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Financial Cards and Payments in Argentina

Publisher Euromonitor International
Published Feb 06, 2026
Length 64 Pages
SKU # EP20870761

Description

Transaction values showed strong growth in financial cards and payments in Argentina in 2025, with cards in circulation also showing small positive growth. Overall, this is attributed to the growth of debit cards, which are issued when new bank accounts are opened, and credit cards, which are seeing active promotions by banks. Inflation also came down in 2025, after significant spikes seen into triple-figures in the recent review period. Meanwhile, charge cards remain niche; pre-paid cards are s...

Euromonitor International's Financial Cards and Payments in Argentina report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Financial Cards in Circulation, Mobile Payments, Transactions.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?
* Get a detailed picture of the Financial Cards and Payments market;
* Pinpoint growth sectors and identify factors driving change;
* Understand the competitive environment, the market’s major players and leading brands;
* Use five-year forecasts to assess how the market is predicted to develop.

Table of Contents

64 Pages
Financial Cards and Payments in Argentina
Euromonitor International
February 2026
List Of Contents And Tables
FINANCIAL CARDS AND PAYMENTS IN ARGENTINA
EXECUTIVE SUMMARY
Positive growth in financial cards and payments, thanks to stabilising inflation and numbers of cards increasing
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
The number of cards in circulation is increasing, mainly due to debit and credit cards
Increased use of electronic wallets to the detriment of cash
Greater concentration in the private banking sector, with Mercado Pago advancing towards a banking license
WHAT’S NEXT?
Growth will continue for both physical and virtual cards, supported by increasing use of digital wallets
Open Finance System will enable easier access to various payment instruments
AI innovations set to revolutionise the entire payment system
COMPETITIVE LANDSCAPE
Banco de la Nación Argentina remains the leading issuer and Visa Inc remains the leading operator
Tarjeta Naranja and Ualá show dynamism
MARKET INDICATORS
Table 1 Number of POS Terminals: Units 2020-2025
Table 2 Number of ATMs: Units 2020-2025
Table 3 Value Lost to Fraud 2020-2025
Table 4 Card Expenditure by Location 2025
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
Table 6 Domestic versus Foreign Spend 2025
MARKET DATA
Table 7 Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 8 Financial Cards by Category: Number of Accounts 2020-2025
Table 9 Financial Cards Transactions by Category: Value 2020-2025
Table 10 Financial Cards by Category: Number of Transactions 2020-2025
Table 11 Consumer Payments by Category: Value 2020-2025
Table 12 Consumer Payments by Category: Number of Transactions 2020-2025
Table 13 M-Commerce by Category: Value 2020-2025
Table 14 M-Commerce by Category: % Value Growth 2020-2025
Table 15 Financial Cards: Number of Cards by Issuer 2020-2024
Table 16 Financial Cards: Number of Cards by Operator 2020-2024
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
Table 20 Forecast Financial Cards by Category: Number of Accounts 2025-2030
Table 21 Forecast Financial Cards Transactions by Category: Value 2025-2030
Table 22 Forecast Financial Cards by Category: Number of Transactions 2025-2030
Table 23 Forecast Consumer Payments by Category: Value 2025-2030
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
Table 25 Forecast M-Commerce by Category: Value 2025-2030
Table 26 Forecast M-Commerce by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
SOURCES
Summary 1 Research Sources
DEBIT CARDS IN ARGENTINA
KEY DATA FINDINGS
2025 DEVELOPMENTS
Debit cards see positive growth, albeit with transaction values lower than the previous year
INDUSTRY PERFORMANCE
More debit cards in circulation but with fewer transactions
Increasing merchant acceptance, virtual wallets, and lack of high denomination bills support use of debit cards
WHAT’S NEXT?
Lower use of physical debit cards expected over the forecast period, due to growth in immediate electronic transactions
Debit cards likely to be used more for cash withdrawals rather than as payment instruments
Debit card-based BNPL services set to become more popular and widely available
COMPETITIVE LANDSCAPE
Visa and Banco de la Nación Argentina remain major players in debit cards
Banco de la Provincia de Buenos Aires benefits from the success of its Cuenta DNI app
CATEGORY DATA
Table 27 Debit Cards: Number of Cards in Circulation 2020-2025
Table 28 Debit Cards Transactions 2020-2025
Table 29 Debit Cards in Circulation: % Growth 2020-2025
Table 30 Debit Cards Transactions: % Growth 2020-2025
Table 31 Debit Cards: Number of Cards by Issuer 2020-2024
Table 32 Debit Cards: Number of Cards by Operator 2020-2024
Table 33 Debit Cards Payment Transaction Value by Issuer 2020-2024
Table 34 Debit Cards Payment Transaction Value by Operator 2020-2024
Table 35 Forecast Debit Cards: Number of Cards in Circulation 2025-2030
Table 36 Forecast Debit Cards Transactions 2025-2030
Table 37 Forecast Debit Cards in Circulation: % Growth 2025-2030
Table 38 Forecast Debit Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
CREDIT CARDS IN ARGENTINA
KEY DATA FINDINGS
2025 DEVELOPMENTS
Growth in credit cards supported by consumers using this payment method to support living expenses
INDUSTRY PERFORMANCE
Consumers continue to rely on credit cards during times of financial instability
Players use promotional tactics to attract consumers to their credit cards
WHAT’S NEXT?
Credit cards will continue to grow thanks to consumers’ ongoing needs
Dynamic limits: a new function launched by Prisma Payments that combines the limits of different credit cards
Further AI advances expected in credit card payments
COMPETITIVE LANDSCAPE
Visa remains as the main operator in credit cards, with Tarjeta Naranja the main issuer
Tarjeta Naranja is also the most dynamic operator
CATEGORY DATA
Table 39 Credit Cards: Number of Cards in Circulation 2020-2025
Table 40 Credit Cards Transactions 2020-2025
Table 41 Credit Cards in Circulation: % Growth 2020-2025
Table 42 Credit Cards Transactions: % Growth 2020-2025
Table 43 Commercial Credit Cards: Number of Cards in Circulation 2020-2025
Table 44 Commercial Credit Cards Transactions 2020-2025
Table 45 Commercial Credit Cards in Circulation: % Growth 2020-2025
Table 46 Commercial Credit Cards Transactions: % Growth 2020-2025
Table 47 Personal Credit Cards: Number of Cards in Circulation 2020-2025
Table 48 Personal Credit Cards Transactions 2020-2025
Table 49 Personal Credit Cards in Circulation: % Growth 2020-2025
Table 50 Personal Credit Cards Transactions: % Growth 2020-2025
Table 51 Credit Cards: Number of Cards by Issuer 2020-2024
Table 52 Credit Cards: Number of Cards by Operator 2020-2024
Table 53 Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 54 Credit Cards Payment Transaction Value by Operator 2020-2024
Table 55 Commercial Credit Cards: Number of Cards by Issuer 2020-2024
Table 56 Commercial Credit Cards: Number of Cards by Operator 2020-2024
Table 57 Commercial Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 58 Commercial Credit Cards Payment Transaction Value by Operator 2020-2024
Table 59 Personal Credit Cards: Number of Cards by Issuer 2020-2024
Table 60 Personal Credit Cards: Number of Cards by Operator 2020-2024
Table 61 Personal Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 62 Personal Credit Cards Payment Transaction Value by Operator 2020-2024
Table 63 Forecast Credit Cards: Number of Cards in Circulation 2025-2030
Table 64 Forecast Credit Cards Transactions 2025-2030
Table 65 Forecast Credit Cards in Circulation: % Growth 2025-2030
Table 66 Forecast Credit Cards Transactions: % Growth 2025-2030
Table 67 Forecast Commercial Credit Cards: Number of Cards in Circulation 2025-2030
Table 68 Forecast Commercial Credit Cards Transactions 2025-2030
Table 69 Forecast Commercial Credit Cards in Circulation: % Growth 2025-2030
Table 70 Forecast Commercial Credit Cards Transactions: % Growth 2025-2030
Table 71 Forecast Personal Credit Cards: Number of Cards in Circulation 2025-2030
Table 72 Forecast Personal Credit Cards Transactions 2025-2030
Table 73 Forecast Personal Credit Cards in Circulation: % Growth 2025-2030
Table 74 Forecast Personal Credit Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
CHARGE CARDS IN ARGENTINA
KEY DATA FINDINGS
2025 DEVELOPMENTS
Charge cards remain niche, due to low levels of consumer appeal
INDUSTRY PERFORMANCE
Absence of extended credit facility continues to suppress interest in charge cards
Personal charge cards offer a “status symbol” appeal to high-income consumers
WHAT’S NEXT?
No exciting developments expected in charge cards over the forecast period
COMPETITIVE LANDSCAPE
American Express Co remains the only operator and issuer in charge cards
CATEGORY DATA
Table 75 Charge Cards: Number of Cards in Circulation 2020-2025
Table 76 Charge Cards Transactions 2020-2025
Table 77 Charge Cards in Circulation: % Growth 2020-2025
Table 78 Charge Cards Transactions: % Growth 2020-2025
Table 79 Commercial Charge Cards: Number of Cards in Circulation 2020-2025
Table 80 Commercial Charge Cards Transactions 2020-2025
Table 81 Commercial Charge Cards in Circulation: % Growth 2020-2025
Table 82 Commercial Charge Cards Transactions: % Growth 2020-2025
Table 83 Personal Charge Cards: Number of Cards in Circulation 2020-2025
Table 84 Personal Charge Cards Transactions 2020-2025
Table 85 Personal Charge Cards in Circulation: % Growth 2020-2025
Table 86 Personal Charge Cards Transactions: % Growth 2020-2025
Table 87 Charge Cards: Number of Cards by Issuer 2020-2024
Table 88 Charge Cards: Number of Cards by Operator 2020-2024
Table 89 Charge Cards Payment Transaction Value by Issuer 2020-2024
Table 90 Charge Cards Payment Transaction Value by Operator 2020-2024
Table 91 Commercial Charge Cards: Number of Cards by Issuer 2020-2024
Table 92 Commercial Charge Cards: Number of Cards by Operator 2020-2024
Table 93 Commercial Charge Cards Payment Transaction Value by Issuer 2020-2024
Table 94 Commercial Charge Cards Payment Transaction Value by Operator 2020-2024
Table 95 Personal Charge Cards: Number of Cards by Issuer 2020-2024
Table 96 Personal Charge Cards: Number of Cards by Operator 2020-2024
Table 97 Personal Charge Cards Transaction Value by Issuer 2020-2024
Table 98 Personal Charge Cards Transaction Value by Operator 2020-2024
Table 99 Forecast Charge Cards: Number of Cards in Circulation 2025-2030
Table 100 Forecast Charge Cards Transactions 2025-2030
Table 101 Forecast Charge Cards in Circulation: % Growth 2025-2030
Table 102 Forecast Charge Cards Transactions: % Growth 2025-2030
Table 103 Forecast Commercial Charge Cards: Number of Cards in Circulation 2025-2030
Table 104 Forecast Commercial Charge Cards Transactions 2025-2030
Table 105 Forecast Commercial Charge Cards in Circulation: % Growth 2025-2030
Table 106 Forecast Commercial Charge Cards Transactions: % Growth 2025-2030
Table 107 Forecast Personal Charge Cards: Number of Cards in Circulation 2025-2030
Table 108 Forecast Personal Charge Cards Transactions 2025-2030
Table 109 Forecast Personal Charge Cards in Circulation: % Growth 2025-2030
Table 110 Forecast Personal Charge Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
PRE-PAID CARDS IN ARGENTINA
KEY DATA FINDINGS
2025 DEVELOPMENTS
Transaction values remain robust, while negative performance of open loop cards restricts overall cards in circulation
INDUSTRY PERFORMANCE
Open loop cards impacted by the cessation of the Previaje travel card
High penetration of virtual products in open loop cards, to suit the younger demographic of consumers
WHAT’S NEXT?
Closed loop pre-paid travel cards increasingly replaced by modern payment options
New regulation requiring faster payment terms to merchants creates a disincentive
Younger consumers will remain the main target audience of open loop pre-paid cards
COMPETITIVE LANDSCAPE
Nación Servicios is the main operator and issuer in closed loop pre-paid cards, and Mastercard is the leading operator in open loop pre-paid cards
CATEGORY DATA
Table 111 Pre-paid Cards: Number of Cards in Circulation 2020-2025
Table 112 Pre-paid Cards Transactions 2020-2025
Table 113 Pre-paid Cards in Circulation: % Growth 2020-2025
Table 114 Pre-paid Cards Transactions: % Growth 2020-2025
Table 115 Closed Loop Pre-paid Cards Transactions 2020-2025
Table 116 Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 117 Open Loop Pre-paid Cards Transactions 2020-2025
Table 118 Open Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 119 Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 120 Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 121 Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 122 Pre-paid Cards Transaction Value by Operator 2020-2024
Table 123 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 124 Closed Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 125 Closed Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 126 Closed Loop Pre-paid Cards Transaction Value by Operator 2020-2024
Table 127 Open Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 128 Open Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 129 Open Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 130 Open Loop Pre-paid Cards Transaction Value by Operator 2020-2024
Table 131 Forecast Pre-paid Cards: Number of Cards in Circulation 2025-2030
Table 132 Forecast Pre-paid Cards Transactions 2025-2030
Table 133 Forecast Pre-paid Cards in Circulation: % Growth 2025-2030
Table 134 Forecast Pre-paid Cards Transactions: % Growth 2025-2030
Table 135 Forecast Closed Loop Pre-paid Cards Transactions 2025-2030
Table 136 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2025-2030
Table 137 Forecast Open Loop Pre-paid Cards Transactions 2025-2030
Table 138 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
STORE CARDS IN ARGENTINA
KEY DATA FINDINGS
2025 DEVELOPMENTS
Consumer interest in store cards continues to decline
INDUSTRY PERFORMANCE
Retailers scale back investment in store cards in favour of more popular options
Store cards target a low-income segment in the interior of the country
WHAT’S NEXT?
Store cards likely to become increasingly absorbed by credit cards
Store cards will remain more concentrated in small towns in the interior of the country
Discounts and instalment plans will remain key drivers of store card usage
COMPETITIVE LANDSCAPE
Coto remains the only named player in store cards, with the remainder of share fragmented
CATEGORY DATA
Table 139 Store Cards: Number of Cards in Circulation 2020-2025
Table 140 Store Cards Transactions 2020-2025
Table 141 Store Cards in Circulation: % Growth 2020-2025
Table 142 Store Cards Transactions: % Growth 2020-2025
Table 143 Store Cards: Number of Cards by Issuer 2020-2024
Table 144 Store Cards: Payment Transaction Value by Issuer 2020-2024
Table 145 Forecast Store Cards: Number of Cards in Circulation 2025-2030
Table 146 Forecast Store Cards Transactions 2025-2030
Table 147 Forecast Store Cards in Circulation: % Growth 2025-2030
Table 148 Forecast Store Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER

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