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Debit Cards in Germany

Publisher Euromonitor International
Published Jan 21, 2026
Length 22 Pages
SKU # EP20807612

Description

Strong investment in driving a shift towards contactless and cashless payments led to strong growth in debit card transactions in 2025. This was further supported by Apple opening up its tap function to more apps, which led to an increase in banks and payment providers being able to offer Tap to Pay functions through Apple’s products. Banks responded to the growing shift towards Tap to Pay by replacing older cards with products that can be used for all purposes.

Euromonitor International's Debit Card Transactions in Germany 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: Commercial Debit Card Transactions, Personal Debit Card 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 Debit Card Transactions 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

22 Pages
Debit Cards in Germany
Euromonitor International
January 2026
List Of Contents And Tables
DEBIT CARDS IN GERMANY
KEY DATA FINDINGS
2025 DEVELOPMENTS
Banks respond to the shift towards Tap to Pay
INDUSTRY PERFORMANCE
Banks replace older cards to support Tap to Pay functionality
Shift to contactless payments fuels strong growth in debit card transactions
WHAT’S NEXT?
Everyday debit card use set to deepen as mobile acceptance broadens
Instant payments and “wero” set to broaden pay-by-bank options
Access to mobile wallets set to improve alongside increased security measures
COMPETITIVE LANDSCAPE
Sparkassen expands access and usage
N26 regains growth momentum with focus on instant digital issuance
CATEGORY DATA
Table 1 Debit Cards: Number of Cards in Circulation 2020-2025
Table 2 Debit Cards Transactions 2020-2025
Table 3 Debit Cards in Circulation: % Growth 2020-2025
Table 4 Debit Cards Transactions: % Growth 2020-2025
Table 5 Debit Cards: Number of Cards by Issuer 2020-2024
Table 6 Debit Cards: Number of Cards by Operator 2020-2024
Table 7 Debit Cards Payment Transaction Value by Issuer 2020-2024
Table 8 Debit Cards Payment Transaction Value by Operator 2020-2024
Table 9 Forecast Debit Cards: Number of Cards in Circulation 2025-2030
Table 10 Forecast Debit Cards Transactions 2025-2030
Table 11 Forecast Debit Cards in Circulation: % Growth 2025-2030
Table 12 Forecast Debit Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
FINANCIAL CARDS AND PAYMENTS IN GERMANY
EXECUTIVE SUMMARY
Financial cards market showing signs of consolidation
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Card portfolios shift toward wallet-ready debit cards as legacy formats fade
Phone-first payments and Tap to Pay broaden acceptance
Partnerships simplify product sets
WHAT’S NEXT?
Focus set to remain on debit cards for everyday purchases
Card holders set to benefit from a simpler and more secure online experience
COMPETITIVE LANDSCAPE
Sparkassen remains the leading card issuer thanks to wide reach
Hanseatic finds success with streamlined operations and services
MARKET INDICATORS
Table 13 Number of POS Terminals: Units 2020-2025
Table 14 Number of ATMs: Units 2020-2025
Table 15 Value Lost to Fraud 2020-2025
Table 16 Card Expenditure by Location 2025
Table 17 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
Table 18 Domestic versus Foreign Spend 2025
MARKET DATA
Table 19 Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 20 Financial Cards by Category: Number of Accounts 2020-2025
Table 21 Financial Cards Transactions by Category: Value 2020-2025
Table 22 Financial Cards by Category: Number of Transactions 2020-2025
Table 23 Consumer Payments by Category: Value 2020-2025
Table 24 Consumer Payments by Category: Number of Transactions 2020-2025
Table 25 M-Commerce by Category: Value 2020-2025
Table 26 M-Commerce by Category: % Value Growth 2020-2025
Table 27 Financial Cards: Number of Cards by Issuer 2020-2024
Table 28 Financial Cards: Number of Cards by Operator 2020-2024
Table 29 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
Table 30 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
Table 31 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
Table 32 Forecast Financial Cards by Category: Number of Accounts 2025-2030
Table 33 Forecast Financial Cards Transactions by Category: Value 2025-2030
Table 34 Forecast Financial Cards by Category: Number of Transactions 2025-2030
Table 35 Forecast Consumer Payments by Category: Value 2025-2030
Table 36 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
Table 37 Forecast M-Commerce by Category: Value 2025-2030
Table 38 Forecast M-Commerce by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
SOURCES
Summary 1 Research Sources

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