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Germany Cards and Payments: Opportunities and Risks to 2029

Publisher GlobalData
Published Nov 07, 2025
Length 99 Pages
SKU # GBDT20635288

Description

Germany Cards and Payments: Opportunities and Risks to 2029

Summary

GlobalData’s ‘Germany Cards and Payments: Opportunities and Risks to 2029' report provides detailed analysis of market trends in the German cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including card, credit transfer, direct debits, cash and cheques during the review-period (2021-25e).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2025e-29f). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together GlobalData’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.

GlobalData’s ‘Germany Cards and Payments: Opportunities and Risks to 2029' report provides top-level market analysis, information and insights into the German cards and payments industry, including -
  • Current and forecast values for each market in the German cards and payments industry, including debit, credit and charge cards.
  • Detailed insights into payment instruments including card, cash, direct debits, credit transfer, and cheques. It also, includes an overview of the country's key alternative payment instruments.
  • Ecommerce market analysis.
  • Analysis of various market drivers and regulations governing the German cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • The competitive landscape of the German cards and payments industry.
Key Highlights
  • The European Payments Initiative (EPI) launched a digital wallet called Wero in July 2024 in Germany. It has taken over the domestic payment solution Giropay in Germany. Effective from December 31, 2024, German banks and financial institutions have discontinued online payments via giropay. The platform is accessible through EPI-associated member bank apps and mobile apps. Users can securely verify their mobile devices and link their bank accounts in the Wero app to make payments. Currently, the platform supports P2P fund transfers that can be completed within 10 seconds using phone numbers, app-generated QR codes or email addresses. Additional features, including online and POS payments, are expected to be added by the end of 2026.
  • Digital wallets are gaining momentum in the German in-store payments landscape, with the availability of international alternative payment solutions-such as PayPal, Google Pay, and Apple Pay-expected to further boost usage. To capitalize on its usage, in May 2025, PayPal rolled out tap to pay contactless mobile payments in Germany. This enables users to make secure and convenient tap to pay payments via a smartphone at partnered stores. It also launched the installment payment option for in-store purchases dubbed as Ratenzahlung To Go (Installment Payment To Go) in Germany-the first to launch in Europe. This flexible payment option enables PayPal users to convert in-store purchases into installments three, six, 12 or 24 monthly installments.
  • The growing preference for online shopping is encouraging several firms to enter the ecommerce space; further driving competition. For instance, in March 2025, TikTok Shop-the ecommerce service of the Chinese social media platform TikTok-was launched in several European countries, including Germany, Italy, and France. This platform also offers live streaming which allows creators and brands to promote and sell products in real time; creating direct interaction with the customers. On similar note, Amazon launched its budget ecommerce platform called Haul in June 2025. This platform is designed to cater to budget-conscious shoppers and offers products across various categories, including lifestyle, home, and electronics, all priced at EUR20 ($21.64) or less.
Scope
  • Card market size in terms of number of cards, value and volume of transactions in Germany along with detailed card segmentation of debit, credit and charge cards available in the country.
  • Market sizing and analysis of major payment instruments including cacard, cash, direct debits, credit transfer, and cheques .
  • Payment market trends and growth for both historical and forecast period
  • Competitor analysis with detailed insights into leading card issuers and schemes.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • A detailed snapshot of country's key alternative payment brands.
Reasons to Buy
  • Make strategic business decisions, using top-level historic and forecast market data, related to the German cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in the German cards and payments industry.
  • Assess the competitive dynamics in the German cards and payments industry.
  • Gain insights into marketing strategies used for various card types in Germany.
  • Gain insights into key regulations governing the German cards and payments industry.

Table of Contents

99 Pages
1. Executive Summary
2. Market Overview
3. Payment Instruments
4. Card-Based Payments
5. Merchant Acquiring
6. Ecommerce Payments
7. In-Store Payments
8. Buy Now Pay Later
9. Mobile Payments
10. P2P Payments
11. Bill Payments
12. Alternative Payments
13. Payment Innovation
14. Job Analysis
15. Payment Infrastructure and Regulation
16. Appendix
List of Tables
Key facts, 2025
Benchmarking of payment cards, 2025
Payment instrument transaction values (LCU), 2021-29f
Payment instrument transaction values ($), 2021-29f
Payment instrument transaction volumes (units), 2021-29f
Payment cards in circulation by type (units), 2021-29f
Volume of payment card transactions (units), 2021-29f
Value of payment card transactions (LCU),2021-29f
Value of payment card transactions ($), 2021-29f
Debit cards in circulation (units), 2021-29f
Debit card transaction volumes, 2021-29f
Debit card transaction values (LCU), 2021-29f
Debit card transaction values ($),2021-29f
Debit cards in circulation by scheme (units), 2021-25e
Debit card transaction values by scheme (LCU), 2021-25e
Debit card transaction values by scheme ($), 2021-25e
Debit cards in circulation by issuer (units), 2021-25e
Debit cards transaction value by issuer (LCU), 2021-25e
Debit cards transaction value by issuer ($), 2021-25e
Credit cards in circulation (units), 2021-29f
Credit card transaction volumes, 2021-29f
Credit card transaction values (LCU), 2021-29f
Credit card transaction values ($), 2021-29f
Credit cards in circulation by scheme (units), 2021-25e
Credit card transaction values by scheme (LCU), 2021-25e
Credit card transaction values by scheme ($), 2021-25e
Credit cards in circulation by issuer (units), 2021-25e
Credit cards transaction value by issuer (LCU), 2021-25e
Credit cards transaction value by issuer ($), 2021-25e
Merchant acquiring transaction volumes (units),2021-29f
Merchant acquiring transaction values (LCU),2021-29f
Merchant acquiring transaction values ($), 2021-29f
Acquirers’ transaction volumes (units), 2021-25e
Acquirers’ transaction values (LCU), 2021-25e
Acquirers’ transaction values ($), 2021-25e
Retail outlets and card-accepting merchants (units), 2021-29f
Debit card average interchange fees (%), 2021-25e
Credit and charge card average interchange fees (%), 2021-25e
Debit card merchant service charge and interchange fee (%), 2021-29fs
Credit and charge card merchant service charge and interchange fee (%), 2021-29f
Retail market by product categories (LCU), 2021-29f
Retail market by product categories ($), 2021-29f
Retail market by service categories (LCU), 2018-22
Retail market by service categories ($), 2018-22
List of Figures
Inflation rate
GDP growth rate
Payment instruments transaction value and volume
Instant payments transaction value and volume
Card penetration
Card payments by value
Debit card frequency of payments and average transaction value
Debit card schemes transaction value and volume
Debit card issuers by number of cards and transaction value
Credit card frequency of payments and average transaction value
Credit card schemes transaction value and volume
Credit card issuers by number of cards and transaction value
Credit card debt
Prepaid Cards: Market Sizing and Forecasting
Contactless card holding and usage in detail
E-commerce transaction value and ecommerce breakdown by mobile vs. desktop/laptop
Ecommerce market by product and services
Ecommerce market by paymnet tools
Factors driving in-store payments and In-store transaction value by payment method
In-store transaction value by products and services
BNPL service used in the last six months and Preferred BNPL brand/tool for in-store payments
BNPL online transaction value and transaction volume
BNPL share of overall ecommerce transaction value and preferred BNPL brand/tool for online payments
Mobile wallet holding and use by demographic
Mobile wallet funding methods, mobile wallet preference by product/service and mobile wallet ownership by brand
Domestic and international P2P money transfers
Paymnet tool preference for bill payment and bill paymnet frequency
Active jobs intensity in the country
Number of POS terminals and ATMs

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