Operator 2020-2024281
Table/Chart: Table 49 Personal Charge Cards Transaction Value by Issuer 2020-2024281
FINANCIAL CARDS AND PAYMENTS IN GERMANY291
Table/Chart: Tabular Data Analysis291
Table/Chart: Table 50 Personal Charge Cards Transaction Value by Operator 2020-2024291
Table/Chart: Table 51 Forecast Charge Cards: Number of Cards in Circulation 2025-2030291
Table/Chart: Forecast Charge Cards Transactions 2025-2030291
FINANCIAL CARDS AND PAYMENTS IN GERMANY301
Table/Chart: % cards growth301
Table/Chart: Tabular Data Analysis301
Table/Chart: Table 54 Forecast Charge Cards Transactions: % Growth 2025-2030301
Table/Chart: Table 55 Forecast Commercial Charge Cards: Number of Cards in Circulation 2025-2030301
Table/Chart: Table 56 Forecast Commercial Charge Cards Transactions 2025-2030301
Table/Chart: Table 57 Forecast Commercial Charge Cards in Circulation: % Growth 2025-2030301
Table/Chart: Table 58 Forecast Commercial Charge Cards Transactions: % Growth 2025-2030301
FINANCIAL CARDS AND PAYMENTS IN GERMANY311
Table 59 Forecast Personal Charge Cards: Number of Cards in Circulation 2025-2030311
Table 62 Forecast Personal Charge Cards Transactions: % Growth 2025-2030311
COUNTRY REPORTS DISCLAIMER311
Table/Chart: '000 cards311
Table/Chart: Tabular Data Analysis311
Table/Chart: Table 60 Forecast Personal Charge Cards Transactions 2025-2030311
Table/Chart: Source: Euromonitor International from trade associations, trade press, company research, trade interviews, trade sources311
Table/Chart: % growth311
Graph - FINANCIAL CARDS AND PAYMENTS IN GERMANY321
Credit Cards in Germany - Category Analysis331
KEY DATA FINDINGS331
2025 DEVELOPMENTS331
Credit card usage focuses on e-commerce, travel and subscriptions331
INDUSTRY PERFORMANCE331
Credit cards repositioned toward online payments, travel and subscriptions331
Improved access and acceptance boosts credit card transactions331
WHAT'S NEXT?331
FINANCIAL CARDS AND PAYMENTS IN GERMANY341
Card usage set to gradually normalise as rates stabilise341
Online checkout set to become token-first and low friction341
Mobile wallets and softpos expanding acceptance341
COMPETITIVE LANDSCAPE341
Commercial credit providers expand via virtual cards and tighter controls341
FINANCIAL CARDS AND PAYMENTS IN GERMANY351
Speed of issuance and frictionless payments key to success351
CATEGORY DATA351
Table/Chart: '000 cards351
Table/Chart: Tabular Data Analysis351
Table/Chart: Table 64 Credit Cards Transactions 2020-2025351
Table/Chart: Table 65 Credit Cards in Circulation: % Growth 2020-2025351
FINANCIAL CARDS AND PAYMENTS IN GERMANY361
Table/Chart: Table 66 Credit Cards Transactions: % Growth 2020-2025361
Table/Chart: Tabular Data Analysis361
Table/Chart: Table 67 Personal Credit Cards: Number of Cards in Circulation 2020-2025361
Table/Chart: Table 68 Personal Credit Cards Transactions 2020-2025361
Table/Chart: Table 69 Personal Credit Cards in Circulation: % Growth 2020-2025361
Table/Chart: Table 70 Personal Credit Cards Transactions: % Growth 2020-2025361
Table/Chart: Table 71 Credit Cards: Number of Cards by Issuer 2020-2024361
FINANCIAL CARDS AND PAYMENTS IN GERMANY371
Table/Chart: Tabular Data Analysis371
Table/Chart: Table 72 Credit Cards: Number of Cards by Operator 2020-2024371
Table/Chart: Table 73 Credit Cards Payment Transaction Value by Issuer 2020-2024371
FINANCIAL CARDS AND PAYMENTS IN GERMANY381
Table/Chart: Table 74 Credit Cards Payment Transaction Value by Operator 2020-2024381
Table/Chart: Tabular Data Analysis381
Table/Chart: Table 75 Personal Credit Cards: Number of Cards by Issuer 2020-2024381
Table/Chart: Table 76 Personal Credit Cards: Number of Cards by Operator 2020-2024381
Table/Chart: Table 77 Personal Credit Cards Payment Transaction Value by Issuer 2020-2024381
FINANCIAL CARDS AND PAYMENTS IN GERMANY391
Table 79 Forecast Credit Cards: Number of Cards in Circulation 2025-2030391
Table 81 Forecast Credit Cards in Circulation: % Growth 2025-2030391
Table/Chart: Tabular Data Analysis391
Table/Chart: Table 78 Personal Credit Cards Payment Transaction Value by Operator 2020-2024391
Table/Chart: '000 cards391
Table/Chart: Table 80 Forecast Credit Cards Transactions 2025-2030391
FINANCIAL CARDS AND PAYMENTS IN GERMANY401
Table 83 Forecast Personal Credit Cards: Number of Cards in Circulation 2025-2030401
Table/Chart: Tabular Data Analysis401
Table/Chart: Table 82 Forecast Credit Cards Transactions: % Growth 2025-2030401
Table/Chart: '000 cards401
Table/Chart: Table 84 Forecast Personal Credit Cards Transactions 2025-2030401
Table/Chart: Table 85 Forecast Personal Credit Cards in Circulation: % Growth 2025-2030401
Table/Chart: Table 86 Forecast Personal Credit Cards Transactions: % Growth 2025-2030401
Debit Cards in Germany - Category Analysis411
KEY DATA FINDINGS411
2025 DEVELOPMENTS411
Banks respond to the shift towards tap to pay411
INDUSTRY PERFORMANCE411
WHAT'S NEXT?411
FINANCIAL CARDS AND PAYMENTS IN GERMANY421
Everyday debit card use set to deepen as mobile acceptance broadens421
Instant payments and "wero" set to broaden pay-by-bank options421
Access to mobile wallets set to improve alongside increased security measures421
COMPETITIVE LANDSCAPE421
N26 regains growth momentum with focus on instant digital issuance431
FINANCIAL CARDS AND PAYMENTS IN GERMANY441
CATEGORY DATA441
Table 89 Debit Cards in Circulation: % Growth 2020-2025441
Table 90 Debit Cards Transactions: % Growth 2020-2025441
Table/Chart: '000 cards441
Table/Chart: Tabular Data Analysis441
Table/Chart: Table 88 Debit Cards Transactions 2020-2025441
Table/Chart: % cards growth441
Table/Chart: % growth441
Table/Chart: Table 91 Debit Cards: Number of Cards by Issuer 2020-2024441
FINANCIAL CARDS AND PAYMENTS IN GERMANY451
Table/Chart: Tabular Data Analysis451
Table/Chart: Table 92 Debit Cards: Number of Cards by Operator 2020-2024451
Table/Chart: Table 93 Debit Cards Payment Transaction Value by Issuer 2020-2024451
FINANCIAL CARDS AND PAYMENTS IN GERMANY461
Table 95 Forecast Debit Cards: Number of Cards in Circulation 2025-2030461
COUNTRY REPORTS DISCLAIMER461
Table/Chart: Tabular Data Analysis461
Table/Chart: '000 cards461
Table/Chart: Table 96 Forecast Debit Cards Transactions 2025-2030461
Table/Chart: Table 97 Forecast Debit Cards in Circulation: % Growth 2025-2030461

Table Of Contents

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Cite this Report

  
MLA:
TF Market Research. "Financial Cards and Payments in Germany" Jan 21, 2026. Alacra Store. Nov 14, 2026. <http://www.alacrastore.com/storecontent/Thomson-Reuters-Market-Research/Financial-Cards-and-Payments-in-Germany-Euromonitor-International-Ltd-120283859>
  
APA:
TF Market Research. (2026). Financial Cards and Payments in Germany Jan 21, 2026. New York, NY: Alacra Store. Retrieved Nov 14, 2026 from <http://www.alacrastore.com/storecontent/Thomson-Reuters-Market-Research/Financial-Cards-and-Payments-in-Germany-Euromonitor-International-Ltd-120283859>
  
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