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Payment Card Yearbook - Austria 2018/2019

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  • January 2019
  • Region: Austria
  • Payments Cards and Mobile
  • ID: 4831651

Payment Organisations

  • Payment Services Austria (PSA)
  • STUZZA develops methods and standards for payment transfers.

Domestic Card Brands

  • None (Maestro is used as debit card brand, since 1998).
  • Phase-out of electronic purse Quick by end of July 2017.

Market Structure

  • Most bank cards are debit cards; most credit cards are charge cards. Maestro debit card use is the fastest growing market segment.
  • Bank Austria, Erste Bank and Raiffeisen, the major Austrian bank players, have built up large banking networks in the CEE/CIS region.
  • In 2016, the responsibility of the UniCredit CEE/CIS banking network was transferred from Bank Austria to UniCredit Group (I).
  • In 2015, significant restructuring process in the Volksbank sector. In 2017, merger of RBI and RZB in the Raiffeisen sector.
  • Emerging Open Banking ecosystem.

Notable Market Trends

  • MPOS terminals, HCE NFC payment pilots, Mobile Maestro,
  • Debit Mastercard cards, mobile banking apps, immediate payments

Statistical Key Figures for 2017 provided in this profile:

  • UPDATED: tables with card business data 2013-2017; growth rates: Y-o-Y, CAGR
  • Population, Cards per Capita, Card Value per Capita
  • Debit Cards, Credit/Delayed Debit Cards, Total Cards
  • Card payments by number and by value, ATV per card, payments per card/year
  • ATMs, POS terminals, ATMs/POS terminals per 1 million capita
  • ATM withdrawals by number/by value, ATV per withdrawal, TXs per ATM/month
  • POS payments by number/by value, ATV per POS payment, TXs per POS/month
  • Internet Use, e-payment mix, B2C e-Commerce by value and growth rate
  • Issued Card brands by individual major issuer bank
  • Accepted card brands by individual major acquirer
  • Drill down into the debit card use and credit cards use details

Companies Mentioned

  • Bank Austria
  • Erste Bank
  • Payment Services Austria
  • Raiffeisen
  • UniCredit Group
  • Volksbank


The publisher's research is collated over a year from Primary sources across all European and Eurasian markets. They use the ECB, BIS as well as annual reports from the European banks and listed companies, consulting platforms and major accounting firms along with a combined 100 years of experience in the payments industry analysing and commenting on the data.