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Payment Card Yearbook - Poland 2018/2019 - Product Image

Payment Card Yearbook - Poland 2018/2019

  • ID: 4831756
  • Report
  • January 2019
  • Region: Poland
  • Payments Cards and Mobile


  • Apple
  • Bank Pekao
  • BLIK
  • Blue Media
  • Express Elixir
  • Google
  • MORE

Payment Organisation

  • Polski Standard Platnosci, the BLIK operator.

Domestic Payment Brand

  • Card-less BLIK and P24 payment schemes.

Market Structure

  • The number of debit cards has grown slowly in recent years, while credit cards reached a peak of 33% of the cards total by end-2009, falling to 14.9% at end-2017.
  • Poland is one of the pioneers of contactless card payments. 94.6% of all POS terminals installed were contactless as at end-2017.
  • All banks issue contactless cards accounting for 79.6% of the cards total, and around 70% of all card payments were contactless.
  • Online bank transfers are the preferred online-payment services
  • With nearly 8.34 million cards, PKO BP is the largest issuer and the biggest bank, followed by Bank Pekao and mBank.
  • Capped domestic interchange fees include commercial cards.
  • In 2015, launch of a domestic card payment gateway, Inkart.
  • Two immediate payment systems are offered in Poland: bank-owned Express ELIXIR and BlueCash of FinTech Blue Media.
  • Emerging Open Banking ecosystem.

Notable Market Trends

  • HCE NFC payments, Apple pay, Google Pay, contactless ATMs, card-less mobile banking app 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
Note: Product cover images may vary from those shown
  • Apple
  • Bank Pekao
  • BLIK
  • Blue Media
  • Express Elixir
  • Google
  • mBank
  • PKO Bank Polski
Note: Product cover images may vary from those shown