The ‘Czech Republic Cards and Payments: Opportunities and Risks to 2030' report provides detailed analysis of market trends in the Czech cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including card, cash, credit transfer, direct debits, and cheques during the review-period (2021-25e).
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 (2026f-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 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 (2026f-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 ‘Czech Republic Cards and Payments: Opportunities and Risks to 2030' report provides top-level market analysis, information and insights into the Czech cards and payments industry, including:
- Current and forecast values for each market in the Czech cards and payments industry, including debit, credit and charge cards.
- Detailed insights into payment instruments including card, cash, direct debits, credit transfer, 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 the Czech 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 the Czech cards and payments industry.
Key Highlights
- Instant payments are gaining traction in the Czech Republic. To increase the adoption further, in November 2025, the Czech National Bank (Česká národní banka [CNB]) enabled instant payment transfers for public institutions-such as tax authorities, the Czech Social Security Administration, and health insurance providers-to receive payments instantly, including taxes, fees, insurance contributions, and other public charges, available seven days a week, including weekends and public holidays. On a similar note, cross-boarder instant payments are gaining traction. To capitalize on this, the CNB is also taking initiatives to link the Czech Express Real-Time Interbank Gross Settlement (CERTIS) instant payment system with other European instant payment systems and analyze cross-border interoperability, with banks being required to accept instant euro payments by January 2027 and sending payments across the EU by July 2027.
- Innovative payments are being launched. For instance, in May 2025, the retail chain Albert introduced a terminal-free payment option in the Czech Republic. To use this method, customers install the Albert mobile app and activate the ‘pay via Cvak’ feature by linking it to their bank. When making a purchase, the payment is forwarded to the customer’s banking app for authorization and is completed as a bank transfer. The process provides direct, bank-linked settlement without reliance on conventional card-processing hardware.
- The POS terminals in the country are gradually growing, with the growing preference of card payments among the Czech consumers for card payments. To capitalize on the growing adoption of POS terminals, payment companies are launching new, cost-effective terminals especially for SMEs. For instance, in February 2025, Komercni bank launched the Tap to Pay solution; allowing merchants to accept contactless payments using their iPhone or Android smartphone.
Report Scope
- Card market size in terms of number of cards, value and volume of transactions in Czech republic 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, cash, credit transfers, 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 the Czech cards and payments industry and each market within it.
- Understand the key market trends and growth opportunities in the Czech cards and payments industry.
- Assess the competitive dynamics in the Czech cards and payments industry.
- Gain insights into marketing strategies used for various card types in the Czech Republic.
- Gain insights into key regulations governing the Czech cards and payments industry.
Table of Contents
1. Executive Summary2. Macroeconomics, Regulation, and Infrastructure
3. Payment Instruments
4. Card-Based Payments
5. Instant Payments
6. Digital Wallet Payments
7. Ecommerce Payments
8. Appendix
List of Tables
- Key facts, 2025
- Payment instrument transaction values (LCU), 2021-2030f
- Payment instrument transaction values ($), 2021-2030f
- Payment instrument transaction volumes (units), 2021-2030f
- Payment cards in circulation by type (units), 2021-2030f
- Volume of payment card transactions (units), 2021-2030f
- Value of payment card transactions (LCU), 2021-2030f
- Value of payment card transactions ($), 2021-2030f
- Debit cards in circulation (units), 2021-2030f
- Debit card transaction volumes, 2021-2030f
- Debit card transaction values (LCU), 2021-2030f
- Debit card transaction values ($), 2021-2030f
- Debit cards in circulation by scheme (units), 2021-25e
- Debit card transaction values by scheme (LCU), 2021-25e
- Debit card transaction values by scheme ($), 2021-25e
- Debit cards in circulation by issuer (units), 2021-25e
- Debit cards transaction value by issuer (LCU), 2021-25e
- Debit cards transaction value by issuer ($), 2021-25e
- Credit and charge cards in circulation (Units), 2021-2030f
- Credit and charge card transaction volumes, 2021-2030f
- Credit and charge card transaction values (units), 2021-2030f
- Credit and charge card transaction values ($), 2021-2030f
- Credit and charge cards in circulation by scheme (units), 2021-25e
- Credit and charge card transaction values by scheme (LCU), 2021-25e
- Credit and charge card transaction values by scheme ($), 2021-25e
- Credit and charge cards in circulation by issuer (units), 2021-25e
- Credit and charge cards transaction value by issuer (LCU), 2021-25e
- Credit and charge cards transaction value by issuer ($), 2021-25e
- Credit card in circulation (units), 2021-2030f
- Credit card transaction volumes, 2021-2030f
- Credit card transaction values (LCU), 2021-2030f
- Credit card transaction values ($), 2021-2030f
- Credit card in circulation by scheme (units), 2021-25e
- Credit card transaction values by scheme (LCU), 2021-25e
- Credit card transaction values by scheme ($), 2021-25e
- Charge card in circulation (units), 2021-2030f
- Charge card transaction volumes, 2021-2030f
- Charge card transaction values (LCU), 2021-2030f
- Charge card transaction values ($), 2021-2030f
- Charge card in circulation by scheme (units), 2021-25e
- Charge card transaction values by scheme (LCU), 2021-25e
- Charge card transaction values by scheme ($), 2021-25e
- Prepaid cards in circulation (units), 2021-2030f
- prepaid card transaction values (LCU), 2021-2030f
- prepaid card transaction values ($), 2021-2030f
- Prepaid card transaction volumes (units), 2021-2030f
- 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
- Mobile 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 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 card issuers by number of cards
- Credit card issuers by transaction value
- Pre-paid card schemes transaction value
- Pre-paid card schemes transaction volume
- Pre-paid card schemes number of cards
- Instant payments transaction value and volume
- E-commerce transaction value and ecommerce breakdown by mobile vs. desktop/laptop
Companies Mentioned (Partial List)
A selection of companies mentioned in this report includes, but is not limited to:
- Erste Bank
- Raiffeisenbank
- Societe Generale Group
- MONETA Money Bank
- KBC Bank
- UniCredit Bank
- Air Bank
- Equa Bank
- Mastercard
- Visa
- Diners Club
