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Credit Cards in Germany

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    Report

  • 24 Pages
  • January 2026
  • Region: Germany
  • Euromonitor International
  • ID: 2315970
Credit card issuers and operators in Germany are focused on providing a fast and frictionless payment journey. Rather than pushing for a share of everyday POS purchases the focus has been on driving digital payments, travel and e-commerce. Improved acceptance at small merchants through Tap to Pay on iPhone and other softPOS options has also been a game changer, with consumers now able to use their credit cards more widely.

This 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.

Table of Contents

KEY DATA FINDINGS
2025 DEVELOPMENTS
  • Credit card usage focuses on e-commerce, travel and subscriptions
INDUSTRY PERFORMANCE
  • Credit cards repositioned toward online payments, travel and subscriptions
  • Improved access and acceptance boosts credit card transactions
WHAT’S NEXT?
  • Card usage set to gradually normalise as rates stabilise
  • Online checkout set to become token-first and low friction
  • Mobile wallets and softPOS expanding acceptance
COMPETITIVE LANDSCAPE
  • Commercial credit providers expand via virtual cards and tighter controls
  • Speed of issuance and frictionless payments key to success
CATEGORY DATA
  • Table 1 Credit Cards: Number of Cards in Circulation 2020-2025
  • Table 2 Credit Cards Transactions 2020-2025
  • Table 3 Credit Cards in Circulation: % Growth 2020-2025
  • Table 4 Credit Cards Transactions: % Growth 2020-2025
  • Table 5 Commercial Credit Cards: Number of Cards in Circulation 2020-2025
  • Table 6 Commercial Credit Cards Transactions 2020-2025
  • Table 7 Commercial Credit Cards in Circulation: % Growth 2020-2025
  • Table 8 Commercial Credit Cards Transactions: % Growth 2020-2025
  • Table 9 Personal Credit Cards: Number of Cards in Circulation 2020-2025
  • Table 10 Personal Credit Cards Transactions 2020-2025
  • Table 11 Personal Credit Cards in Circulation: % Growth 2020-2025
  • Table 12 Personal Credit Cards Transactions: % Growth 2020-2025
  • Table 13 Credit Cards: Number of Cards by Issuer 2020-2024
  • Table 14 Credit Cards: Number of Cards by Operator 2020-2024
  • Table 15 Credit Cards Payment Transaction Value by Issuer 2020-2024
  • Table 16 Credit Cards Payment Transaction Value by Operator 2020-2024
  • Table 17 Commercial Credit Cards: Number of Cards by Issuer 2020-2024
  • Table 18 Commercial Credit Cards: Number of Cards by Operator 2020-2024
  • Table 19 Commercial Credit Cards Payment Transaction Value by Issuer 2020-2024
  • Table 20 Commercial Credit Cards Payment Transaction Value by Operator 2020-2024
  • Table 21 Personal Credit Cards: Number of Cards by Issuer 2020-2024
  • Table 22 Personal Credit Cards: Number of Cards by Operator 2020-2024
  • Table 23 Personal Credit Cards Payment Transaction Value by Issuer 2020-2024
  • Table 24 Personal Credit Cards Payment Transaction Value by Operator 2020-2024
  • Table 25 Forecast Credit Cards: Number of Cards in Circulation 2025-2030
  • Table 26 Forecast Credit Cards Transactions 2025-2030
  • Table 27 Forecast Credit Cards in Circulation: % Growth 2025-2030
  • Table 28 Forecast Credit Cards Transactions: % Growth 2025-2030
  • Table 29 Forecast Commercial Credit Cards: Number of Cards in Circulation 2025-2030
  • Table 30 Forecast Commercial Credit Cards Transactions 2025-2030
  • Table 31 Forecast Commercial Credit Cards in Circulation: % Growth 2025-2030
  • Table 32 Forecast Commercial Credit Cards Transactions: % Growth 2025-2030
  • Table 33 Forecast Personal Credit Cards: Number of Cards in Circulation 2025-2030
  • Table 34 Forecast Personal Credit Cards Transactions 2025-2030
  • Table 35 Forecast Personal Credit Cards in Circulation: % Growth 2025-2030
  • Table 36 Forecast Personal Credit Cards Transactions: % Growth 2025-2030
FINANCIAL 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 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