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Store Cards in the United Kingdom

Publisher Euromonitor International
Published Jan 16, 2026
Length 22 Pages
SKU # EP20773027

Description

Store cards registered significant decline across metrics in 2025 as retailers continued to shift away from traditional card propositions. The Argos NewDay partnership to upgrade legacy store cards with Argos-branded digital credit shows the future of retail finance, limiting the role of traditional cards as merchants focus on promoting gift cards in stores and apps.

Euromonitor International's Store Card Transactions in United Kingdom 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.

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

Why buy this report?
* Get a detailed picture of the Store 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
Store Cards in the United Kingdom
Euromonitor International
January 2026
List Of Contents And Tables
STORE CARDS IN THE UNITED KINGDOM
KEY DATA FINDINGS
2025 DEVELOPMENTS
INDUSTRY PERFORMANCE
Retailer credit consolidates as store cards migrate to digital credit under looming BNPL rules
Debit card issuers offer auto-earn rewards
Gift cards cement their lead over store cards as pre-paid, digital-first budgets rule
WHAT’S NEXT?
Store cards set to decline steeply as digital credit and BNPL dominate
BNPL will continue to present further threat
Consolidation will deepen as store card issuers retreat and retailers pivot towards digital credit
COMPETITIVE LANDSCAPE
Competitive landscape consolidates as category continues to lose appeal
Notable decline even for primary issuer of store cards
CATEGORY DATA
Table 1 Store Cards: Number of Cards in Circulation 2020-2025
Table 2 Store Cards Transactions 2020-2025
Table 3 Store Cards in Circulation: % Growth 2020-2025
Table 4 Store Cards Transactions: % Growth 2020-2025
Table 5 Store Cards: Number of Cards by Issuer 2020-2024
Table 6 Store Cards: Payment Transaction Value by Issuer 2020-2024
Table 7 Forecast Store Cards: Number of Cards in Circulation 2025-2030
Table 8 Forecast Store Cards Transactions 2025-2030
Table 9 Forecast Store Cards in Circulation: % Growth 2025-2030
Table 10 Forecast Store Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
FINANCIAL CARDS AND PAYMENTS IN THE UNITED KINGDOM
KEY DATA FINDINGS
KEY INDUSTRY TRENDS
INDUSTRY PERFORMANCE
Contactless and mobile wallets cement their dominance
BNPL faces regulatory challenges amid explosive growth
AI and sustainability redefine card innovation
WHAT’S NEXT?
Growth set to be driven by increased transactions for everyday purchases
UK policy will shape the direction of the category
Steady outlook for the years ahead
COMPETITIVE LANDSCAPE
Lloyds benefits from partnership with Visa and strong brand equity
Revolut sees rapid expansion in the UK
MARKET INDICATORS
Table 11 Number of POS Terminals: Units 2020-2025
Table 12 Number of ATMs: Units 2020-2025
Table 13 Value Lost to Fraud 2020-2025
Table 14 Card Expenditure by Location 2025
Table 15 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
Table 16 Domestic versus Foreign Spend 2025
MARKET DATA
Table 17 Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 18 Financial Cards by Category: Number of Accounts 2020-2025
Table 19 Financial Cards Transactions by Category: Value 2020-2025
Table 20 Financial Cards by Category: Number of Transactions 2020-2025
Table 21 Consumer Payments by Category: Value 2020-2025
Table 22 Consumer Payments by Category: Number of Transactions 2020-2025
Table 23 M-Commerce by Category: Value 2020-2025
Table 24 M-Commerce by Category: % Value Growth 2020-2025
Table 25 Financial Cards: Number of Cards by Issuer 2020-2024
Table 26 Financial Cards: Number of Cards by Operator 2020-2024
Table 27 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
Table 28 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
Table 29 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
Table 30 Forecast Financial Cards by Category: Number of Accounts 2025-2030
Table 31 Forecast Financial Cards Transactions by Category: Value 2025-2030
Table 32 Forecast Financial Cards by Category: Number of Transactions 2025-2030
Table 33 Forecast Consumer Payments by Category: Value 2025-2030
Table 34 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
Table 35 Forecast M-Commerce by Category: Value 2025-2030
Table 36 Forecast M-Commerce by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
SOURCES
Summary 1 Research Sources

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