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Store Cards in Germany

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    Report

  • 21 Pages
  • January 2026
  • Region: Germany
  • Euromonitor International
  • ID: 1543261
Store cards are rapidly losing relevance as consumers shift to debit and credit cards and mobile wallets, while retailers show a growing preference for apps and alternative payment options. The market is seen to have little future potential with retailers expected to increasingly steer consumers towards co-branded cards and apps, while consumers are expected to focus on streamlining their wallets.

This Store 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.

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

Why buy this report?

  • Get a detailed picture of the Store 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
  • Store cards disappearing from the market with little hope of a revival in fortunes
INDUSTRY PERFORMANCE
  • Store cards give way to retailer apps and co-branded payment cards
  • Store cards lose relevance in an increasingly digital world
WHAT’S NEXT?
  • Store card transactions set for continued decline as retailer apps take the lead
  • Co-branded, wallet-ready cards become the preferred retailer payment model
  • Security, new standards and softPOS make app checkouts smoother and greener
COMPETITIVE LANDSCAPE
  • Strongest players win through digital engagement, not plastic
  • Simple rewards, digital receipts and wallet provisioning drive adoption
CATEGORY DATA
  • Table 1 Store Cards: Number of Cards in Circulation 2020-2025
  • Table 2 Store Cards Transactions 2020-2025
  • Table 3 Store Cards in Circulation: % Growth 2020-2025
  • Table 4 Store Cards Transactions: % Growth 2020-2025
  • Table 5 Store Cards: Number of Cards by Issuer 2020-2024
  • Table 6 Store Cards: Payment Transaction Value by Issuer 2020-2024
  • Table 7 Forecast Store Cards: Number of Cards in Circulation 2025-2030
  • Table 8 Forecast Store Cards Transactions 2025-2030
  • Table 9 Forecast Store Cards in Circulation: % Growth 2025-2030
  • Table 10 Forecast Store 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 11 Number of POS Terminals: Units 2020-2025
  • Table 12 Number of ATMs: Units 2020-2025
  • Table 13 Value Lost to Fraud 2020-2025
  • Table 14 Card Expenditure by Location 2025
  • Table 15 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
  • Table 16 Domestic versus Foreign Spend 2025
MARKET DATA
  • Table 17 Financial Cards by Category: Number of Cards in Circulation 2020-2025
  • Table 18 Financial Cards by Category: Number of Accounts 2020-2025
  • Table 19 Financial Cards Transactions by Category: Value 2020-2025
  • Table 20 Financial Cards by Category: Number of Transactions 2020-2025
  • Table 21 Consumer Payments by Category: Value 2020-2025
  • Table 22 Consumer Payments by Category: Number of Transactions 2020-2025
  • Table 23 M-Commerce by Category: Value 2020-2025
  • Table 24 M-Commerce by Category: % Value Growth 2020-2025
  • Table 25 Financial Cards: Number of Cards by Issuer 2020-2024
  • Table 26 Financial Cards: Number of Cards by Operator 2020-2024
  • Table 27 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
  • Table 28 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
  • Table 29 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
  • Table 30 Forecast Financial Cards by Category: Number of Accounts 2025-2030
  • Table 31 Forecast Financial Cards Transactions by Category: Value 2025-2030
  • Table 32 Forecast Financial Cards by Category: Number of Transactions 2025-2030
  • Table 33 Forecast Consumer Payments by Category: Value 2025-2030
  • Table 34 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
  • Table 35 Forecast M-Commerce by Category: Value 2025-2030
  • Table 36 Forecast M-Commerce by Category: % Value Growth 2025-2030
COUNTRY REPORTS
SOURCES
  • Summary 1 Research Sources