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 inDM 250 Andere 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 © PaySys Consultancy GmbH 2018 1 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