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Pre-Paid Cards in Germany

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    Report

  • 27 Pages
  • January 2026
  • Region: Germany
  • Euromonitor International
  • ID: 1543226
Transaction volume and the number of pre-paid cards in the market continued to decline in 2025, due in large part to the phasing out of the Geldkarte function. Demand is now focused mainly of gift cards and transport, with consumers mostly turning to credit and debit cards or mobile wallets for everyday purchases, as well as travel and entertainment. On the positive side, there is seen to be potential in the rolling out of Bezahlkarten” (Payment Cards) for use by refugees.

This Pre-Paid 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: Closed Loop Pre-Paid Card Transactions, Open Loop Pre-Paid 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 Pre-Paid 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
  • Pre-paid cards disappearing from the market
INDUSTRY PERFORMANCE
  • Phasing out of Geldkarte function leads to decline in pre-paid cards in circulation
  • Transaction volumes decline as consumers switch to other payment methods
WHAT’S NEXT?
  • Legacy formats keep declining while multi-retailer gift cards set to gain share
  • Benefit cards could lift open loop volumes, but rollout and design remain uncertain
  • Digital delivery and acceptance will dictate what survives in the pre-paid market
COMPETITIVE LANDSCAPE
  • Public transport demand helps VDV retain its lead as Geldkarte is phased out
  • Transport retains an important role in card issuance
CATEGORY DATA
  • Table 1 Pre-paid Cards: Number of Cards in Circulation 2020-2025
  • Table 2 Pre-paid Cards Transactions 2020-2025
  • Table 3 Pre-paid Cards in Circulation: % Growth 2020-2025
  • Table 4 Pre-paid Cards Transactions: % Growth 2020-2025
  • Table 5 Closed Loop Pre-paid Cards Transactions 2020-2025
  • Table 6 Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025
  • Table 7 Open Loop Pre-paid Cards Transactions 2020-2025
  • Table 8 Open Loop Pre-paid Cards Transactions: % Growth 2020-2025
  • Table 9 Pre-paid Cards: Number of Cards by Issuer 2020-2024
  • Table 10 Pre-paid Cards: Number of Cards by Operator 2020-2024
  • Table 11 Pre-paid Cards Transaction Value by Issuer 2020-2024
  • Table 12 Pre-paid Cards Transaction Value by Operator 2020-2024
  • Table 13 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
  • Table 14 Closed Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
  • Table 15 Closed Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
  • Table 16 Closed Loop Pre-paid Cards Transaction Value by Operator 2020-2024
  • Table 17 Open Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
  • Table 18 Open Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
  • Table 19 Open Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
  • Table 20 Open Loop Pre-paid Cards Transaction Value by Operator 2020-2024
  • Table 21 Forecast Pre-paid Cards: Number of Cards in Circulation 2025-2030
  • Table 22 Forecast Pre-paid Cards Transactions 2025-2030
  • Table 23 Forecast Pre-paid Cards in Circulation: % Growth 2025-2030
  • Table 24 Forecast Pre-paid Cards Transactions: % Growth 2025-2030
  • Table 25 Forecast Closed Loop Pre-paid Cards Transactions 2025-2030
  • Table 26 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2025-2030
  • Table 27 Forecast Open Loop Pre-paid Cards Transactions 2025-2030
  • Table 28 Forecast Open Loop Pre-paid 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 29 Number of POS Terminals: Units 2020-2025
  • Table 30 Number of ATMs: Units 2020-2025
  • Table 31 Value Lost to Fraud 2020-2025
  • Table 32 Card Expenditure by Location 2025
  • Table 33 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
  • Table 34 Domestic versus Foreign Spend 2025
MARKET DATA
  • Table 35 Financial Cards by Category: Number of Cards in Circulation 2020-2025
  • Table 36 Financial Cards by Category: Number of Accounts 2020-2025
  • Table 37 Financial Cards Transactions by Category: Value 2020-2025
  • Table 38 Financial Cards by Category: Number of Transactions 2020-2025
  • Table 39 Consumer Payments by Category: Value 2020-2025
  • Table 40 Consumer Payments by Category: Number of Transactions 2020-2025
  • Table 41 M-Commerce by Category: Value 2020-2025
  • Table 42 M-Commerce by Category: % Value Growth 2020-2025
  • Table 43 Financial Cards: Number of Cards by Issuer 2020-2024
  • Table 44 Financial Cards: Number of Cards by Operator 2020-2024
  • Table 45 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
  • Table 46 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
  • Table 47 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
  • Table 48 Forecast Financial Cards by Category: Number of Accounts 2025-2030
  • Table 49 Forecast Financial Cards Transactions by Category: Value 2025-2030
  • Table 50 Forecast Financial Cards by Category: Number of Transactions 2025-2030
  • Table 51 Forecast Consumer Payments by Category: Value 2025-2030
  • Table 52 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
  • Table 53 Forecast M-Commerce by Category: Value 2025-2030
  • Table 54 Forecast M-Commerce by Category: % Value Growth 2025-2030
COUNTRY REPORTS
SOURCES
  • Summary 1 Research Sources