Poland Cards and Payments: Opportunities and Risks to 2030

Summary

The analyst’s ‘Poland Cards and Payments: Opportunities and Risks to 2030' report provides detailed analysis of market trends in Poland cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including debit, credit and charge cards during the review-period (2022-26e).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2026e-30f). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together the analyst’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.

The analyst’s ‘Poland Cards and Payments: Opportunities and Risks to 2030' report provides top-level market analysis, information and insights into Poland cards and payments industry, including:

Current and forecast values for each market in Poland cards and payments industry, including debit, credit and charge cards.
Detailed insights into payment instruments including cards, credit transfer, cash, direct debits and cheques. It also, includes an overview of the country's key alternative payment instruments.
Ecommerce market analysis.
Analysis of various market drivers and regulations governing Poland cards and payments industry.
Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
Comprehensive analysis of consumer attitudes and buying preferences for cards.
The competitive landscape of Poland cards and payments industry.

Key Highlights

In March 2024, the EU adopted the Instant Payments Regulation to accelerate the adoption of real-time euro payments across the region. The regulation requires payment service providers (PSPs) to enable instant euro credit transfers 24 hours a day and seven days a week. In non-euro countries, such as Poland, PSPs must be able to receive instant euro payments by January 2027 and send them by July 2027. To comply with these requirements, Poland has updated its Payment Services Act; introducing new obligations for PSPs and electronic money institutions, including access to Single Euro Payments Area (SEPA) instant payment systems, stronger customer fund protection, and regulatory oversight by the Polish Financial Supervision Authority.
In July 2025, Visa launched Visa Mobile in Poland, in partnership with PKO Bank Polski and the Polish ecommerce platform Allegro. The solution enables consumers to complete online purchases by confirming payments using only their registered cell phone number; eliminating the need to manually enter payment card details.
Payment companies are enhancing their presence in Poland through strategic partnerships and acquisitions. In September 2025, Mastercard announced a partnership with NCR Atleos (a provider of self-service banking solutions) and the Polish payment processor ITCARD to optimize contactless experiences at ATMs. This collaboration will enable cardholders to withdraw cash using a mobile device. The Consumer Device Cardholder Verification Method simplifies this process by verifying a card holder’s identity through their mobile device for contactless payments. The consumer authenticates on their phone before tapping the ATM to initiate the transaction; streamlining interactions at the ATM by eliminating the need for a physical wallet, plastic card or PIN.

Scope

Card market size in terms of number of cards, value and volume of transactions in Poland along with detailed card segmentation of debit, credit and charge cards available in the country.
Market sizing and analysis of major payment instruments including cards, credit transfer, cash, direct debits and cheques.
Payment market trends and growth for both historical and forecast period
Competitor analysis with detailed insights into leading card issuers and schemes.
Comprehensive analysis of consumer attitudes and buying preferences for cards.
A detailed snapshot of country's key alternative payment brands.

Reasons to Buy

Make strategic business decisions, using top-level historic and forecast market data, related to Poland cards and payments industry and each market within it.
Understand the key market trends and growth opportunities in Poland cards and payments industry.
Assess the competitive dynamics in Poland cards and payments industry.
Gain insights into marketing strategies used for various card types in Poland.
Gain insights into key regulations governing Poland cards and payments industry.

1. Executive Summary

2. Market Overview

3. Macroeconomics, Regulation, and Infrastructure

4. Payment Instruments

5. Card-Based Payments

6. Card Payment Acquiring

7. Instant Payments

8. 8.Digital Wallet Payments

9. Buy Now Pay Later

10. Retail Payments

11. In-Store Payments

12. Ecommerce Payments

13. Bill Payments

14. P2P and Remittances

15. Appendix

List of Tables

Key facts, 2026
Payment instrument transaction values (LCU), 2022-2030f
Payment instrument transaction values ($), 2022-2030f
Payment instrument transaction volumes (units), 2022-2030f
Payment cards in circulation by type (units), 2022-2030f
Volume of payment card transactions (units), 2022-2030f
Value of payment card transactions (LCU), 2022-2030f
Value of payment card transactions ($), 2022-2030f
Debit cards in circulation (units), 2022-2030f
Debit card transaction volumes, 2022-2030f
Debit card transaction values (LCU), 2022-2030f
Debit card transaction values ($), 2022-2030f
Debit cards in circulation by scheme (units), 2022-26e
Debit card transaction values by scheme (LCU), 2022-26e
Debit card transaction values by scheme ($), 2022-26e
Debit cards in circulation by issuer (units), 2022-26e
Debit cards transaction value by issuer (LCU), 2022-26e
Debit cards transaction value by issuer ($), 2022-26e
Credit and charge cards in circulation (Units), 2022-2030f
Credit and charge card transaction volumes, 2022-2030f
Credit and charge card transaction values (units), 2022-2030f
Credit and charge card transaction values ($), 2022-2030f
Credit and charge cards in circulation by scheme (units), 2022-26e
Credit and charge card transaction values by scheme (LCU), 2022-26e
Credit and charge card transaction values by scheme ($), 2022-26e
Credit and charge cards in circulation by issuer (units), 2022-26e
Credit and charge cards transaction value by issuer (LCU), 2022-26e
Credit and charge cards transaction value by issuer ($), 2022-26e
Credit card in circulation (units), 2022-2030f
Credit card transaction volumes, 2022-2030f
Credit card transaction values (LCU), 2022-2030f
Credit card transaction values ($), 2022-2030f
Credit card in circulation by scheme (units), 2022-26e
Credit card transaction values by scheme (LCU), 2022-26e
Credit card transaction values by scheme ($), 2022-26e
Charge card in circulation (units), 2022-2030f
Charge card transaction volumes, 2022-2030f
Charge card transaction values (LCU), 2022-2030f
Charge card transaction values ($), 2022-2030f
Charge card in circulation by scheme (units), 2022-26e
Charge card transaction values by scheme (LCU), 2022-26e
Charge card transaction values by scheme ($), 2022-26e
Prepaid cards in circulation (units), 2022-2030f
Prepaid card transaction values (LCU), 2022-2030f
Prepaid card transaction values ($), 2022-2030f
Prepaid card transaction volumes (units), 2022-2030f
Merchant acquiring transaction volumes (units), 2022-2030f
Merchant acquiring transaction values (LCU), 2022-2030f
Merchant acquiring transaction values ($), 2022-2030f
Acquirers’ transaction volumes (units), 2022-26e
Acquirers’ transaction values (LCU), 2022-26e
Acquirers’ transaction values ($), 2022-26e
Retail outlets and card-accepting merchants (units), 2022-2030f
Debit card average interchange fees (%), 2022-26e
Credit and charge card average interchange fees (%), 2022-26e
Debit card merchant service charge and interchange fee (%), 2022-2030f
Credit and charge card merchant service charge and interchange fee (%), 2022-2030f
Retail market by product categories (LCU), 2022-2030f
Retail market by product categories ($), 2022-2030f

List of Figures

Card penetration per inhabitant
Average number of monthly card transactions
POS terminals per 1,000 inhabitants
Inflation rate
GDP growth rate
Unemployment rate
Average annual wages
Total population
Banked population
Internet penetration
Cell phone penetration
Number of ATMs and ATMs per 1 million inhabitants
Number of POS terminals and POS terminals per 1 million inhabitants
Payment istrument transaction volume (paper-based vs electronic payments)
Payment instruments transaction value
Payment instruments transaction volume
Cross-border payment value
Cross-border payment Volume
Payment cards number of cards in circulation
Payment cards card penetration per individual, by card type
Payment cards value of card transactions
Payment cards volume of card transactions
Payments card value physical POS vs. remote
Payments card volume physical POS vs. remote
Payments value domestic vs. cross-border
Payments volume domestic vs. cross-border
Debit card share of transaction value
Credit and charge card share of transaction value
Debit card frequency of payments and average transaction value
Debit card ATM withdrawals frequency of use and average transaction value
Debit card schemes transaction value
Debit card schemes transaction volume
Debit card schemes market share in terms of transaction value
Debit card issuers by number of cards
Debit card issuers by transaction value share
Credit and charge card frequency of payments and average transaction value
Credit and charge card ATM withdrawals frequency of use and average transaction value
Credit and charge card schemes transaction value
Credit and charge card schemes transaction volume
Credit and charge card schemes market share in terms of transaction value
Credit and charge card issuers by number of cards
Credit and charge card issuers by transaction value share
Credit card balances outstanding
Credit card balances outstanding repayment schedule
Number of prepaid cards, value and volume
Prepaid card usage drivers
Card payment acquiring transaction value and volume
Card Payment Acquiring - Debit card transaction value and market share by transaction value
Card Payment Acquiring - Credit and charge card transaction value and market share by transaction value
Debit card average interchange fees (%)
Credit and charge card average interchange fees (%)
Debit card merchant service charge and interchange fee (%)
Credit and charge card merchant service charge and interchange fee (%)
Instant payments transaction value
Instant payments transaction volume
Digital wallet transaction value
Digital wallet transaction volume
Mobile Proximity Payments usage drivers
Mobile Proximity Payments funding methods
BNPL online transaction value and transaction volume
BNPL share of overall ecommerce transaction value
Preferred BNPL brand/tool for in-store and online payments
Retail sales
In-store transaction value by payment method
In-store payment tool usage drivers
In-store transaction value by products and services
Ecommerce transaction value and ecommerce breakdown by mobile vs. desktop/laptop
Ecommerce market by product and services
Ecommerce market by payment tools
Online payment tool usage drivers
Bill Payments - Breakdown by payment tools
Bill Payments- Frequency of bill payments
P2P Payments - Domestic and International P2P money transfers and top priorities for P2P tools
Value of inward and outward remittances
Top 10 countries for inward and onward remittances

Companies Mentioned (Partial List)

A selection of companies mentioned in this report includes, but is not limited to:

PKO Bank Polski
Erste Bank Polska
mBank
Bank Pekao
Millennium Bank
ING Bank
BNP Paribas
Velo bank
Alior Bank
Credit Agricole
Santander polska
Citibank Handlowy
Mastercard
Visa

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