Credit Cards in Germany

The European Central Bank's (ECB) recent interest rate hikes, aimed at combating inflation, impacted consumer spending and credit card usage in Germany in 2024, which slowed compared to the previous year. However, as it succeeded in easing inflation, the Governing Council of the ECB decided to cut three key ECB interest rates by 25 percentage points in February 2025. Higher borrowing costs have made consumers more cautious about utilising traditional credit facilities, including credit cards.

The Credit 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 Credit Card Transactions, Personal Credit 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 Credit 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.