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Charge Cards in the United Kingdom

  • PDF Icon

    Report

  • 28 Pages
  • January 2026
  • Region: United Kingdom
  • Euromonitor International
  • ID: 1576370
Charge cards saw further decline across metrics in the UK in 2025 due to lower merchant acceptance and inflexible repayment structures. Users and businesses are increasingly moving to debit card systems, with charge cards becoming ever more obsolete.

This Charge Card Transactions in United Kingdom report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Commercial Charge Card Transactions, Personal Charge Card Transactions.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

  • Get a detailed picture of the Charge Card Transactions market;
  • Pinpoint growth sectors and identify factors driving change;
  • Understand the competitive environment, the market’s major players and leading brands;
  • Use five-year forecasts to assess how the market is predicted to develop.

Table of Contents

KEY DATA FINDINGS2025 DEVELOPMENTS
INDUSTRY PERFORMANCE
  • Usage contracts as consumers prioritise flexibility and cost control
  • Commercial charge card marginalised by digital efficiency and corporate controls
WHAT’S NEXT?
  • Personal charge cards towards gradual decline in a digital-dominant landscape
  • Commercial charge cards will be sidelined by integrated expense platform
  • Consolidation and strategic retrenchment set to continue
COMPETITIVE LANDSCAPE
  • Consolidation deepens as innovation bypasses charge cards
  • UK Banks continue to channel investment into credit and debit cards
CATEGORY DATA
  • Table 1 Charge Cards: Number of Cards in Circulation 2020-2025
  • Table 2 Charge Cards Transactions 2020-2025
  • Table 3 Charge Cards in Circulation: % Growth 2020-2025
  • Table 4 Charge Cards Transactions: % Growth 2020-2025
  • Table 5 Commercial Charge Cards: Number of Cards in Circulation 2020-2025
  • Table 6 Commercial Charge Cards Transactions 2020-2025
  • Table 7 Commercial Charge Cards in Circulation: % Growth 2020-2025
  • Table 8 Commercial Charge Cards Transactions: % Growth 2020-2025
  • Table 9 Personal Charge Cards: Number of Cards in Circulation 2020-2025
  • Table 10 Personal Charge Cards Transactions 2020-2025
  • Table 11 Personal Charge Cards in Circulation: % Growth 2020-2025
  • Table 12 Personal Charge Cards Transactions: % Growth 2020-2025
  • Table 13 Charge Cards: Number of Cards by Issuer 2020-2024
  • Table 14 Charge Cards: Number of Cards by Operator 2020-2024
  • Table 15 Charge Cards Payment Transaction Value by Issuer 2020-2024
  • Table 16 Charge Cards Payment Transaction Value by Operator 2020-2024
  • Table 17 Commercial Charge Cards: Number of Cards by Issuer 2020-2024
  • Table 18 Commercial Charge Cards: Number of Cards by Operator 2020-2024
  • Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2020-2024
  • Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2020-2024
  • Table 21 Personal Charge Cards: Number of Cards by Issuer 2020-2024
  • Table 22 Personal Charge Cards: Number of Cards by Operator 2020-2024
  • Table 23 Personal Charge Cards Transaction Value by Issuer 2020-2024
  • Table 24 Personal Charge Cards Transaction Value by Operator 2020-2024
  • Table 25 Forecast Charge Cards: Number of Cards in Circulation 2025-2030
  • Table 26 Forecast Charge Cards Transactions 2025-2030
  • Table 27 Forecast Charge Cards in Circulation: % Growth 2025-2030
  • Table 28 Forecast Charge Cards Transactions: % Growth 2025-2030
  • Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2025-2030
  • Table 30 Forecast Commercial Charge Cards Transactions 2025-2030
  • Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2025-2030
  • Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2025-2030
  • Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2025-2030
  • Table 34 Forecast Personal Charge Cards Transactions 2025-2030
  • Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2025-2030
  • Table 36 Forecast Personal Charge Cards Transactions: % Growth 2025-2030
COUNTRY REPORTSFINANCIAL CARDS AND PAYMENTS IN THE UNITED KINGDOMKEY DATA FINDINGSKEY INDUSTRY TRENDS
INDUSTRY PERFORMANCE
  • Contactless and mobile wallets cement their dominance
  • BNPL faces regulatory challenges amid explosive growth
  • AI and sustainability redefine card innovation
WHAT’S NEXT?
  • Growth set to be driven by increased transactions for everyday purchases
  • UK policy will shape the direction of the category
  • Steady outlook for the years ahead
COMPETITIVE LANDSCAPE
  • Lloyds benefits from partnership with Visa and strong brand equity
  • Revolut sees rapid expansion in the UK
MARKET INDICATORS
  • Table 37 Number of POS Terminals: Units 2020-2025
  • Table 38 Number of ATMs: Units 2020-2025
  • Table 39 Value Lost to Fraud 2020-2025
  • Table 40 Card Expenditure by Location 2025
  • Table 41 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
  • Table 42 Domestic versus Foreign Spend 2025
MARKET DATA
  • Table 43 Financial Cards by Category: Number of Cards in Circulation 2020-2025
  • Table 44 Financial Cards by Category: Number of Accounts 2020-2025
  • Table 45 Financial Cards Transactions by Category: Value 2020-2025
  • Table 46 Financial Cards by Category: Number of Transactions 2020-2025
  • Table 47 Consumer Payments by Category: Value 2020-2025
  • Table 48 Consumer Payments by Category: Number of Transactions 2020-2025
  • Table 49 M-Commerce by Category: Value 2020-2025
  • Table 50 M-Commerce by Category: % Value Growth 2020-2025
  • Table 51 Financial Cards: Number of Cards by Issuer 2020-2024
  • Table 52 Financial Cards: Number of Cards by Operator 2020-2024
  • Table 53 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
  • Table 54 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
  • Table 55 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
  • Table 56 Forecast Financial Cards by Category: Number of Accounts 2025-2030
  • Table 57 Forecast Financial Cards Transactions by Category: Value 2025-2030
  • Table 58 Forecast Financial Cards by Category: Number of Transactions 2025-2030
  • Table 59 Forecast Consumer Payments by Category: Value 2025-2030
  • Table 60 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
  • Table 61 Forecast M-Commerce by Category: Value 2025-2030
  • Table 62 Forecast M-Commerce by Category: % Value Growth 2025-2030
COUNTRY REPORTS
SOURCES
  • Summary 1 Research Sources