Kartenmarkt 2008-2017 En-Auszug

Payment Cards in Germany 2008 - 2017

500 This document is an excerpt of some 450 50 400 ec-Karten pages and the table of content of the POZ Handel 45 350 ec cash Handel ec cash Tankstelle 40 publication „Payment Cards in Germany“ 300 35 100% Bankkarten 250 30 inMio. 90% The160.000 full publication can be ordered from 200 25 80% 140.000 150 Mio. in 20 Aggregiert Kreditkarten 70% 120.000 PaySys Concultancy. 100 VÖB 15 Zuwachs 60% 100.000 50 BdB 10 50% BVR Handelskundenkarten 80.000 0 5 DSGV 60.000 40% 1991 1992 1993 1994 1995 1996 1997 1998 1999

0 DM Tsd. in 40.000 30% GAA pro 1991 1992 1993 1994 1995 1996 1997 1998 1999 10.000 ec-Karten 20.000 Price on request 20% 0 10% -20.000 0% 1. Q 2. Q 3. Q 4. Q 1. Q 2. Q 3. Q 4. Q 1. Q 2. Q 3. Q 4. Q 1992 1993 1994 1995 1996 1997 1998 1999 Payment Cards in Germany 97 97 97 97 98 98 98 98 99 99 99 99 6.000

5.000 350 Statistics 2008 - 2017 4.000 300 Tankstelle 3.000 250 Andere inDM 2.000 200 December 2018 1.000

inTsd. 150 0 100 1992 1993 1994 1995 1996 1997 1998 1999 - VISA - Eurocard 50 PaySys Consultancy GmbH TeleCash Kaufhof Rest 0 400 4% 2% 3% Douglas Eurocard Wöhrl 21% 1991 1992 1993 1994 1995350 1996 1997 1998 1999 Visa Im Uhrig 7 4% Bofrost Amex 300 4% Diners Ikea 250 60433 Frankfurt 5% 200

in Tsd. Breuninger 150 7% Quelle 100 Tel.: +49 69 95 11 77 - 0 20% Eismann 50 7% 0 Comfort Card Karstadt 1990 1991 1992 1993 1994 1995 1996 1997 1998Fax: 1999 +49 69 52 10 90 8% 15% e-mail: [email protected] Internet: http://www.paysys.de

Payment Cards in Germany 2008 - 2017

CONTENTS

Summary tables ...... 7 No. of payment cards (debit cards, credit cards, etc.) ...... 8 Card types in percentage of total volume ...... 9 Market shares of payment cards and ATMs within the banking groups...... 10 Share of Card-POS-Turnover in % of Consumer Spendings* ...... 11 Share of Card-POS-turnover in % of consumer spendings* (2008-2017) ...... 12 Share of card-POS-volume of private Consumption in Germany (2008 – 2017) ...... 13 Card turnover at the POS in Germany (German and foreign cardholders) ...... 14 Growth rate of card-sales in Germany (Domestic and foreign cardholders) ...... 15 Growth of card turnover at POS in Germany (German and foreign cardholders) ...... 16 POS Transactions with payment cards in Germany (German and foreign cardholders) ...... 17 POS Transactions with payment cards in Germany: Retail vs. Fuel ...... 18 POS Spending volume with payment cards in Germany: German vs. foreign ch ...... 19 Usage per card: Debit cards versus credit cards (ATM/POS) ...... 20 Domestic scheme versus international card schemes: Sales issuing ...... 21 Domestic scheme versus inertanional card schemes: market shares (issuing) ...... 22 Credit cards ...... 23 Credit cards at year end (MasterCard, Visa, Amex, Diners) ...... 24 credit card merchants at year end (MasterCard, Visa, Amex, Diners) ...... 25 credit card turnover of German cardholders domestic and abroad ...... 26 © PaySys Consultancy GmbH 2018 2

Payment Cards in Germany 2008 - 2017

credit card turnover (POS and ATM) in Germany of domestic and foreign CH’s ...... 27 Cash Withdrawal Points (ATMs and Branch Counters) ...... 28 Credit card euro volume at the POS in Germany (German and foreign cardholders) ...... 29 Share of credit card volume at the POS (retail vs. outside retail) ...... 30 POS Credit card transactions in Germany (German and foreign cardholders) ...... 31 Credit card euro volume of German cards domestic and abroad (incl. cash) ...... 32 Credit card transactions of German cards domestic and abroad (incl. cash) ...... 33 Average volume per card per annum (POS + ATM) ...... 34 Average euro volume per merchant (German and foreign cardholders) p.a...... 35 Average transaction value (German cards domestic and abroad)...... 36 TOP 10 issuers of German credit cards (MasterCard/VISA 2017) ...... 37 TOP 10 issuers of German MasterCard (2017) ...... 38 TOP 10 issuers of German Visa Cards (2017) ...... 39 Market shares of banking groups in credit card issuing (2017) ...... 40 Development Market shares of banking groups in credit card issuing ...... 41 Break down of euro volume and transactions per ∅ cardholder in 2017 (Visa and MC) ...... 42 Debit cards ...... 43 No. of debit cards for international use ...... 44 Co-Branding of the German debit card „girocard“ ...... 45 No. of debit cards issued by banking group ...... 45 No. of debit cards per current account by banking group ...... 46 No. of debit cards issued by banking group ...... 46 Total transaction volume of German debit cards ...... 47 © PaySys Consultancy GmbH 2018 3

Payment Cards in Germany 2008 - 2017

POS terminals at the end of the year (ec cash and POZ) ...... 48 Domestic POS-transactions of German debit cards ...... 49 Share of offline authorised ec cash chip transactions ...... 50 POS-transactions per terminal p.a. (electronic cash) ...... 51 POS-transactions per debit card p.a...... 52 POS-transactions per card and terminal (electronic cash) ...... 53 Domestic POS-Euro volume of German debit cards ...... 54 POS-Euro volume per debit card p.a...... 55 Average value of POS-transactions (domestic) ...... 56 ELV Turnover: Retail-Segment (source: EHI) versus Total Market ...... 57 ATMs ...... 58 Number of ATMs in Germany by banking group ...... 59 International branded ATM-only savings cards (Cirrus & Visa PLUS) ...... 60 Transactions at German ATMs ...... 61 ATM transactions p.a. per debit card and per ATM ...... 62 ATMs per card by banking groups ...... 63 Cross border usage ...... 64 German cards abroad ...... 65 Foreign cards in Germany ...... 66 No. of ATM-Withdrawals with German cards abroad ...... 67 ATM-volume (€) of German cardholders abroad ...... 68 No. of POS-transactions of German cardholders abroad ...... 69

Payment Cards in Germany 2008 - 2017

POS-volume (€) of German Cardholders Abroad ...... 70 ATM-Withdrawals of Foreign Cardholders in Germany ...... 71 ATM-volume (€) of foreign cardholders in Germany ...... 72 No. of POS-transactions of foreign cardholders in Germany ...... 73 POS-volume (€) of foreign cardholders in Germany ...... 74 E-Money (prepaid) ...... 75 E-Money volume of German card- and accountholder in Germany and abroad ...... 76 E-Money volume German card-/accountholder in Germany & abroad (excl. PayPal) ...... 77 Number of cards issued (loaded vs. not loaded) ...... 78 Installed POS-terminals for GeldKarte ...... 79 GeldKarte transactions (loading and payment) ...... 80 GeldKarte-sales volume (€) ...... 81 GeldKarte Average transaction value (payment and loading) ...... 82 Sales volume and sales transactons per active card* ...... 83 Private Label Cards with payment function ...... 84 Private Label Cards with Payment Function by sectors (2017) ...... 85 No. of store cards with payment function ...... 86 Store cards with payment function by issuer (2017) ...... 87 Appendix: Bundesbank/ECB-Statistics vs. PaySys-Statistics ...... 88 Card sales turnover of German cards domestic and abroad (2017) ...... 89 Card sales turnover of German cards domestic and abroad ...... 90 Card sales turnover in Germany (domestic and foreign cardholders) ...... 91

Payment Cards in Germany 2008 - 2017

Abbreviations and Glossary ...... 92 Sources: Deutsche Bundesbank, European Central Bank, Statistisches Bundesamt, company communications (issuers, acquirers, network provider etc.), EHI, journals and magazines (e.g. Source), own research, estimates and calculations.

Foreword to the 2018 edition:

Compared to the previous year, the number of graphics in the "GeldKarte" section was significantly reduced due to the declining market importance of this product. The section was renamed "E-money (prepaid)" and supplemented with market data for other e-money products (prepaid credit cards, PayPal, etc.).

In addition, the statistics were expanded to include a direct comparison of the turnover data and market shares of the domestic ec cash system ("domestic card scheme") and the international card schemes.

IMPORTANT NOTE:

The definition of debit and credit card is brand-related: - Credit card: Mastercard, Visa, American Express, Diners Club, UP, JCP - Debit card: girocard, Maestro, V PAY

Due to new sources, several former figures of the period before 2017 have been revised. The data of the Public Banks Association (VÖB) are no longer listed separately. The figures of the Postbank are part of the BdB (Private Banks) figures.

Payment Cards in Germany 2008 - 2017

SUMMARY TABLES

Payment Cards in Germany 2008 - 2017

NO. OF PAYMENT CARDS (DEBIT CARDS , CREDIT CARDS , ETC .)

The number of cards in the overall statistics always refers to the number of cards issued in Germany! Store cards: private label cards with payment functions (also see chapter “Private Label Cards” for details)

Payment Cards in Germany 2008 - 2017

SHARE OF CARD -POS -TURNOVER IN % OF CONSUMER SPENDINGS *

2016: approx. EUR 945 bn

* Consumer spendings without expenses which are usually paid via direct debit or credit transfer (e.g. rent, insurance, etc.)

Payment Cards in Germany 2008 - 2017

CARD TURNOVER AT THE POS IN GERMANY (G ERMAN AND FOREIGN CARDHOLDERS )

Payment Cards in Germany 2008 - 2017

GROWTH RATE OF CARD -SALES IN GERMANY (D OMESTIC AND FOREIGN CARDHOLDERS )

Payment Cards in Germany 2008 - 2017

CREDIT CARDS

Payment Cards in Germany 2008 - 2017

CREDIT CARD TURNOVER (POS AND ATM) IN GERMANY OF DOMESTIC AND FOREIGN CH’ S

Payment Cards in Germany 2008 - 2017

DEBIT CARDS

Important Information:

For the year 2015 the turnover and transaction data for ec cash of the DK statistics are not accepted for plausibility reasons. The data used here is the result of a calculation of the data of the ec cash network providers

Ec cash: Including the still marginal turnover of German cardholders in neighbouring countries (e.g. Austria).

Payment Cards in Germany 2008 - 2017

NO. OF DEBIT CARDS FOR INTERNATIONAL USE

Payment Cards in Germany 2008 - 2017

POS TERMINALS AT THE END OF THE YEAR (EC CASH AND POZ)

Payment Cards in Germany 2008 - 2017

DOMESTIC POS -TRANSACTIONS OF GERMAN DEBIT CARDS

(ec cash 2004 - 2007: incl. offline transactions)

Payment Cards in Germany 2008 - 2017

ELV TURNOVER : RETAIL -SEGMENT (SOURCE : EHI) VERSUS TOTAL MARKET

Payment Cards in Germany 2008 - 2017

ATMS

Payment Cards in Germany 2008 - 2017

NUMBER OF ATM S IN GERMANY BY BANKING GROUP

Payment Cards in Germany 2008 - 2017

E-MONEY (PREPAID )

Payment Cards in Germany 2008 - 2017

NUMBER OF CARDS ISSUED (LOADED VS . NOT LOADED )

Payment Cards in Germany 2008 - 2017

PRIVATE LABEL CARDS WITH PAYMENT FUNCTION

Note: Due to new sources regarding fuel cards, some figures of the period before 2011 have been revised.

Definition of store cards: Cards with payment function, which are issued by retailers to consumers or small business for consumptive purposes and for which the payment function is provided by the merchant, i.e. not by a bank card brand. Not included in private label cards are co-branded bank cards with credit or debit function (Visa, Mastercard, Maestro, etc.), loyalty cards without payment function, loyalty cards with GeldKarte function or multi merchant city cards. Also not included are cards, where the payment function plays a negligible role. The PayBack Plus card and the Comfort Card are enclosed up to the migration to the re-branding under Maestro.

Payment Cards in Germany 2008 - 2017

PRIVATE LABEL CARDS WITH PAYMENT FUNCTION BY SECTORS (201 7)