+353-1-416-8900REST OF WORLD
+44-20-3973-8888REST OF WORLD
1-917-300-0470EAST COAST U.S
1-800-526-8630U.S. (TOLL FREE)

Payment Card Yearbook - Czechia 2018/2019

  • PDF Icon


  • January 2019
  • Region: Global
  • Payments Cards and Mobile
  • ID: 4831670

Payment Organisation

  • SBK Czech Bank Card Association (SBK/BCA).

Domestic Payment Brand

  • No domestic card scheme

Market Structure

  • Continued growth of card use. By end-2017, there were 11.7 million cards with 84.0 card payments per capita.
  • Cards issued are credit cards, debit cards, prepaid cards. 83.5% of cards are debit cards that are increasingly used. According to SBK/BCA, 83.3% of cards were contactless cards at end-2017.
  • The largest Czech banks are owned by European bank groups: ČSOB by KBC (B), Komerční Banka by Société Générale (F), Česká spořitelna by Erste Group (A), and UniCredit Bank (I).
  • The three large banks dominate the market, with Česká spořitelna accounting for 24.2% of cards issued.
  • Reshaped Czech acquirer market: in 2016, acquiring joint ventures were established: REVO (Raiffeisen/EVO Payments), Erste/Global Payments, KB SmartPay (Komerční Banka/Worldline).
  • Emerging Open Banking ecosystem.

Notable Market Trends

  • Rollout: contactless cards, POS terminals, MPOS terminals,
  • HCE NFC payments, banking apps, digital wallet MasterPass.

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

  • Czech Bank
  • Erste Group
  • EVO Payments
  • Global Payments
  • KBC Bank
  • Komerční Banka
  • Raiffeisen
  • Société Générale
  • UniCredit Bank
  • Worldline
  • Česká spořitelna
  • ČSOB


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.