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Debit Cards in Germany

  • PDF Icon

    Report

  • 22 Pages
  • January 2026
  • Region: Germany
  • Euromonitor International
  • ID: 1543116
Strong investment in driving a shift towards contactless and cashless payments led to strong growth in debit card transactions in 2025. This was further supported by Apple opening up its tap function to more apps, which led to an increase in banks and payment providers being able to offer Tap to Pay functions through Apple’s products. Banks responded to the growing shift towards Tap to Pay by replacing older cards with products that can be used for all purposes.

This Debit Card Transactions in Germany 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 Debit Card Transactions, Personal Debit 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 Debit 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 FINDINGS
2025 DEVELOPMENTS
  • Banks respond to the shift towards Tap to Pay
INDUSTRY PERFORMANCE
  • Banks replace older cards to support Tap to Pay functionality
  • Shift to contactless payments fuels strong growth in debit card transactions
WHAT’S NEXT?
  • Everyday debit card use set to deepen as mobile acceptance broadens
  • Instant payments and “wero” set to broaden pay-by-bank options
  • Access to mobile wallets set to improve alongside increased security measures
COMPETITIVE LANDSCAPE
  • Sparkassen expands access and usage
  • N26 regains growth momentum with focus on instant digital issuance
CATEGORY DATA
  • Table 1 Debit Cards: Number of Cards in Circulation 2020-2025
  • Table 2 Debit Cards Transactions 2020-2025
  • Table 3 Debit Cards in Circulation: % Growth 2020-2025
  • Table 4 Debit Cards Transactions: % Growth 2020-2025
  • Table 5 Debit Cards: Number of Cards by Issuer 2020-2024
  • Table 6 Debit Cards: Number of Cards by Operator 2020-2024
  • Table 7 Debit Cards Payment Transaction Value by Issuer 2020-2024
  • Table 8 Debit Cards Payment Transaction Value by Operator 2020-2024
  • Table 9 Forecast Debit Cards: Number of Cards in Circulation 2025-2030
  • Table 10 Forecast Debit Cards Transactions 2025-2030
  • Table 11 Forecast Debit Cards in Circulation: % Growth 2025-2030
  • Table 12 Forecast Debit Cards Transactions: % Growth 2025-2030
COUNTRY REPORTSFINANCIAL CARDS AND PAYMENTS IN GERMANY
EXECUTIVE SUMMARY
  • Financial cards market showing signs of consolidation
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
  • Card portfolios shift toward wallet-ready debit cards as legacy formats fade
  • Phone-first payments and Tap to Pay broaden acceptance
  • Partnerships simplify product sets
WHAT’S NEXT?
  • Focus set to remain on debit cards for everyday purchases
  • Card holders set to benefit from a simpler and more secure online experience
COMPETITIVE LANDSCAPE
  • Sparkassen remains the leading card issuer thanks to wide reach
  • Hanseatic finds success with streamlined operations and services
MARKET INDICATORS
  • Table 13 Number of POS Terminals: Units 2020-2025
  • Table 14 Number of ATMs: Units 2020-2025
  • Table 15 Value Lost to Fraud 2020-2025
  • Table 16 Card Expenditure by Location 2025
  • Table 17 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
  • Table 18 Domestic versus Foreign Spend 2025
MARKET DATA
  • Table 19 Financial Cards by Category: Number of Cards in Circulation 2020-2025
  • Table 20 Financial Cards by Category: Number of Accounts 2020-2025
  • Table 21 Financial Cards Transactions by Category: Value 2020-2025
  • Table 22 Financial Cards by Category: Number of Transactions 2020-2025
  • Table 23 Consumer Payments by Category: Value 2020-2025
  • Table 24 Consumer Payments by Category: Number of Transactions 2020-2025
  • Table 25 M-Commerce by Category: Value 2020-2025
  • Table 26 M-Commerce by Category: % Value Growth 2020-2025
  • Table 27 Financial Cards: Number of Cards by Issuer 2020-2024
  • Table 28 Financial Cards: Number of Cards by Operator 2020-2024
  • Table 29 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
  • Table 30 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
  • Table 31 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
  • Table 32 Forecast Financial Cards by Category: Number of Accounts 2025-2030
  • Table 33 Forecast Financial Cards Transactions by Category: Value 2025-2030
  • Table 34 Forecast Financial Cards by Category: Number of Transactions 2025-2030
  • Table 35 Forecast Consumer Payments by Category: Value 2025-2030
  • Table 36 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
  • Table 37 Forecast M-Commerce by Category: Value 2025-2030
  • Table 38 Forecast M-Commerce by Category: % Value Growth 2025-2030
COUNTRY REPORTS
SOURCES
  • Summary 1 Research Sources